Tallahassee, FL 32317
USA
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Loan Option disclosure:
Disclaimer: The operator of this website is not a lender and does not make credit decisions. This website offers a service that attempts to connect potential borrowers, with available offers, based on on self reported information. By submitting your information through this site, you consent to having it shared with third parties for the purpose of facilitating your request. All financial products and services are presented without warranty and providing your information on this website does not guarantee an approval with said products or services. Pre-qualified offers are not binding. Terms, conditions, and policies vary by product, service, state, and your particular financial situation. It is the user's responsibility to read all third party disclaimers and restrictions before proceeding.
APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. Offers on this site have repayment terms from twelve to a maximum of eighty-four months, and an annual percentage rate (APR) ranging from 5.74% to a maximum of 35.99%.
For example, if you took out a $30,000 loan on a 20% interest rate. The total payback would be $36,000 making the yearly interest amount $6,000. The APR is the percentage of interest paid for the entire year plus additional fees and costs.
Here is an example of the cost of a loan for a person with an excellent credit profile:
If you take a $10,000 loan for a five year term at 8% interest rate with a 3% origination fee, you would receive $9,700 ($10,000 less the $300 origination fee) and would make sixty monthly payments of approximately $202.76 which equates to an APR of 8.69%. The total cost of the loan would be $12,165.60.
Advisory: Legitimate lenders will never ask for advance payment. NEVER pay a lender in advance for a loan.
We are partnered with multiple national lending partners and all credit situations are considered.
APR, INTEREST RATE, and ORIGINATION FEES
An APR shows you the cost of borrowing money on a yearly basis. It can help you quickly compare different loans or credit cards on an apples-to-apples basis. The APR on a personal loan can include both the interest rate and origination fee. The origination fee may also be deducted from your loan proceeds, and there is usually no fee if you do not receive a loan.
The Annual Percentage Rate (APR) is the rate at which your loan accrues interest, and is based upon the individual lender's program. All terms and conditions for any loan for which you qualify will be presented before you submit your application. APRs vary from 4.79% to 35.99% for unsecured personal loans.
For example, If the origination fee is deducted and you receive a $6,000 36-month loan at an interest rate of 6.99% with a 2% origination fee of $120.00, you could receive a loan amount of $5,880.00 and make 36 monthly payments of approximately $185.24 at an 8.36% APR. In the case of a $20,000 60-month loan at an interest rate of 7.62% with a 3% origination fee of $600.00, you could receive a loan amount of $19,400.00 and make 60 monthly payments of approximately $401.90 at an 8.91% APR. Your actual monthly payment usually varies based on the APR, loan amount and term selected.
Credit Implications
Our participating lending partners may verify your social security number, driver's license number, national ID, or any other state or federal identification, and review your information against national databases to include, but not limited to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. Some of our participating lending partners will not perform credit checks with the three major credit reporting bureaus. When third parties check your credit score, it can lower your credit score. We will make every effort to only present programs that qualify and benefit your situation, and in hopes, help increase your chances of getting a loan with our lending partners. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lending partners to verify your information and check your credit as described in their policies and terms.
Implications of Late Payments
Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest, and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan, be sure you have read and understand the implications of making late payments. Also, each state has rules and regulations in place that lenders must follow when assessing fees for late payments.
Implications of Non-Payment & Collection Practices
If you do not make the payments on your loan, you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by federal and state laws to use fair practices in their collection actions for a loan that has not been repaid. Lenders should comply with the following practice:
- Not contacting you by phone before 8 am or after 9 pm
- Not harassing you or using abusive language towards you over the phone
- Not using deception to try to collect money from you
- Not threatening you with legal action if it is not permitted
We will only allow lending partners who are reputable and maintain their reputations actively; however, if you find any behavior that is not professional, or you feel is predatory, we need and want to know immediately. We are your advocate and your experience with us is paramount to the success of our company. We appreciate your trust in us to help you with your loan needs.