Rates and Fees

This website is not a lender and does not make credit decisions. We provide a connecting service that may help users access lenders or lending partners in a network. When you submit a loan request, a lender or lending partner may review your information and decide whether to offer you a loan.

We do not set loan amounts, interest rates, APRs, finance charges, repayment schedules, renewal policies, late-payment rules, or any other loan terms. Any offer you receive is determined by the lender based on its own policies, your information, state availability, and other factors.

Loan Costs and Terms

Rates, fees, repayment terms, approval, and funding times vary by lender and by state. If a lender offers you a loan, the lender should provide the full terms before you decide whether to accept the offer.

Before accepting any loan offer, carefully review the APR, finance charges, repayment amount, due date, late-payment fees, renewal or rollover terms, and any other costs or obligations described in the lender’s agreement.

Responsible Borrowing

Short-term loans, including payday loans, can be expensive financial products and should be used responsibly. They are not intended to be long-term financial solutions. Only accept a loan offer if you understand the total cost and believe you can repay it according to the lender’s terms.

You are not required to accept any loan offer. If the terms are not suitable for your situation, you may decline the offer.

Late Payments and Renewals

Late payment or non-payment may result in additional fees, collection activity, and negative impact on your credit score. If you may have trouble making a payment, contact your lender as soon as possible to discuss available options.

Renewal and rollover policies vary by lender and may involve additional costs. Review any renewal terms carefully before agreeing to extend or renew a loan.

Service Availability

Loan availability, amounts, rates, fees, terms, approval, and funding times vary by lender and by state. This service is not available to users from Arkansas, New York, Vermont, or West Virginia.

Important Notice

This website does not charge users a fee to submit a loan request through the connecting service. If you accept a loan offer from a lender, you may be responsible for the rates, fees, and repayment obligations described in that lender’s agreement.

For questions about a specific loan offer, contact the lender directly before accepting the offer. This website can provide information about the connecting service but cannot explain, change, or negotiate a lender’s loan terms.

The information on this page is provided for general informational purposes only and should not be considered legal, financial, or credit advice.