FAQs

Our team is here to answer all your questions.

Frequently Asked
Questions (FAQs)

When applying for a loan, you may have questions about the process or requirements. To help, we’ve compiled answers to the most frequently asked questions.

Important Information About Your APR & Repayment

Our lending partners operate nationwide and strive to offer a variety of affordable loan products. Repayment terms range from a minimum of 65 days to a maximum of 72 months. The Annual Percentage Rate (APR) represents the yearly cost of borrowing, expressed as an annual rate. APRs offered by our lenders typically range from 5.99% to 35.99%, with a maximum APR of 35.99%. The actual APR you receive may differ based on the lender and your specific loan terms. Please review the loan disclosure carefully before approving and signing your loan agreement.

Late or missed payments may result in additional fees and higher interest rates. Each lender follows its own terms of service regarding late fees, interest rates, and other charges. Please carefully review the financial implications of late or missed payments before taking out a loan.

 
 

If you are unable to repay your loan under its current terms, your lender may charge late fees, report your payment history to credit reporting agencies, or offer an extension or loan renewal option to refinance your loan. These actions may affect your credit score or result in your account being sent to collections. Loan renewals or refinancing options may include additional fees.

For a $5,000 loan with a 36-month term at a 5.99% interest rate and a 1% origination fee of $50.00, you would receive $4,950.00. You would make 36 monthly payments of approximately $153.61 at a 5.99% APR, for a total loan cost of $5,595.00.

Loan renewals and extensions may be offered by your lender in cases of missed, partial, or late payments. These renewals may be automatic and typically include additional charges. Renewal availability and restrictions are subject to state laws and your lender’s repayment policies. Because we are not a lender, only your loan provider can offer specific repayment options and details if you are unable to repay your loan on time. You may contact your lender at any point during the loan process to understand the implications of non-payment.