LenderSearch.Online’s service is always free. LenderSearch.Online is not a lender or lending partner and does not provide lending services directly to consumers. Based on the information you submit, LenderSearch.Online searches its database housing its network of lenders and lending partners to connect you with a lender or lending partner and that may offer you a loan.
The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender or lending partner at the time of approval. Upon the conclusion of lender or lending partner approval, most lenders and lending partners will direct you to an e-signature page. This page is provided to you by the lender or lending partner to which you were connected.
Full Disclosure of Terms
The lender or lending partner provides documents that contain all fees and rate information pertaining to the loan being offered to you by the lender or lending partner. Please review the fee and rate information provided to you by your lender or lending partner at this time thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms detailed in the lender or lending partner contract are acceptable and wish to proceed with the loan process, e-sign the page and await transfer of your funds.
The loan fees and interest rates are determined solely by your lender or lending partner, with specific amounts determined based upon the information you submitted to the lender or lending partner. LenderSearch.Online has no control or knowledge of the loan details between you and your lender or lending partner. You are under no obligation to continue with the request process if you find a particular lender’s or lending partner’s loan terms unsuitable.
Late Payment Policy
Lenders and lending partners have varying policies regarding late payments. Review the late payment policy detailed in the loan documents provided to you by your lender or lending partner before appending your e-signature, and thereby agreeing to the loan terms. All lenders and lending partners, however, must abide by applicable laws, rules, and regulations regarding late payment fees.
Additional fees or charges may apply to you in the event that you are unable to repay your loan. LenderSearch.Online uses commercially reasonable efforts to work only with reputable lenders and lending partners dedicated to pursuing collections of past due accounts with conduct that is fair and reasonable.
Loan Renewal Policy
Loan renewal policies are largely governed by state regulatory legislation. In states where rollovers, or repayment term extensions, are allowed, interest rates, along with any late fees that may be assessed, can add a substantial dollar amount to the end price of your loan.
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR 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. APR rates are subject to change.
Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.