Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider
other alternatives or should seek out professional financial
advice.
This website uses Site Visit Recordation Technology to memorialize
site visits, including technology provided by third parties like
Jornaya’s LeadiD. By submitting your information through this
website, you consent to the use of Site Visit Recordation
Technology.
The owner of this website is not a lender or agent of any lender
and does not take loan applications or otherwise engage in
lender-related activity (including without limitation making
credit decisions or arranging, brokering, originating, servicing,
underwriting, funding, or collecting payments for any lender).
Submitting your information via this website is a request to be
connected with one or more financial service providers that may be
able to help you with your financial needs, each being responsible
for taking a credit application, verifying your information, and
making their own credit decisions.
The services offered by this website are administrative only
(frequently referred to as “lead generation”) and are offered to
you free of charge. Lenders and other financial service providers
pay a fee to be connected to consumers in search of financial
services, often based on a ping tree model similar to Google
AdWords where the highest available bidder is connected to the
consumer.
In some cases, you may be given the option of being connected to a
tribal lending enterprise (“TLE”). TLEs are subject to tribal and
certain federal laws while being immune from state law including
usury caps. If you are connected to a TLE, please understand that
the tribal lender’s rates and fees may be higher than
state-licensed lenders. Additionally, TLEs may require you to
agree to dispute resolution in a tribal jurisdiction. You should
read and understand the terms of any loan offered by any lender,
whether tribal or state-licensed, and to reject any loan offer
that you cannot afford to repay or that includes terms that are
not acceptable to you.
By submitting your information via this website, you authorize the
owner of this website and its network of available lenders to do a
credit check, which may include verifying your social security
number, driver license number, or other identification, and a
review of your creditworthiness. Credit checks are usually
performed by one of the major credit
bureaus such as Experian, Equifax and TransUnion, but also may
include alternative credit bureaus such as Clarity, DataX, or
others. You also authorize the owner of this website to share your
information and credit history with its network of available
lenders and other service providers.
Our lenders offer loans with an Annual Percentage Rate (APR) of
35.99% and below. For qualified consumers, the maximum APR
(including the interest rates plus fees and other costs) is
35.99%. All loans are subject to the lender’s approval based on
its own unique underwriting criteria.
Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%.
Number of Monthly Payments: 30. Monthly Payment Amount: $219.36.
Total Amount Payable: $6,581.78 Loans include a minimum repayment
plan of 12 months and a maximum repayment plan of 30 months.
This service is not available in all states.
Lender’s or Lending Partner’s Disclosure of Terms.
When a lender decides to offer you a loan, it is required by law
to provide documents that contain all fees and rate information
pertaining to that loan, including any potential fees for
late-payments, and the terms (if permitted by applicable law) to
refinance, renew or rollover your loan. Loan fees and interest
rates are determined solely by the lender or financial service
provider based on their internal policies, underwriting criteria
and applicable law. This website has no knowledge of or control
over the loan terms offered to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment
can negatively impact your credit score. To protect yourself and
your credit history, make sure you only accept loan terms that you
can afford to repay. If you cannot make a payment on time, you
should contact your lender immediately and discuss payment
options.