Loan point usa payday loan
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Important Information About Your APR
The annual percentage rates (APRs) our lenders offer range from: 4.999% to 1304%.
The APR of your loan includes the interest, fees and nominal charges factored into your loan. Typically, loans with lower interest rates may have higher loan amounts and longer repayment periods, and those with higher APRs may be for lower amounts and shorter repayment times.
Short-term loans with higher interest should only be used as needed, and are not intended as long-term financial solutions. Short-term loan is "60 days or less". Customers with prolonged credit and financial difficulties should seek professional credit counseling to avoid using high-interest loans more than necessary.
This APR notice is provided pursuant to our search engine partners terms of service. We are not a lender, and we are not required by federal or state laws to provide this notice. Specific loan terms and interest rates are available only from your lender.
IF YOU CAN NOT REPAY YOUR LOAN
If you find that you can not repay your loan under its current terms, your lender may charge you late fees, report your payment history to a credit-reporting agency, or provide an extension or loan renewal option to refinance your loan. This may impact your credit score
or allow your loan account to fall into collection. Loan renewals or refinancing options may include additional fees.
Collection Practices: In the event of non-payment, your loan account may be sent to collection agencies. Collection practices vary be lender and will be outlined in your loan agreement.
Fees, Interest and other Implications: Late or missed payments may result in increased loan fees and higher interest rates. Each lender operates by its own terms of service regarding late fees, rates and other charges. Please review the financial implications of late and non-payment carefully before taking out your loan.
Credit Score Impact: Late or missed payments may be reported to credit agencies and bureaus. Your payment history and information may negatively affect your credit and lower your credit score. Review your lender's credit reporting policies before signing for your loan.
Loan Renewal Policies: Loan renewals and extensions may be offered by your lender for missing, partial or late payments. The loan renewals may be automatic, and typically include additional renewal charges. Renewal restrictions are subject to state laws and your lender's repayment policies.
Because we aren't a lender, only your loan provider can offer specific repayment options and details if you can't repay your loan on time. You can ask your lender for implications of non-payment at any point during the loan process.Source: speedloanusa.com
Category: Payday loans