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Shorttermsloans.com is not a lender outside of and does not provide short-term loans for non- residents, but refers consumers to lenders who may provide such loans. Shorttermloans.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APR’s vary according to the information supplied by you in your loan request and the lender who accepts your request. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process.
The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on in the loan request process.
Implications of Non-Payment and other Considerations
We would like to remind you that Shorttermloans.com is not a lender outside of and does not charge any fees for its referral services. Every lender in our network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.
When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. Shorttermloans.com cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Shorttermloans.com has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We only work with reputable lenders who are dedicated to pursuing collections of past due accounts in a fair and reasonable manner.
Fees and Interest
If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Shorttermloans.com is not a lender outside the state of and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.
Credit Score Impact
Shorttermloans.com does not make credit decisions nor do we conduct a credit inquiry on consumers seeking loans outside the State of . However, the lenders we refer non- consumers to may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders may conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.
Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Short term loans are intended to be a short term financial instrument. We encourage all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a Cash Advance loan, we would recommend that you explore loan alternatives before applying for a short term or cash advance loan.
Except for loans we fund in , we do not engage in debt collection practices. Your lendersпїЅ collection practices will be disclosed to you in the loan documents provided to you by the lender. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We make reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.
- Avoid costly late fees, overdraft fees, service cancellations
- Bad/No Credit? No Problem!
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At Short Term Loans, L.L.C. we know that you can’t plan for everything. When unexpected expenses come up, we are here to help you through the rough spots with the cash you need until your next payday, or even longer.
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Professional Advice Recommended: The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution for consumers facing long term debt and credit difficulties, and should not be used on a long-term basis. We recommended that you seek professional advice regarding your financial needs, including risks and alternatives to short term loans.
Disclaimer: We are a referral service to qualified participating lenders. We are not a lender loan broker or agent for any lender or loan broker outside of the State of . This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited. This is not a solicitation for a particular loan. We do not control and are not responsible for the actions of any lender. We do not endorse or charge you for any service or product. You are under no obligation to use our Service to initiate contact with a lender, nor apply for credit or any loan product with any service provider or lender. You are under no obligation to accept any loan from a participating lender.
Credit Implications: We and our participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and to determine credit worthiness, credit standing and/or credit capacity. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Guarantee: There is no guarantee that you will be accepted by one of our participating lenders. A lenderпїЅs cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and are regulated by state and local laws. In some circumstances, the lender may require a fax. For details, questions or concerns regarding your loan, please contact your lender directly.