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You are not under any obligation whatsoever to accept the terms that the lender presents to you

Posted by Prabhjot7 jot7
  |  
On February 16, 2022

You are not under any obligation whatsoever to accept the terms that the lender presents to you

If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you.

Implications of non-payment

When you accept the terms and conditions for a particular loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time specified in the documents that your lender supplies. Additional charges or fees may apply in the event that you are not able to repay your loan in full or make a late payment. cannot predict the amount of the charges or fees that you will incur as a result of partial payment, late payment or nonpayment. has no control over knowledge of the loan details between you and your lender. Please refer to the partial payment, late payment and nonpayment policies detailed in the loan documents that your lender provides you with. does make an effort to work only with reputable lenders who are committed to pursuing collections of past-due accounts in a reasonable and fair manner.

Potential impact to credit score

may conduct a soft credit inquiry when you submit a form on our site; this type of inquiry does have any impact on your credit score. Some members of the lender network may choose to conduct a nontraditional credit check in order to determine your eligibility for a loan. Lenders will more than likely conduct a credit inquiry with any of the three major credit reporting agencies (Transunion, Experian and 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 reporting agencies, which could have a negative impact on your credit score. encourages consumers with credit problems to consult a Credit Counseling company.

Collection Practices

is not a lender and does not engage in debt collection practices. Your lender will disclose their collection practices to you in their loan documents. If you are not sure of the collection practices used by a specific lender we recommend that you discuss this issue with the lender directly. All lenders and debt collectors are required under federal law to engage in fair debt collection practices.

LOAN RENEWAL POLICIES

Loan renewal policies are largely governed by state regulatory laws. Loan renewal options will be presented to you by your lender prior to your acceptance of their loan offer. Please be sure to carefully read the renewal policy presented to you before you sign the loan documents.

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