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Based on your credit score, below are the loan options we can offer. Please let us know how much do you need?
A Personal loan is an installment loan, meaning that it needs to be paid back over a set period of time. The payments are set to be paid as fixed amount and payable over a period more than 60 days. Personal loans is always a great idea to access cash at lower rates for home renovations, paying back you debts or bills, buying a vehicle etc. With a Personal loan, you could qualify for any amount starting $1000.
Below is the representative example of monthly repayments, APR and total repayment:
Borrow $5,000 for 72 months, repay with monthly payments of $86.45, with an annual percentage rate (APR) of 7.50%, for a total repayment cost of $6,224.44 including all applicable fees.
Rates And Fees
APR and fees depend on your credit rating, FICO score, state where you live, repayment period, monthly income and more. Loansion.com works with end number of lenders that adhere to applicable state and federal laws. Every lender has different criteria and each state has different limitations on APR and other fees and we suggest you review them before applying for a loan. The APR range are between 7% to 35% and with more than 60 days to maximum 120 months repayment terms. For qualified consumers, the maximum APR, will not exceed 35% which includes interest rates, fees and other cost for the year . The Truth in Lending Act requires that all our lenders disclose loan fees, interest rates and other charges. After seeing the offer, You are under no obligation to take the loan. Make sure you understand all the terms and conditions before taking a loan and never take a loan you cannot repay.
If for any reason you cannot make a payment on time, you should get in touch and speak with the lender immediately on how to resolve it. After you enter into a loan repayment schedule, you are protected by the Fair Debt Collection Practices Act (FDCPA), which is overseen and enforced by the Federal Trade Commission and the Consumer Financial Protection Bureau. All the lenders we work with, are required to abide by the FDCPA, which includes the following rules (this applies both to lenders and third-party collection agencies working on behalf of the lenders):
They may not contact you by phone before 8:00 am or after 9:00 pm in your time zone.
They may not use abusive language toward you.
They are prohibited from using deception to attempt to collect a debt from you.
They are not allowed to threaten legal action against you if they either can’t or don’t intend to pursue such legal action.
Possible Effect On Credit Score
All borrowers must be aware that missing a monthly payment or being late with payments would negatively impact their credit score. Lenders perform credit checks with a major credit agencies to see whether to approve your loan application or not. If any lending company finds any non-payment or late-payment, they may report to those credit agencies in order to warn other lenders, banks and financial institutes.
Renewal, Rollover And Late-Payment Additional Costs And Fees
If you repay all of your monthly on time you will enjoy the best terms and the interest rates. If you can`t make a payment on time you should talk to your lender immediately and discuss how to resolve it. Lenders will take any action, authorized by law and adhere to the ‘fair debt collection practices’, to recover non-paying borrowers funds, including hiring third party collecting agencies. Make sure you aware of all the terms and conditions before taking a loan and never take a loan that you can not repay.