Important Disclosures
This is not peer-to-peer lending, but is rather a service to help you get a loan directly from a licensed lender. Small-Personal-Loans.co's lenders offer loans with an all-in 35.99% or less annual percentage rate (APR) for qualified borrowers. Loans are subject to application, credit check, and lender approval.
Representative Example: Loan Amount: $4,300.00; Annual Percentage Rate: 35.99%; Number of Monthly Payments: 36; Monthly Payment Amount: $196.93; Total Amount Payable: $7,089.55.
Rates & Fees
Small-Personal-Loans.co offers a free service to help borrowers find approved lenders. Based on information you submit, Small-Personal-Loans.co searches its network of lenders and financial services partners (collectively “provider(s)”) to connect you with a provider that can help you get the loan or other financial services you need.
After a lender takes your application and decides to offer you a loan, the lender will disclose the cost of the loan (including interest rate, fees, and total cost of credit) as required by the Truth in Lending Act. If you are comfortable with the cost of the loan and your ability to repay it, then you may be directed to the lender’s e-signature page where you can accept the loan and get your funds.
Full Disclosure of Terms
When a loan offer is extended, the loan documents provided will contain all of the loan’s fees and rate information. Please carefully review that information before agreeing to the terms or signing the loan agreement. You are under no obligation to accept any loan offer. If you decide the loan terms are acceptable and you wish to proceed, e-sign the page to accept the terms and await transfer of your funds.
Loan rates and fees are determined solely by the lender based on the information you provided and the lender’s review of your credit profile. Small-Personal-Loans.co has no influence or control over loan terms. If you find a particular lender's loan terms unsuitable, do not sign the loan documents.
Late Payment and Nonpayment Policy
Additional fees or charges may apply if you are unable to make full and timely payments on your loan. Even though lenders must comply with applicable statutes and regulations regarding late payment penalties, lenders’ policies may differ widely. Review the lender’s late payment policy in the loan documents before accepting the loan. Small-Personal-Loans.co uses commercially reasonable efforts to work only with reputable lenders and financial service providers dedicated to pursuing collections of past due accounts in a lawful, fair, and reasonable manner.
Loan Renewal Policy
If you need to extend your loan, talk to your lender about statutes or regulations that apply, and ask about the lender’s specific extension or renewal policies. In states where loan extensions (or “rollovers”) are allowed, additional fees and interest charges can add a substantial amount to the cost of your loan.
Disclaimers
This App is not an offer to lend and Small-Personal-Loans.co is not a lender, underwriter or loan broker. Small-Personal-Loans.co connects interested persons with an approved provider from its network. Small-Personal-Loans.co does not control, and is not responsible for, the actions or inactions of any provider, is not an agent, representative or broker of any provider, and does not endorse any provider. Small-Personal-Loans.co receives compensation from its providers, often based on a ping-tree model like Google AdWords where the best performing provider is connected to the consumer. Small-Personal-Loans.co's service is always free to consumers. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to 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.
This service is not available in all states. If you request to connect with a provider in a state where such loans are prohibited, or in a location where Small-Personal-Loans.co does not have an available provider, you will not be connected to a provider (but we may suggest other available options). You are urged to read and understand the terms of any loan offered by any provider, and to reject any loan offer that you cannot afford to repay or that includes terms not acceptable to you.
By submitting your information via this App, you are authorizing Small-Personal-Loans.co and its partners 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, FactorTrust, or others. You authorize Small-Personal-Loans.co to share your information and credit history with a network of approved providers.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
