APR Rates starting at 5.99% up to 35.99%.
If you borrowed $2,000 over a 12 month period and the loan had a 3% arrangement fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR.
If you borrowed $5,000 over a 48 month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.
The following statement provides information about General Loans, APR, Loan Resumptions and Loan Payment Terms. Please read it carefully.
loansac.com services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.
Late Payment penalties differ from lender to lender. Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. For more information, please contact the lender directly if you have any issues repaying your loan.
Loan repayment terms differ by lender. Thus, it is important to check the loan agreement from your lender for information on the lender's repayment terms.
Personal loans differ from other types of loans, such as home mortgages or automobile loans. Specifically, personal loans allow you to spend your money in a number of different ways, whether it's to help pay off medical expenses, make home improvements, repairs to your vehicle or consolidate your debts. A personal loan is paid back to the lender over a set period of time. Fill out the form and see just how much money you can borrow from the comfort of your own home. It's as easy as that!
People get personal loans to help with home repairs, unexpected expenses, holiday shopping, and more. Such a loan from one of our lenders can help you get the cash you need! Just fill out our Online Form. Follow the short process and if you are approved, receive your cash loan!
Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made.loansac.com cannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99%. Loan products general have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.
Last Updated: October 23, 2017
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Binding Arbitration. The parties agree to submit any dispute arising out of or in any way relating to this Site to binding arbitration conducted by a single arbitrator under the Commercial Rules of the American Arbitration Association ("AAA") in Los Angeles, California, rather than a proceeding in a court of law. Any such arbitrator shall be knowledgeable in the subject area in which the dispute arises. All discovery shall be completed within sixty (60) days following the appointment of the arbitrator. Each party shall be entitled to representation by counsel, to appear and present written and oral evidence and argument and to cross-examine witnesses presented by the other party, provided that, where appropriate, the arbitrator may receive testimony via telephone, video or other electronic means of communication. The arbitration aware shall be in writing and the arbitrator shall provide written reasons for the award. The award of the arbitrator shall be final and binding on the parties hereto and may be enforced in any court of competent jurisdiction. The prevailing party in any action or proceeding to enforce its rights hereunder shall be entitled to recover reasonable attorneys' fees and other reasonable costs, including fees of the arbitrator and the AAA, incurred in the action or proceedings. In no event shall the arbiter award punitive or exemplary damages. The parties waive any right they may have to an appeal of the arbitrator's decision and/or award. Each party retains the right to seek judicial assistance: (i) to compel arbitration, (ii) to obtain interim measures of protection prior to or pending arbitration, (iii) to seek injunctive relief in the courts of any jurisdiction as may be necessary and appropriate to protect the unauthorized disclosure of its proprietary or confidential information; (iv) for any claims of infringement or misappropriation of loansac.com's patent, copyright, trademark, or trade secrets; and (v) to enforce any decision of the arbitrator, including the final award. If any AAA rule conflicts with these Terms and Conditions, these Terms and Conditions shall control. By agreeing to arbitration, you agree that the parties are each waiving the right to file a lawsuit and the right to a trial by jury in any action in any way arising out of or related to this agreement. Notwithstanding anything to the contrary, any party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction.
Notice of Claim. For all disputes you may have, whether pursued in court or arbitration, you must first give loansac.com an opportunity to resolve the dispute by providing written notification to email@example.com and via postal mail to DV Marketing, Inc. 759 Bloomfield Ave. #244, West Caldwell, NJ 07006 stating (i) your name, (ii) your address, (iii) a written description of your claim, and (iv) a description of the specific relief you seek. If loansac.com does not resolve the dispute within 30 days after it receives your notification, you may pursue your dispute as set forth above.
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Termination. loansac.com reserves the right at any time and on reasonable grounds, which shall include, without limitation, any reasonable belief of fraud, illegal activity, or actions or omissions that violate any term or condition of this Agreement, to terminate this Agreement with you in order to protect its name, business, or goodwill and/or any other user. You acknowledge and agree that loansac.com shall have the sole right to determine in its reasonable discretion whether you are engaging in any unauthorized activity and/or violating any term or conditions of this Agreement.
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Miscellaneous. The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement. If you have questions, comments, concerns or feedback regarding this Agreement or our Services, please contact us at email@example.com.
loansac.com works hard to protect consumers like you from unfair and illegal practices in the personal loan industry. In an effort to assist us in this goal of protecting you and helping you make an informed decision regarding personal loans, we offer the following code of conduct.
Lenders and Lending Partners
Here at loansac.com, we make every effort to ensure that we work only with responsible lenders or lending partners who are authorized to lend cash to consumers in the form of personal / installment loans. Once you are connected with your lender or lending partner, we recommend that you look up the specific details on that company so that you know how to get in contact with them in case you have any questions or concerns. Each lender or lending partner also has their own terms and conditions in regards to interest rates, the requirements on repayment and the repercussions of being late on a payment, missing a payment or rolling over a payment. You should be sure to be aware of these specific terms and conditions.
Your Credit Score
One of the first and most important things to understand as a borrower is that being late on a payment, missing a payment or rolling over a payment may negatively impact your credit score. Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from credit bureaus. Failing to pay on time may negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, all loans are subject to credit approval. As such, the lender or lending partner that you are connected with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score. But, if you are able to make all of your payments on time, the process of taking out and repaying a loan may improve your credit score.
The most important thing that you must understand as a borrower is the repercussions of making late payments on your loan. Although each lender or lending partner that we work with has its own terms and conditions for the loan and the repayment of the loan, there are some general repercussions that it is important for you to understand. There will likely be charges for making a late payment. Similarly, if you are extending a loan, the finance charge for the original loan must be paid on the original due date. Then your loan principal will be deferred with an additional finance charge. We recommend paying as much as possible towards your original due date in order to further reduce the charges you incur. If you plan to deviate from your payment plan, you should contact your lender or lending partner immediately to setup a new payment arrangement. If your loan payment is rejected for any reason by your bank, the lender or lending partner may initiate collection procedures and you will be prevented from receiving future loans from the lender or lending partner until all of your payment obligations are met in full. The most important thing to remember is to read about the payment options and penalties for the specific lender or lending partner that you are connected with and to make sure that you fully understand these policies. Lastly, remember that personal loans should be used only for short-term financial needs. They are not a long-term financial solution. In general you should always make sure to pay all of your outstanding loans/bills/debts on time.
Missing a Payment
loansac.com strongly recommends that you pay all of your outstanding debt/loans/bills when they are due. This will ensure that you will have a good payment record and minimize negative repercussions. Each lender or lending partner that loansac.com works with has their own terms and conditions governing the specific implications of missing a payment. However, if the lender or lending partner does not receive a payment the likely result is that the lender or lending partner will begin collection procedures against you and you will no longer be able to receive any more loans from the lender or lending partner. Therefore, it is important for you to both understand the specific requirements for repayment and the repercussions of missing a payment. And, again we strongly urge you to pay all outstanding debts/loans/bills on time.
Rolling Over a Payment
With some lenders or lending partners, it may be possible to roll over payments if you are unable to make a payment date. However, please note that, just like missing a payment or being late on a payment, this will have a negative effect on your credit score. Also, it is important to know that the interest that you pay will be the same with the rolled-over payment as with the missed payment.
Types of Renewal Policies
loansac.com works with a number of different lenders and lending partners, each of which has its own unique renewal policy. However, as a general rule there are two different kinds of renewals:
It is important to understand that once a loan can no longer be renewed by a borrower, the lender or lending partner will have to begin a collection process to recover the amount owed. Each lender or lending partner will have its own specific policy, so it is important that you read and understand that policy.
If you miss a payment on your loan and do not contact the lender or lending partner to discuss other repayment options, it is likely that your loan will be subject to collections. You will normally be contacted via phone, email and regular mail. If you continue to not respond, they will most likely use an external collections agency to collect the debt. These specifics will vary by the specific lender or lending partner, so it is important that you be sure to read and understand your specific loan's terms and conditions. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all of your lender or lending partner's policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan can not be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.
Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. loansac.com does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.
Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's or lending partner's terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.
Personal Loan Costs
On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender or lending partner, and the requester's repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.
Standard Personal Loan Terms
While specific terms of personal loans will vary depending on your state, your lender or lending partner and your specific circumstances, below is a general range of common terms.
Last Updated: October 16, 2017
If you do not agree with our Policy and practices regarding how loansac.com handles your personal information, you should not use our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Policy. This Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Policy periodically to determine if any changes have been made. The date on which this Policy was last updated will be noted immediately above this Policy.
Information We Collect.In the course of using this Website, we may collect personal information and data to (i) present you personal loans, financially-related products and/or other offerings that you seek; (ii) present the contents of this Website to you; (iii) deliver services that you have requested; (iv) communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, and/or other third parties; (v) display advertising tailored to you interests or background; (vi) perform data and statistical analysis from your use of this Website; (vii) enforce our Terms and Conditions; and (viii) perform any other functions otherwise described to you when you provide us with your information. Any collection of personal information or data through this Website is performed with your consent.
Personally Identifiable Information. We may collect Personally Identifiable Information ("PII") that you directly provide to us that can identify you, including, but not limited to, your first and last name, physical address, telephone number, cellular number, social security number, email address, date of birth, driver's license number, state of residency and information pertaining to your bank account.
Non-Personally Identifiable Information. We also collect information automatically as you navigate through this Website. We use log files and cookies to collect Non-Personally Identifiable Information ("Non-PII") including, but not limited to, the IP address of the computer or mobile device making the request, browser type and the times you access this Website and usage details. Please note that IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. Consequently, IP addresses are not linked to personally identifiable information.
Cookies. As you navigate through and interact with this Website, we may use automatic data collection technologies ("Cookies") to collect certain information, including but not limited to, information about your equipment, browsing actions and patterns, operating system, internet connection and location data. The information we collect automatically may include personal information, and we may maintain it or compound it with personal information we collect in other ways or receive from third parties. Cookies help us improve this Website so we are able to deliver a better and more personalized experience by reducing unwanted information that you might otherwise receive.
How We Use Your Information. We use the information that we collect about you through your interaction with this Website as well as information that you provide to us, including personal information. This information is used (i) to present the contents of this Website to you; (ii) to deliver services that you have requested; (iii) to determine whether to extend an offer to become an Affiliate or Advertiser in our Network; (iv) to communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, or other third parties; (v) to display advertising tailored to your interests or background; (vi) perform data and statistical analysis from your use of this Website; (vii) enforce our Terms and Condition; and (viii) to perform any other functions otherwise described to you when you provide us with your information.
Disclosing Your Information. As a general rule, loansac.com will not share, sell or otherwise distribute your personal information without your consent. However, loansac.com may disclose personal information that we collect or you provide as described in this Policy (i) to fulfill the purpose for which you provide your information; (ii) for any other purpose disclosed by loansac.com when you provide us your information; (iii) to third party service providers who assist us in operating this Website, conducting our business or serving our users, so long as such information is kept confidential; (iv) with affiliated entities; (v) to comply with any court order, law, legal process, and/or government or regulatory request; (vi) as part of a liquidation or bankruptcy proceeding, to a buyer or other successor in the event of a merger, reorganization, dissolution or divestiture of some or all of loansac.com's assets.
Data Retention and Security. By accessing and navigating through this Website, you hereby acknowledge and agree that loansac.com may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.
Commitment to Online Security. loansac.com uses reasonable efforts to protect the security of your personal information and encrypt sensitive information such as your social security number, driver license number and bank account information. Although we strive to provide reasonable security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.
No Liability for Acts of Third Parties. loansac.com will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, loansac.com shall not be liable for unauthorized disclosure of personal information due to no fault of loansac.com including, but not limited to, errors in transmission and unauthorized acts of third parties.
Consent to Communicate. When you submit your personal information to this Website, you are providing your express consent to be contacted via email, telephone, postal mail or text message communication. If you wish to opt-out of one or all of these communication methods, please follow the instructions provided in the corresponding communication.
Modifications or Amendments. From time to time, we may change this Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Policy.
Children Under the Age of 18. This Website is not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age.
California Disclosures. California Law requires us to provide certain disclosures to users of this Website.
Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at firstname.lastname@example.org. Please note that this section does not prohibit disclosure made for non-marketing purposes.
Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, loansac.com does not respond to do-not-track browser settings or signals.
Contact Us. If you have any questions or comments regarding this Policy or our practices, please reach out to us at email@example.com.