NOTICE: This disclosure is being provided to you pursuant to our terms of service with Google®, Inc. It is not required by any federal, state or local law.
We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.
Our lenders may offer you a loan with an APR between:
200% and 2281%
The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.
Rates vary by state, applicant information and lenders. An example loan of a $100.00 for 14 days could cost $25.00 in fees with an APR of 651.79%. The total amount to payback could be $125.00.
NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.
If you do not pay your loan according to its terms, your lender may:
• Charge you late fees
• Send your account to a collection agency
• Report your information to a consumer reporting agency, which may negatively affect your credit score
• Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest
Financial implications (fees and interest):
-What happens if I’m late with my payment or don’t pay at all?
Additional fees will more than likely occur in the event of a late or partial payment. Failure to pay will result in legal action, as well as reporting of the non-payment to a consumer reporting agency.
Fair Debt Collection Practices:Threatening legal resource, when no legal action is permitted.
Trying to collect debt from consumers through misrepresentation.
Trying to contact customers with intent to annoy, abuse, harass, or use profane/ inappropriate language at anytime.
Trying to reach a consumer anytime before 8am or after 6pm.
If for any reason our lenders violate any of these laws, or other FDCPA statues, US-Loan-services.com will stop conducting business with them as well as report them to FTC also known as Federal Trade Commission.
US-Loan-services.com adheres to the provisions of the Fair Debt collection Act when consumers repay their loans. US-Loan-services.com are not a lender so we can not collect debt form customers; however, the lenders in our network have to follow statuses completely, which include:
Potential impact to users’ credit score:
US-Loan-Services.com is not a lender and we do not perform any type of credit check. We try to match your application to lenders in our network in order to find the right loan for you. Most of our lenders do not do traditional credit checks, however, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history. Although most lenders do not run a credit check through the “Big 3”, most will do a form of credit review with a specialized bureau.
Renewal policy information:
Renewal policies are determined by the lender, not by us, so they will vary. But, be aware some lenders may not debit your account for the full amount of the loan, which may result in additional fees and a renewed loan. Make sure you read the renewal policy carefully and make your wishes clear to the lender.