Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

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This website provides its services free of charge. In order for us to provide a free service to you, we may receive compensation from third-party advertisers. This compensation may affect the manner in which certain products or services may be displayed throughout our website. Please note that not all financial service products or services are available through this website.


Material Disclosure:

The operator of this website is not a lender, and we do not control and are not responsible for the actions of any lender. Not all lenders in our network can provide up to $5,000. The service is not available in all states. Residents of New York are not eligible to use the service to request a loan. We can’t guarantee that your request will be accepted by one of participating lenders. The service is absolutely free. We do not charge you for any service. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. Credit Implications We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score. Our lenders do not look at credit alone so a low score won't necessarily disqualify you. Our lenders also look at income and previous outstanding loans. APR Disclosure Your lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.


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Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR. Loan term lengths from 61 days to 72 months for qualified consumers.

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Do You Qualify

We exist to help our customers find the loans and finances they need, when they need them most. The qualification to use our service is very flexible. The only conditions you need to meet are that you must be over 18 and a resident of the United States with a permanent address, have a regular income and hold a checking account.

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Be over 18 years of age and live within USA

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Provide us with some basic personal details and how much you’d like to borrow. This shouldn’t take any longer than 5 minutes and your data is Safe And secure.

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APR Range

Loansmee.net is not a lender and does not have the ability to disclose exact APR. Consumers who originated via a paid Google advertisement feature rates on Loansmee.net of a minimum of 5.99% APR to a maximum of 35.99% APR (calculated consistent with the Truth in Lending Act, TILA) with repayment terms from 61 days to 72 months. This number will be set by your lender and you will be notified of the final number before accepting the loan terms. Annual percentage rates can vary based on both: 1) the information that you supply in your initial loan request, and 2) the information that your lender supplies to you.

Rates based on creditworthiness and are subject to change without notice. Your actual rate and monthly payment may vary. Must be 18 years of age or older to request. Loansmee.net does refer consumers to trusted professional lenders who can provide loan information and assistance. There is no charge for our service. Once your request has been submitted and if approved, you shall be presented with the loan offer agreement. Lenders will disclose all details related to the loan — including APR, loan finance charges, or any other loan terms you would be agreeing to. We recommend to all users to carefully read and review the loan terms of any offer you receive. If you still have questions related to APR or loan related services, please contact us for more assistance.

Repayment Terms

Our lenders give you as much as 72 months to repay your loan. View Terms Below. Lending Period: 61 Days to 72 months Payment Options: Once to twice a month Maximum APR: From 5.99% to 35.99%

Representative Example

If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back 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.

Examples of Costs & APR

Loan Amount Interest Rate Loan Term Fee % Fee Cost Montly Payment APR Rate Total Repayments Total Cost
$1,000 24.00% 12 months 3.00% $30 $94.56 29.82% $1,134.72 $164.72
$2,000 19.00% 24 months 5.00% $30 $100.82 24.12% $2,419.68 $519.68
$5,000 13.00% 48 months 8.00% $400.00 $131.67 18.23% $6,320.12 $1,720.12
$10,000 7.90% 60 months 10.00% $1000.00 $202.28 9.20% $12,136.80 $3,136.80

Financial Implications (Interest & Finance Charges)

Loansmee.net is not a lender, and we cannot predict what fees and interest rates will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. You are responsible for perusing the loan agreement carefully and accepting the offer only if you agree to all the terms. Loansmee.net service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe, according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as Loansmee.net is not involved in the lending process, we cannot supply any information on the fees you will incur if any disruptions occur. For more information, please contact the lender directly if you have any issues related to your loan repayment.

Please carefully review the late, partial, and non-payment policies that your lender provides with your loan agreement. Loansmee.net works hard to partner with only the most trustworthy and reputable lenders who pursue the collection of past-due loan accounts in a fair and reasonable manner.

Potential Impact to Credit Score

Loansmee.net is not a lender, and we do not check your credit standing and credit capacity. When you submit a request on our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. They will most likely turn to one of the three major credit bureaus: Transunion, Experian, or Equifax. When the lender inquires about your credit via these platforms, that inquiry will be considered a hard inquiry, affecting your credit score.

Collection Practices

Loansmee.net is not a lender and, because of this, we have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. Loansmee.net only works with reputable lenders who use fair collection practices.

Footnotes

(¹) – Five minutes is the average time taken to complete the online loan offer process, submit your details and receive a loan offer decision if approved.

(²) – Sixty seconds is the average time it takes to receive a response from our system once you have submitted your details for a loan offer decision.

(³) – Depending on the loan amount, lender and your bank’s clearing times funds can be received on the same day, next day or within a few days.