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Rates & Fees does not charge you anything to submit our loan request form. Please remember that is not a lender and does not broker loans or make any credit decisions. Once you submit your personal loan request, shows your information to our large network of lenders and other third-party networks of lenders so they can choose whether to offer you a loan. Lenders are required by law to disclose all fees and rate details before you accept their offer for a loan.

If we can’t find a loan offer for you, we may pass some limited information about you to marketing partners so you can receive offers for credit repair, debt relief or similar services.

If a lender offers you a loan, you will be redirected to your lender’s site where they provide you information about your loan offer. It is important that you thoroughly review all information provided prior to agreeing to the loan terms and conditions. You are not required to accept the loan offered by the network lender. However, if you choose to accept a loan offer, you can simply follow the lender’s instructions and funds may be direct-deposited into your bank account.

Fees and interest rates of personal loans are established solely by your lender, with specific amounts determined by information provided in your loan request form. Most personal loans are between $500 and $10,000. Your monthly income and employment status determine how much you can borrow and what rates you can receive. has no influence on how network lenders establish fee amounts and interest rates for personal loans.

In accordance with the Truth in Lending Act, lenders must fully disclose all loan fees and interest rates to borrowers up front. Borrowers have the right to determine if the provided terms and conditions are suitable before signing anything. You are not obligated to continue with the personal loans request process if you deem the terms and conditions unacceptable.

Interest rates for personal loans offered by lenders may fluctuate and are typically higher than those provided by banks. However, bank loans have more stringent qualification criteria and often incur a longer review period. You may be able to receive your funds in as little as one business day with personal loans, whereas it could take weeks to obtain a similar loan from a banking institution. does not charge any fees and you are under no obligation to accept a loan offer from one of the lenders in our network.

It may be possible to obtain a loan with a poor credit rating. Having poor credit might cause a lender to offer a higher APR or other less favorable loan terms. works with some lenders that may be willing to offer you a loan if you have bad credit. Be sure to review the details of any loan offer presented to you and compare it to other options available to you.

Local laws and regulations play a determining factor in the rates and fees offered for your loan. Lending terms may vary by state, since some states have taken action to increase regulation of the personal loans industry.