Get up to $3000 personal loan from a direct lender without much effort!

Rates and Fees

Here, at, you can take out a personal loan at no expense. Our website does not charge for filling out our online form, submitting a request, and getting in touch with the chosen direct lender. After you’ve drawn up the request application, you receive the list of credit companies that are ready to grant you the necessary sum. You can study their lending terms and conditions, familiarize yourself with the documents they’ve offered, and ask them any questions you have about how to get a personal loan. All this is free of charge, irrespective of your ultimate decision. Even if you finally refuse to take the money from any of our lenders, the services of will still remain toll-free.

It is important to note that you can terminate your registration on our website at any time. And again, you will not have to pay for this. Moreover, you can change your mind about taking small personal loans at any moment, too: you are not under obligation before the chosen lender until you’ve e-signed his lending agreement. But as soon as you have done this, you will have to remember about interest, late fees, and other charges associated with the loan. Please, bear in mind that you will receive the money from the chosen credit organization, but not from our website. Thus, you’ll have to pay back your unsecured personal loan to your lender, not to us.

Credit Rates and Fees

The specialists of are not armed with information on loan charges and penalties. All this data should be specified with the lender you are going to borrow from. It is important to take into account that different credit organizations have different annual percentage rates, late payment penalties, and other charges. Besides, the loan payment schedules may vary from one lender to another, too. Therefore, it is essential for every borrower to study the terms and conditions of unsecured personal loans they’re going to take out. Make sure you will be able to pay off the lump sum plus all the additional charges in due time. If you have any questions associated with the fees, payment schedule or other aspects of credit granting, please, get in touch with the chosen lender. You can find his contact details in the lending agreement he has sent to you.

Cost of Personal Loans in Different States

One should remember that interest rates, fees, and penalties associated with loans may be different in different parts of the country. The minimum and maximum loan amounts, availability of extended payment options, the details of payment schedule, and the number of credits that may be given at the same time can vary from state to state, too. All these issues are regulated by federal laws and state provisions, and credit organizations working in our network have to abide by them. Before you take out personal loans online, please, make sure the chosen credit company adheres to existing norms and regulations. Naturally, it may have its unique rates, fees, and late payment penalties, but all these figures must not contradict existing state laws. Read the agreement the chosen lender has offered you or ask him all your questions directly.

The specialists of do their best to help the website users find appropriate direct lender and take out bad credit personal loans with no trouble. In order to give our visitors a helpful hand, we’ve prepared the table reflecting the maximum loan amounts and annual percentage rates permitted in different parts of the country. Take time to study it and familiarize yourself with all this data. It will help you make sure that the chosen credit organization abides by local and federal laws.

Outstanding Issues Associated with Personal Loans

All the issues connected with loan services are generally resolved in compliance with the regulations in force in your place of living. Besides, the dispute settlement procedures are predetermined by every concrete credit company. Thus, we strongly recommend the users of our website to gain a better insight into the terms and conditions of poor credit personal loans offered by the lenders we represent. It is important to note that you can receive up to $3,000 for any purposes. This sum should be repaid in several scheduled payments in accordance with the credit organization’s requirements. Make sure you will be able to pay off the money you’ve been granted plus interest and other charges within the timescale agreed.

Late Payment and Non-Payment of Online Personal Loans

In the event that you cannot pay off your debt in due time you should do your best to get in contact with your lender and explain the situation to him. Please, try to do it as soon as possible, as you will be charged for each day overdue. Tell the chosen credit organization about your problems and ask the lender to extend the loan term, as you will be able to repay the debt later. He may satisfy your request or choose another course of actions – he is justified in doing whatever he considers correct. In some cases, when borrowers cannot repay their personal loans for bad credit, lenders set late payment penalties in accordance with the existing state norms. You can get additional information on such penalties in your lending agreement or directly from your lender.

It is also worth noting that if the total amount of your microcredit is less than $500, the loan charges will tot up to 40%. If the lump sum amounts to $500 – $3,000 the fees associated with it will be even higher. Along with that, the lender can inflict late payment penalties and the insufficient fund fees in accordance with local legislation. Make sure you’ve got all the necessary data about all the charges foreseen by your lender.

Collection Procedures

As a rule, the credit companies we represent do not sell their borrowers’ debts to third-party collection agencies. If a client cannot repay his bad credit personal loan, the lender gets in touch with him\her and tries to identify solutions to the issue. It is also important to note that the companies working in our lending network must follow the norms and regulations of the Fair Debt Collection Practices Act. This document protects borrowers against debt collectors.