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Understanding Personal Loans

Fees and Interest

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the loan request or accept a loan offer if you find a particular lender’s loan terms unsuitable.

Credit Score Impact does not make credit decisions nor does conduct a credit inquiry on consumers. Some personal loan lenders on the network may conduct a non-traditional credit check in order to determine your eligibility for a loan. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

Renewal Policy Information

Upon accepting your personal loan offer, your lender will present you with a variety of loan renewal options. Carefully look through the lender’s loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine lenders’ loan renewal policies to a significant extent. You should always carefully review the terms and conditions of the loan offer you receive.