Annual Percentage Rate (APR) Disclosure & Range (Qualified Customers)
Annual percentage rate (APR) refers to the yearly interest generated by a sum that is charged to borrowers. APR is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction. The APR provides consumers with a bottom-line number they can compare among lenders, credit cards, or investment products. LendingLlama cannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 5.99% and 35.99%. Loan products generally have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully, as the APR and repayment terms may differ from what is listed on this site.
Financial Implications (Interest & Finance Charges)
LendingLlama is not a lender, and we cannot predict what fees and interest rates will be applied to any loan you may be offered. Your lender will provide all the necessary information about the associated costs of a loan they wish to offer you. You are responsible for reviewing the loan agreement carefully and accepting the offer only if you agree to all the terms. LendingLlama does not charge you for its loan matching service, and you are under no obligation to accept the terms that the lender offers you.
Late or Non-Payment Implications
By accepting the terms and conditions for a personal loan, you essentially agree to repay the loan both with interest and in the time frame specified in the loan agreement. In most cases, failure to repay the loan in full, or making a late payment, can result in additional charges. lendingllama.com has no ability to predict or estimate what supplemental charges will be incurred in the event of late, partial, or non-payment. lendingllama.com also has no control over or knowledge of any loan agreements or details between you and your lender.
Please carefully review the late, partial, and non-payment policies that your lender provides with your loan agreement. lendingllama.com 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
Our lenders may perform credit checks to determine your creditworthiness, 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.
Loan Renewal Policies
Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Before you sign the documents, carefully read and understand the renewal policy presented in the agreement.
Collection Practices
lendingllama.com 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. lendingllama.com only works with reputable lenders who use fair collection practices.
Legal Disclaimer
lendingllama.com connects borrowers with lenders or lending partners, and thus the specific terms and conditions of the specific lender or lending partner will apply to any loan a borrower takes out. We are compensated by these lenders or lending partners for connecting you with them, and the compensation received may affect which offer you are presented with.
Any displayed APR, loan amounts, interest, or other loan details are estimations only, and actual amounts will vary by lender or lending partner and by borrower. Please note that some lenders or lending partners may perform credit checks as part of their credit transaction approval process.
The lender or lending partner you connect with may not offer the best possible terms, and borrowers should always compare all available options before making any decisions. In addition, you may be connected with a tribal lender.
Tribal lenders' rates and fees may be higher than state-licensed lenders' rates and fees and are subject to federal and tribal laws, not state laws. The owners and operators of this website are not lenders; they do not broker loans and they do not make loans or credit decisions.
Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative, or broker of any lender or lending partner and does not endorse or charge you for any service or product.
Availability
Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR, and repayment term will vary based on your creditworthiness, state, and lender or lending partner.
Material Disclosure
The operator of this website is not a lender, loan broker, or agent for any lender or loan broker. This website is not an offer of credit, nor is it a solicitation to lend. We are not affiliated with any lender. We are an advertising referral service for lenders that may be able to offer loans in amounts between $250 and $3,000. There is no fee to use our services. Your loan request submitted on this website will be shared with one or more lenders. There is no guarantee that you will be connected with a lender, your loan request will be approved by a lender, or you will be offered the loan amount requested. Lenders may perform a credit check to determine your creditworthiness or verify your information. Any compensation we receive is paid by lenders and other advertising partners, and only for advertising services provided. Short-term, small-dollar loans should not be used as a long-term solution to financial hardship.
Contact Us:
25 SE 2nd Ave Ste 550, Miami, FL 33131
Email: support@lendingllama.com
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