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Please read this information carefully and save or print a copy for your records.
Introduction
You are requesting to be connected with one of our network lenders. To facilitate this process, we require your consent to use electronic signatures, records, and disclosures (“E-Consent”). This document outlines your rights regarding electronic communications. By clicking the “Agree” button, you acknowledge that you have received and understand this E-Consent and agree to conduct transactions electronically, including the use of electronic signatures, disclosures, records, and contract documents (“Disclosures”).
Your Option for Paper Copies
You have the right to receive any Disclosure in paper form, free of charge. To request a paper copy, please contact the lender directly. The lender will retain all Disclosures as required by law.
Scope of Consent
This E-Consent applies to all online interactions between you and the lender, including those conducted on mobile devices such as phones, smartphones, and tablets. By providing this E-Consent, you authorize the lender to process your information and communicate with you electronically throughout your online interactions. The lender may also send you electronic notices related to these interactions and transactions. Disclosures may be provided on our website, the lender’s website, or via email.
Requirements for Electronic Access
Before agreeing to conduct business electronically, please ensure you have the necessary hardware and software:
A computer or device with internet access
An active email account
An internet browser that supports at least 128-bit encryption (e.g., Microsoft® Internet Explorer, Netscape®, Mozilla Firefox®, Google Chrome™)
A PDF reader such as Adobe® Acrobat Reader X® or Foxit® (to view certain documents)
A printer or storage device (to save copies of Disclosures)
Please contact the lender directly with any questions regarding these requirements.
Withdrawing Your Consent
Your E-Consent for our service is a one-time transaction and cannot be withdrawn. However, if you are connected with a lender, you are free to withdraw your E-Consent with that lender at any time, without charge. Please note that withdrawing your consent may prevent you from obtaining credit from that lender. To withdraw your E-Consent, please contact the lender directly. Withdrawing your consent will not affect the validity of any prior electronic Disclosures.
Updating Your Contact Information
Please keep the lender informed of any changes to your email or mailing address. You can update this information by logging into the lender’s website or by sending them a written notice by mail.
Accessing Disclosures
By clicking “Agree,” you confirm that you can access the Disclosures in the formats described above.
Consent
By clicking “Agree,” you acknowledge that you have read and understand this information about electronic signatures, records, disclosures, and conducting business electronically. You consent to use electronic signatures, receive all Disclosures in electronic form, and conduct business with the lender electronically. You understand that you may request a paper copy of any electronic record or Disclosure, free of charge. If you do not wish to proceed, you should not click “Agree.” You also acknowledge that your consent to electronic disclosures is required to receive services from the lender online.
Important Information: Please Review Carefully
If you are experiencing significant financial hardship, exploring alternative solutions or seeking advice from a qualified financial advisor is strongly recommended.
This website utilizes Site Visit Recording Technology to document interactions, including tools provided by third-party services like Jornaya’s LeadiD. By using this website and submitting your information, you agree to the use of this technology.
The owner of this website is not a lender, nor are they affiliated with any lending institution. We do not accept loan applications or participate in any lending-related activities, such as making credit decisions, arranging loans, or managing loan payments. Submitting your information through this site is simply a request to be matched with financial service providers who may be able to assist with your financial needs. These providers are solely responsible for evaluating your credit application, verifying your information, and making independent credit decisions.
The services offered on this website are purely administrative in nature (commonly known as “lead generation”) and are provided to you at no cost. Lenders and other financial service providers compensate us for connecting them with consumers seeking financial services. This often operates on a competitive bidding system, similar to Google AdWords, where the provider offering the highest bid is connected with the consumer.
In certain instances, you may have the option to connect with a tribal lending entity (“TLE”). Please be aware that TLEs operate under tribal and specific federal laws, exempt from state laws, including those related to interest rate limits. If you choose to engage with a TLE, it is important to understand that their rates and fees may be higher than those of state-licensed lenders. Furthermore, TLEs may require you to resolve any disputes within a tribal jurisdiction. It is essential to carefully review and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to decline any loan offer that you cannot afford to repay or that contains unacceptable terms.
By submitting your information via this website, you authorize the owner of this website and its network of available lenders to do a credit check,
By submitting your information through this website, you consent to allow us and our network of lenders to conduct a credit check, which may involve verifying your Social Security number, driver’s license number, or other forms of identification, as well as evaluating your creditworthiness.
These credit checks are typically conducted through major credit bureaus such as Experian, Equifax, and TransUnion, but may also include alternative credit reporting agencies like Clarity, DataX, or others. You also authorize us to share your information and credit history with our network of lenders and other relevant service providers.
Our lenders provide loans with Annual Percentage Rates (APRs) of 35.99% or lower. For eligible consumers, the maximum APR (including interest rates, fees, and other associated costs) is capped at 35.99%. All loans are subject to approval by the lender, based on their individual underwriting standards.
Example: For a loan of $4,300.00 with an APR of 35.99%, repaid over 30 monthly installments, the monthly payment would be $219.36, and the total amount payable would be $6,581.78. Loans have a minimum repayment period of 12 months and a maximum of 30 months.
Please note that this service is not available in all states.
Lender’s Disclosure of Terms
When a lender chooses to extend a loan offer to you, they are legally obligated to provide documentation outlining all fees and interest rate information associated with the loan. This includes any potential charges for late payments, as well as the terms for refinancing, renewing, or rolling over your loan, if permitted by law. Loan fees and interest rates are determined solely by the lender or financial service provider, based on their internal policies, underwriting criteria, and applicable legal requirements. We have no knowledge of or control over the specific loan terms offered to you.
The Impact of Late Payments on Your Credit Score
It is important to be aware that missing a payment or making a late payment can have a negative impact on your credit score. To protect yourself and your credit history, ensure that you only accept loan terms that you are confident you can repay. If you anticipate being unable to make a payment on time, contact your lender immediately to discuss available payment options.
