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Zayloan.com provides a free service that connects you with a network of lenders and lending partners.
We are not a lender ourselves and do not offer loans directly. Instead, we use the information you provide to search our network and find a lender or lending partner who may be able to offer you a loan.
Transparency and the Truth in Lending Act
The Truth in Lending Act (TILA) requires lenders to fully disclose all loan fees and interest rates. Your lender or lending partner will provide you with this information at the time of approval. After approval, most lenders will direct you to an e-signature page where you can review and agree to the loan terms. This page is provided by the lender to which you were connected.
Reviewing Loan Terms
The lender or lending partner will provide you with documents that detail all fees and interest rates associated with the loan they are offering. Please carefully review this information before agreeing to the loan terms. You are under no obligation to accept the loan. If you find the terms acceptable, you can e-sign the page and await the transfer of your funds.
Loan Details Determined by the Lender
The loan fees and interest rates are determined solely by the lender or lending partner based on the information you submitted. Zayloan.com has no control over or knowledge of the specific loan details between you and the lender. If you find a particular lender’s loan terms unsuitable, you are free to discontinue the request process.
Understanding Late Payment Policies
Lenders and lending partners have varying policies regarding late payments. Before e-signing and agreeing to the loan terms, review the late payment policy detailed in the loan documents provided by your lender. All lenders and lending partners must comply with applicable laws and regulations regarding late payment fees.
Non-Payment Policy
If you are unable to repay your loan, additional fees or charges may apply. Zayloan.com strives to work only with reputable lenders and lending partners who are committed to pursuing collections of past-due accounts in a fair and reasonable manner.
Loan Renewal Policies
Loan renewal policies are largely governed by state regulations. In states where rollovers or repayment term extensions are permitted, interest rates and late fees can significantly increase the total cost of your loan.
For any questions or concerns, please contact us at [email protected].
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.
