Financial Implications (Interest & Finance Charges)

LendZone Express does not function as a lender, hence we cannot anticipate the fees and interest rates that will be applied to any loan you might be offered. Your lender will furnish you with all essential information regarding the associated costs of the loan they propose. It is your responsibility to meticulously review the loan agreement and accept the offer only if you concur with all the terms. LendZone Express does not levy charges for its loan matching service, and you are not obligated to accept the terms presented by the lender.

Late Or Non-Payment Implications

By agreeing to the terms and conditions for a personal loan, you are essentially committing to repay the loan, including both the principal amount and the interest, within the specified timeframe outlined in the loan agreement. In the majority of cases, failure to repay the loan in full or making late payments may lead to additional charges. LendZone Express.com does not have the capability to anticipate or estimate the additional charges that may be incurred in the event of late, partial, or non-payment. Furthermore, LendZone Express.com does not have any control or knowledge of the loan agreements or details between you and your lender.

Please take the time to thoroughly review the late, partial, and non-payment policies outlined by your lender in your loan agreement. LendZone Express.com diligently collaborates with only the most reliable and reputable lenders who handle past-due loan accounts in a fair and reasonable manner.

Potential Impact to Credit Score

Our lenders may conduct credit checks to assess your creditworthiness, credit standing, and/or credit capacity. By submitting your request, you consent to our lenders verifying your personal information and checking your credit. It’s important to note that missing a payment or making a late payment can have adverse effects on your credit score.

Collection Practices

LendZone Express.com does not act as a lender, and therefore, we are not involved in the debt collection process. The lender will disclose their debt collection practices as part of the lending agreement provided to you. If you have any questions regarding collections, please reach out to the lender for complete details. LendZone Express.com exclusively partners with reputable lenders who employ fair collection practices.

Legal Disclaimer: LendZone Express.com connects borrowers with lenders or lending partners, and therefore, the specific terms and conditions of the lender or lending partner will apply to any loan a borrower obtains. We receive compensation from these lenders or lending partners for connecting you with them, and this compensation may influence the offers you receive. Any displayed APR, loan amounts, interest rates, or other loan details are estimations only, and actual amounts will vary depending on the lender or lending partner and the borrower. Please be aware that some lenders or lending partners may conduct credit checks as part of their approval process. The lender or lending partner you are connected with may not offer the most favorable terms, so borrowers should always compare all available options before making a decision. Additionally, you may be connected with a tribal lender. Rates and fees from tribal lenders may be higher than those from state-licensed lenders 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 or make credit decisions. Nothing on this website constitutes an offer or solicitation to lend. Any information you provide on this site will be shared with 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. Therefore, your loan amount, APR, and repayment term may vary based on your creditworthiness, state regulations, and the lender or lending partner you choose.

Material Disclosure: The operator of this website is not a lender, loan broker, or agent for any lender or loan broker. This website does not constitute an offer of credit, nor is it a solicitation to lend. We are not affiliated with any lender. Instead, we operate as an advertising referral service for lenders who may offer loans ranging from $250 to $3000. There is no fee to use our services. When you submit a loan request on this website, it will be shared with one or more lenders. However, there is no guarantee that you will be connected with a lender, that your loan request will be approved, or that you will be offered the loan amount you requested. Lenders may conduct a credit check to assess your creditworthiness or verify your information. Any compensation we receive is provided by lenders and other advertising partners, solely for the advertising services we provide. It’s important to note that short-term, small-dollar loans should not be relied upon as a long-term solution to financial difficulties.

Loan Renewal Policies

Loan renewal options may not always be available. It’s recommended to confirm with your lender whether this option is available. Before signing any documents, make sure to carefully read and understand the renewal policy outlined in the agreement.

Footnotes

(*) The average time taken to complete the online loan offer process, submit your details, and receive a loan offer decision if approved, is three minutes.

(**) Once approved, your cash could be sent within 15 minutes. However, the time it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

(***) Although some providers offer rates ranging from 4.95% up to 35.99% APR, rates as low as these are typically only available to certain customers. The repayment terms mentioned are for closed-end loan products and may not reflect all loan products offered in our network.