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What is a personal loan?
Ever had an emergency which you needed to take care of urgently but had no funds to back you up? Well, a personal loan is meant for such situations. It is a way with which you can get up to $35,000 in funding through lenders. A personal loan is a type of loan you can use for your personal things. You can use it to, for example, repair your vehicle, buy luxury items, make home enhancements, or bill your payments, etc. The term of the loan is the total duration within which you have to pay back the entire loan. This length can sometimes run for up to 180 days/6 months, depending on the type of loan and the lender. Before you receive a personal loan, however, you have to fill out some forms with your details and how you intend to repay the loan, the amount you want to borrow, the term of the loan, etc. Our online loan request forms are simple and easy to understand. Plus, they dont contain any long and difficult to understand questions either. Instead, we will only require that you provide some basic information plus where you would want the loan to be sent.
The basic requirements to complete our online form are as stated below:
- Must be 18 years and above.
- Must be a U.S. citizen.
- Must have a steady income.
- Must have a bank account where the funds will be deposited.
Disclosure Policy
Please read the following disclosures. There is information about General Loan information, APR information, Renewals and Repayment Terms.
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APR Information
This is information about the Annual Percentage Rate (APR). The APR includes the rate of interest a borrower pays over a one year period, and it determines the yearly cost of a loan. Loan repayment terms can range from 61 days to 72 months. app.finsmartpeak.com cannot promise a specific APR. Our lending partners set the APR on all loan products. Read the terms of your loan carefully before accepting and signing a loan contract.
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Renewal Policy
Lenders have unique Renewal Policies. Some of them have automatically renew or "roll-over" features. These conveniences often come at an additional fee. Please ask the lender you were connected with for their renewal policy. Again it is vital to read through the entire Loan Agreement and Disclosure to make sure you are comfortable with their terms before accepting the loan.
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Late, Partial, or Non-Payments and Collections
Though each lender has to operate within the state laws that govern them, they have their respective approaches to handling late payments. A loan is an agreement between you and the lender to fully repay the loan by the time agreed. Depending on your agreement with your lender, if you are late for the agreed payment, a lender may add fees, send to a collections agency, report your late, partial or non-payment to a consumer reporting agency. These policies change per lender, so please make sure to consult your lender to find their respective policies.
