Rates And Fees
Here is a general breakdown of how rates and fees work with our lenders.
loanzebra.com’s service is always free. loanzebra.com is not a lender or lending partner and does not provide lending services directly to consumers. Based on the information you submit, loanzebra.com searches its database housing its network of lenders and lending partners to connect you with a lender or lending partner and that may offer you a loan.
The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender or lending partner at the time of approval. Upon the conclusion of lender or lending partner approval, most lenders and lending partners will direct you to an e-signature page. This page is provided to you by the lender or lending partner to which you were connected.
Full Disclosure of Terms
The lender or lending partner provides documents that contain all fees and rate information pertaining to the loan being offered to you by the lender or lending partner. Please review the fee and rate information provided to you by your lender or lending partner at this time thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms detailed in the lender or lending partner contract are acceptable and wish to proceed with the loan process, e-sign the page and await transfer of your funds.
The loan fees and interest rates are determined solely by your lender or lending partner, with specific amounts determined based upon the information you submitted to the lender or lending partner. loanzebra.com has no control or knowledge of the loan details between you and your lender or lending partner. You are under no obligation to continue with the request process if you find a particular lender’s or lending partner’s loan terms unsuitable.
Late Payment Policy
Lenders and lending partners have varying policies regarding late payments. Review the late payment policy detailed in the loan documents provided to you by your lender or lending partner before appending your e-signature, and thereby agreeing to the loan terms. All lenders and lending partners, however, must abide by applicable laws, rules, and regulations regarding late payment fees.
Additional fees or charges may apply to you in the event that you are unable to repay your loan. loanzebra.com uses commercially reasonable efforts to work only with reputable lenders and lending partners dedicated to pursuing collections of past due accounts with conduct that is fair and reasonable.
Loan Renewal Policy
Loan renewal policies are largely governed by state regulatory legislation. In states where rollovers, or repayment term extensions, are allowed, interest rates, along with any late fees that may be assessed, can add a substantial dollar amount to the end price of your loan.
What Can We Help You With?
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. LoanZebra.com is not a lender or lending partner and does not make loan or credit decisions. LoanZebra.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. LoanZebra.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. LoanZebra.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, LoanZebra.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where LoanZebra.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing LoanZebra.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize LoanZebra.com to share your information and credit history with a network of approved lenders and lending partners.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. LoanZebra.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.