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Frequently Asked Questions
What Are Personal Loans?
Personal loans can be used for almost any expense - from paying off credit cards to financing home repairs or even a much-needed vacation. They are typically paid back in monthly or bi-monthly installments over an extended period of time. Personal loans can be a convenient alternative to bank loans or high-interest credit cards, with online request forms and no-hassle automated repayment.
How Much Will The Loan Cost?
The cost of the loan and Annual Percentage Rate (APR) depend on several factors, including state law, credit history and employment history. The APR also depends on the request loan amount and term. The loan terms are disclosed during the loan request process when you are directed to the lender’s or lending partner’s website. Start your loan request now!
How Soon Can A Personal Loan Be Made Available?
Companies that offer personal loans and cash advances typically do perform credit checks. Personal loan companies will check your credit through national databases that track consumer lending transactions (such as Teletrack, DP Bureau, or DataX) or through the three major credit reporting bureaus (Experian, Equifax, and Trans Union). However, loan review procedures do vary by company.
How Soon Can I Get The Funds?
The time it takes to process and fund a loan varies with each loan company. Processing time also depends on the financial institution where the customer has their bank account. Nevertheless, approved individuals can receive their loan funds as soon as the next business day.
When Does the Loan Need To Be Repaid?
Repayment terms, including dates for repayment and any fees chargeable in the event of rollover, etc., vary for each company that offers loans, and it is essential that you review all of these terms and conditions before entering into a loan agreement.
What Happens If I Do Not Pay?
If you do not pay the full amount of principal and interest by the agreed-upon payment date, you will likely be charged a new finance charge and payment may be extended until your next pay date. Life Loans does not enforce payment, but your lender and/or lending partner may take legal action against you if you do not pay them.
The Annual Percentage Rate (APR) is the amount of interest you would pay on a personal loan over the course of a full year. The cost of the loan and APR depend on several factors, including the lender and/or lending partner, credit history, employment history, and applicable law. Your APR also depends on the desired loan amount and length of the repayment period.
The terms of your loan, including the APR, fees, finance charges, and other terms are disclosed during the loan request process after you are directed to the lender's and/or lending partner's loan agreement. This information is strictly between you and the lender and/or lending partner you are connected with. Not all customers will be eligible for a loan or meet the criteria to receive the best terms or lowest interest rate.
The examples represent sample rates, are for informational purposes only, and may not reflect the actual APRs offered by your lender and/or lending partner.
If you borrowed $5,000 over a 24 month period and the loan had a 6% APR, your monthly repayments would be $221.60, with a total payback amount of $5,318.47
If you borrowed $5,000 over a 24 month period and the loan had a 15% APR, your monthly repayments would be $242.43, with a total payback amount of $5,818.40