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annual percentage rate (apr)

here at littlelakeloan we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement.

loan term (repayment period)

minimum : 65 days
maximum : 84 months

representative example of apr

if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48.

financial implications (interest & finance charges)

we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

implications of non-payment

when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment.

potential impact on credit score

we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score.

collection practices

we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection.

loan renewal policies

loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.

DISCLAIMER

79 loans is not a lender and does not make loans or credit decisions. 79 loans provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. 79 loans does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use 79 loans ‘s service to initiate contact, nor apply for credit or any loan product with any service provider or lender. This service is not available in all states.

Consumers submitting an application for a loan at 79 loans incur no cost. 79 loans does not provide lending services directly to consumers. Based on the application consumers submit, 79 loans searches its database housing its vast network of reliable lenders to pair consumers with the lender and loan ideally suited to their needs.

All fees and rate information will be disclosed to consumers by their lender at the time of approval. Upon conclusion of the search and application approval, you will be redirected to an e-signature page provided to you by the lender to which you were matched. This document will contain all fees and rate information pertaining to the loan being offered by a lender from the 79 loans network. Consumers are required to review the fee and rate information provided by their lender at this time thoroughly and completely before agreeing to the terms of the loan. Consumers are under no obligation to accept these terms.

If the consumer decides the loan terms detailed in the lender contract are acceptable and wishes to proceed with the loan process, consumer may append an e-signature to the page. Once the consumer enters into a legally binding contract with the lender, consumer assumes all costs and risks associated with the contract. At that point, the consumer is obligated solely to the lender and is never at any point obligated to 79 loans. The loan fees and interest rates are determined solely by the lender to which the consumer is matched, with specific amounts determined based upon the application information submitted. 79 loans has no bearing on the determination of these fee amounts and interest rates.

Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state.

The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of California, regardless of where you may be accessing this site. 79 loans does not guarantee that completing an application form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. 79 loans specifically does not offer or solicit cash advances in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, West Virginia, Virginia, or Ohio. You will not be charged any fees to use 79 loans ‘s service.

Service providers or lenders will not require credit scores with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. Learn more about Rates & Fees.