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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.

RATES & FEES

The services that 79 loans provides are completely free to you! We do not charge any fees for matching you with payday lenders in our network. 79 loans does not provide loans and we do not have any say in the rates or terms of our lenders. Our services are designed to take your information and then make it easy to find the lender that can best serve your needs.

After you are matched with a lender, and your loan is approved, the interest rates and fees that you will incur during repayment will be provided to you. This is required of every lender under the Truth in Lending Act. If you agree to the rates and fees, the lender will direct you to an e-signature page, and your loan will be processed.

Disclosure of Terms

The lender will provide you with a document that outlines all of the terms of the loan being offered. The information provided will include the rates and fees that you will be responsible for. It is recommended that you carefully review the terms of the loan before moving forward. If you agree to the terms, you will be directed to a page that will ask for your e-signature.

79 loans is not responsible for any of the terms presented to you. Rates, fees, and terms are directly decided on by the lender. Our service only matches you with a lender – we are not informed of the terms of the loan offered to you. If you are not comfortable with the loan terms you are under no obligation to move forward with the lender.

Implications of Late Payments

Each lender in our network has their own policy when it comes to late payments. Before you agree to a loan you will be provided with the information regarding the implications of making late payments. Be sure that you understand the policy before you e-sign for a loan. Each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.

Implications of Non-Payment

If you default on the payments of your loan you may be responsible for additional fees. At 79 loans we strive to work with lenders that use fair and legal collection actions to rectify a loan that has not been repaid. Please review the laws in your state to learn more about the implications of not repaying a payday loan.

Disclosure of Renewal Policy

Extending the repayment terms of a loan may result in additional interest paid, as well as late fees, which can greatly increase the total amount you pay back on a loan. In most cases, loan renewal policies are regulated by the state government. Learn more about your states policies in regard to loan renewal, and carefully read the lender’s terms before signing a loan contract. There are some American states that do not have any specific lending statutory provisions pertaining to payday loans. And they do not require that lenders comply with the interest rates offered by: Maryland, New Jersey, Connecticut, Massachusetts, West Virginia, Vermont and Pennsylvania. North Carolina and Arizona are allowed preexisting cash loans statues and laws to sunset.