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The operator of Winship Lending will search their system on an ongoing basis to bring you financial offers that suit your everyday needs. They are not a lender and they cannot guarantee you will be approved, but they will match your profile with their database of lenders to give you the best offers for your situation. Not all lenders can provide the advertised loan amount. Their lenders include long term installment lenders, short term loan installment lenders and payday loan lenders. This website does not constitute an offer or solicitation to lend. This site will submit the information you provide to lenders in their network. Providing your information on this website does not guarantee that you will be approved for a cash advance or loan.
What is the APR for a loan that I may get from a lender when matched on this site? First off, it's important to understand what an APR is. APR, or (Annual Percentage Rate) is a term that is meant to represent the interest rate and fees of a loan for an entire year. With Installment loan products that have terms of a year or longer, this is an appropriate form of comparison. If you are matched with a shorter term loan such as a Payday loan, most likely that loan that you are likely to be offered is intended to be a short-term loan that is repaid in a matter of weeks, not years, so using an APR to represent the fees is not only inaccurate, but can be misleading. However, since APR is a commonly used way of expressing the fees of other common loans, such as mortgage loans, auto loans, and other types of personal loans, it can be useful for you to know what the representative APR ranges could be for a short-term loan that you may receive as well. Each lender is required to provide you, the consumer, with all costs associated to be expressed as an annual percentage rate of interest (APR). This information will include the identity of the creditor, the amount financed, the itemization of amount financed, the finance charge, the annual percentage rate, your payment schedule, and your total number of payments. You will be able to review all this information BEFORE you obligate yourself to any loan. Your interest rate will vary depending upon which product you select from which lender. Since this site is a lending matching network and not the actual lender, we aren't able to accurately represent the exact APR that your lender may offer; however, we have listed the typical representative APR ranges for both installment loans and payday loans for a general representative basis. The APR range for installment loans is anywhere from 6.59% up to 39.99% APR for most installment loan products offered through the lending partners on this site. The APR range for Payday loans is somewhere between 261% and 1404% for a 14 day loan from the Payday lending partners on this site. It is important that you review your specific loan terms that you are offered from your lender before you obligate yourself to the terms as these terms and fees vary widely between what lender you are matched with, and what product you ultimately select. With this in mind, you should always pay your loan back on time to avoid additional fees and penalties. In addition, the Federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of color, race, religion, sex, marital status, and age.
What happens if I'm late paying back the loan? If you are matched with a lender and accept the terms and conditions of their loan offer, you are agreeing to pay that loan back in the amount of time expressed in the loan documents. Partial payment, non-payment, or late payment is likely to result in additional fees. If you refuse to repay the loan all together, it is likely that the lender will engage a collection company to try and recoup what you owe them (just like any lender would). Please don't agree to any loan that you cannot repay. Renewal policies are different for every lender. As a convenience to you, some lenders may agree to alternative payment options. Some of these options may result in a renewed or "roll-over" loan that may have additional fees and may renew automatically unless you request otherwise. Please make sure to review your lender's renewal policies, and make sure that your payment preferences are known to your lender. If you have questions or need more information on renewal policies, please contact the lender directly and they will be happy to provide you that information. While most lenders in this site’s network do not run a traditional credit check, it is important for us to let you know that in some cases credit checks, consumer credit reports and other personal data may be obtained by some lenders from Experian, Equifax, Trans Union or through alternative providers in order to make a decision on whether or not to offer you a loan. It is also important to mention that if you do not repay your loan on time your delinquency may be reported to a credit bureau, which could negatively impact your credit score. As with any loan, it's important to repay the loan on time or contact the lender to work out a payment plan just as soon as possible.
The operator of Winship Lending is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Please borrow responsibly!
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