Fees and Terms
QuickandEasyLoanService.com provides totally free service, but you should pay attention that we do not provide any financial assistance. All we do is matching the reliable loan lenders with the borrowers with the help of our website. A vast majority of lenders want to deal with borrowers using our service, as well as many borrowers are interested in getting the most convenient and quickest monetary help. As soon as you have completed the online application form, you are given access to all the variety of lenders.
All cases are regulated by the Truth in Lending Act. Before you sign the agreement with the lender, you should read all provided information attentively. If you have some misunderstandings, it is better to settle them with your loan lender before the agreement is signed up. Also, you can be asked to confirm the agreement with your e-mail signature. Pay attention to all details written in the agreement, because you will have to cover administrative spending in case you fail to fulfill all terms and conditions.
Rights and obligations
After the application form is fulfilled and a confirmation e-mail from the lender is received you will be provided by the sample of the agreement which you will have to sign. There are all terms, conditions, fees and charges determined. After this you have your own time to decide if these conditions are acceptable for you or not. In case you do not agree with some options, you may refuse to take a loan from this particular lender only before the agreement is confirmed. But if you put your e-mail signature you will have to complete all terms and conditions of the agreement. That is why it is necessary to read all information even that is given in small paragraphs. All conditions must be clear for you and should correspond to your planned budget.
All requirements presented on our website are set by the direct loan lenders. You should know that all your personal information provided in the application form influence the terms and conditions you are proposed to fulfill. Do not forget that you may always refuse from a loan in case you have not signed up the agreement yet. QuickandEasyLoanService has no deal with terms and conditions that are set by loan lenders. Our service is to provide necessary help to both sides: lenders and borrowers.v
Failure of repayment
If you miss the time when you must repay the loan, you will have to pay additional fee. You must know these requirements according to the repayment conditions, because they are set by the agreement you have signed up with the lender. The service of Quick and Easy Loan deals only with trustworthy lenders, so you are not supposed to have any technical problems. Pay attention that your bank account must be kept in order to prevent you from paying some extra fees.
Delay of the repayment
All possible variants of punishment for missing the repayment date are presented in the agreement you sign up with the lender. You may be charged additional fees or have your interest rate increased. So you must clearly understand all terms according to which you have to make payments. If there is a situation when you have already confirmed the agreement by sending email-signature and you want to cancel your decision, you must contact your loan lender. According to the agreement you will be supposed to cover all spending set in the agreement. However, all lenders have to fulfill the rules of a certain state.
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Material disclosure
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Material Disclosure. Company The Loan Team Inc operates the website quickandeasyloanservice.com. Quick and Easy Loan Service is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications. Quick and Easy Loan Service does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy. For any questions, feel free to contact us at [email protected].
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