Disclaimer Short-term loans are short-term credit products that are meant to be used for only a limited time and can quickly become expensive if misused. The owner and operator of LoansGeneral.com is not a lender and does not participate in making credit decisions or loan offers related to lending. Instead, the website is designed only for a matching service, which allows users contact with the lenders and third parties. The site does not charge any fees for its service, nor does it demand that customers contact any of the lenders or third parties. This website is intended to provide consumers with information about short-term loan products and the market only. LoansGeneral.com does not endorse or take responsibility for the actions or inactions of any lenders. LoansGeneral.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. In some states, short-term loans are not accessible. Not all of the lenders in the network can offer loans up to $1,000. LoansGeneral.com is not responsible for ensuring that any user of the website is accepted by a lender or for any loan product, that he or she is matched with a lender, or that he or she receives a short-term loan offer on the terms requested in the online form. The lenders may need to run a credit check on you through one or more credit bureaus, such as major credit bureaus, in order to assess your creditworthiness and the range of financial products available. Lenders in the network may need to do further checks, such as a social security number, driver’s license number, national identification card or other forms of identification. Arrangements of loan programs vary somewhat from lender to lender, and may be influenced by a variety of elements, including but not limited to the applicant’s state of residence and credit rating, as well as each lender’s own terms. APR Representative The APR (Annual Percentage Rate) is the interest rate for the loan’s yearly term. LoansGeneral.com cannot provide an exact APR charged for any loan product offered by lenders since LoansGeneral.com is not a lender and does not have knowledge of the terms and other information relating to short-term loan products accessible from lenders individually. APRs vary considerably from lender to lender, state to state, and are determined by a variety of criteria, such as an applicant’s credit score. Lenders may impose additional costs associated with the loan offer, such as origination fees, late payments, non-payment penalties, and other charges. Non-financial actions such as late payment reporting and debt collection actions are also possible. LoansGeneral.com has nothing to do with any of these financial companies. LoansGeneral.com is not involved in any of these financial or non-financial activities and has no knowledge on what the lenders can do as a result of them. Any and all financial and non-financial charges and procedures must be clearly and fully disclosed in any given loan agreement. The annual rate is the APR, which is not a monetary fee for a short-term product. Late Payment Implications If you have not paid your loan in time, it is strongly suggested that you contact the lender. Late payment costs and penalties are most likely in this situation. Late payment rules apply to the situations of delay and may be different from one case to another. The information about the processes and costs involved with late payments is included in the loan agreement, which should be examined before signing any related document. Non-payment Implications In the instance of non-payment or missed payments, punitive measures could be inferred. In the loan agreement, fees and other financial penalties for late payment should be disclosed. Any additional actions related to non-payment, such as renewals, may be inferred from consent. Each loan agreement must contain the renewal terms individually. There may be additional costs involved in renewing your policy.