Rates and Fees

At Easy Loan Finiancials, our service is completely free of charge. We do not provide loans, and we do not charge you any fees for connecting you with potential lenders. As we are not a lender, we have no influence over the rates, fees, or terms you may be offered by a lender.

Loan terms—including interest rates, APR (Annual Percentage Rates), and fees—are determined solely by the lender and may vary depending on factors such as your state of residence and credit profile.

Once you are connected with a lender and your loan is approved, the lender is required by the Truth in Lending Act (TILA) to present all rates and fees associated with your loan before you accept the terms. If you agree to those terms, you’ll be directed to an e-signature page to finalize the process.

Important Disclosures

Implications of Non-Payment

Failure to repay your loan on time may result in additional fees, negative impact on your credit score, or collection activity. Some lenders may automatically renew or “roll over” your loan for an additional term, adding more fees equivalent to those from your original loan. Renewal fees and terms vary by lender.

We strongly encourage responsible borrowing and only work with lenders that adhere to ethical and legal collection practices as guided by state and federal laws.

Disclosure of Terms

Every lender is obligated to provide you with full disclosure of the loan’s terms before any agreement is made. This includes:

• Total loan amount

• Interest rate or APR

• Repayment schedule

• Applicable fees and penalties

You should carefully review all loan terms before agreeing to proceed. If you are not satisfied with the offer, you are under no obligation to continue.

Please note: Easy Loan Finiancials is not responsible for the terms or conditions offered by any lender. We are a connection service and do not have access to, or knowledge of, the final loan terms.

Implications of Late Payments

Each lender in our network has its own policy regarding late payments. You will be informed of these policies before signing any loan agreement. Late payment penalties may vary based on lender and state regulations. Ensure you fully understand the late payment implications outlined by the lender.Loan Renewal Policy

In some cases, lenders may offer an option to extend or renew your loan. Be aware that doing so may result in additional interest charges or late fees, significantly increasing the total cost of your loan. Renewal policies vary by state and lender, and are governed by state laws and regulations.