The services provided by Click-loan.com are offered at no cost to users. It’s important to note that Click-loan.com functions solely as a facilitator and does not engage in direct lending activities. Instead, it leverages its network of lenders and lending partners to identify potential matches for consumers seeking loans based on the information provided.

Adhering to the requirements of the Truth in Lending Act, all applicable loan fees and interest rates that borrowers might incur are required to be fully disclosed. These details are typically conveyed to borrowers by the respective lender or lending partner upon approval. Following the lender or lending partner’s approval process, most individuals are directed to an e-signature page, which is presented by the lender or lending partner associated with the loan offer.

Full Disclosure of Terms

In the spirit of complete transparency, the lender or lending partner furnishes documents containing comprehensive information about the loan’s fees and rates that are being extended to the borrower. It’s of paramount importance for borrowers to meticulously review this fee and rate information before consenting to the terms of the loan. The decision to accept or decline these terms rests entirely with the borrower. Should the terms be acceptable, and the borrower opts to proceed with the loan, the e-signature process is initiated, and disbursement of funds follows.

The determination of loan fees and interest rates lies within the purview of the lender or lending partner, and these figures are contingent upon the information submitted by the borrower. It’s worth noting that Click-loan.com does not exert control over, nor possesses knowledge of, the specific loan particulars negotiated between the borrower and their respective lender or lending partner. In instances where the borrower deems a particular lender’s terms unsuitable, they retain the right to discontinue the request process without obligation.

Late Payment Policy

Lenders and lending partners have varying policies regarding late payments. Review the late payment policy detailed in the loan documents provided to you by your lender or lending partner before appending your e-signature, and thereby agreeing to the loan terms. All lenders and lending partners, however, must abide by applicable laws, rules, and regulations regarding late payment fees.

Non-payment Policy

Late payment policies exhibit variance among lenders and lending partners. It’s strongly recommended that borrowers thoroughly examine the late payment policy outlined in the loan documentation provided by their lender or lending partner before affixing their e-signature, thereby signifying agreement to the loan terms. While policies may differ, all lenders and lending partners are obligated to operate within the framework of applicable laws, regulations, and rules concerning late payment fees.

In situations where repayment becomes unfeasible, borrowers might be subject to additional fees or charges. Click-loan.com makes concerted efforts to collaborate exclusively with reputable lenders and lending partners who approach the collection of delinquent accounts with equitable and reasonable practices.

Loan Renewal Policy

The policies governing loan renewals are predominantly dictated by state-level regulatory statutes. In jurisdictions where loan rollovers or term extensions are permissible, it’s important to acknowledge that such actions can result in augmented interest rates and potential late fees, thereby impacting the overall cost of the loan.