Rates and Fees
LoanPersona.com does not charge consumers for using our website. Any loan rates, fees, or repayment terms are determined solely by the lender that provides the loan.
Service Cost
Accessing LoanPersona.com and submitting a request to be connected with a lender is free. LoanPersona.com is not a lender and does not make credit decisions or determine loan terms.
Reviewing Loan Offers
If a lender presents an offer, review the Truth in Lending Act disclosure or other loan documents carefully. These documents include the Annual Percentage Rate (APR), finance charges, repayment schedule, and the total amount you will pay if you accept the loan.
Key Items to Confirm
| APR | The yearly cost of the loan, including fees, expressed as a percentage. |
|---|---|
| Finance Charges | The dollar amount the credit will cost you over the life of the loan. |
| Repayment Terms | The number of payments, payment amounts, and payment schedule. |
| Total of Payments | The total amount you will pay if you make all payments as agreed. |
State Considerations
Loan availability, maximum loan amounts, and permissible rates can vary by state. Some lenders may not offer loans in all states. Consumers should review state-specific disclosures provided by the lender.
Additional Fees and Policies
Late fees, renewal policies, and non-payment consequences are determined by each lender and are disclosed in the loan agreement. Always review these terms carefully before accepting an offer.