Lending Policy

LOAN RATES AND FEES: You will not be charged any fees to use 90dayloans.com’s service. Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and/or lending partners and does not make loans of any kind, or credit decisions. This website does not constitute an offer or solicitation to lend. The operator of this website is not an agent, representative, or broker of any lender, lending partner, or loan source and does not endorse or charge you for any service or product, but may receive compensation from a lender, lending partner/and or loan source for forwarding your information to them. 90dayloans.com does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

Repayment: Repayment of personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's or lending partner’s terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.

Personal Loan Costs: On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender or lending partner, and the requester's repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.

Standard Personal Loan Terms: While specific terms of personal loans will vary depending on your state, your lender or lending partner and your specific circumstances, below is a general range of common terms.

  • Loan amount: $1,000 - $5,000
  • Lending period: 90 days - 36 months
  • Payment frequency: Once a month or twice a month
  • APR: Will vary based on your credit score, repayment history and other factors

Prepayment penalty: Varies by Lender. A borrower’s actual rate depends on each lender’s eligibility criteria which includes factors such as credit score, loan amount, loan term, and credit usage and history. All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. The origination fee charged by the lenders or loan sources within our connections range varies by loan source or lender. Currently, none of the lenders or loan sources within our connections require a down payment.

In some cases, you may be given the option of obtaining a loan from a tribal lender and/or lending partner. Tribal lenders and/or lending partners are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender and/or lending partner, please understand that the rates and fees may be higher than state-licensed lenders and/or lending partners and you may be required to agree to resolve any disputes in a tribal jurisdiction. Additionally, your information may be going to an aggregator and not a lender and/or lending partner. Your information can be sold multiple times leading to multiple offers from lenders and/or lending partners, and other marketers. Lenders and/or lending partners who buy your information may supplement it with additional information about you that they obtain from other sources. Not all lenders and/or lending partners can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan. 90dayloans.com provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. 90dayloans.com’s purpose is to inform users of possible loan sources who may be able to satisfy the needs of a particular consumer. You are under no obligation to use 90dayloans.com’s service to initiate contact, nor request credit or any loan product, with any service provider or lender. Generally speaking, some service providers or lenders may (depending on the loan program you desire to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers, such as Teletrack or DP Bureau, will not impact your credit score with Experian, Equifax, or Trans Union, and may be obtained by some service providers or lenders in certain circumstances. ACH or Wire transfer times may vary by lenders and/or lending partners, local laws, and your banking institution. In some circumstances faxing may be required. For details, questions or concerns regarding your loan, please contact your lender and/or lending partner directly. Lenders and/or lending partners are solely responsible to you for all aspects of any loan request or loan transaction, including compliance with all applicable laws and regulations relating to your loan request form and any agreement or disclosures relating to your loan request form or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures). Residents of Connecticut, New Hampshire, New York, Washington, and Vermont are not eligible to submit a request for a loan on this Website. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Short-term loans can be an expensive form of credit and not a long-term financial solution. Please use short-term loans responsibly. If you have additional questions concerning this you may contact us.