Rates & Fees
This site's service is always free. The rates and fees applicable to your loan will be set by your lender. This site is not a lender and does not provide lending services directly to consumers. This site quickly and conveniently connects you with a lender.
Full Disclosure of Terms
The Truth in Lending Act requires full disclosure of all loan fees and interest rates. Your lender should disclose all fees and rates to you before you accept your loan. If you accept the loan terms, most lenders will direct you to an e-signature page to complete the loan process. Please take the time to read your loan agreement before accepting and signing it.
Late Payment Policy
Lenders may have different policies regarding late payments. Review the late payment policy detailed in your loan agreement before signing. All lenders must abide by applicable laws, rules, and regulations regarding late payment fees.
Additional fees or charges may apply in the event that you are unable to repay your loan. This site tries to work with reputable lenders dedicated to using lawful, fair and reasonable means to pursue collections of overdue accounts.
Loan Renewal Policy
Loan renewal policies are largely governed by provincial law. In provinces where rollovers are allowed, additional interest and late fees can add substantial to your final loan amount, so these should be avoided whenever possible. Read the lender’s terms in considering renewal options before signing the loan agreement.
Please note that this list is for informational purposes only, is not intended to be legal advice, and may not be accurate or up to date at all times. If you have a specific question about laws or regulations applicable to you, please ask your lender directly or consult a legal adviser. Some provinces may not have any lending statutory provisions pertaining to personal loans.