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Articles | Offers | Legal

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APR Disclosure.
Annual Percentage Rate (APR) refers to the annual interest generated by a sum that is then charged to borrowers. APR is expressed as a percentage that represents the annual cost of borrowing over the term of the loan. This figure includes any fees or additional costs associated with the loan. The APR provides consumers with one bottom-line number they can compare with other loan offers, investment products, or financing options. LoanMessenger cannot guarantee any APR as we are not a lender ourselves. An APR can generally run between 5.99% and 35.99%. Loan products generally have a 61-day minimum repayment term and a 6-year maximum repayment term. When considering accepting a loan from a lender within the LoanMessenger network, please read any agreement documentation carefully as the APR and repayment terms may differ from what is listed on this site.
Representative examples of APR can be found in the Loan Information section of our homepage.

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Legal Disclaimer:
LoanMessenger.net connects borrowers with lenders or other lending partners, and therefore the specific terms and conditions of a particular lender or lending partner will apply to any loan a borrower takes out with that lender. We are compensated by these lenders or lending partners for connecting you with them, and this compensation could influence which offers are presented to you. Please be aware that any information regarding APR, loan amounts, interest rates, or other loan specifics should be seen as approximate estimations. The exact figures will depend on the lender or lending partner and your individual circumstances. Note that credit checks might be conducted by some lenders or lending partners as part of their credit transaction approval process. The lender or lending partner you connect with may not offer the best possible terms available to you, so borrowers should always compare all available options before making any decisions. In addition, you may be connected with a tribal lender. Tribal lenders’ rates and fees may be higher than those of state-licensed lenders and are subject to federal and tribal laws rather than state laws.


PLEASE NOTE THAT LOANMESSENGER.NET AND ITS OWNERS AND OPERATORS ARE NOT LENDERS.

 

We do not broker loans, make loans, or make credit decisions. Nothing on this website constitutes an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative, or broker of any lender or lending partner and does not endorse or charge you for any service or product.

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Material Disclosure:
The operator of this website is not a lender, loan broker, or agent for any lender or loan broker. We are an advertising referral service to qualified, participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for other loan products. Not all lenders can provide these amounts, and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law, and we do not predict or determine the interest rates and finance charges applied to any loan offered by lenders. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders solely for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR, which may vary based on your creditworthiness, state, and the lender or lending partner. For details, questions, or concerns regarding your loan, please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments, and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender; however, it is your responsibility to carefully review and accept the terms of any loan offer.

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Service Role and Limitations:
LoanMessenger acts solely as a referral service and is not a lender. We do not predict or determine the fees, interest rates, or other financial implications associated with any loans you may be offered by participating lenders. Our role is to connect you with our network of qualified lenders, and we do not participate in the decision-making process regarding loan approvals, terms, or conditions. It is important for users to understand that our service involves no predictive assessment or guarantee of the loan terms you may receive.

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Exclusions:
Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

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Credit Implications:
The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports—typically through alternative providers—to determine creditworthiness, credit standing, and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit to assess your creditworthiness, credit standing, and credit capacity. By engaging with our service and submitting your information, you consent to allow these credit checks by potential lenders. It is important to understand that missing a payment or making a late payment on a loan can negatively impact your credit score. Loans provided by independent, participating lenders in our network are designed to provide cash to be repaid within a short period. Short-term loans are not a solution for long-term debt and credit difficulties; only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks, and alternatives to short-term loans. Late payments on loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions—please review their policies for further information. Nonpayment of credit could result in collection activities. Please note that LoanMessenger is not a lender and does not engage in debt collection. The collection practices of each lender in our network are provided in their respective loan agreements. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

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LoanMessenger Disclaimer:
LoanMessenger is a trading name, with its principal office located at:

  340 S Lemon Ave #2677

  Walnut, CA 91789

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LoanMessenger is a referral service only and does not directly fund any credit product. Your request will be referred to a third-party lender who will contact you directly to determine if they can facilitate your requirements, as we do not directly fund any credit product. The third party will inform you of their fees, charges, and terms before you enter into any contract with them. We may receive a referral fee (amount not ascertainable) from the third party depending on the outcome of their dealings with you. It is recommended that you obtain independent legal and financial advice before taking up any products to which you may be referred or that are offered.

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