Rates and Fees

PaydayLoansSanBernardino.com is not a lender and does not make credit decisions, approve loan requests, determine loan amounts, set rates or fees, or fund loans. We provide a connecting service that allows consumers to submit a loan request for consideration by lenders or lending partners in our network.

Rates, Fees, and Loan Terms

Rates, fees, annual percentage rates, repayment schedules, loan amounts, and other terms are determined by the lender. These details may vary based on applicable laws, the lender’s policies, and the consumer’s individual circumstances.

Submitting a loan request does not guarantee approval or require you to accept an offer. If a lender decides to make an offer, the lender should provide the applicable rates, fees, payment schedule, and other important terms before you accept the loan.

Reviewing a Loan Offer

Carefully review the lender’s full agreement before accepting an offer. Pay particular attention to the loan amount, annual percentage rate, finance charges, payment dates, late-payment fees, non-payment policies, renewal terms, and any potential effect on your credit history.

Only accept an offer when you understand the total cost of borrowing and reasonably expect to repay the loan according to the lender’s terms.

Late Payments and Non-Payment

Late or missed payments may result in additional fees, collection activity, and a negative impact on your credit score. The specific consequences depend on the lender and the loan agreement. Contact your lender promptly if you believe you may be unable to make a scheduled payment.

Renewals and Extensions

Renewal and extension policies vary by lender and may be restricted by applicable law. A renewal or extension may involve additional fees and increase the total cost of the loan. Review all updated terms before agreeing to extend or renew a loan.

Loan Availability

Loan availability, amounts, rates, fees, terms, approval decisions, documentation requirements, and funding times vary by lender and by state. The connecting service is not available to residents of Arkansas, New York, Vermont, or West Virginia.

Responsible Borrowing

Short-term loans can be expensive and are not intended as a long-term financial solution. Consider less costly alternatives, request only an amount you can reasonably repay, and review all lender disclosures before accepting an offer.

PaydayLoansSanBernardino.com is not responsible for the actions or inactions of any lender or lending partner. Questions about a specific loan offer, rate, fee, payment, or lender policy should be directed to the lender. Questions about the connecting service may be sent to [email protected].

The information on this page is provided for general informational purposes only and should not be considered legal or financial advice.