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Terms & Conditions

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Consumer Notice: Although LoanPepper.com does not charge any fees for its services, it's important to note that personal loans are designed for providing temporary financial assistance and should not be considered as a long-term solution, therefore consumers struggling with debt and credit issues are advised to seek professional debt and credit advisory assistance.

Legal Disclaimer: The owners and operators of LoanPepper.com are not lenders or decision makers for short-term cash loans, but rather the website provides a loan matching service for personal loans to help borrowers find lenders. The use of this website and its services are subject to LoanPepper.com's Terms of Use and Privacy Policy, and it should not be construed as an offer or solicitation to lend. The operator of this website is not affiliated with any lender or endorse any specific product or service, but simply aims to inform users about potential lenders who may fulfill the needs of the consumer. Please be aware that some lenders may conduct credit checks as part of their lending process, and using our website or service is not mandatory for initiating contact or applying for a loan with any lender or service provider.

Exclusions: Certain short-term, small-dollar loans may not be available to residents of certain states and the eligibility criteria for such loans may vary by state, with residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia currently not eligible to use this website or service, and the list of states where our services are offered may be subject to change without prior notice.

APR Disclosure: In some states, there are laws that restrict the maximum Annual Percentage Rate (APR) that a lender can impose on you. However, if you obtain a loan from a state where such laws do not exist or from a non-state governed bank, the APR may be even higher. The APR represents the interest rate at which your loan will accrue and is determined by factors such as the loan amount, cost, and term, as well as repayment amounts and timing of payments. Prior to finalizing a loan agreement, lenders are obligated by law to disclose the APR and other loan terms to you. The APRs for cash advance loans range from 200% to 1386%, for installment loans range from 6.63% to 485%, and for personal loans range from 4.99% to 450%, but these rates can vary from one lender to another. Note that APR rates may change over time.

LoanPepper.com provides a loan matching service for consumers, which is free but supported by advertisers, including lenders and lender networks who compensate us if you are offered a loan through our service after they review your information. Although we use a "ping-tree" model to connect you with lenders, the decision is based on multiple factors, including the amount paid by the lender or intermediary third-party lender network. Therefore, it's important to carefully review all loan options available and not assume that the offer received through our service is the best option. Additionally, we may receive compensation from other advertisers in various ways.

Credit Implications: Credit decisions or credit inquiries are not made by the operator of this website; however, independent lenders that the user may be connected with might check credit worthiness, credit standing, and/or credit capacity through alternative providers or credit reporting bureaus. By submitting personal information, users agree to the credit check. Short-term loans provided by independent lenders are intended to be repaid within a short amount of time and may incur additional fees or collection activities in case of late payment or nonpayment; therefore, it is advised to borrow only what can be repaid on the next pay period and to seek professional advice regarding financial needs and alternatives to short-term loans. Each lender has its own terms, conditions, and renewal policy, and the policies should be reviewed by the user.

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