Rates & Fees

Best Installment Loans For Bad Credit (Googlecashadvance.com) is working hard to supply the documents, articles, links and other resources that will provide you with everything you need to have a positive experience when you use our service and get a loan from the lenders in our network. Some of the information we provide includes step-by-step guides to obtain payday loans, general information about the rates and fees you may be charged and the most responsible ways to use short term loans. We also provide the links to the Federal Trade Commission (https://www.ftc.gov/) and the Consumer Financial Protection Bureau (http://www.consumerfinance.gov/) for your convenience. These two government agencies are responsible for creating and enforcing the laws and acts that govern short term lending and protect consumers from the cases of unfair lending practices and discrimination.

The rates and fees associated with short term loans share many similarities industry-wide, but your lender will ultimately determine the amount you are charged in accordance with the regulations in your state and lender’s internal policies. It is our goal here at googlecashadvance.com to ensure that the lenders in our network adhere to all federal laws and state regulations that apply to short term loans and other credit products. We also strive to provide you with plenty of information about these credit products so that you can make informed credit decisions.

Please, take into consideration that googlecashadvance.com is a referral program, which provides you with the access to loan products from our wide network of independent third party lenders. For this reason all the questions, issues, concerns and details regarding loan fees, rates, late payment and non-payment penalties and fees, charge calculations, APR and other liabilities associated with your particular loan deal should be addressed directly to your lender. Keep in mind that all the necessary information concerning rates and fees is transparently disclosed in your loan agreement.

Late Payment Policy

Each lender in our independent third party network has own late payment policies, so in order to get the details regarding possible penalties, rescheduling terms, additional fees and other options, you should contact your lender directly and refer to your loan agreement, which clearly states these terms and explains your options.

Non-Payment Policy

Each lender in our independent third party network has own policies regarding delinquent loan deals, so in order to get the details regarding possible penalties, rescheduling terms, renewal options, additional fees and other options, you should contact your lender directly and refer to your loan agreement, which clearly states these terms and explains your options. googlecashadvance.com on its part opts to cooperate with legitimate lenders who adhere in their practices to federal and state regulations and follow Fair Debt Collection Act rules and the Best Practices to promote fair lending.

State Regulations

In order to protect consumers from unfair lending practices, many states have implemented their own regulations in addition to federal laws. Individual states may govern the terms including but not limited to the maximum allowable loan amount, the charges that lenders are able to apply to loans, the number of rollovers (renewals) and term specifications that are available, the late fees that may be applied and the number of loans that consumer can have outstanding at a time. Follow these links to (http://www.paydayloaninfo.org/state-information) and (http://www.ncsl.org/research/financial-services-and-commerce/payday-lending-state-statutes.aspx) to get all the necessary information regarding the regulations in your state. Please check back before applying, as these regulations are subject to change at any time.

The states in which short term cash loans are prohibited including but not limited to Arkansas, New York, Vermont and West Virginia. This list is not exhaustive and subject to changes at any time without prior notice. Please, check the official websites to follow the changes in state regulations regarding short term lending.