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What is the APR I can expect for a loan I may get from Uncomplicated.Loan?
Uncomplicated.Loan is not a lender and does not provide short-term loans, but connects consumers who need these loans to lenders who provide them. Because Uncomplicated.Loan does not provide consumers with loans directly, it is very difficult for us to provide you with an exact Annual Percentage Rate (APR) that you might expect to pay on a short-term loan. APR is meant to characterize both the interest rate and the fees associated with a loan for an entire year. The loan that you are likely to be connected with from our site will be a short-term loan that should be repaid in a matter of weeks, so using an APR to describe the cost of the loan may seem misleading. That said, since APR is a well recognized standard for describing the cost of other types of loans, like mortgages, credit cards, or auto loans, we want to provide an APR for you to study that may help guide your assessment on whether a loan offered to you is the right fit. The APR may vary considerably between different loans and different consumers, and since Uncomplicated.Loan is not a lender we can only provide a range of possible APR's that our consumers might see from our lenders. The typical fees charged by a lender in our network for a $100 loan with a 14 day term range from $15 to $35. These fees translate to an APR range of 200% to 2,500% for a 14 day loan, depending on how the APR is calculated (nominal vs. effective) during the duration of the loan, what loan fees are incurred, late payment fees, loan renewal actions, along with other factors. Please keep in mind that the APR is not your finance charge, which will be disclosed later on by the lender.

If I accept a loan from a lender in your network, when can I expect to receive my funds?
One of the benefits of a short-term loan is that you can have your cash fast. Since we work with numerous lenders we can't say specifically the time it takes to process a loan and transfer or ACH the funds to a customer account as it varies from lender to lender. Typically, the whole process should be complete and you will have your funds as soon as the next business day after you have been approved.

Can a short-term loan affect my credit?
Most lenders in the Uncomplicated.Loan network typically do not consider your credit from Experian, Equifax, or Trans Union when determining if they will extend a loan offer to you. However, some lenders may use consumer credit reports or other personal information from alternative providers in order to make assess whether to extend a loan offer to you. If you do not repay your loan on time, your delinquent payment may be reported to a credit bureau, which could negatively impact your credit score. It is very important with short-term loans, as with any loan, that you repay the loan on time or contact the lender to agree on a modified repayment plan, if they offer one.

What happens if I don't pay back the loan on time?
If we are successful in connecting you with a lender, you accept their terms and conditions of the loan offer, and accept the loan, then you are agreeing to pay back the loan in the amount of time stated in your loan documents. If you partially repay the loan or do not pay off the loan at that time, this will likely result in additional fees. If you refuse to pay the loan then it is likely the lender will use a collections company to try and obtain payment of what you owe, just as any other lender for another type of loan product would. We encourage you not to take any loan that you cannot repay. Each lender's renewal policies are different, and as a courtesy to their borrowers some may agree to alternative repayment plans. These options might include a "roll-over" of the loan that may incur additional fees and may renew automatically unless you specifically request otherwise. Please take the time to read the lender's renewal policies, as well as the other terms and conditions they provide to you before accepting a loan offer. It is your responsibility to relay your repayment preferences to the lender prior to your acceptance of a loan offer. If you have any questions or need more information about the terms of a loan don't hesitate to contact the lender and they will be happy to provide you with answers to your questions.

Can I renew a loan if I can't pay it back on time?
Most loan renewal policies are governed by state laws and regulations. If it is offered by the lender, any loan renewal options will be presented to you by the lender before you accepting a loan. The loans offered by lenders in the Uncomplicated.Loan network are designed to be short-term solutions to your financial difficulties. You should only take a loan you expect to be able to pay back in full and on time or you may incur late fees or other charges. If you do not believe you will be able to pay the loan back on time you should consider other alternatives before choosing a short-term loan.

What are the collection practices if I don't pay back the loan?
Uncomplicated.Loan is not a lender and does not perform any debt collection. The debt collection practices for the lender offering your loan will be disclosed in your loan documents. If you do not understand or have any questions about the collection practices used by a specific lender you should raise your concerns with the lender directly. Uncomplicated.Loan has made reasonable efforts to only work with well recognized and trustworthy lenders who employ fair handling in their collections practices for past due accounts.
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Consumer Notice: Payday loans or cash advances are made for the purpose of assisting consumers with short-term financing to resolve immediate cash needs and should not be considered a long-term solution. Submitting a loan request on this website does not guarantee that you will be connected with an independent lender or approved for a loan or cash advance. Loan terms, including loan amounts and transfer times for loans, vary among lenders and may be dependent upon the laws of the state in which you reside. If you are connected with a lender on our website, you may be directed to a third party website whose privacy practices and terms of use may significantly differ from our own. You are encouraged to read your lender’s privacy practices and terms of use. Consumers facing financial debt difficulties should seek advice from the appropriate professional before entering into any type of loan. You are encouraged to contact your lender directly for more information.
Legal Disclaimer: Uncomplicated.Loan is not a lender, does not broker loans, and does not make credit decisions. Our website offers an infomediary service that will attempt to connect you with independent, third party lenders and financial service providers who may secure a loan for you. The operator of this website is not a lender, nor a broker, agent or representative to any lender and does not make cash advances or credit decisions. Advertising on or through this website does not constitute an offer or solicitation to lend money to you. Financial terms of any loan should be disclosed to you by the lender. Typically, lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders. For information and questions regarding your cash advance or payday loan and credit checks, please contact your lender directly. The operator of this website is a marketer who is compensated for their services as described in our marketing disclosure and does not endorse or recommend any lender on or through this site.
Availability: Residents of some states may not qualify for short-term loans provided by the lenders and third-parties they are connected with on this website. Our website makes no warranties, guarantees, or representations that you will qualify for any third-party services by using our website. The services provided on this website are void where prohibited. Our website is not intended for use by citizens of the European Union and we specifically exclude those citizens, wherever located.