Disclosures & Lending Information

APR Range: 5.99% to 35.99%

The Annual Percentage Rate (APR) is the annual cost of your loan, including interest and fees, expressed as a percentage. The actual APR offered to you will depend on:

• Your credit history and credit score
• The requested loan amount
• The loan term length
• Your income and employment status
• State law requirements

The lowest rates are typically offered to consumers with excellent credit who qualify for the largest loans with the longest terms.

Example Loan: $2,500 for 24 months at 19.9% APR

This is a representative example only. Your actual loan terms will vary based on your qualifications and the lender's offerings.

Lenders may charge the following fees:

• Origination Fee: 0% to 8% of loan amount (where permitted by law)
• Late Payment Fee: Up to $25 or 5% of scheduled payment
• Returned Payment Fee: Up to $30
• Early Repayment: NO prepayment penalty - you can pay off your loan early without extra fees

Not all lenders charge all fees. Review your loan agreement carefully for specific fee information.

Soft Credit Pull: When you submit an application, lenders may perform a soft credit inquiry that does NOT affect your credit score.

Hard Credit Pull: If you accept a loan offer, lenders will perform a hard credit inquiry that MAY affect your credit score and remain on your credit report for up to 2 years.

Reporting: Most lenders report payment history to credit bureaus. On-time payments can help build your credit, while late or missed payments can negatively impact your credit score.

Loan terms and availability vary by state. Some states have specific regulations:

• California: Loans made pursuant to a California Financing Law license.
• Ohio: Loans made by third-party lenders subject to Ohio laws.
• Texas: Loans made by third-party lenders subject to Texas laws.
• Florida: Loans made by third-party lenders licensed under Florida law.

Not all lenders operate in all states. Please check with individual lenders for state-specific availability and terms.

If you fail to repay your loan according to its terms, lenders may:

• Report your delinquency to credit bureaus, which may negatively impact your credit score
• Charge late fees and interest on past-due amounts
• Transfer your account to a collection agency
• Take legal action to recover the amount owed (where permitted by law)

Lenders are required to follow fair debt collection practices as outlined in the Fair Debt Collection Practices Act (FDCPA).

All participating lenders comply with the Equal Credit Opportunity Act (ECOA) and fair lending laws:

• Equal Credit Opportunity Act (ECOA)
• Fair Credit Reporting Act (FCRA)
• Truth in Lending Act (TILA)
• Fair Debt Collection Practices Act (FDCPA)

Credit decisions are based on creditworthiness and other factors, without regard to race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.