WE GIVE LOANS – FEE
We Give Loans does not ever charge a fee to consumers for using our services.
DOWN PAYMENT – UP- FRONT MONIES
There are no down payment or up-front monies required from We Give Loans, LLC or any of the loan sources advertised on wegiveloans.com. We Give Loans does not recommend ever paying up-front fees to obtain a loan. We urge you to be very suspicious of any such arrangement. Only in the event that you actually receive a loan from a service provider, or lender, will you incur a fee or interest charge. That amount should be disclosed to you by your service provider or lender prior to you obligating yourself to a loan, so you should know your fee structure/APR before obligating yourself to a loan.
REPRESENTATIVE APR RANGE
We Give Loans, LLC and wegiveloans.com are not lenders and do not provide short-term loans; but pair consumers with lenders or loan sources who may provide such loans. We Give Loans is not able to provide you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved and accept the loan. APRs vary according to the information supplied by you in your loan request, and your loan source. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. The APRs (Annual Percentage Rates) for personal loans for bad credit on this website will vary from between 12.00 and 450.00%. For help with any We Give Loans related services, consumers may contact us.
Example 1 - Low range APR:
We estimate that the APRs offered through the loan sources displayed on this website range from 12.00% to 450.00%.
What does this mean for you? Let’s say you borrow $2,000 for 18 months and your payment was made semi-monthly. Your payment would be 60.84, Assuming, you kept the loan for the entire 18 months, at the end of the 18 months you would have paid back a total of $2,190.38. The APR for that loan would be 12.00%
These examples are based on a minimum 18 month loan term, regardless of early loan payoff.
Example 2 - Medium range APR:
We estimate that the APRs offered through the loan sources displayed on this website range from 12.00% to 450.00%.
What does this mean for you? Let’s say you borrow $2,000 from a different lender with terms not as favorable as the first example, for the same 18 months and your payment was made semi-monthly. Your payment would be 195.25, Assuming, you kept the loan for the entire 18 months, at the end of the 18 months you would have paid back a total of $7,029.16. The APR for that loan would be 225.00%
These examples are based on a minimum 18 month loan term, regardless of early loan payoff.
Example 3 - High range APR:
We estimate that the APRs offered through the loan sources displayed on this website range from 12.00% to 450.00%.
What does this mean for you? Let’s say you borrow $2,000 from yet a different lender with terms not as favorable as the either of the previous examples, for the same 18 months and your payment was made semi-monthly. Your payment would be 375.77, Assuming, you kept the loan for the entire 18 months, at the end of the 18 months you would have paid back a total of $13,527.82. The APR for that loan would be 450.00%
These examples are based on a minimum 18 month loan term, regardless of early loan payoff.
AVAILABILITY
Residents of some states may not be eligible for some, all, or none of the loan programs offered on this website. wegiveloans.com does not guarantee that completing an inquiry form will result in you being paired with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.
COLLECTION PRACTICES
We Give Loans is not a lender and We Give Loans does not engage in debt collection practices. Your lenders' collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We Give Loans makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair and legal conduct.
CREDIT SCORE IMPACT
We Give Loans does not make credit decisions, nor does We Give Loans conduct a credit inquiry on consumers. Some lenders or service providers within the We Give Loans network may (depending on the loan program you are wanting to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances, your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers such as Teletrack or DP Bureau, which will not impact your credit score with: Experian, Equifax, or Trans Union, may be obtained by some service providers or lenders in certain circumstances. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time, your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.
LEGAL DISCLAIMERThis website does not constitute an offer or solicitation to lend. We Give Loans, LLC and wegiveloans.com, collectively and individually, are not lenders, do not broker loans, and do not make loan or credit decisions. The operator of this website is not an agent, representative, or broker of any lender and does not endorse or charge you for any service or product. wegiveloans.com provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. wegiveloans.com’s purpose is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. wegiveloans.com does not endorse any particular service provider, lender, or loan product. You are under no obligation to use wegiveloans.com’s service to initiate contact, nor apply for credit or any loan product, with any service provider or lender. Greater clarity is provided within the disclosure for each loan type. Generally speaking, some service providers or lenders may (depending on the loan program you desire to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers, such as Teletrack or DP Bureau, will not impact your credit score with Experian, Equifax, or Trans Union, and may be obtained by some service providers or lenders in certain circumstances. You will
not be charged any fees to use wegiveloans.com’s service. If you have additional questions concerning this you may
contact us.
IMPLICATIONS OF NON-PAYMENT AND OTHER CONSIDERATIONS
We would like to remind you that We Give Loans is not a lender, and We Give Loans does not charge any fees for its services. Every lender or loan source in the wegiveloans.com network provides the consumer with specific terms, conditions, and practices prior to the consumer's acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.
IMPLICATIONS OF NON-PAYMENT, LATE PAYMENT, OR PARTIAL PAYMENT
When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full, or if you make a late payment. We Give Loans cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. We Give Loans has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We Give Loans does make an effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair, legal, and reasonable manner.
NY - This service is not available in New York or to New York borrowers due to interest rate limits under New York law.
Many of the loan offers that appear on this site are from companies from which We Give Loans LLC receives compensation. Many more of the loan sources that appear on this site are companies from which we receive no compensation.
The results of our “pairing process”, loan assessments, and reviews are based on objective quantitative and qualitative analysis of loan attributes. They are not affected by compensation.
Compensation may impact which loan sources we review and write about and how and where products appear on this site (including, for example, the order in which they appear).
While we try to feature as many loan offers on our site as we can maintain (3,700+ and counting!), we recognize that our site does not feature every loan company or loan product available on the market.
Additionally, our star ratings are a mix of user feedback and We Give Loan’s independent evaluation which are independent of compensation.
For Bad and So-So Credit
Bad Credit Loans - Fast
