Rates and Fees

PaydayLoansChattanooga.com is not a lender and does not make credit decisions, approve loan requests, set loan terms, or fund loans. We provide an online connecting service that allows consumers to submit a loan request and access lenders or lending partners in our network.

Rates, Fees, and Loan Terms

We do not determine or control the interest rate, annual percentage rate (APR), fees, repayment schedule, loan amount, late-payment terms, or renewal policies associated with any loan offer. These details are established by the lender and may vary based on the lender, applicable state law, the type of loan, and your individual circumstances.

If a lender decides to offer you a loan, the lender should provide the applicable rates, fees, repayment terms, and other important conditions before you accept the offer. Review the lender's full terms and conditions carefully and make sure you understand the total cost of borrowing.

Before accepting a loan offer, pay particular attention to the interest rate and APR, all applicable fees and charges, payment amounts and due dates, late-payment and non-payment consequences, renewal or extension policies, potential collection activity, and possible effects on your credit score.

Short-term loans can be expensive financial products and should be used responsibly. Late or missed payments may result in additional fees, collection activity, and a negative impact on your credit score. Renewal policies vary by lender and may involve additional costs.

Approval and Funding

Submitting a loan request does not guarantee approval or funding. A lender or lending partner may review your information and decide whether to make an offer. Loan availability, amounts, rates, fees, terms, approval decisions, and funding times vary by lender and by state.

Some lenders may verify your credit or request additional information or documentation. Requirements vary by lender. Funding times may also depend on the lender, your bank, verification requirements, and other factors.

State Availability

Our connecting service is not available to users from Arkansas, New York, Vermont, or West Virginia. Loan products and terms are subject to lender requirements and applicable state laws.

Questions About Rates and Fees

Questions about a specific loan offer, including rates, fees, repayment terms, late-payment consequences, or renewal policies, should be directed to the lender that provided the offer. PaydayLoansChattanooga.com is not responsible for the actions or inactions of any lender or lending partner.

For questions about our connecting service, contact us at [email protected].

Important: Only accept a loan offer after reviewing and understanding the lender's full terms and conditions. The information provided here is for general informational purposes only and should not be considered legal or financial advice.