Rates & Fees

The services of fixedpersonalloans.com services are absolutely free. The rates and fees that apply to a loan are predetermined by your lender. fixedpersonalloans.com is not itself a direct lender nor does it provide loan services directly to consumers. The information you submit is used by fixedpersonalloans.com in order to connect you with a loan provider quickly and conveniently.

Late Payment Policy
Different loan providers are likely to have different policies concerning late payment. Take time to fully reviewing the late payment policy as it is detailed in the loan agreement before you sign. All lenders are compelled to abide by all applicable laws, rules, and regulations regarding the fees charged for late payment.

Non-payment Policy
Further charges or fees may apply to your loan if you find you are unable to repay it on time. fixedpersonalloans.com strives to operate only with trustworthy lenders that use lawful, fair and reasonable methods to pursue the collection of overdue repayment.

Loan Renewal Policy
State law predominantly governs the policies concerning loan renewal. In those states where the law allows for loan renewals, additional interest and late fees can lead to a substantial increase in your final loan amount and renewals should be avoided whenever possible. Read the terms of the loan provider that relate to renewal options before you sign the loan agreement.

* Important note, this information serves solely for informational purposes and is not intended to be seen as legal advice, therefore may not be correct at all times. If you do have questions about laws or regulations as they apply to you, direct these questions to your lender directly or seek proper legal advice. Some states have no lending statutory provisions in pace that pertain to personal loans.

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Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. fixedpersonalloans.com is not a lender or lending partner and does not make loan or credit decisions. fixedpersonalloans.com connects interested persons with a lender or lending partner from a network of approved lenders and lending partners. fixedpersonalloans.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. fixedpersonalloans.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, fixedpersonalloans.com's service is always free to you

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where fixedpersonalloans.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing fixedpersonalloans.com and/or lenders and lending partners in its network or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize fixedpersonalloans.com to share your information and credit history with a network of approved lenders and lending partners.

Lender's or Lending Partner's Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender's or lending partner's internal policies, underwriting criteria and applicable law. fixedpersonalloans.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.