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Frequently Asked Questions

Important Information & Frequently Asked Questions

Personal loans offer flexibility that other types of loans such as car loans and mortgage loans do not offer, since it can be used for a variety of reasons. Personal loans are repaid over a fixed period of time and often times carry a fixed interest rate. Once approved by a lender, you will receive your loan amount up front, and be required to pay the money back with interest in regular monthly payments to your lender.
FastLoanDirect services are provided free of charge to you. However, the lender you are connected with will typically charge you applicable fees and/or interest depending on the lender and the loan agreement. No matter the case, before you sign any loan agreement, the lender must provide you with full disclosure of the terms of the loan agreement so you can make the decision that is right for you. Please note that it is important to read through the terms of the agreement prior to signing.

The Annual Percentage Rate (APR) is the annual rate charged for borrowing and is expressed as a percentage that represents the actual yearly cost of funds over the term of the loan. As loans can vary in terms of interest-rate structure, transaction fees, late penalties and other factors, a standardized computation such as the APR provides borrowers with a bottom-line number they can easily compare to rates charged by other lenders. Because FastLoanDirect does not provide loans itself, it is important to contact the lender you are connected with directly to obtain the specific details of your loan agreement.

The personal loans offered by lenders in our network have a 91-day minimum repayment and a 72-month maximum repayment term. Each lender has to explicitly describe the loan on the loan agreement, therefore we advise that before accepting any loan, you read the loan agreement , especially the parts that contain detailed information about APR and repayment terms.

Every lender has different late payment penalties and policies. Generally speaking, if you are late on a payment, a lender may charge you with a late penalty. Thus, it is important to set yourself a reminder so that issues of late payment or non-payment do not occur. Because non-payment and late payment penalties differ by lender, please contact the lender you are connected with directly if you have any concerns or issues repaying your loan.

Get a Loan Today for a Better Tomorrow

We commit to connecting you with an approved lender. We also made the process simple. No need to visit hundreds of websites and fill out numerous paperwork.We recognize a personal loan is a private matter. Reasons for needing money range from critical automobile maintenance, unexpected medical expenses, much needed family vacation, basic home improvements, etc.

APR Disclosures & Repayment Terms

Annual Percentage Rate (APR) measures the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value the consumer receives to the amount and timing of payments made. MotiveLoan cannot promise a specific APR. Our lending partners set the APR on loans and repayment terms. since we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99%. Loan products generally have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, Read the terms of your loan carefully before accepting and signing a loan contract.

 
Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment Cost $29.82 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.74 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12 $3,136.80
Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment Cost $29.82 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.74 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12 $3,136.80

Financial Implications (Interest & Finance Charges)

Fastusloans.com is not a lender, and we cannot predict what fees and interest rates will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. You are responsible for perusing the loan agreement carefully and accepting the offer only if you agree to all the terms. Fastusloans.com service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe, according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as Fastusloans.com is not involved in the lending process, we cannot supply any information on the fees you will incur if any disruptions occur. For more information, please contact the lender directly if you have any issues related to your loan repayment.

Potential Impact to Credit Score

Fastusloans.com is not a lender, and we do not check your credit standing and credit capacity. When you submit a request on our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. They will most likely turn to one of the three major credit bureaus: Transunion, Experian, or Equifax. When the lender inquires about your credit via these platforms, that inquiry will be considered a hard inquiry, affecting your credit score.

Collection Practices

Fastusloans.com is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the loan collection, please address them with your lender. 

Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully read and understand the renewal policy presented in the agreement before you sign the documents.