Disclosures

Not a lender

Loans Today is not a lender and does not make lending decisions. We connect your request with participating lenders and providers (“Providers”) that may review your information and present available options. Loans Today does not originate, fund, broker or service loans.

APR and loan terms

Applicants must be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi). Loan amounts offered through Loans Today range from $100 to $5,000. Repayment terms range from a minimum of 3 months to a maximum of 30 months, and no Provider may require repayment in full in 60 days or less. APRs range from a minimum of 5.49% to a maximum of 35.00%, depending on your profile, the amount requested, Provider criteria and applicable state requirements.

APR, or annual percentage rate, is the yearly cost of a loan, including interest and certain fees. It is the best single number for comparing offers.

Representative examples

• Lower APR: $2,000 repaid over 24 months at 5.49% APR has 24 monthly payments of $88.18, for a total of $2,116.38.
• Typical APR: $1,000 repaid over 12 months at 24.00% APR has 12 monthly payments of $94.56, for a total of $1,134.72.
• Maximum APR: $5,000 repaid over 30 months at 35.00% APR has 30 monthly payments of $252.36, for a total of $7,570.68.
• Shortest term: $500 repaid over 3 months at 35.00% APR has 3 monthly payments of $176.48, for a total of $529.45.

The examples assume a fixed APR, equal monthly payments made on time and no additional fees. They are illustrations, not offers.

Fees

Fees vary by Provider and may include origination or late fees. Some Providers do not charge prepayment penalties. Final fees are shown in the Provider’s loan agreement. Loans Today never charges you a fee.

Advertiser disclosure

We may receive compensation from participating Providers or marketing partners when a request is matched or an offer is accepted. Compensation may influence which Providers are displayed and their order, but it does not change the APR, fees or terms a Provider offers you. The Providers shown do not include every lender or loan product available. See How We Make Money.

Credit checks

Submitting a request through Loans Today does not affect your credit score. Providers may review your credit history as part of their decision, and a Provider may perform a hard credit inquiry if you continue with its offer. Any credit inquiry is performed by the Provider under its own terms and disclosures.

Late or missed payments

If you take a loan and pay late or miss a payment, the Provider may charge late or returned-payment fees under your loan agreement, pursue collection as permitted by law and report the payment to credit bureaus, which can lower your credit score. Renewing or refinancing a loan may add fees and interest. If you expect to miss a payment, contact your Provider before the due date.

Responsible borrowing

Loans offered through Loans Today are meant for near-term needs and are not a long-term financial solution. Borrow only what you can comfortably repay, compare the total cost and not just the monthly payment, and read the Provider’s agreement before you sign.

Availability

Providers are not available in all states, and amounts, rates and terms vary by state. Submitting a request does not guarantee approval, funding or a specific offer.

Questions

Email support@loansoffertoday.com. Questions about an active loan should go to your Provider.