Do you need good credit to get a personal loan

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Do you need good credit to get a personal loan

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies - Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full.

After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement.

Do you need good credit to get a personal loan

Your lender provides the APR, loan fees, and other terms. For help in understanding and using our services, consumers may refer to the Questions section or Contact Us. The APR on a short-term loan can vary greatly depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors.

Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable. See a See a Representative Example. Cash AdvanceĀ® has no control or knowledge of the loan details between you and your lender. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline.

Do you need good credit to get a personal loan