Rates and Fees

5Kadvance.com is free for consumers to use. Point One Networks Inc. does not charge you a fee to submit a request or to be connected with participating lenders, loan marketplaces, lead buyers, financial service providers, verification providers, marketing partners, or other service providers. Point One Networks Inc. is not a lender, creditor, loan originator, loan servicer, or agent of any lender. We do not make credit decisions, underwrite loans, fund loans, service loans, collect payments, set rates, set fees, or determine repayment terms. Any loan or financial product is offered solely by the applicable third-party lender or provider.

Rates, Fees, and APR

Point One Networks Inc. does not set or control APRs, interest rates, finance charges, fees, repayment schedules, renewal terms, late payment fees, funding timelines, or any other loan terms. If a lender or provider offers you a loan, that lender or provider is responsible for giving you the required disclosures before you enter into a loan agreement. These disclosures should explain the APR, finance charge, amount financed, payment schedule, total repayment amount, fees, due dates, and other important terms. The APR and total cost of credit may vary based on the lender or provider, loan amount, loan term, repayment schedule, state law, credit profile, income, bank information, verification results, and other factors. You should carefully review all loan documents before accepting any offer. Do not accept a loan unless you understand the cost and believe you can repay it.

No Obligation to Accept an Offer

Submitting a request through 5Kadvance.com does not guarantee approval, funding, or any particular rate, amount, term, or product. If you are connected with a lender or provider and receive an offer, you are not required to accept it. You only become obligated if you choose to proceed with the lender or provider and complete the applicable agreement, including any required electronic signature or authorization. If you do not understand or agree with the rates, fees, repayment terms, or other conditions, do not accept the offer.

Repayments

Repayment terms are determined by the applicable lender or provider and will be described in the loan agreement and required disclosures. Depending on the lender or provider, repayment may be made by electronic bank payment, debit card, check, money order, online payment, or another method. Some lenders may request authorization to withdraw payments from your bank account. Review any payment authorization carefully before agreeing. Point One Networks Inc. does not collect loan payments and cannot change your repayment schedule. For repayment questions, contact your lender or provider directly.

Late or Missed Payments

Each lender or provider has its own policies for late payments, missed payments, non-payment, renewals, refinancing, extensions, and collections. These policies should be explained in the lender's or provider's disclosures and loan agreement.

Late or missed payments may result in additional fees, interest, collection activity, returned payment fees, negative credit reporting, loss of access to future credit, or other consequences depending on the lender's terms and applicable law. If you believe you may have difficulty making a payment, contact your lender or provider as soon as possible.

Renewals, Extensions, and Refinancing

Renewal, rollover, extension, and refinancing options vary by lender, provider, product, and state law. Some products may not allow renewals or extensions. Others may involve additional interest, fees, or finance charges. Before accepting any loan, review whether renewal, rollover, extension, or refinancing is available, whether it is automatic or optional, and what additional costs may apply. Extending or refinancing a loan may increase the total amount you pay.

Responsible Borrowing

Short-term and small-dollar loans are not intended to solve long-term financial problems. You should only accept a loan if you understand the terms and believe you can repay it when due.

Before accepting a loan, consider:

• the APR and finance charge;
• the total repayment amount;
• payment dates and payment amounts;
• fees for late or missed payments;
• renewal, rollover, extension, or refinancing costs;
• whether repayment will leave you able to cover essential expenses; and
• whether lower-cost alternatives or independent financial advice may be appropriate.

Use of this Website is subject to our Terms and Conditions, Privacy Policy, E-Consent, and other disclosures presented to you.

Form Consent

By clicking "Submit & Agree," I confirm that I have read and agree to the Terms and Conditions, Privacy Policy, E-Consent, and other disclosures presented to me, including the mandatory arbitration and class action waiver provisions. I provide express written authorization under the Fair Credit Reporting Act for Point One Networks Inc. and participating providers to obtain my credit report from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity for the purposes of verifying my identity, identifying products and/or services I may qualify for and to determine my current debt-to-income ratio. I agree to receive marketing calls and text messages from participating providers, and marketing partners at the number I provided, including through automated technology and artificial or prerecorded voice, even if my number is on a Do-Not-Call list. Message and data rates may apply. Consent is not required to purchase goods or services. Opt out by emailing [email protected].

Important Disclosures

Material Disclosure

The operator of this Website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. Where prohibited, this service and offer are void. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this Website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. For additional information on issues such as late payment implications and credit please review our FAQs. These disclosures should not be considered legal advice, and are provided to you for information purposes only. The usage of this service is subject to this site's Terms of Use and Privacy Policy.

APR Disclosure

The Annual Percentage Rate (APR) is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. APR range for lenders in our network can generally range from 5.99% to 35.89%, with loan terms from 61 days to 96 months. Your actual rate will depend upon your credit score, loan amount, loan term, and credit usage and history. Some states have laws limiting the APR that a lender can charge you. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Exclusions

Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this Website or service. The states serviced by this Website may change from time to time, without notice.

Credit Implications

The operator of this Website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within an agreed amount of time. Short-term loans are not a solution for long-term debt and credit difficulties and you should only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Non-payment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender's renewal policy and terms prior to proceeding.