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Loan repayment terms differ by lender. Thus, it is important to check the loan agreement from your lender for information on the lender's repayment terms. IMPORTANT CUSTOMER INFORMATION. Personal loans differ from other types of loans, such as home mortgages or automobile loans. Specifically, personal loans allow you to spend your money in a number of different ways, whether it's to help pay off medical expenses, make home improvements, repairs to your vehicle or consolidate your debts.
A personal loan is paid back to the lender over a set period of time.
The APR on a short term loan can range from 200 to 2,290 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.
See a Representative Example. Borrow 200 for 14 days with a 30 to 60 lender fee. Your estimated APR is 391 to 782 Calculation: (lender fee loan amount) x (amount of days in a year duration of the loan) x 100 Low End of Range: (30 200) (365 days 14 days) x 100 391.
It appears that NetPDL with a website address of NetPDL. com may be illegally offering online payday loans to California consumers.
This company has been associated with the following website and telephone numbers: NetPDL. com; 1-888-203-0106. California consumers are advised that NetPDL and NetPDL.
com is not licensed by the Department of Business Oversight to engage in offering or originating consumer loans or payday loans. The Department of Business Oversight encourages consumers to verify unsecured personal loan interest per payment licensing status of companies prior to transacting business. California consumers should contact the Department of Business Oversight to check on the licensing of companies, investments or other financial services they are considering by visiting the financial services licensee listing or calling the Department's toll-free Consumer Services Office at 1-866-275-2677.
082313 - The Department of Business Oversight has issued a consumer bulletin on unlicensed online lending.