ADVERTISING DISCLAIMER: The Operator of this website is not a lender and cannot guarantee you will be approved for a loan. This website offers a free service that will match the information you provide with a loan and/or financial solution or service from a company that appears to most closely match your needs. These companies include personal, business, installment, line of credit, and short-term loan providers, as well as other financial service providers ("Providers"). This website receives compensation from Providers in certain circumstances. This compensation may impact how and where products appear on this site, such as the order or placement. Our Providers do not represent all loan companies or all types of offers available in the marketplace. This website does not broker loans to a lender, is not an agent of or represent a lender in any other capacity other than as a referral source. This website does not make, fund or offer any specific loan or financial product. This website does not constitute an offer or solicitation to lend. This website does not charge for any service or product.
Further, this website does not endorse or recommend the products or services of Providers, and are not an agent or advisor to you or Providers. We do not validate or investigate the licensing, certification or other requirements and qualifications of Providers. It is your responsibility to investigate Providers. You acknowledge and agree that Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of Providers products and/or services. You should review each Providers terms and conditions to determine which loan is best for your personal financial situation. We highly encourage you to consult a qualified financial professional before making any type of financial decision. This service is not available in all areas within the United States. LifeHouseFunding.com is operated by LHFS of Georgia LLC. Phone: 1-888-952-7280.
DISCLOSURE OF TERMS: If approved for a loan, as required by the Federal Truth in Lending Act law, the lender is required to present to you the terms of the loan, the rates, and all costs associated with the loan to be expressed as an annual percentage rate of interest or APR, prior to you executing the loan. Each lender in our network offer different loan terms, such as the loan amount, repayment schedule, interest rate, APR, etc.. LifeHouseFunding.com provides access to lenders or connections to other affiliate networks. We do not participate in the underwriting process of any loan decision and therefore cannot guarantee any specific rate, term or APR. We strongly encourage you to read thoroughly and completely all documents provided to you by the lender about the full cost of the loan prior to agreeing to the terms of the loan. At no time are you obligated to accept any loan presented to you. The Interest rate is the percent of interest charged by a lender to the borrower, excluding other fees. APR is the total cost of a loan, including the interest rate, origination fees and all other cost associated with the loan.
The personal loan providers in our network offer repayment terms from twelve to a maximum of eighty-four months. Our lenders offer annual percentage rates (APR) from 1.99% to a maximum annual percentage rate (APR) of 35.99%. APR is the total cost of a loan, including the interest rate, origination fees and all other cost associated with the loan.
Here is an example of the total cost of a loan for an excellent credit borrower: A $7,500 loan with a 3-year term at 5.99% Annual Percentage Rate (APR), would have a monthly payment of $228.13 and a total loan cost of $8,212.68. Below are some additional examples of the repayment terms for a variety of hypothetical loans. The term, rate, and loan amount you qualify for will depend on your credit worthiness and personal financial situation.
CREDIT IMPLICATIONS: As a condition of extending you credit, some loan providers may run a credit check on you, may verify your social security number, driver's license number, national ID, or any other state or federal identification. They may also review your information against databases to include, but not limited to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. When third parties check your credit, your credit score may be negatively impacted. Further, multiple credit checks in a given period of time can adversely affect your credit score and rating.
IMPLICATIONS OF NON-PAYMENT & COLLECTION PRACTICES: Each lender has their own policy regarding late, partial and non-payments. This may include additional fees and interest, and may result in a negative reporting to the three major credit-reporting bureaus causing your credit score to be lowered or negatively impacted. We strongly encourage you to read thoroughly and completely all documents provided to you by the lender as it pertains to late payments and their collection practices prior to agreeing to the loan. Please note that each State has its own rules and regulations that lenders must follow pertaining to the assessment of fees, late payments and collections. Lenders are required by federal and state laws to use certain fair practices in relation to their collection of a loan that has not been repaid./p>
Fair Debt Collections Act: provides limitations on how a lender may collect an unpaid balance, including:
Fair & Responsible Lending: Lenders are required to adhere to the Fair Lending Act: which includes a fair, equitable, and nondiscriminatory access to credit. If you believe a lender has violated this act, you may report these actions to the Federal Trade Commission and/or the Consumer Financial Protection Bureau.