MENU

Rates and Fees

ClickNGoloans.com's service is always free. The rates and fees applicable to your loan will be set by your lender. clickngoloans.com is not a lender and does not provide lending services directly to consumers. clickngoloans.com uses the information you submit to quickly and conveniently connect you with a lender.

Full Disclosure of Terms

The Truth in Lending Act requires full disclosure of all loan fees and interest rates. Your lender should disclose all fees and rates to you before you accept your loan. If you accept the loan terms, most lenders will direct you to an e-signature page to complete the loan process. Please take the time to read your loan agreement before accepting and signing it.

Late Payment Policy

Lenders may have different policies regarding late payments. Review the late payment policy detailed in your loan agreement before signing. All lenders must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-payment Policy

Additional fees or charges may apply in the event that you are unable to repay your loan. clickngoloans.com tries to work with reputable lenders dedicated to using lawful, fair and reasonable means to pursue collections of overdue accounts. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy

Loan renewal policies are largely governed by state law. In states where rollovers are allowed, additional interest and late fees can add substantial to your final loan amount, so these should be avoided whenever possible. Find your state’s laws and regulations governing rollovers and extensions from the list below. Read the lender’s terms in considering renewal options before signing the loan agreement.

Please note that this list is for informational purposes only, is not intended to be legal advice, and may not be accurate or up to date at all times. If you have a specific question about laws or regulations applicable to you, please ask your lender directly or consult a legal adviser. Some states do not have any lending statutory provisions pertaining to payday loans.

Why Choose Us

clickngoloans.com was created to help consumers access money without hassle and wasted time.
We understand emergencies exist that may require access to funding quickly. That’s why we simplified the process of finding a lender to get the money you need. You no longer have to visit dozens of websites, fill out numerous requests or stand in line at a local store. We are not a lender, but submitting your information through our secure online form will help us connect you to one of the participating lenders in our network. The lenders we work with are willing to help you get the money you need. Each lender in our network has made the approval process quick and easy, usually with no paperwork or forms to copy and fax, and a loan agreement that you can review and sign online. We look forward to helping you with your personal lending needs.

Because ClickNGoloans.com IS NOT A LENDER, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of money you may receive using our referral services. The operator of this web site will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue loans. Providing your information on this web site does not guarantee that you will be chosen by a lender or approved for a loan. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.

Because each lender is different and ClickNGoloans.com has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. ClickNGoloans.com cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who submit a request for credit will be chosen by a lender or approved for loan. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third-party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

Any of the information that you read on this website may be changed at any time without any prior notice. We can not guarantee that your submitted information will be provided to a lender or that a lender will approve you for a loan. Not all lenders can provide up to $1,000. The loans that may be offered by a lender are expensive forms of credit and are intended to provide you with short-term financing to solve immediate financial needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional credit counselor.

ClickNGoloans.com strives to keep you updated with all state laws governing short-term loans. As you may know, these regulations vary from state to state. Visit the Rates & Fees page to view information regarding availability, maximum loan amounts, and loan terms, as well as the information for your state regulator. Rates and fees will vary depending upon lender.

If you are given an option to obtain a loan from a tribal lender, these lenders are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms. Please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.

Testimonial Disclaimer: These are not actual testimonials, but they are representative of ClickNGoloans.com services.

Advertising Disclosures

ClickNGoloans.com does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It’s possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with ClickNGoloans.com at no cost.

The offers that you might receive are from companies from which ClickNGoloans.com receives compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). ClickNGoloans.com does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.