Personal Loans

To provide you with funds on a quicker timeline than other means you may consider getting a personal loan. Be sure to discuss and clarify loan options with your lender in order to get a loan that will fit your needs. Not all loans are the same as loans can be fixed term and a fixed rate or you can have rates that are variable with fluctuations in amount due. Make sure to discuss all options available to you with your lending officer. Terms and rates that you qualify for may be based on employment, credit history and ability to repay the loan.

Before agreeing to a loan make sure to ask question about all fees, terms and cost associated with each loan product. Lenders may require that you have an account or start an account with them in order to get a loan approval and or to qualify for better rates on their personal loan products. Lenders may charge an origination fee that varies from lender to lender based on the amount of the loan requested.

Loan amounts of $500 up to $50,000 are available through participating lenders. Loans are not available in every state and state vary based on lenders in the network at the time consumer makes a request for a loan. Qualification for loans vary from lender to lender and can be based on employment, credit history, your ability to make payment among other requirements specified by individual lenders. Your state, credit history, personal financial situation and your credit score along with lender underwriting criteria can impact the amount, fees, rates offered and terms. Be sure to ask your loan officer for details before agreeing to any loan.

All lenders follow Equal Credit Opportunity Act requirements and each will provide you with all the required disclosures. Fees, Rates, and Terms will be based on your individual credit history, employment, ability to repay the loan and underwriting are all done by the lender and not Interest rates, terms, lenders in the network, states available, loan amounts are subject to change at any time without notice. All loan applications are subject to credit approval by the lender(s) with whom you are matched. Operators of this site do not receive any funds from the customers who use this site or charge any fees to any consumers but do receive a “lead fee” from the lender. Operators of this site do not extend, offer or alter terms or condition of your loan, we only connect you to lenders who can provide such services and may need to perform a hard credit pull in order to provide you with a prompt response to your loan needs under the Fair Credit Reporting Act is permissible in order to evaluate your request.

The loan offers that appear on this site or that you are matched and connected to from this site or a customer service agent are from companies in which operators of this site receive compensation. This compensation may impact how and where products, lenders or connection to lenders appear on this site or transfer as a result of conversation with our customer service, including our examples. Operators of this site do not include all Personal Loan companies or all types of loan offers available in the market place. Each consumer should do their own research on lenders and loans available in the Market Place.

There is no guarantee you will be approved for any loan, or that you qualify for advertised rates, fees or terms shown on this site. Personal Loan Providers will determine the criteria necessary for approval and the operators of this site have no influence or control of any kind over the lenders. You should review each lenders terms and condition to determine which loan works for you and your personal situation. Reasonable efforts are made to maintain accurate information on rates, fees and terms that are presented without guarantee and are subject to change without notice.

CareOneFinancials Advertisement Disclosure (last updated June 10, 2021):

Annual Percentage Rate (APR)

Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made.CareOneFinancialscannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99%. Loan products general have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.

Representative Examples of APR, Total Loan Costs & Fee

Amount Period APR Monthly Total Paid
$2,000 12 mo 24% $189.12 $2,269.44
$4,000 24 mo 12% $188.29 $4,518.96
$6,000 36 mo 12% $199.29 $7,174.29

Financial Implications (Interest & Finance Charges)

CareOneFinancials is not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. CareOneFinancials service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into commitment to repay the amount you owe according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as CareOneFinancials is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. For more information, please contact the lender directly if you have any issues relating to your loan repayment.

Potential Impact to Credit Score

CareOneFinancials is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.

Collection Practices

CareOneFinancials is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender.

Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.