Rates & Fees*

Searching for a loan with GotLoans.com costs absolutely nothing. GotLoans.com is not a lender or loan broker and does engage in lending, underwriting, or loan approvals or denials. Our website searches a database of approved lenders and displays various offers or invitations** from lenders that viewed your loan request. You can choose the offer or invitation that best suits your needs.

The Truth in Lending Act (TILA) requires lenders to disclose fees and interest rates related to a particular loan. This information should be disclosed by the lender before you accept a loan. If you are automatically redirected to a lender’s loan offer (which will be hosted and controlled by the lender), you should see the TILA disclosures, read and understand them, and make sure they’re acceptable before signing any loan documents. There is no obligation to accept a loan offer or invitation if the terms are not acceptable.

Fees, interest rates and other loan terms are determined solely by the lender, not GotLoans.com.

Late or Missed Payment Policy

Lenders all have their own policies when it comes to late or missed payments. It is advisable to review the late/missed payment policy in the documents provided by the lender before accepting a loan or signing any documents.

Loan Renewal Policy

You may be able to “roll over” a loan if you need additional time to make payments, or if you want to access more credit. State law may regulate rollovers and loan extensions. You are urged to review loan documents to see how a lender will address loan renewals.

_{*This page only applies to loan products, not insurance, credit cards, or other financial services.}

_{**Sometimes lenders work with financial service providers (FSP) that may invite consumers to apply for loans through the FSP. An invitation to apply for a loan through the FSP is not the same as an actual loan offer.}