Disclosures

Credit Check Disclosures

TheLendingWallet is not a lender, does not make loans of any type, and does not make credit decisions. The trusted lenders that we work with may, however, may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or TransUnion or may perform alternative credit checks or consumer reports through alternative providers. By submitting your loan request, you agree our lenders to verify your personal information and perform a credit check.

Advertiser Disclosure

TheLendingWallet does not charge a fee for its services. We are a service that connects consumers such as yourself to trusted, reputable lenders who may be able to assist you with your financial needs. TheLendingWallet has an advertising relationship with some of the offers included throughout its website. However, the listings of our offers are in no particular order and are based on objective analysis. TheLendingWallet may contain affiliate links that may result in a commission, which allows us to provide this service free of charge to you.

State Availability Disclosure

Please note that each state has specific State Usury Laws which are in place to protect consumers from unscrupulous lenders and excessive interest rates. As a consumer, you have the right to waive the Usury Law set interest rates; this can be done through your contract with the lender you are connected with. As a result, State Usury Laws that apply to your state of residence may have no effect on the actual rates you agreed to pay. Lending criteria vary from state to state and not all of our lenders operate in every State. TheLendingWallet does not operate in NY, CT, VT, WV, AK and GA. TheLendingWallet connects consumers with lenders that adhere to State Usury Laws and that charge (including fees and interest), an APR rate of 5.99% minimum to 35.99% maximum, but within legal limits that have been set by that State. Responsibility for ensuring that any agreement you enter into meets your State’s Usury Laws are that of the lender you may be connected with

Truth in Lending Policy

TheLendingWallet works with trusted and reputable lenders who comply with the Truth in Lending Act meaning our lenders supply loan offers and loan agreements that are understood as best practices and required by Federal Law. Truth in Lending Act helps protect consumers such as yourself against predatory and unscrupulous lending. Please note that you do not have to accept any loan agreement that have terms, interest rates (including APR rates), and fees that do not meet your satisfaction. The choice to proceed with a loan with a lender, once connected, is yours. Before agreeing to any loan agreement, please read all the terms carefully so you are fully understand information related to your loan including APR rates, fees, and repayment terms.

Missing or Late Payments

TheLendingWallet strongly recommends that you pay all of your outstanding debt/loans/bills when they are due. This will ensure that you will have a good payment record and minimize negative repercussions. Each lender or lending partner that TheLendingWallet works with has their own terms and conditions governing the specific implications of missing a payment. However, if the lender or lending partner does not receive a payment the likely result is that the lender or lending partner will begin collection procedures against you and you will no longer be able to receive any more loans Therefore, it is important for you to both understand the specific requirements for repayment and the repercussions of missing a payment. And, again we strongly urge you to pay all outstanding debts/loans/bills on time.

Notice of Impact to Your Credit Score

TheLendingWallet’s network of lenders may need to conduct a credit check to determine your creditworthiness. By submitting a loan request, you agree to allow our lenders to access to your personal information and to conduct a credit check. Please note that late or missing payments, or defaulting on a loan may impact your credit score negatively.

Notice of Collection Practices

TheLendingWallet works with trusted, reputable lenders who utilize fair collection practices. Because TheLendingWallet is not a lender, we are not involved in any debt collection practices. The specific practices used by the lender you are connected with will be stipulated in your loan agreement. If you have further questions regarding collections, please consult your lender for more details.

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make or originate any loans or make any credit decisions. This website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this website does not guarantee that your application will be accepted by a service provider or lender or you will be approved for a personal loan with satisfactory rates and terms. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $10,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this website may change from time to time and without notice. Residents of some states may not be eligible for a personal loan based upon lender requirements and/or state regulations. For details, questions or concerns regarding your personal loan, please contact your lender directly.

Short term personal loans are meant to provide short term financing to solve immediate cash needs and should not be considered a long term solution. You are under no obligation to sign any contract or loan agreement. It is always a good idea to review and understand all of your loan documents before you sign them. Please retain a copy of your loan documents and records.

Some lenders will perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders.

ANTI-SPAM POLICY: We strictly prohibit any reference or advertisement of our brand and web site using unsolicited email messages. Violation of this policy will cause partnership termination and further actions permitted by the law. If you feel you have been sent unsolicited messages promoting our brand or website and would like to register a complaint, please refer to our Privacy Policy. We will investigate all complaints and take necessary action.