Rates and Fees

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promocashfactoryusa.com services are free. Applicable rates and fees for your loan are set out by your lender. promocashfactoryusa.com is not itself a lender, meaning it does not provide loan services directly to consumers. promocashfactoryusa.com uses the information submitted by you in order to connect you with a lender quickly and conveniently.

Full Disclosure of Terms

A legal requirement of the Truth in Lending Act is full disclosure to you of all fees and interest rates applicable to a loan. Your lender is required to disclose to you all fees and rates before you accept your loan. If you choose to accept the loan terms, most lenders will redirect you to an e-signature page on their website for completion of the loan application process. It is in your best interest to take the time to read and fully-understand your loan agreement before you accept and sign it.

Late Payment Policy

Different lenders may have different policies about late payments. Study the late payment policy as detailed in your loan agreement carefully before you sign. All lenders are obligated to abide by all applicable laws, rules, and regulations regarding fees for late payment.

Non-payment Policy

In the event you are unable to repay your loan additional fees or charges may apply. promocashfactoryusa.com strives to work only with reputable lenders that use lawful, fair and reasonable means to pursue collection of overdue repayment.

Loan Renewal Policy

State law governs policies regarding loan renewal. In states where loan renewals can be made, extra interest and late fees can add significantly to the final amount of your loan and these should be avoided whenever possible. Read the lender’s terms regarding renewal options carefully before signing the loan agreement.

* Please note, these points are for informational purposes only and are not intended to be legal advice, and may not be accurate or up-to-date at all times. If you have a specific questions about laws or regulations that are applicable to you, please direct your questions to your lender directly or seek legal advice. Certain states do not have lending statutory provisions in place that pertain to personal loans.