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At Capexdirect.com, we understand that finding the right short-term loan can be a daunting task. That’s why we offer a free and easy-to-use infomediary service that can connect you with reputable third-party lenders who may be able to secure a short-term loan for you.
It’s important to note that we are not lenders ourselves, and we do not broker loans or make credit decisions. However, we encourage consumers to research the rules and regulations regarding short-term loans, specifically the Truth in Lending Act, which requires lenders to fully disclose all loan fees and interest rates that borrowers may incur. This ensures that you are fully informed about the costs associated with your loan before agreeing to any terms.
When you are connected with a third-party lender through our website, the lender will provide you with a loan contract that outlines all the rate and fee information associated with the loan being offered. It’s crucial that you carefully review this information before accepting the loan terms. If you decide that the loan terms are not suitable for you, you are under no obligation to proceed with the loan process.
It’s essential to review the late payment policy detailed in the loan documents and contract that your lender provides before electronically signing and agreeing to the loan terms. Different lenders may have varying policies regarding late payments. However, all lenders must abide by applicable federal and state laws and regulations regarding late payment fees. We encourage you to research and review the laws regarding short-term loans and late payments in your state of residence to ensure you are fully informed.
If you are unable to repay your loan, your lender may impose additional fees or charges. We work with a network of reputable lenders who are committed to using fair and reasonable debt collection practices. All lenders must abide by applicable federal and state laws and regulations regarding the collection of past due accounts. We strongly advise consumers to not accept any loans that they cannot repay.
Lenders may have different terms and policies regarding loan renewal options and it is important for you to thoroughly read your lender’s loan renewal terms before signing and accepting a loan. Where rollovers or repayment extensions are granted, interest rates, along with any late fees and additional charges that may be imposed, can substantially increase the dollar amount to the end cost of your loan. You are encouraged to review and understand your lender’s terms regarding loan renewal options before signing the loan contract.