Sometimes it's quite hard to plan ahead your finances. Unexpected situations happen all the time. That's where our service comes to the rescue. We specialize in personal loans, connecting you with over 100 of direct lenders, who are ready to provide you with a loan fast and easily.
By completing a short form on this website, you get access to our network of lenders. The whole process takes just a couple of minutes. In some cases, lenders may request additional information. In general, the funds are deposited to your account in as soon as the next business day.
Getting a loan from a regular bank can be somewhat difficult, especially if your credit history is damaged or far from being perfect. Our lenders consider applicants with all backgrounds. No matter what credit you have, you still can apply and get approved. You only need to fill out this short form, and our service will do the rest for you.
Here at upfinances.com we offer APR rates ranging from 4.95% minimum to 35.95% maximum. The APR you may be offered depends on different factors, including your personal situation and financial standing. By completing our loan offer form you shall receive details of the APR and full terms of any loan offered to you.
The actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. Contact your lender for more information about the APR you may receive and the terms of your loan agreement.
If you borrowed $2,000 over a 12 month period with a 3% arrangement fee ($60), then your monthly repayments would be $189.12, with a total payback amount of $2269.44 including the 3% fee would have a total cost of $329.44. Representative 29.82% APR.
If you borrowed $5,000 over a 48 month period with an 8% arrangement fee ($400), then your monthly repayments would be $131.67, with a total payback amount of $6320.12 including the 8% fee would have a total cost of $1720.12. Representative 18.23% APR.
Submission of our loan offer form is safe and simple. It can be done in several minutes. You only need to choose the amount you would like to borrow, how long you would want the loan to be paid over and a few more personal details of yours. After that we will process your request. Usually, we are able to let you know immediately if you have been approved and the funds may be deposited in your bank account on the next business day³.
upfinances.com is not a lender; we only work as a link between you and our reputable lending partners who can approach you with a loan offer. Our service is free of charge.
We are not a lender, that’s why we don’t have any information about the APR you may be offered. If you came to our website by clicking on an advertisement, you might have seen mentions of repayment terms from 65 days to 84 months with a maximum rate of 35.95% (this calculation is consistent with the Truth in Lending Act, or TILA).
You must be at least 18 years old to submit a request with us. Your lender will determine the APR you may be offered. Terms vary as they are affected by different factors including your personal details. Note that the lender has to disclose the APR to you before you e-sign a loan agreement with him/her.
Submission of a loan offer form initiates the lending process. As soon as a lender receives it, he/she will contact you and give you the details of a loan agreement, such as the APR, additional fees and terms. Read your agreement carefully and make sure that you understand everything before making a decision.
Credit Check Disclosure
upfinances.com is NOT a lender. We ARE NOT involved in making any loan or credit decisions. The lenders we cooperate with, however, may check your creditworthiness, credit standing and capacity. To do so, they may ask three major reporting credit bureaus: Experian, Equifax, and TransUnion for a copy of your credit report. These checks may affect your credit score. By submitting your loan request, you acknowledge that you are aware of these credit checks and their possible impact on your credit score.
We encourage you to borrow responsibly. Note that a missed or late payment may have a negative impact on your credit score.
Lender Network Disclosure
upfinances.com is not a lender. We do not offer loans, aren’t involved in any decision making regarding loans and do not promote particular lenders and their services. We give you access to a free, no-obligation platform where you can get in touch with lenders from our network.
We’ve developed financial technology that enables our consumers to establish a quick connection with a large network of lenders by submitting just one loan offer form. We’ve also introduced filters to help you find only the offers that may suit your needs.
All the lenders in our network have their own terms and conditions. When you are approved for a loan and get a loan offer, be sure to read all the documents with care. Make sure that the agreement satisfies your needs. Note that you are under no obligation to proceed with an offer.
State Availability Disclosure
The State availability of our website depends on lenders offering their financial products and services within any particular state. Please remember that some lenders may charge APR rates that exceed the limit of the specific State Usury Law. Because of this they aren’t able to legally operate within that State.
Each State has its own policy regarding the amount of interest you can be charged with. The Usury Laws were created to protect you from unscrupulous lenders and excessive interest rates. Usury Laws are somewhat complicated by a number of legal loopholes and exceptions. This results in it frequently becoming necessary for a different rate for each situation.
As a consumer, you have the right to waive the Usury Law set interest rates; this can be done by a specific clause in your agreement with the lender. If you do so, State Interest Rate Laws in your State of residence may have no bearing on the actual rates you have agreed to.
Lending criteria vary from State to State; this means that not all lenders we are working with operate in every State. In fact, due to a lender’s eligibility criteria or State legislation, a lender has the right to decline your request and residents of some US states may not be eligible for loans products at all.
upfinances.com functions as a link between consumers and lenders that abide by the State Usury Laws and charge (including fees and interest) an APR rate of 4.95% minimum to 35.95% maximum, but within the legal limits that have been determined by that State. The lender is responsible for ensuring that your loan agreement correspond to the legislation of your State.
In case you have any questions regarding interest rates, you may ask your State Office for consultation about the Usury Laws.
Please note that services of our website will be void in states where loan products are prohibited by the State Law.
In order to be our partners, the lenders in our system must abide by the Truth in Lending Act, an act that protects you from unfair lending practices. According to this act, lenders are to provide you with loan offers and agreements that are easy to understand.
Truth in Lending Policy
You are under no obligation to accept a loan offer. Before you sign the loan agreement, make sure that you’ve read all the documents your lender gave you and that you understand the terms and conditions in it (APR, charges, etc.). Do not borrow if you feel that repayments will be problematic for you or if you aren’t satisfied with the offer made. If you have any questions or need additional information about your loan, get in touch with your lender.
Important details about your loan are indicated in the loan agreement. By signing the agreement, you agree to the terms and conditions stipulated and you also agree to repay your loan with interest stated in the documentation within the timeframe specified by the lender. Failure to do so may result in additional charges. This applies to both late payments and missed payments, as well as failure to repay the loan in full.
Please remember that we at upfinances.com do not know anything about any additional fees you may be charged with in case of late or missing payments, or default on your loan. Likewise, we have no knowledge of the details within your loan agreement – those are kept confidential between you and the lender.
All financial information is stated in your loan agreement. It describes different situations and questions regarding your loan such as: when your payments are due, how much is due at each payment, how long you will continue to make payments, as well as policies that determine penalties assessed in the event that you make a payment late, miss a payment, or default on your loan.
Participating lenders may need to carry out a credit check in order to determine your creditworthiness or income to debt ratio. By submitting a loan request with us, you authorize these lenders access your personal information, and to carry out such a check. Note that late or missing payments, or default on a loan, may have a negative impact on your credit score.
upfinances.com takes pride in working with lenders who abide by fair lending practices. Please remember that we are not a lender ourselves and, therefore, aren’t involved in debt collection processes. The collection practices of your lender will be indicated in your loan agreement. If you have questions about collection practices, contact your lender for further information.
Some lenders within our network may automatically renew your a loan if it becomes past due. There also could be additional charges for this. All terms are described and identified in your loan agreement. Check your lender's policy on automatic loan renewal before you sign it electronically. Also, your lender may offer other alternative methods besides renewal. To a significant extent, these regulations are determined by state regulations.
Our free loan matching service allows customers across America to access extra cash when they need it most. It’s our goal to help you find the lender offering a loan quickly and hassle-free.
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