Rates and Fees

Rates and Fees

Supaloan.com is free for consumers to use. Credit Boxed Inc. does not charge you a fee to submit a request or to be connected with participating lenders, loan marketplaces, lead buyers, financial service providers, verification providers, marketing partners, or other service providers. Credit Boxed Inc. is not a lender, creditor, loan originator, loan servicer, or agent of any lender. We do not make credit decisions, underwrite loans, fund loans, service loans, collect payments, set rates, set fees, or determine repayment terms. Any loan or financial product is offered solely by the applicable third-party lender or provider.

Rates, Fees, and APR

Credit Boxed Inc. does not set or control APRs, interest rates, finance charges, fees, repayment schedules, renewal terms, late payment fees, funding timelines, or any other loan terms. If a lender or provider offers you a loan, that lender or provider is responsible for giving you the required disclosures before you enter into a loan agreement. These disclosures should explain the APR, finance charge, amount financed, payment schedule, total repayment amount, fees, due dates, and other important terms. The APR and total cost of credit may vary based on the lender or provider, loan amount, loan term, repayment schedule, state law, credit profile, income, bank information, verification results, and other factors. You should carefully review all loan documents before accepting any offer. Do not accept a loan unless you understand the cost and believe you can repay it.

No Obligation to Accept an Offer

Submitting a request through Supaloan.com does not guarantee approval, funding, or any particular rate, amount, term, or product. If you are connected with a lender or provider and receive an offer, you are not required to accept it. You only become obligated if you choose to proceed with the lender or provider and complete the applicable agreement, including any required electronic signature or authorization. If you do not understand or agree with the rates, fees, repayment terms, or other conditions, do not accept the offer.

Repayments

Repayment terms are determined by the applicable lender or provider and will be described in the loan agreement and required disclosures.Depending on the lender or provider, repayment may be made by electronic bank payment, debit card, check, money order, online payment, or another method. Some lenders may request authorization to withdraw payments from your bank account. Review any payment authorization carefully before agreeing. Credit Boxed Inc. does not collect loan payments and cannot change your repayment schedule. For repayment questions, contact your lender or provider directly.

Late or Missed Payments

Each lender or provider has its own policies for late payments, missed payments, non-payment, renewals, refinancing, extensions, and collections. These policies should be explained in the lender’s or provider’s disclosures and loan agreement.

Late or missed payments may result in additional fees, interest, collection activity, returned payment fees, negative credit reporting, loss of access to future credit, or other consequences depending on the lender’s terms and applicable law. If you believe you may have difficulty making a payment, contact your lender or provider as soon as possible.

Renewals, Extensions, and Refinancing

Renewal, rollover, extension, and refinancing options vary by lender, provider, product, and state law. Some products may not allow renewals or extensions. Others may involve additional interest, fees, or finance charges. Before accepting any loan, review whether renewal, rollover, extension, or refinancing is available, whether it is automatic or optional, and what additional costs may apply. Extending or refinancing a loan may increase the total amount you pay.

Responsible Borrowing

Short-term and small-dollar loans are not intended to solve long-term financial problems. You should only accept a loan if you understand the terms and believe you can repay it when due.

Before accepting a loan, consider:

  • the APR and finance charge;
  • the total repayment amount;
  • payment dates and payment amounts;
  • fees for late or missed payments;
  • renewal, rollover, extension, or refinancing costs;
  • whether repayment will leave you able to cover essential expenses; and
  • whether lower-cost alternatives or independent financial advice may be appropriate.

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