Rates and Terms: Loan Costs, Fees and Repayment Rules

What determines loan terms?

Each lender determines its own rates, fees, repayment schedule, renewal policy, and eligibility requirements. RealisticLoans.com does not set lender terms and does not make credit decisions.

Review before accepting

Before signing any loan agreement, review the full cost of credit, APR, finance charge, payment schedule, due dates, late-payment policy, renewal policy, and any collection practices.

State availability

Loans are not available in all states. Amounts and terms vary by state and lender. You should not use this website to request a loan in a state where the loan is illegal.

Short-term loan caution

Short-term loans are not a long-term financial solution. If you cannot repay a loan according to the lender agreement, you may incur additional fees or collection activity.

Application fee

RealisticLoans.com does not charge an application fee for using this website.

Important Disclosures

RealisticLoans.com does not constitute an offer or solicitation to lend. The operator of this website is not a lender, does not make loan or credit decisions, and does not broker loans. The operator of this website is not an agent or representative of any lender. We are a lead generator and may be compensated by lenders for this service.

Not all lenders can provide loan amounts up to the maximum amount advertised. The maximum amount you may borrow from any lender is determined by that lender based on its own policies, which can vary, and on your creditworthiness. Submitting your information online does not mean that you will be approved for a loan.

Loans are not available in all states. Amounts and terms vary by state and lender. Short-term loans are not a long-term financial solution. Every lender has its own terms, conditions and renewal policy. Late payments may result in additional fees or collection activities, or both. RealisticLoans.com does not charge an application fee.