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Applying does NOT affect your FICO® credit score!

Rates & Fees is in no way a direct loan provider hence we do not make the lending decisions. Therefore, we can’t offer our users detailed information related to the rates and fees that come with the available short-term and long-term loan products offered by the third-party loan providers. Nevertheless, we try our best to make sure that we are working with reputable credit service providers who embrace and follow the local, federal, state, and international laws besides observing all the fair practices in the lending industry.

All short-term loans must be used to solve temporary financial difficulties since it has the tendency to become very costly when used for a term that exceeds the original term. Normally, short-term loans are characterized by higher fees, charges, and interest rates. This is the main reason why there are high levels of regulation by federal and state laws. In addition, there is a steady increase in the number of active organizations in the public and private sector who issue regulatory and control measures to the lending industry.

We are committed to priding our users with several resources as well as informative materials that can offer insight into the industry practices as well as help in making informed borrowing decisions. As such, we advise all the users of our website to visit the Federal Trade Commission and Consumer Financial Protection Bureau websites since they are responsible for the creation and enforcement of the laws that are aimed at protecting the consumers from unscrupulous lenders.

In an attempt to protect borrowers from being exploited, almost every state has come up with some additional laws that work with the federal regulations to ensure the consumers are safe. Most states have the mandate to determine the loan terms, maximum amounts available for borrowing, applicable loan charges, maximum rollovers, the fees, and penalties as well as the permissible number of active loans you can have at any given time.

If you want to know the specific regulations applicable in your state of residence, you can visit However, you should confirm the regulations prior to submitting your loan application since most of the regulations can change from time to time.

Nevertheless, there are some places like New York, Arkansas, West Virginia, and Vermont where short-term loans are not allowed. The information posted here is not exhaustive and it can change at any time. To stay updated on the exact regulations in your state, please check the websites recorded above periodically.

Applying does NOT affect

your FICO® credit score!

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