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Frequently Asked Questions
What Are Personal Loans?
A personal loan is a form of borrowing that can be used for various purposes. It is typically repaid in monthly or bi-monthly installments over a set period. Personal loans offer a convenient alternative to traditional bank loans or high-interest credit cards, featuring easy online request forms and automated repayment options.
How Much Does a Loan Cost?
The total cost of a loan and its Annual Percentage Rate (APR) are influenced by several factors, such as state regulations, credit history, and employment background. The APR also depends on the loan amount and repayment term. Loan terms are provided during the request process when you are redirected to the lender's or lending partner's website. Begin your loan request today!
How Quickly Can a Personal Loan Be Approved?
Providers of personal loans and cash advances usually conduct credit checks. They may review credit history using national consumer lending databases like Teletrack, DP Bureau, or DataX, as well as major credit bureaus such as Experian, Equifax, and TransUnion. However, credit evaluation processes vary between lenders.
How Soon Will I Receive the Funds?
The time required to process and disburse a loan depends on the lender and the customer’s financial institution. However, individuals who are approved may receive their loan funds as soon as the next business day.
When Is the Loan Due for Repayment?
Loan repayment terms, including due dates and any applicable fees for rollovers or extensions, differ across lenders. It is crucial to carefully review these terms and conditions before agreeing to a loan.
What Happens If I Fail to Make a Payment?
If you do not repay the full principal and interest by the agreed-upon date, additional finance charges may be applied, and the payment may be extended until your next payday. While Brilliant Loan does not enforce payment collection, your lender or lending partner may take legal action if payments are not made.
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Representative Example
The Annual Percentage Rate (APR) represents the yearly interest charged on a loan, expressed as a percentage. It reflects the true cost of borrowing over the duration of the loan.
Loan terms range from a minimum of 3 months to a maximum of 72 months, depending on factors such as the loan amount, credit score, usage, and history. The maximum APR available from our lender network is 36%. When you receive a loan offer, you will have the opportunity to review the lender’s proposal in detail before accepting the loan. For a full understanding of the loan’s terms and conditions, it is recommended to communicate directly with the lender.
EXAMPLE ONE
If you borrowed $5,000 over a 24 months period and the loan had a 6% APR, your monthly repayments would be $226.11, with a total payback amount of $5,426.73