eConsent

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES (“E-Consent”)

Please read this information carefully and retain a copy for future reference.

Introduction

You are submitting a request to be connected with one of our third-party lenders. To facilitate this process, the lenders require your consent to use electronic signatures, records, and disclosures (“E-Consent”). This notice informs you of your rights when receiving electronic disclosures, notices, and related information. By clicking the link to accept our terms, you acknowledge that you have received this E-Consent and agree to conduct transactions electronically, including the use of electronic signatures, records, and contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records

You may request paper copies of any Disclosures by contacting the third-party lender directly. These copies will be provided at no cost. Third-party lenders will retain all Disclosures in accordance with applicable laws.

Scope of Consent

This E-Consent applies to all online interactions between you and the third-party lender, including transactions conducted via mobile devices such as smartphones and tablets. By providing your E-Consent, you authorize the lender to process your information and interact with you electronically for all related transactions. Notices and Disclosures may be provided on our website, the lender’s website, or via email.

Consenting to Conduct Business Electronically

Before agreeing to conduct business electronically, please ensure you meet the necessary hardware and software requirements outlined below.

Hardware and Software Requirements

To access and retain electronic Disclosures, you will need:

  • A computer (PC or Mac) or a mobile device with internet access.
  • A valid email account.
  • An internet browser that supports at least 128-bit encryption, such as Microsoft® Edge, Mozilla Firefox®, Google Chrome®, or Safari®.
  • A PDF reader (e.g., Adobe® Acrobat Reader® or Foxit®) to view certain documents.
  • A printer or a storage device (such as a hard drive) to retain copies of the Disclosures.

For any questions regarding these requirements, please contact the third-party lenders directly.

Withdrawing Consent

Your E-Consent for our connection service and for third-party lenders’ evaluation of your request is applicable to this one-time transaction and cannot be withdrawn. If you are connected with a lender, you may withdraw your E-Consent with that lender at any time, at no cost. However, withdrawing E-Consent before receiving credit may impact your ability to obtain financing. To withdraw your E-Consent, contact the third-party lender directly. Please note that any prior electronic Disclosures remain legally valid and enforceable.

Updating Contact Information

You are responsible for ensuring that third-party lenders have your updated email and mailing address. You may update your information by logging into the lender’s website or by providing written notice to the lender.

Your Ability to Access Disclosures

By clicking the acceptance link, you confirm that you can access the Disclosures in the formats specified above.

Consent

By clicking the acceptance link, you acknowledge that you have read and understood this E-Consent agreement. You consent to:

  • Using electronic signatures.
  • Receiving all Disclosures and records electronically.
  • Conducting transactions electronically with third-party lenders.
  • Requesting paper copies of electronic records at no cost if needed.

If you choose not to proceed, you acknowledge that you do not wish to use electronic signatures or complete this transaction electronically. You also understand that electronic Disclosures are required to access services from third-party lenders over the internet.

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Important Disclosures – Please Read Carefully

*Individuals experiencing significant financial hardship should explore alternative solutions or seek professional financial advice before proceeding.

This website does not constitute an offer to lend. BestBankingDeals is neither a lender nor a lending partner and does not engage in loan or credit decision-making. Instead, BestBankingDeals functions as a platform that connects interested individuals with lenders or lending partners within a network of approved financial providers. BestBankingDeals does not oversee, control, or bear responsibility for the actions or inactions of any lender or lending partner. Furthermore, BestBankingDeals does not act as an agent, representative, or broker for any lender or lending partner and does not endorse specific lenders or lending partners. Compensation is received by BestBankingDeals from lenders and lending partners, often through a ping-tree model similar to Google AdWords, where the highest bidder is matched with the consumer. Notwithstanding this, BestBankingDeals’ services remain free of charge to users.

In certain circumstances, borrowers may have the option to secure a loan from a tribal lender. Tribal lenders operate under tribal and certain federal regulations, and they may be exempt from state laws, including usury limits. If you are connected with a tribal lender, be aware that their interest rates and fees may be higher than those of state-licensed lenders. Additionally, tribal lenders may require that disputes be resolved within a tribal jurisdiction. It is strongly recommended that you thoroughly review and fully understand the terms of any loan offered by any lender—whether tribal or state-licensed—and decline any loan with terms that are either unaffordable or otherwise unacceptable to you.

This service is not available in all states. If you request a connection with a lender or lending partner in a jurisdiction where such loans are prohibited, or where BestBankingDeals does not have an available lender or lending partner, no connection will be established. You are encouraged to carefully review and fully comprehend the terms of any loan offered and to reject any loan that you are unable to repay or that contains unfavorable terms.

By submitting your information on this website, you authorize BestBankingDeals and its associated partners to conduct a credit inquiry. This process may include verification of your Social Security number, driver’s license number, or other identifying information, as well as an assessment of your creditworthiness. Additional credit checks or alternative verification methods may be conducted to monitor your credit status. These credit evaluations are typically performed by major credit bureaus such as Experian, Equifax, and TransUnion but may also involve alternative agencies such as Teletrack, DP Bureau, or others. Furthermore, you consent to BestBankingDeals sharing your personal and credit information with its network of approved lenders and lending partners.

APR Disclosure

The Annual Percentage Rate (APR) represents the yearly cost of borrowing expressed as a percentage, incorporating interest rates, fees, and other costs associated with a loan. It serves as a standardized metric allowing consumers to compare loan options from different lenders.BestBankingDeals.com does not set or control APRs, as it is not a lender, and cannot guarantee specific rates. APRs typically range between 5.99% and 35.99%, depending on the lender’s terms and the borrower’s credit profile, and an origination fee of 1% to 9.99%. For example, a $10,000 personal loan with a three-year term, an interest rate of 9.38%, and a 9.99% origination fee would result in an APR of 16.74%. You would receive $9,001.00 after fees and make 36 monthly payments of $319.77. Similarly, a five-year $10,000 personal loan with an interest rate of 11.14% and a 9.99% origination fee would have an APR of 15.84%. You would receive $9,001.00 and make 60 monthly payments of $218.12. Eligibility for specific APRs and loan terms depends on several factors, including your credit rating and the information provided in your application. The most favorable rates are reserved for the most creditworthy applicants, and your actual rate may vary. Before accepting any loan offer, borrowers should carefully review the lender’s agreement, as the final APR and repayment terms may vary from what is presented on this site. Apply 100% online and claim a loan at your convenience.

Lender and Lending Partner Disclosures

Lenders and lending partners will provide documentation outlining all fees, rates, and terms associated with any loan offered. This includes any potential penalties for late payments and the conditions under which a loan may be refinanced, renewed, or rolled over if permitted by applicable laws. Loan fees and interest rates are solely determined by the lender or lending partner, based on their internal policies, underwriting criteria, and legal obligations. BestBankingDeals does not have knowledge of or influence over the specific loan terms extended by any lender or lending partner. It is essential that you thoroughly review and fully understand all the loan terms before acceptance and decline any offer that is financially burdensome or otherwise unsuitable for you.

Impact of Late Payments on Credit Score

Failure to make timely payments or missing payments entirely may negatively affect your credit score. To protect your financial standing, only accept loan terms that align with your ability to repay. If you anticipate difficulty in making a scheduled payment, it is strongly advised that you promptly contact your lender or lending partner to discuss possible arrangements for handling late payments.

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