ClearMoneyLoans.Com

Frequently Asked Questions

Personal loans are unsecured (no collateral) loans up to $35,000. Lenders offer personal loans based on creditworthiness (determined by credit reports) and ability to repay (determined by income). These loans can be used for a variety of reasons, including consolidating debt or paying off high interest credit cards. Please use personal loans responsibly.

clearmoneyloans.com is not a lender and does not make credit decisions.

clearmoneyloans.com connects consumers who are looking for financial assistance with independent, third-party lenders who may be able to provide a loan.

You begin by filling out the simple form. Your information is then shared with third-party lenders who may make you a loan offer. You are under no obligation to accept the offer. Please consult their terms and conditions before accepting the loan offer. In particular, check for information on the APR, fees, renewal terms and consequences of non-payment.

If you have any questions about your loan, please contact your lender.

Registering with clearmoneyloans.com is free to you, the consumer. We are paid by independent, third-party lenders for potential customer referrals.

Each third-party lender will have its own fees, APR and terms. These charges come directly from the lender and not from clearmoneyloans.com.

These fees and charges will be provided to you at the time of the loan offer, if one is made. You are under no obligation to accept them. Your loan is accepted by you when you electronically "sign" the offer and send it back to the lender.

Read all documents for the terms and conditions of the loan.

Personal loans usually go up to $35,000. You will make a request for a loan amount. If you receive a loan offer, it may not match the amount you requested. Loan offers may vary for several reasons including the individual lender, employment, income and other factors.

The transfer to your bank account could happen as early as the next business day. Times will vary depending upon your lender and your financial institution. If you have additional questions regarding the transfer time, please contact your third-party lender.

Individual, third-party lenders have different minimum requirements, but the following constitute typical minimum requirements:

Be at least 18 years of age or older
Have a checking or savings account with direct deposit
Have regular income of at least $1,000 per month
Have a fair credit rating (for personal loans only)
Must Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or less

You will be asked to provide banking, employment and some personal information. This information includes, but is not limited to your name, address, telephone number, place of employment and/or source of regular income, driver's license number, bank account information and social security number.

The third-party lenders may perform a credit check or use other methods to verify the information you provide.

clearmoneyloans.com employs a number of state of the art security measures designed to keep your information secure. All sensitive data transmitted between your browser and clearmoneyloans.com uses 128 bit Secure Socket Layer (SSL) encryption technology. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy.

From the time you register with clearmoneyloans.com (and are made an offer by an independent, third-party lender) the process can be as fast as one business day. A number of factors impact this, including the time of day you apply, the accuracy of your registration, the lender and your financial institution.

clearmoneyloans.com is not a lender. Each independent, third-party lender has their own terms and conditions, including those concerning repayment. You should contact your lender for information about the date and time for repayment as specified in your loan agreement.

Many will do so. They may check to verify the accuracy of the information you have provided and/or to review your information to see how it compares to the records of national databases. Lenders may verify your social security number, driver's license number, banking information or any other information you provided.

Multiple inquiries to the "Big 3" credit bureaus (Experian, Equifax and Transunion) may result in a lowering of your credit score. Therefore you may want to register for a loan, one at a time.

This varies by lender, so check with your lender before agreeing to the loan offer. Many consumers get in trouble by not being aware of the penalties of late or non-payments. Be fully aware of the consequences of not paying the loan in full on the date it is due./or to review your information to see how it compares to the records of national databases. Lenders may verify your social security number, driver's license number, banking information or any other information you provided.

There is no guarantee that you will be approved by one of our participating lenders.

Typical penalties for lack of repayment may include:

Addition of late fees
Your account being forwarded to a collection agency
Report your lack of payment to a consumer credit agency (thereby lowering your credit score)
An offer to renew your loan, which will result in additional fees and/or interest

clearmoneyloans.com is not a lender. You should ask your lender what the implications of non-payment are.

Increased Flexibility for All Situations

You can use a personal loan in many ways, depending on your needs.

We work with a large network of lenders to provide you with the cash you need. Get started by filling out online from any mobile device. The process has been simplified just for you. If you’re approved, your funds will be available as soon as the next business day.

Personal loans don’t require any personal collateral, so you can get started with complete peace of mind.

We are dedicated to providing unparalleled help and support throughout the process. Registering for a loan is faster, easier, and more secure with us.

Material disclosure

APR Disclosure. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. APRs range from 3.09% to 35.99% APR with terms from 61 days to 180 months. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. This website is not an offer of credit nor is it a solicitation to lend. We are an advertising referral service for qualified participating lenders that may be able to offer loans in amounts between $1,000 and $35,000. Not all lenders can provide up to $35,000 and there is no guarantee that your request for an offer of credit will be accepted by an independent, participating lender. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. We do not endorse or recommend any lender or loan. If you are offered a loan by a participating lender, it may not necessarily be the best loan available to you. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, current rates and charges, renewal, payments and the implications for non-payment or skipped payments. Loan transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Any compensation we receive is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. Lenders may perform a credit check to determine your creditworthiness. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Some faxing may be required. These disclosures are provided to you for information purposes only and should not be considered legal advice. Be sure to review our FAQs for additional information on issues such as credit and late payment implications.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

Frequently Asked Questions

How can you use your Personal Loan?

Increased Flexibility for All Situations

Material disclosure