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This is a no-collateral loan for up to $15,000, similar to a line of credit. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. The term of the loan is typically longer than an installment loan. These loans can be used to consolidate debt or pay off high interest credit cards. Use personal loans responsibly.
CaptainLend.com is not a lender and does not make credit decisions. CaptainLend.com is a loan connecting service. We connect 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, but if you their own terms and conditions. Please consult these 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 CaptainLend.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 yeslendusa.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 back to the lender.
Read all documents for the terms and conditions of the loan.
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:
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.
From the time you register with CaptainLend.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.
CaptainLend.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.
There is no guarantee that you will be approved by one of our participating lenders.
Typical penalties for lack of repayment may include:
CaptainLend.com is not a lender. You should ask your lender what the implications of non-payment are.
Lenders are standing by to make cash loans as soon as the next business day! There is no reason not to apply today!
Important Disclosure. Please Read Carefully.
CaptainLend is not a lender and does not make credit decisions. CaptainLend.com connects interested persons with a lender from its network of approved lenders. CaptainLend.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. This service is not available in all states. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use the service to request a loan. By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. CaptainLend.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to CaptainLend.com, you are giving lenders in MyUSALoan.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus as well as from alternative credit bureaus such as Teletrack or DP Bureau. CaptainLend.com receives compensation from its lenders based on advertising services. CaptainLend.com is a free service and will never charge a fee to be connected to a lender.
Representative APR Range
CaptainLend.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process. The APR on a personal loan can range from 5.99% to 35.99% depending on how the APR is calculated, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. 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. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. Some states cap APR and the amounts of charges for an online personal loan. Loan terms may range from 2 weeks to 84 months depending on your loan and the lender you are connected with.
Implications of Late and Non Payment
Your lender may charge you late fees as well as fees for non-sufficient funds. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature. Non-payment may involve debt collection practices as it is set by applicable law. Your lender may set late payment fees in accordance with state regulations. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installment. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.
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