Rates & Fees

EZ Loans 123 provides a completely free service for the consumer. We are not a lender and do not provide payday or personal loans. We provide a platform that is designed to connect consumers who are in need of loans with the lenders who provide them. The rates and fees discussed in the loan offer are between you and your lender. Only lenders can provide specific information regarding APR, fees, repayment methods, and potential changes in the loan agreement.

Late Payment Policy

Policies regarding late payments may vary from lender to lender. It is important to review the late payment policy with your lender before signing the loan agreement. If for some reason the recipient must make a late payment, we advise that they contact their loan provider prior to the payment due date. Some lenders can be flexible and allow deferred payments to help avoid late penalties.

Non-Payment Policy

If the borrower fails to repay a loan, additional charges and fees may apply. In addition to these non-payment fees, the loan provider is within their right to file a report with a credit bureau. Defaulting on a loan can permanently impact the borrower's credit and FICO scores.

Responsible Borrowing

It is our goal to help customers find long-term financial solutions while complying with the OLA Responsible Lending Policy. Short-term loans are not always the best solution for long-term financial problems. Late and non-payment of loans can prolong the repayment period and drive recipients further into debt. This will also damage the recipient's borrowing ability in the future and should be taken very seriously. If the recipient continues to have trouble managing their finances, we suggest that they seek credit counseling.

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THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product, but may receive compensation from the lender for forwarding your information to them. Your information may be going to an aggregator and not a lender. Your information can be sold multiple times leading to multiple offers from lenders, aggregators, and other marketers. Lenders and aggregators who buy your information may supplement it with additional information about you that they obtain from other sources. Not all lenders can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan. Cash transfer times may vary by lenders and local laws. Lenders may perform a credit check to determine your creditworthiness. In some circumstances faxing may be required. For details, questions or concerns regarding your cash advance, please contact your lender directly. Lenders are solely responsible to you for all aspects of any loan request or loan transaction, including compliance with all applicable laws and regulations relating to your loan and any agreement or disclosures relating to your loan request form or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures). Residents of Arkansas, Georgia, New York, Oregon, Washington, West Virginia & Vermont are not eligible to submit a request for a cash advance on this Website. This service is not available in all states, and the states serviced by this website may change from time to time and without notice. Short-term loans are an expensive form of credit and not a long-term financial solution. Please use short-term loans responsibly.

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