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Rates and Fees

Smart Borrow Guide is not a lender, and we cannot guarantee the exact APR you will be charged. If you found our website through a paid Google ad, you may have seen sample repayment terms ranging from 3 to 48 months, with APRs between 4.95% and 35.99% for qualified borrowers, as per the Truth in Lending Act (TILA). Some lenders may offer APRs from 5.99% to 35.99%, but lower rates are available only to select customers. These repayment terms apply to closed-end loan products and may not reflect all loan options in our network.

At moneyguideborrow.com, we ensure that our network of lenders adheres to all relevant international, federal, state, and local regulations. We aim to connect consumers with lenders who follow fair credit practices.

Loans in this industry can come with relatively high fees, rates, and charges, which is why they are regulated at various levels. Government and non-government bodies oversee and set best practices for lenders operating in this sector.

To apply for a loan, you must be at least 18 years old. The APR you receive will depend on the lender's evaluation of your application and their specific criteria. The lender will inform you of the exact APR after they assess your information.

APR rates are based on your creditworthiness and may change without prior notice, potentially affecting your total repayment amount.

Once your application is approved, the lender will provide a detailed summary of the loan terms, including the APR, any finance charges, and all other relevant terms. It's important to review this information carefully before agreeing to any loan offer.

Smart Borrow Guide connects consumers with reliable lenders who offer transparent loan terms. Our referral service is free to use.