Rates & Fees

matterloan.com's service is always free. matterloan.com is not a lender or lending partner and does not provide loans directly. Based on the information you submit, we search our network of lenders and lending partners to connect you with a lender that may be able to offer you a loan.

The Truth in Lending Act requires lenders to disclose all loan fees and interest rates that may apply. Your lender or lending partner will provide rate and fee details at the time of approval. After approval, most lenders will direct you to an electronic signature (e-sign) page provided by the lender or lending partner you are connected with.

Full Disclosure of Terms

Your lender or lending partner will provide documents that include all fees, rates, and other important loan terms. Please read these details carefully before agreeing to any loan. You are not required to accept any offer.

If you decide the loan terms are acceptable and you want to proceed, you may e-sign the agreement and wait for the lender to send the funds.

Loan fees and interest rates are determined solely by the lender or lending partner, based on the information you provide. matterloan.com does not control and typically does not know the specific terms offered between you and your lender. You may stop the request process at any time if the loan terms are not right for you.

Late Payment Policy

Late payment policies vary by lender and lending partner. Review your lender's late payment terms in the loan documents before e-signing the agreement. Lenders must follow applicable laws and regulations regarding late fees.

Non-Payment Policy

Additional fees or charges may apply if you are unable to repay your loan. matterloan.com makes commercially reasonable efforts to work with reputable lenders and lending partners that pursue collections in a fair and reasonable manner.

Loan Renewal Policy

Loan renewal and rollover rules are primarily governed by state law. In states where rollovers or repayment extensions are allowed, interest and possible late fees can significantly increase the total cost of your loan.