Terms of Use
Please read before transmitting: By submitting an application or form you certify you are 18 years of age and that information submitted is true and correct. You authorize verification of the truthfulness of all information being submitted, including verification of income and banking information. You expressly authorize by means of phone, email, text, fax or other means the contact of any person or company identified in this submission to verify any information or to leave a message for you. Any false statement supplied shall be sufficient basis for rejection and/or default of loan made. By submitting this application you are confirming that you read and understand the above statements.
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APR
The loans made from this site are without fee, interest or cost (0.00% APR) during the borrower’s "grace period" (loan date thru next pay date, not to exceed 13 days). Loans can be extended beyond this "grace period" at borrower’s option, see Renewal Policy.
Renewal Policy
Should it become necessary for a loan term to exceed the "grace period", we provide borrowers an automatic renewal and access to low cost credit union provided funding (18% APR).
Collection Practices
Failure to repay a loan from Grace Period will result in adverse action being taken against borrower by Grace Period, Inc. and/or a third party collection organization. Collection practices will be in accordance with the principles of any applicable federal regulations at all times.
Implications of non-payment
Additional fees may apply in the event of borrower’s failure or delay in repayment of this loan to the extent they are allowed by law. Grace Period or its assigns may attempt to contact borrowers via one or more authorized methods including phone calls, emails and text to arrange for payment.
Potential impact to credit score:
Timely repayment of a loan may improve borrower’s credit scores. Unlike many other lenders, Grace Period’s credit union partner reports both positively and negatively to the credit bureaus with respect to loan status. Late or missed loan payments can negatively affect your credit score.