Independence Day Loans
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Loan Amount: $100 to $35,000
Credit Score: Poor to Excellent
APR: Depends
Loan Term: Depends
Rates and Fees:
Our services are totally free to you! We do not charge any fees for connecting you with lenders. We do not provide loans and we do not have any influence over the rates and terms of our lenders.

Since IndependenceDay Loans is not a lender, we are not able to provide you with information on actual rates, fees, and APR (annual percentage rates) with the loan you may receive. Rates and terms of loans may vary by state and by lender.

After connecting you with a lender, and the loan is approved, the interest rates and fees that you will incur during repayment will be provided to you. This is a requirement of the Truth in Lending Act. If you agree to the rates and fees, the lender will direct you to an e-signature page, and your loan will be processed.

What happens if I don't pay the loan back on time or don't pay it back at all?
You are agreeing to pay a loan back after you accept the terms and conditions of the loan offered to you by the lender you are connected with. Partial payment, non-payment or late payment of your loan may result in additional fees, legal collection action and/or your failure to pay being reported to a consumer reporting agency.

Each lender has differing conditions and terms for their loans. Many lenders are willing to work with you if you should need some help. If you have questions or need more information, please call the lender directly. Let them know that you were connected with them through IndependenceDay Loans, and they will be happy to help. If you have any issue contacting them, please let us know.

What is the renewal policy for these types of loans?
Every lender has different Renewal policies. Some lenders may agree to alternative payment options resulting in a renewed loan and additional loan fees. Please make sure to review your lender's renewal policies, and make your payment preferences known to your lender. If you have questions or need more information on renewal policies, please call your lender directly. Please let them know that you were connected with them through IndependenceDay Loans, and they will be happy to assist. If you have any issue contacting them, please get in contact with us.

Disclosure of Renewal Policy
Extending the repayment terms of a loan may result in additional interest paid, as well as late fees, which can significantly increase the total amount you pay back on a loan. In most cases the loan renewal policies are regulated by the state government.
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APR & Loan Duration

Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

Origination Fee

An origination fee is a fee you pay to your lender when you receive funds. The charge compensates your lender for expenses like processing your application and marketing. Fees typically range from 1% to 8% of the amount you borrow, although you might pay a flat fee or nothing at all, depending on the lender.

Personal Loan Example

If you borrow $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. You will actually receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64.

Amount Period APR Monthly Total Paid
$1,000 24 month 12% $47.07 $1129.76
$1,000 24 month 24% $52.87 $1268.91
$1,000 24 month 35.99% $59.04 $1417.01

Typical Personal Loan Terms

While specific terms of personal loans will vary depending on your state, lender and your specific circumstances, below is a general range of common terms.

Loan amount: $500 - $35,000
Lending period: 91 days - 84 months
Payment frequency: Once a month or twice a month
APR: depends upon credit score, loan amount, loan term, and credit usage & history.
Prepayment penalty: None

Disclaimer

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners.

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.

Company Address

Beiqing road, NO.68 yard, NO.24 building, tower D, NO.3 floor, room 049, Haidian District, Beijing

Disclaimer

Notice

We only provide the service to the people above 18 years old.

Important Information

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners. Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. When you submit your request there is no hard inquiry made on your credit report, therefore there is zero impact on your credit score.

Not A Lender Notice

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. We don't provide loans, loan offers or broker loans online. This website operator is not a lender, do not broker loans to lenders and they do not make credit decisions or offer personal loans. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.