Rate & Fees

Rate & Fees

StarLoan.net’s service is always free. The rates and fees applicable to your loan will be set by your lender. StarLoan.net is not a lender and does not provide lending services directly to consumers. StarLoan.net uses the information you submit to quickly and conveniently connect you with a lender.

Full Disclosure of Terms

The Truth in Lending Act requires full disclosure of all loan fees and interest rates. Your lender should disclose all fees and rates to you before you accept your loan. If you accept the loan terms, most lenders will direct you to an e-signature page to complete the loan process. Please take the time to read your loan agreement before accepting and signing it.

Late Payment Policy

Lenders may have different policies regarding late payments. Review the late payment policy detailed in your loan agreement before signing. All lenders must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-payment Policy

Additional fees or charges may apply in the event that you are unable to repay your loan. StarLoan.net tries to work with reputable lenders dedicated to using lawful, fair and reasonable means to pursue collections of overdue accounts. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy

Loan renewal policies are largely governed by state law. In states where rollovers are allowed, additional interest and late fees can add substantial to your final loan amount, so these should be avoided whenever possible. Find your state’s laws and regulations governing rollovers and extensions from the list below. Read the lender’s terms in considering renewal options before signing the loan agreement.


You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site for any illegal or inappropriate activities.

Please note that this list is for informational purposes only, is not intended to be legal advice, and may not be accurate or up to date at all times. If you have a specific question about laws or regulations applicable to you, please ask your lender directly or consult a legal adviser. Some states do not have any lending statutory provisions pertaining to personal loans.

Contact your lender with any questions or problems with your loan.

These days, there are many programs that help people get over short-term financial struggles. Naturally, this variety of financial products will have slightly different conditions. As much as all the terms of the loan agreement are important, the rates & fees conditions should be some of your primary concerns.

Our goal is to educate you and explain what to expect. Before you sign any paper, here is what you need to know.

Why Rates and Fees Are Flexible?

We can’t give you exact information about the fees and rates of lenders. Not only all credit products come with different fees and penalties, but some factors also vary based on your unique case. We’ll explain how prices are formed so that you know which questions to ask later. But most importantly, you’ll understand that it’s not enough to just look at one estimate when assessing lender terms.

Each application will be different in at least several details, such as loan amounts, its maturity, your credit score, etc. As a potential applicant, you can contact the lending company directly. This way, you can ask what costs they impose on their clients and receive an exact number.

How Your Payments Are Calculated?

To give you a general sense of your future monthly payments, we’ve compiled key factors that you need to consider:

  • Interest rates – Obviously, this percentage is the main thing you need to keep in mind. These rates are usually fixed, so you’ll be paying the same amount on a consistent basis.

  • Loan amounts – The costs will vary depending on how much you take out; for example, it can be in the hundreds of dollars or in the thousands.

  • Special terms – The time between borrowers initially receiving the money and when they need to pay it back affects the rates. Ask the lender what time frame will you should choose to get a better deal.

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