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Frequently Asked Questions

How does this work?

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​Once your loan application is complete, we forward your application to the lenders immediately based on the credit rating and information you provide. At the time of applying, we suggest you provide accurate and up-to-date information so that we can match you with the best available lender. Providing incorrect info may not only disqualify you for the loan but also result in high interest rate.

 

 

I have bad / no credit, can I still qualify for a personal loan?

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YES! We are experts in helping people with bad / no credit get a loan. Get the second chance you deserve.

 

 

Do I need to be employed?

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No, as you long as you have some sort of regular income be it your benefits, social security, disability, settlements etc.!

 

 

Are there any fees to use your service?

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No. there is no cost to apply and you are under no obligation to take the loan offered to you if you are not happy with the rates and terms.

 

 

How long does the entire process take?

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It only takes a few minutes to apply. After your application is submitted, you should get a call from one of the lenders usually same day. If you are approved, it usually takes a few minutes to 1 day for your funds to be provided to you.

 

 

How do I get my money?

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Usually lenders electronically transfer your money into your bank account. But you also choose to receive funds via cheque or to your prepaid card.

 

 

Do you help people with no credit?

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YES! with no credit also you may still qualify for the loan and start building your credit today.

 

 

How much can I borrow and for how long?

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Loans are available from minimum $100. Repayment terms vary by lenders, state and local laws, and not everyone will qualify for maximum borrowing terms. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc. Each lender is required by federal law to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing the loan documents. Please feel free to exit the process at any time as you are under no obligation to accept the loan presented.

 

 

Does applying for the loan affect my credit?

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No! Applying for the loan loan does not affect your credit. There is no hard credit check done on your credit until you agree completely to the loan.

 

 

Is there any state restrictions?

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No! You can apply from anywhere in the USA regardless of the state you are in.

At Keytaploans.com we assure you
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  • Best lowest APR on all loans regardless of your credit. We get you a loan you would love to take

  • We know how important or urgent it can be for you to get the loan ASAP, we try our hard to get you funds faster.

  • Finding the best available Personal / Car loan without leaving comfort of your chair. Now you no more need to go lender to lender comparing quotations. 

  • Best APR and Interest rate. We bet no one can beat them.

  • Easy monthly payments, so you pay what you can afford easily.

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A Personal Loan is an installment loan, meaning that it needs to be paid back over a set period of time. The payments are set to be paid as fixed amount and payable over a period more than 60 days. Personal loans is always a great idea to access cash at lower rates for home renovations, paying back you debts or bills, buying a vehicle etc. With a Personal loan, you could qualify for any amount.

 

Below is the representative example of monthly repayments, APR and total repayment:

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Borrow $5,000 for 72 months, repay with monthly payments of $86.45, with an annual percentage rate (APR) of 7.50%, for a total repayment cost of $6,224.44 including all applicable fees.

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Rates And Fees 


APR and fees depend on your credit rating, FICO score, state where you live, repayment period, monthly income and more. Keytaploans.com works with end number of lenders that adhere to applicable state and federal laws. Every lender has different criteria and each state has different limitations on APR and other fees and we suggest you review them before applying for a loan. The APR range are between 7% to 35% and with more than 60 days to maximum 120 months repayment terms. For qualified consumers, the maximum APR, will not exceed 35% which includes interest rates, fees and other cost for the year . The Truth in Lending Act requires that all our lenders disclose loan fees, interest rates and other charges. After seeing the offer, You are under no obligation to take the loan. Make sure you understand all the terms and conditions before taking a loan and never take a loan you cannot repay.

 

​Collection Practices 
If for any reason you cannot make a payment on time, you should get in touch and speak with the lender immediately on how to resolve it. After you enter into a loan repayment schedule, you are protected by the Fair Debt Collection Practices Act (FDCPA), which is overseen and enforced by the Federal Trade Commission and the Consumer Financial Protection Bureau. All the lenders we work with, are required to abide by the FDCPA, which includes the following rules (this applies both to lenders and third-party collection agencies working on behalf of the lenders):


They may not contact you by phone before 8:00 am or after 9:00 pm in your time zone.

They may not use abusive language toward you.

They are prohibited from using deception to attempt to collect a debt from you.

They are not allowed to threaten legal action against you if they either can’t or don’t intend to pursue such legal action.

 

 

Possible Effect On Credit Score 
All borrowers must be aware that missing a monthly payment or being late with payments would negatively impact their credit score. Lenders perform credit checks with a major credit agencies to see whether to approve your loan application or not. If any lending company finds any non-payment or late-payment, they may report to those credit agencies in order to warn other lenders, banks and financial institutes.

 

​Renewal, Rollover And Late-Payment Additional Costs And Fees 
If you repay all of your monthly on time you will enjoy the best terms and the interest rates. If you can`t make a payment on time you should talk to your lender immediately and discuss how to resolve it. Lenders will take any action, authorized by law and adhere to the ‘fair debt collection practices’, to recover non-paying borrowers funds, including hiring third party collecting agencies. Make sure you aware of all the terms and conditions before taking a loan and never take a loan that you can not repay.​

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Legal Disclaimer: For qualified consumers, the maximum APR, will not exceed 35%. keytaploans.com IS NOT A LENDER or DO NOT REPRESENT A BANK, does not make credit decisions, and does not charge any application fees. This Website does not offer or solicitation to lend. This Website provides a service wherein we submit the information you provide to one or more lenders and attempt to match you with a lender. This service may not be available in all states, and the states serviced by this Website may change from time to time and without notice. Providing your information at Keytaploans.com does not guarantee that you will be matched with a lender or approved for a loan. The lender may perform a credit check or may verify the information you have provide on this website. Not all lending partners offer loans up to $10,000 and not all lenders can provide you with the loan amount you requested. All financial terms of the loan, APR and other information will be provided to you by the lender. Loan terms, conditions, and policies vary by lender, state, and applicant qualifications. For details, questions, or concerns regarding your loan please contact your lender directly. In some situations, faxing or mailing may be required. Cash transfer times may vary between lenders and may depend on your financial institution. Loan repayment periods vary by lender and state.

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