Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Were Committed To Service, Speed Security. Connect with a Helpful Lender.

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Closed-ended loans grant borrowers a specific balance that does not renew once repaid. Secured loans rely on an asset as collateral. A car title loan would be an example of a secured loan.

If a borrower defaults on a secured loan, the lender can take possession of the asset to cover the loss of the loan. In easy cash advance near me case of an auto title loan, the lender would take possession of the vehicles title if the borrower defaults on the loan. Unsecured loans do not require collateral; however, they do charge higher interest rates. The borrower must also pay any fees outlined in the agreement. Monthly fees can be costly. Some lenders charge as much as 25 percent of the borrowed amount.

Before applying for a loan, its a good idea to ask the lender about the annual percentage rate (APR) on their loans.

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