Rates & Fees

USA Everyday Life’s Service is Always Free

At USA Everyday Life, our service is always free to use. The rates and fees for your loan will be determined by the lender you are connected with. USA Everyday Life is not a lender and does not directly offer lending services to consumers. Instead, we use the information you provide to connect you quickly and conveniently with a lender.

Full Disclosure of Terms

Under the Truth in Lending Act, all loan fees and interest rates must be fully disclosed. Your lender is required to present all associated costs before you accept the loan. Once you agree to the terms, most lenders will guide you to an e-signature page to finalize the process. Always take the time to carefully read your loan agreement before accepting and signing.

Late Payment Policy

Each lender may have different policies regarding late payments. Be sure to review the late payment policy in your loan agreement before signing. All lenders are required to follow applicable laws, rules, and regulations concerning late payment fees. Check your state’s laws and regulations by selecting it from the list below.

Non-Payment Policy

If you are unable to repay your loan, additional fees or charges may apply. USA Everyday Life partners with reputable lenders who adhere to lawful, fair, and reasonable practices for pursuing overdue accounts. Find your state below to learn more about the legal repercussions of non-payment.

Loan Renewal Policy

Loan renewal policies vary by state law. In states where rollovers are permitted, additional interest and fees may significantly increase your final loan amount. It’s recommended to avoid rollovers when possible. Review your state’s laws on loan renewals and extensions from the list below. Always read the lender’s terms regarding renewals before agreeing to the loan.

Please note that this information is provided for reference only and should not be considered legal advice. For specific inquiries about the laws and regulations applicable to you, please consult your lender directly or seek advice from a legal professional. Some states may not have specific statutory provisions regarding personal loans.