Terms & Conditions

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Eligibility Criteria

To qualify for a loan with our company, applicants must be at least 24 years of age and possess legal capacity to enter into a binding contract. Applicants must provide accurate personal and financial information as part of the application process. Loan approval is subject to the company’s credit assessment and eligibility criteria, which include but are not limited to credit score, income verification, and the applicant’s debt-to-income ratio. The company reserves the right to request additional documentation or refuse any application that does not meet our underwriting standards.


Loan Amounts and Interest Rates

Loan amounts are determined based on the applicant’s amount wish ,financial profile and specific loan product chosen. Interest rates vary depending on creditworthiness, loan terms, and market conditions at the time of application. All interest rates will be clearly disclosed before any loan agreement is signed. Borrowers are responsible for reviewing the loan terms, including the total cost of the loan and repayment schedule. The company may offer both fixed and variable interest rate loans depending on the product selected.


Repayment Terms

Loan repayments are due according to the schedule outlined in the loan agreement. Payments are typically made monthly, and borrowers are responsible for ensuring that funds are available for automatic debits or manual payments as applicable. Late payments may incur additional fees or penalties, and multiple missed payments could result in the loan being placed in default. In the event of default, the company reserves the right to take legal action to recover the balance owed, including using third-party collection agencies or initiating legal proceedings.


Fees and Charges

In addition to interest charges, the company may impose certain fees associated with the loan, such as origination fees, late payment fees, or prepayment penalties depending on the loan agreement. These fees will be clearly stated upfront during the loan process. Any changes to fees or charges during the loan term will be communicated in writing with proper notice. Borrowers are encouraged to review the fee structure carefully and ask any questions prior to signing the loan agreement.


Prepayment and Early Repayment

Borrowers may have the option to repay their loans early, either in part or in full. Depending on the terms of the specific loan product, prepayment penalties may apply. However, early repayment can help reduce overall interest costs. It is the borrower’s responsibility to review any penalties or benefits associated with early repayment before opting to settle the loan ahead of the original schedule. The company will provide a clear breakdown of the impact of early repayment on the loan balance.


Data Protection and Privacy

The company is committed to protecting the privacy and confidentiality of all personal and financial information provided during the loan application process. We collect and process personal data in accordance with applicable data protection laws. Your information will only be shared with third parties when necessary for processing the loan, complying with legal obligations, or providing services such as credit checks. By applying for a loan, you consent to the collection and use of your personal data as described in our Privacy Policy. Any updates to our data protection practices will be communicated through our website or other relevant channels.


These Terms & Conditions are subject to change, and the company reserves the right to modify them at any time. All changes will be posted on our website, and it is the borrower’s responsibility to stay informed of any updates.

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