Apitalfinancial.com believes in creating an informed marketplace so that consumers can be educated on the products and services they desire and can make responsible decisions about what products or services are best for them. We only work with and invite reputable lenders in our trusted network. Apitalfinancial.com conducts thorough compliance audits of the lenders in our network to ensure they are in compliance with all applicable lending laws and does not hesitate to cease conducting business with any company who isn't. You are encouraged to contact us with any questions.
Loan terms will vary among different Lenders, such as the loan amount, the APR for the loan, costs of the loan, and the repayment plan. Lenders are required by law to present to you the terms of the loan, the rates and all costs associated with the loan prior to your execution of the loan documents. It is important that you thoroughly review the rate and fee information provided to you by your lender prior to agreeing to the terms of any loan. You are under no obligation at any time to accept these loan terms if you determine they are unsuitable. It is important to remember that the loan interest rates, fees, and loan terms are determined solely by your lender. Because Apitalfinancial.com is not a lender, we have no control or knowledge of the loan details between you and your lender.
Apitalfinancial.com supports all provisions of the Fair Lending Act, which require Lenders to afford to consumer's fair, equitable, and nondiscriminatory access to credit. Further, The Dodd-Frank Wall Street Reform Act proscribes that all lenders must engage in "fair lending," which is defined as "fair, equitable, and nondiscriminatory access to credit for consumers." Dodd-Frank also tasks the Consumer Financial Protection Bureau with the enforcement of fair lending regulations. We encourage you to reach out directly to your lender with further questions.
Apitalfinancial.com supports all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. Because Apitalfinancial.com is not a lender, does not broker loans, and does not make credit decisions, our company does not engage in debt collection from consumers. However, Apitalfinancial.com strives to always and only work with lenders that are in compliance with any and all applicable debt collection laws, including but not limited to: (i) Not contacting consumers by phone any time before 8 a.m. or after 9 p.m.; (ii) Not contacting consumers by phone with the intent to annoy, harass, or use abusive language.; (iii) Not collecting debt through deception or misrepresentation; and (iv) NOT threatening legal recourse when no legal action is permitted.
Apitalfinancial.com (the "Website") is not a lender and does not broker loans to lenders and does not make cash advances or credit decisions, and its only financial connection to the providers of the goods and services referred to on the Website is as a marketing vendor. Accessing Website also does not constitute an offer or a solicitation to lend. As such, Website may receive compensation, in the form of a payment for each qualified sale or for each customer registration form Website submits. Website may also be advertising on behalf of a third-party advertiser with whom the provider of the products or services also has a financial connection with, in that both advertisers may receive compensation for each qualified sale or payment for each customer referral. Therefore, the amount of compensation provided, along with other factors, may impact the entity to whom Website provides your registration form. Upon submitting a registration form, you may be redirected to the third-party website or contacted by the third-party for the product you have requested. We encourage you to review the third-party privacy practices and terms and conditions, which may differ substantially from Website. In the event you are provided a loan package, you should review and understand the terms of the product before agreeing to the same. Website and its owners are not affiliated with these third-parties other than what has been described above. Website does not recommend or endorse any specific lender, product, or service on Website, and Website does not include all companies or all available offers. You are encouraged to research all available loan and financial products and service offers for your situation.