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Annual Percentage Rate (APR) is a simple way of representing the total cost to borrow as an annual interest rate. It represents the combination of both the nominal interest rate and any additional cost involved in getting a loan. Typically, personal loans have APRs that range from 4.99% to 450%, APRs for installment loans vary from 6.63% to 225%, and APRs for cash advance loans range from 200% to 1386%. Since Swift finance hub is not directly involved in the lending process, we can not guarantee the specifics about the APR a lender will offer you. APRs depend solely on a lender’s view of your loan request. They take into consideration your current income size, credit score, credit history, and other key factors you provide in your request form. Kindly contact your lender for more information regarding your Annual Percentage Rate (APR).

Swift finance hub is not a direct lender and we cannot precisely predict what fees and interest rate you will be charged on a loan offer. Your lender will provide you with all the necessary information about your loan cost. You are, however, required to thoroughly go through a loan agreement and ensure you agree to all its terms before signing. Swift finance hub services are free of charge, and you have the free-will to accept or decline a lender’s offer to you.

By accepting the terms and conditions of a loan offer, you enter into an agreement to repay the amount you owe at a specific date as outlined in the documents. In the event of a delayed payment, you will receive additional charges on your loan offer. Non-payment penalties vary by lender, and as Swift finance hub is not directly involved in the lending process, we cannot guarantee any information on the fees you will incur in any default occurrence. Kindly contact your lender directly for more information relating loan repayments.

Swift finance hub is not a direct lender and we do not have the right to look through your credit history and credit capacity. When you submit a loan request on our online platform, it stands as a soft inquiry and in no way has impact on your credit score. However, a lender may choose to carry out credit check to verify your eligibility status for a loan offer. They are most likely to turn to any of the three credit bureaus (TransUnion, Experian, and Equifax). In most cases, this is considered a hard inquiry and could potentially impact your credit score.

Swift finance hub is not a direct lender. As such, we do not handle debt collection and cannot keep you aware of any of them. Lenders generally specify their respective collection practices as documented in your loan agreement. Kindly refer to your lender for questions regarding debt collection. For more information visit our page for Responsible Lending. swiftfinancehub.com itself isn’t involved in debt collection.

Loan renewal options are not always available for all loan offers. We therefore advise you clarify with your lender on loan offers that are renewable. Ensure to thoroughly go through your renewal policy included in your loan agreement before signing.