This page provides important information about the rates, terms, and disclosures associated with funding options you may explore through Credit Genie.
1. Non-Lender Status
Credit Genie is not a lender, loan broker, or agent for any lender. We are a lead-generation service that connects consumers with lending partners in our network. We do not make credit decisions, and we are not a party to any loan agreement. All loan approvals, amounts, APRs, and terms are determined solely by the lender.
2. APR Range
Annual Percentage Rates (APR) from our lending partners range from 5.99% to 35.99%. The APR you may qualify for depends on the lender, your creditworthiness, income, loan amount, loan term, and state of residence. Not all applicants will qualify for the lowest rate or the highest loan amount.
3. Loan Terms
Loans offered by our lending partners have terms of 61 days or more. Repayment schedules vary by lender and may be installment-based over a set number of months or due in full on a specified date.
4. Representative Example
The following example is for illustrative purposes only and does not represent a specific offer:
- Loan amount: $5,000
- APR: 15.99%
- Term: 24 months
- Monthly payment: $244.86
- Number of payments: 24
- Total repayment: $5,876.64
- Total cost of credit: $876.64
Actual APR, terms, and repayment amounts will be disclosed by the lender before you accept any offer. You are under no obligation to accept any offer presented to you.
5. Credit Checks
Exploring options through Credit Genie does not affect your credit score. A lending partner may perform a soft or hard credit inquiry as part of its underwriting process. Any hard inquiry requires your separate consent and is initiated by the lender, not by Credit Genie.
6. Fees
Credit Genie does not charge consumers any fee for using the Service. Lenders may charge origination fees, late payment fees, or other charges. All fees will be disclosed by the lender in the loan agreement before you accept.
7. Renewal Policy
Loan renewal policies are determined by the lender and governed by state and federal law. Some lenders may offer renewals or extensions; these may carry additional fees and should be reviewed carefully. We do not control lender renewal policies.
8. State Availability
The availability of loan products and specific APR caps vary by state. Residents of some states may not be eligible for certain products. For example, APR caps may be lower in states with applicable usury laws.
9. Consumer Complaints
If you have a complaint about a lender, you should first contact the lender directly. You may also contact your state's attorney general or financial regulator. For assistance contacting the appropriate authority, reach us at support@creditsgene.com.
10. Contact Credit Genie
Phone: +1 (888) 556-1077
Email: support@creditsgene.com
Mail: 1209 North Orange Street, Wilmington, DE 19801, USA