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If you have any further questions please head to the Frequently Asked Questions section. [link widoczny dla zalogowanych] * This is well-known that direct lenders provide the cheapest rates. Shop around in pursue of direct lender to find a low cost alternative for you. What happens if I'm late paying back the loan? If you are matched with a lender and accept the terms and conditions of their loan offer, you are agreeing to pay that loan back in the amount of time expressed in the loan documents. Partial payment, non-payment, or late payment is likely to result in additional fees.Â If you refuse to repay the loan all together, it is likely that the lender will engage a collection company to try and recoup what you owe them (just like any lender would).Â Please don't agree to a loan that you cannot repay.Â Renewal policies are different for every lender. As a convenience to you, some lenders may agree to alternative payment options. Some of these options may result in a renewed or "roll-over" loan that may have additional fees and may renew automatically unless you request otherwise.Â Please make sure to review your lender's renewal policies, and make sure that your payment preferences are known to your lender. If you have questions or need more information on renewal policies, please contact the lender and they will be happy to provide you that information.Â While most lenders in the MoneyMutual network do not run a traditional credit check, it is important for us to let you know that in some cases credit checks, consumer credit reports and other personal data may be obtained by some lenders from Experian, Equifax, Trans Union or through alternative providers in order to make a decision on whether or not to offer you a loan. It is also important to mention that if you do not repay your loan on time, your delinquency may be reported to a credit bureau, which could negatively impact your credit score.Â As with any loan, it's important to repay the loan on time or contact the lender to work out a payment plan.Â Please borrow responsibly!