Loans and credit 1.95

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All loans under Loans and credit are subject to the following terms:
<ul>
 <li>Minimum repayment period = 90 days</li>
 <li>Maximum repayment period = 365 days</li>
 <li>Maximum APR = 15%</li>
</ul>

Representative example:

<ul>
 <li>Loan amount - USD 100</li>
 <li>Term of loan - 3 months</li>
 <li>Interest per year - 12%</li>
 <li>Service fee - None.</li>
</ul>

Repayment:

<ul>
 <li>Interest is calculated as: 12% x USD 100 x 3/12 months = USD 3</li>
 <li>Monthly payments: USD 34.33 (USD 33.33 principal + USD 1 interest)</li>
 <li>Total amount to repay: USD 34.33 x 3 months = USD 103 (USD 100 principal + USD 3 interest)</li>
</ul>

Total cost of the loan, including all applicable fees: Service Fee 0 + Interest USD 3 = Total Cost of Loan USD 3

Important notice:

Loans and credit does not lend money on a commercial basis. The platform provides a secure environment for borrowers and lenders to connect and engage in transactions, promoting financial security and ethical lending practices.

<ul>
 <li>We offer interest-free grants with no fixed repayment period to encourage responsible borrowing.</li>
 <li>Borrowers are encouraged to repay the interest-free grants to establish a positive repayment track record for evaluation by registered lenders.</li>
</ul>

The platform facilitates lender-borrower reviews, offers a mechanism for filing complaints, and allows access to licensed lenders across different jurisdictions.

Lenders near you:

<ul>
 <li>Accessible registry of licensed lenders near borrowers enables a diverse selection for financing needs, including cross-border lender options.</li>
</ul>

Loan applications:

<ul>
 <li>Loans and credit provides a variety of loan applications from global sources, categorized by country, fostering lender-borrower communication and loan opportunities.</li>
</ul>

Register of defaulters:

<ul>
 <li>Exclusive register of defaulters assists in mitigating losses for lenders and enhances transparency in lending processes for borrowers.</li>
</ul>

References:

<ul>
 <li>Borrowers can list references to enhance creditworthiness, aiding lenders in assessing borrowing risks effectively.</li>
</ul>

Legal documents:

<ul>
 <li>Lending contracts, claim forms, and other legal documents are provided for the convenience of lenders and borrowers.</li>
</ul>

Lender reviews:

<ul>
 <li>A review section allows users to share lender feedback, facilitating an informed lending decision-making process.</li>
</ul>

Bounties and rewards:

<ul>
 <li>The platform offers an international network of bounty hunters to assist in locating missing debtors and supporting debt recovery efforts.</li>
</ul>

Debt collectors and lawyers:

<ul>
 <li>The platform connects users with professional debt collectors and lawyers specialized in loan disputes, providing effective solutions for debt recovery and legal support.</li>
</ul>

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