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Terms Of Use

The information on this website, related pages, its links, or any documents contained herein, are not meant to be a substitute for professional advice and are intended only to inform, assist, and educate users in the areas of credit and debt management. loanosity and its agents and employees cannot and will not provide legal advice. […]

Privacy Policy

loanosity operates the www.loanosity.com website, which provides the SERVICE. This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service, the loanosity website. If you choose to use our Service, then you agree to the collection and use of […]

Accessibility Statement

General loanosity.com strives to ensure that its services are accessible to people with disabilities. loanosity.com has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, […]

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All loans made by Cross River Bank, a New Jersey-Chartered Commercial Bank, Member Federal Deposit Insurance Corporation (FDIC). THIS IS NOT A DEPOSIT PRODUCT.

Disclaimer: Advertised rates and terms are subject to change based on market conditions or borrow eligibility. Individuals must be a U.S. citizen or permanent resident and at least 21 years old to apply for credit from loanosity. You authorized us to make inquiries and obtain information about you in accordance with applicable laws. Valid bank account and Social Security number required. Offered loan terms depend on requested loan amount and credit score, usage and history and are subject to verification of your credit history. Conditions and limitations apply. Loans are not available to residents of all states.

DEBT CONSOLIDATION LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term. Not all applicants will qualify for the lowest rate. Fixed rates range from 20.82% to 26.07% with an Annual Percentage Rate (APR) of 29.99-30.00%. Loan Terms: loanosity Personal Loans offer 2, 3, 4, 5, and 6 year terms. Loan Fees: loanosity personal loans have no prepayment penalties.

DEBT CONSOLIDATION LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $10,000 debt consolidation loan with a 4 year repayment term and a fixed rate of 24.78% and an APR of 30.00%. It works out to 48 monthly payments of $330.35 for a total amount of payments of $15,856.80. This repayment example assumes that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. loanosity does not offer variable rate personal loans.

**Origination Fees: Cross River Bank charges loan origination fees. Loan origination is 8.99% of the amount financed, which is 8.25% of the total loan amount.

USA Patriot Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for information such as your name, address, date of birth or other information that will allow us to identify you. We may also request another identifying document.

Providing your information does not guarantee approval for a product offering.