All Loans & Eligibility Disclosures
All loans available through MoneyPanda LLC are made by lenders in our network and are subject to eligibility criteria and review of creditworthiness and history. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please contact a MoneyPanda representative for further details. Repayment periods range from 24 to 60 months. The range of APRs on loans is 6.25% to a maximum of 35.99%. The APR calculation includes all applicable fees, including the loan origination fee. For example, a four-year, $18,000 loan with an interest rate of 18.134% and a corresponding APR of 21.08% would have an estimated monthly payment of $528.79 and a total cost payable of $8,281.48.
NMLS #2122655
Debt Relief Disclaimer
Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume your debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. Our service is not available in all states, and our fees may vary by state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services may adversely affect your creditworthiness, may subject you to collections or lawsuits by creditors or collectors, and may increase your outstanding account balances due to the accrual of fees and interest. However, negotiated settlements obtained on your behalf resolve the entire account, including all accrued fees and interest.
C.P.D. Reg. No. T.S.12-03825
Debt Consolidation Program Disclaimer
All settlement and lending products offered by MoneyPanda LLC are executed exclusively through AADR-certified debt settlement companies. Our clients who make all monthly program payments pay approximately 55% of their enrolled debt upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of enrollment and range from 15% to 25%. Programs typically range from 24 to 48 months. On average, clients must save approximately 40% to 50% of each debt balance due from an enrolled creditor before a bona fide settlement offer is made. Typically, clients receive their first settlement within 4 to 6 months of enrollment and subsequent settlements approximately every 3 to 6 months thereafter. Not all clients complete the program. Estimates are based on prior results and may not reflect your individual outcome. We cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. The program is not available in all states; fees may vary by state. The use of debt consolidation services may adversely affect your credit, and you may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase due to accrued fees and interest. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, except for funds earned by MoneyPanda LLC or fees paid to third-party service providers, as applicable. Certain types of debts and certain creditors are not eligible for enrollment. Testimonials reflect individual opinions and may not be representative of all experiences. Clients who successfully complete the program realize approximate savings of 46% before fees, or 25% including our fees, over a period of 12 to 48 months. All claims are based on enrolled debts; not all debts are eligible for enrollment, and not all clients complete the program for various reasons, including their ability to save sufficient funds. Estimates are based on prior results and specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. Please consult with a tax professional regarding tax consequences and with a bankruptcy attorney for bankruptcy advice. Read and understand all program materials prior to enrollment, including any potential adverse impact on your credit rating.
Recorded Calls Notice
Please note that all calls may be recorded or monitored for quality assurance and training purposes.
IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT
To help the government combat terrorism and money laundering, federal law requires all financial institutions to obtain, verify, and record identifying information from each person who opens an account. When you open an account, you will be asked for your name, address, date of birth, and other identifying details. You may also be required to provide a driver's license or other official identification. Failure to provide all required documentation may result in our being unable to establish a customer relationship with you.
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