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Disclosures

  • Phoenix Loans LLC offers unsecured short-term consumer loan products for those who have filed for Bankruptcy in order to provide borrowers an opportunity to begin rebuilding their credit. Bankruptcy is rough…....bad things happen to good people. That’s life. But when life happens, we are here for you. We want to help you through this rough time. You pay us back then start getting back on your feet again.
  • We issue loans in compliance with the laws of the states we are licensed in, and corresponding federal laws and regulations. We strive to provide our borrowers with an easy borrowing experience regarding efficiency and expertise based on borrowers individual needs while helping them rebuild credit.
  • All applicable federal and state privacy laws are adhered to. For our privacy policy, please visit our Privacy policy page.
  • Phoenix Loans LLC was created to provide short-term consumer loans to help only borrowers just getting out of bankruptcy get through unexpected tough times quickly when there are no other financial alternatives available. At the same time, we are helping you obtain credit and begin rebuilding your credit history again. We will report your payment history to a credit bureau (alternative credit bureau or major credit bureau), that monitors small term consumer loans such as payday loans. Valuable information for you to know-- Extending or refinancing your loan will result in additional finance charges and fees. Please only borrow the amount of money you need, and repay it in accordance with the terms of the loan agreement.
  • You may be required to submit additional information or documentation as part of the application process due to our qualification criteria or state laws.
  • You have the right to rescind (cancel your loan) if you decide you do not want your loan and let us know by the close of the next business day after receiving the loan. You must return the loan proceeds in accordance with the terms listed in your loan agreement. Depending on the state you live in, laws may be different. Please refer to your loan agreement.
  • Fee schedules are available for review on our website at www.phoenixloans4u.com. The total cost of your loan, including origination fees, is disclosed in terms of the Annual Percentage Rate (APR), finance charges, and total amount you are required to repay in accordance with Federal Truth in Lending Regulations.
  • Extensions, renewals, and deferments may be available depending on the laws of the state you live in. Additional fees may apply.
  • Your loan payment must be paid by your due date in order to avoid late fees and any other fees as disclosed in your loan agreement and disclosure documents. If your payment has not been made and you have not made prior arrangements for refinancing or extension of your loan (if approved), we will attempt to contact you using one or more methods authorized by you in your loan agreement. If this happens your account will have become delinquent. We will make a report to credit bureaus reflecting late or non-payment if we are unable to reach you or you do not make scheduled payments. These actions will possibly impact your credit rating and the ability to qualify for loans with us and other short-term lending companies as well as other finance companies, thereby defeating your chances of rebuilding your credit after bankruptcy.
  • Paying your loan on time is a very important step you must be aware of after filing for bankruptcy. It is what you do after filing that will impact your score and future attempts to get longer term credit with credit card companies, auto finance companies or other loan companies.
  • We may also seek legal remedies as allowed under the law. It is important you contact us BEFORE you miss a payment. We want to be able help you, but need you to communicate with us.
  • Phoenix Loans LLC will not renew or refinance your loan without your express permission.
  • Our loans are typically 14 day loans. Using these short-term consumer loans continuously can be expensive. These loans are not recommended as long term financial solutions. Our loans are designed to help you rebuild your credit, not for long term financial needs.
  • Phoenix Loans LLC complies with all applicable federal and state laws and regulations. The following federal laws apply to loans from Phoenix Loans LLC : Truth in Lending Act (TILA) The Electronic Fund Transfer Act (EFTA) The Fair Credit Reporting Act (FCRA) The Gramm-Leach-Bliley Act (GLBA) The Equal Credit Opportunity Act (ECOA

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ABOUT US


We are a short-term consumer lender. We offer loans to customers who have recently filed for bankruptcy. We focus on providing cash fast to help with emergency needs.

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