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At G-TON, we understand that any loan you take will ultimately cost you more than the initial amount borrowed. This extra amount you have to pay is actually the annualised interest you’re required to pay for borrowing the money in the first place. This rate, also known as the annual percentage rate or APR, can vary from one lender to another. In our case, G-TON is not a lender but a Cash loan service provider, so we do not have any control over the APR set by the lender.

The APR varies depending on a number of factors including the amount borrowed, your credit score, the duration of the loan requested and any extra fees. Always remember that a short-term loan is not meant to act as a long-term solution. Thus, you should borrow only what you can afford to pay back without incurring any fines or penalties.

Some Additional Important Information:

Late and Non-Payments: All lenders under our network are accredited and come from established financial lending institutions. Each lender would thus have their own late and non-payment system. This can range from a roll-over of credit to a renewal of the existing loan scheme. For the applicant however, always make sure that you understand the nitty-gritty of this policy and check to see if there are any extra fees or costs related to the renewal. Always remember that late and non-payments can have a negative impact on your credit score. This can land you into trouble when applying for more loans in the future.

Renewal Policy: When discussing loan terms with your lender, it is crucial that you know the implications and costs of renewals. Struggling to keep up with repayments may be a sign that you need to pay more money over time. The additional interest accrued may include late fees or renewal fees. You can ask the lender in question for more information and to answer your queries in an informative way. The lender will accurately explain the details of the loan agreement.