Disclaimer : Ipass is a complimentary referral service that connects borrowers with lenders offering loans ranging from $100 to $15,000, although loan receipt is not guaranteed. The website does not broker, originate, or make credit decisions and is not responsible for lender practices. Annual Percentage Rates (APRs) range from 4.99% to 1304%, subject to state laws, with some lenders potentially charging higher rates. Lenders may perform credit checks and obtain consumer reports to assess creditworthiness, and by submitting information, users agree to identity and credit verification. Late payments or non-payment may result in additional fees, collections activities, and negative credit impact. Renewal policies vary by lender and should be reviewed. Services may not be available in all states, and covered states are subject to change without notice. Short-term loans should be used for short-term financial needs only, not as a long-term solution, and customers with credit difficulties should seek counseling from local nonprofit services.