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FAQ

"Generally Asked Questions

Once issued, the loan amount and terms agreed upon are fixed until the loan is paid off in full. However, you may be eligible to refinance your unsecured loan. Qualified customers will receive additional funds and may receive a lower APR. It is possible to refinance a refinanced loan, but at that point no further refinances are permitted.
At Todd Investment Limited, we provide a loan offer tailored to your unique financial situation. We will look at a variety of factors when determining your eligibility, including your credit score and income. Based on this information, you will be able to select your loan amount up to your approved amount or state limit.
We know this loan is important to you, so we work hard to get it to you quickly, most often as soon as the following business day!‡ The exact funding time that funds will become available to you will depend on your bank.

Administration Fee, Late Fees and Dishonored Payment Fees We know loan fees can be confusing. At Todd Investment Limited, we are committed to a transparent fee structure that makes it easy for you to understand.

You may be charged an administration fee, which is an upfront fee automatically deducted from your loan proceeds at the time the loan is funded. This non-refundable fee is only assessed if your loan is issued. If you are charged an administrative fee, it will be disclosed when you check your loan options.

Late fees may apply if a scheduled payment is missed, although the amount and time of the application of the late fee varies by state. Dishonored payment fees may apply if a scheduled payment is returned unpaid.

If paying with a credit card, please be aware that Todd Investment Limited does not charge any fees for credit card payments, your card issuer may impose a processing or transaction fee. Any transaction or processing fees charged by your card issuer will be detailed in your cardmember agreement.