Live check loans may be convenient, since you do not have to complete a loan application or file paperwork. Learn more about check scams from the FTC.
These may look very similar to actual live check loan offers, but they are used to get your personal or financial information in order to commit identity theft or fraud. Scammers sometimes send fake loan offers via mail, email, or text. Live check loans may have higher interest rates than other types of personal loans or credit cards, so it’s a good idea to shop around and compare terms before accepting a live loan check. Your right to exclude your name from future offers-called an opt-out notice.A privacy notice about the sharing of your personal information.The annual percentage rate (APR)-which is the cost of the loan on a yearly basis.The check should come with the following information: The loan amounts usually range from several hundred to several thousand dollars. It may be from a lender you have borrowed from in the past or from a new lender. Have you ever opened your mail and found an unexpected check? Some checks are refunds and payments due to you, others are sample advertisements, some are fake check scams, and some checks are pre-approved loan, or live check loan offers.Ī live check is a preapproved or “prescreened” loan offer that you did not apply for.
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