Datos clave
| Indicador | Valor | Año |
|---|---|---|
| apr disclosure required[1] | Lenders must disclose the finance charge expressed as an annual percentage rate on closed-end personal loans under the Truth in Lending Act. | 2026 |
| debt collector false representation note[2] | The Fair Debt Collection Practices Act bars a debt collector from threatening to take any action that cannot legally be taken or that is not intended to be taken. | 2026 |
| military lending rate cap pct[3] | 36 | 2026 |
Fuentes
- Cornell Law School Legal Information Institute. 15 U.S. Code 1638 - Transaction disclosures.
- Cornell Law School Legal Information Institute. 15 U.S. Code 1692e - False or misleading representations.
- Cornell Law School Legal Information Institute. 10 U.S. Code 987 - Terms of consumer credit extended to covered members and dependents.
Ejemplo representativo
- Monto del préstamo
- $1,000
- Tasa de porcentaje anual (APR)
- 29.99%
- Forma de pago
- 12 pagos mensuales
- Pago
- $97.48
- Cargo financiero
- $169.76
- Total de los pagos
- $1,169.76
Ejemplo: un préstamo a plazos de $1,000 con una APR de 29.99%, pagado en 12 pagos mensuales de $97.48, cuesta $1,169.76 en total, incluido un cargo financiero de $169.76. Solo es una ilustración; su prestamista le informará la APR, el calendario de pagos y el costo total reales antes de que usted acepte un préstamo.