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Copyright © 2022 All Rights Reserved This loan disclaimer is for educational purposes only and should not be taken as legal advice. Brainy Loans operates in compliance with both federal and provincial laws in Canada and the USA, but is not affiliated with any government agency. The APR (Annual Percentage Rate) is the interest rate that applies to your loan, and it is determined by factors such as the loan amount, interest rate, repayment schedule, etc. Only the lender can provide the APR information. Brainy Loans acts as a facilitator for communication between you and potential lenders, but does not have access to loan details. In the event that you don't repay the loan by the due date, it will be considered delinquent and incur fees from the lender. The interest will also continue to accrue on the unpaid balance. You may also be charged an NSF fee by your bank, and your credit rating may be negatively affected. Reputable collection agencies may be employed to collect the debt, and you won't be eligible for another loan from the same lender until you repay the full balance. Brainy Loans collects information about you through its website and referral services, but participation is completely voluntary.