Nation21 Loans is the operator of this website and is not a lender. We are not involved in creating loan packages or making approval decisions. This website merely transmits applicant information to lenders who may perform credit checks or background investigations to verify submitted information. Not all applicants may receive approval for a quick loan. Not all offers may appear within five minutes. Terms, including amount, rates and time for repayment, may depend upon borrower's credit history, and may vary according to jurisdiction, lender and applicant qualifications. Loan disbursement times may vary and Nation 21 cannot guarantee a quick disbursement. Never provide an upfront payment for a loan. All borrowers should carefully examine all terms of the contract before finalizing the agreement. Late or missed fees may result in financial penalties like additional fees or increased interest rates. Failure to repay may result in collection actions. We are not responsible for the actions taken by borrowers or lenders.