Registering with bat.loans is free to you, the consumer. We are paid by independent, third party lenders for potential customer referrals. Each third party lender will have its own fees, APR and terms. These charges come directly from the lender and not from bat.loans. These fees and charges will be provided to you at the time of the loan offer, if one is made. You are under no obligation to accept them. Your loan is accepted by you when you electronically “sign” the offer and send back to the lender. Read all documents for the terms and conditions of the loan.