bat.loans is not a lender and does not make credit decisions. Bat Loan is a loan connecting service. We connect consumers who are looking for financial assistance with independent, third party lenders who may be able to provide a loan. You begin by filling out the simple form. Your information is then shared with third party lenders who may make you a loan offer. You are under no obligation to accept the offer, but if you do, the lender will provide the instructions to do so. Every third party lender has their own terms and conditions. Please consult these before accepting the loan offer. In particular, check for information on the APR, fees, renewal terms and consequences of non-payment. If you have any questions about your loan, please contact your lender.