If you don’t repay your loan within the agreed term, you will be contacted to arrange payment, and additional fees may apply, as described in your Sundog Financial Solutions Loan Agreement. Your account will be handled by Our professional collections team to help you manage repayment. We do our best to help you figure out a solution, and avoid handing your account to an outside collection team, as repeated failure to honor loan payments can impact your credit score for up to six years.