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they are extremely aggressive in comparison to other programs presenting exactly the same kind of loans although you may still find interestrates and charges. Non-optional add-ons to your loan amount such as âcredit insuranceâ After being qualified for a loan, the borrower provides the lender with a postdated check or a debit authorization, both for the full amount of the loan plus added financial charges. The lender then presents the borrower with documentation describing the full terms of the loan, including annual interest rates, late fees, and financial charges. By signing the documents the borrower understands and agrees to the terms of the loan, allowing them to receive their money. 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