Before signing any loan agreement, it’s crucial to fully understand the terms and conditions. Many borrowers get into trouble because they skim through the details or assume everything is standard.

As part of PCLC’s Truth Campaign, we remind you: take your time to read, ask questions, and ensure you’re fully aware of your obligations. Knowing what you’re committing to can save you from unnecessary stress, unexpected fees, or financial strain.

Here are 4 tips to help you stay informed:

1. Check the Interest Rate – Know exactly how much you’ll pay monthly and the total cost of the loan.
2. Look for Extra or Hidden Fees – Processing fees, penalties, or insurance costs can add up. Make sure you know all extra charges.
3. Review the Repayment Schedule – Know your due dates, repayment period, and whether early payments are allowed. Login to your PCLC Client Portal account to know about your loan account. PORTAL LOGIN 
4. Ask Questions – Don’t hesitate to clarify anything that seems unclear. Understanding the terms keeps you in control of your finances.

Stay smart. Stay safe. Know the truth.