If any part of these Terms is held to be illegal, unenforceable or unenforceable by an arbitrator or court of competent jurisdiction, the Terms shall not be deemed illegal, unenforceable, but only the part that is unlawful, unenforceable or unenforceable shall be removed from these Terms. You agree that, if Uncle Warbucks does not exercise or impose any legal rights or remedies contained in the Terms (or from which Uncle Warbucks benefits under applicable law), this shall not be deemed a formal waiver of Uncle Warbucks` rights and that such rights or remedies remain available to Uncle Warbucks. All insurances, agreements, insurances and warranties set forth herein will survive your acceptance of the terms and termination of the agreement(s) contained therein. These Terms represent the entire understanding and agreement between you and Uncle Warbucks with respect to your use of the Site and supersede all other prior agreements in this regard. The annual effective rate applied to your loan can be between 550% and 780%, which mainly depends on how long you want to get your loan. Therefore, if you are looking for a loan or installment loan, you should find another service provider. They cannot apply for credit since they only specialize in installment credit. There may be late fees, but you will only know this through the credit agreement. So they tripled the amount you owed? Because 450×15 is not 900, so they raped you! Don`t feel bad, I was approved for a car loan, the apr is 21.08%, it`s crazy, but that`s what I could afford after everyone took their share….