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Support Home Applying for a Loan Can I apply for a second loan? If you currently have a loan from Liberty Savings Bank, FSB dba mph.bank, in orde… How does applying for a loan affect my credit? Checking your rate with Liberty Savings Bank, FSB dba mph.bank will not affect yo… When and how do I receive my loan funds? If you accept your loan before 5pm EST Monday-Friday, you should receive your loa… What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? All Liberty Savings Bank, FSB dba mph.bank loans offer a fixed rate, but individu… Can I change my loan application after it has been submitted? You will not be able to edit your application once it is submitted. Please be sur… What can I use the loan proceeds for? You can use your loan proceeds for almost anything. The following are some option… What agreements do I have to agree to in order to receive a loan? In order to receive your loan you must agree to the Borrower Platform Agreement, … How are interest payments calculated? Liberty Savings Bank, FSB dba mph.bank uses simple interest to calculate interest… How do I apply for a loan? Please complete the brief online application that will include information about … What is the difference between a soft and hard credit inquiry? There are two kinds of inquiries (or pulls) that can occur on your credit report:… Can I negotiate the rate or my loan terms? No, you cannot negotiate the loan terms or rate. Your rate is generated by the mo… Why do you need my social security information? We must collect and verify your personal information, including your date of birt… Can you withdraw or delete my application? If you wish to withdraw from the application process, please email us at mph.supp… What fees am I charged? Late Payment Fee Greater of $15 or 5% of past due amount Per occurrence If a bo… Are loans through Liberty Savings Bank, FSB dba mph.bank fixed rate or variable rate? All loans through Liberty Savings Bank, FSB dba mph.bank have a fixed interest ra…