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WHAT IF I NEED TO MAKE A LATE PAYMENT. Late Payment penalties differ from lender to lender. Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. For more information, 5 best personal loans contact the lender directly if you have any issues repaying your loan. Please review our site for valuable information about our services. If you have further questions, we invite you to contact us at anytime.