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Sandbar Acquisition Company does not charge fees of any kind. What happens to my loan if I return the purchased product s? When you are in the cart, check your total on the right side. The loan terms range from 12 to 36 months depending on your credit score and loan amount. The loan that you were approved for is good for 90 days from the date you receive your pre-approval. Are there additional shipping costs, fees or taxes?