All Forum Posts by: Mark Smith

I am sharing my experience to warn other borrowers and investors about a deceptive practice I encountered while dealing with Century Key Capital. 

If you are considering working with them, I strongly advise you to double-check the provided rates and terms carefully.

During my loan process, I discovered that they had added a yield spread interest without informing me. 

This hidden cost significantly increased my loan’s overall expense, and I only realized it after reviewing the final terms. This practice, when done without disclosure, is not just unethical—it is considered illegal in many lending regulations.

What frustrated me most was the lack of transparency. Instead of being upfront about the additional interest, they presented misleading figures that made it seem like I was getting a better deal than I actually was. Had I not scrutinized the details, I would have unknowingly paid more than I had agreed to.

This experience was costly and frustrating, and I urge all potential borrowers to ask for a full breakdown of all fees and interest components before committing to any loan. If they refuse or seem evasive, consider it a red flag.

Financial transactions require trust, and unfortunately, my experience with Century Key Capital has shown me that borrowers must stay vigilant to protect themselves from hidden costs.