The terms and conditions of a loan company outline the contractual agreement between the company and the borrower. They typically include details such as:

1. Loan amount: The amount of money borrowed by the borrower.

2. Interest rate: The rate at which interest is charged on the loan amount.

3. Repayment schedule: The schedule for repaying the loan, including the frequency of payments and the total number of payments.

4. Fees and charges: Any fees or charges associated with the loan, such as origination fees or late payment fees.

5. Collateral: If the loan is secured, details of the collateral provided by the borrower.

6. Default: Consequences of defaulting on the loan, such as additional fees or legal action.

7. Termination: Conditions under which the loan agreement can be terminated by either party.

8. Governing law: The jurisdiction whose laws govern the loan agreement.

It's important for borrowers to carefully review the terms and conditions of a loan company before agreeing to the loan to ensure they understand their rights and obligations.