> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What if I need to extend the loan term?

If you require an extension on the loan term, you must contact PADS Financial at least 3 months prior to the end of the loan and request a renewal. Depending on your situation you may be automatically approved for a renewal, or you may have to go through the underwriting process again.