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100 to 25,0000*

  • Apply for 50-1,000
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  • Bad Credit

Secure Process

Your data stays secure no matter what. Our platform ensures that your personal information is safe from prying eyes. And since it is online, you can do it anywhere you want, anytime you need. It is available 24/7.

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Paid Into Your Account

Don’t have to wait days to get the funds you need. In just a few minutes, your money goes directly to your checking account. No fuss. no hassle. Quick and convenient service guaranteed.

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Credit Problems

Got bad credit? Having poor or bad credit doesn’t prevent you from applying for a loan. Our creditors do no credit checks. As long as you can pay the loan on time, everything is going to be fine. Your credit problem will never be a problem with us.

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Need Cash Assistance?

Got your eyes on a brand new car? Thinking about starting a family? For that, you’re going to need funds.
If you’re planning on getting financial assistance, we provide you with the best options that you’ll never find elsewhere. Even with bad credit, you are still eligible to apply for a loan.
The application process is amazingly simple and fast. In as quick as two minutes, you can have the results of your application right in front of you.

Why Unsecured Loans?

If you’re stuck in a difficult situation. Without cash, things could go from bad to worse. Going broke during emergency situations can be extremely aggravating.

If you don’t have anyone to turn to, it would be difficult to get out of that situation. Still, there are things that you can do to alleviate your circumstances. The best option would be to apply for an unsecured loan.

  • What Are Payday Loans?

    Payday loans are extremely useful during emergency cases. It’s relatively easy to acquire and does not need complicated requirements. You can pay back the loan on your next paycheck.

  • What Are Guarantor Loans?

    This type of loan requires a guarantor to co-sign the loan agreement. The guarantor takes the borrower’s place if in case they fail to pay back the loan or defaults.

  • What Are Logbook Loans?

    Logbook loans allow the borrowers to pledge their vehicles as a security deposit. The borrower hands over the ownership of the vehicle to the lender until the debt is paid.

If your credit score is not in good shape and you are in need of cash to consolidate debts or make a purchase, one of your best bets is personal loans. This type of loans offers an advance to almost anyone, even to those with fair credit. However, lenders will usually provide low-interest personal loans to borrowers with good credit remark, therefore, as someone with bad credit, you have to compare your options first.

Understanding Your Credit

Do you have good credit? Bad credit? Or fair credit? If you’re not sure, the best thing you can do is to check your credit report by getting a free copy of it from your credit agency. Doing so can you help learn about your exact credit standing, any existing accounts, or wrong data entered to your record. If you believe there are inaccuracies, write a letter to your credit agency about this and submit proofs that would back up your statement.

In case your credit score is in bad shape because of a financial mistake, let’s say a default or late payments, it can still be repaired; however, it will take time. For defaults, it will take at least six years to remove it.

How To Get A Loan With Fair Credit

Whether you have bad or fair credit, the first thing you should do is to fix whatever you can. If you have any unsettled accounts, settle it and boost your credit remark. This will help you obtain a low-interest loan.

Next is to shop around. There are many lenders in the marketplace but not everyone has the best loan offer. Compare as much loan providers as you can to know who provides the best interest, terms, and policies. Once you found the right lender, submit all the necessary requirements and be sure to read the fine print before you sign up the dotted line. If your loan application is approved, pay the loan on time to avoid decreasing your credit remark.

Having a bad credit history is challenging when getting a loan, and it’s the same when you have no credit history at all. Since the lender has no basis about your behavior when it comes to how you pay your accounts in the past, they are more likely to reject you. However, there are loan providers who are willing to accept your case but most of the times, it’s not a practical option.

For instance, you can get cash loans or payday loans. These loans won’t require a credit check and can give you the finance you need in as soon as one day. But the catch is the excessive interest rate. Sometimes, the interest is so high that most borrowers fail to repay the loan on time, causing a lower credit remark. Meanwhile, some may ask for an extension and although it’s possible, it means agreeing to pay for another set of charges, thus making the loan even more expensive.

Then there are personal loans or loans that can be acquired by almost anyone as long as they can prove a stable source of income. Most personal loan providers do not also conduct a credit check and even if they do, they only use it as part of their requirements and not to make a decision. It can be settled on an installment basis thus giving you a chance to pay for a small amount every month. However, the interest rate is also high.

Better Loan Options For Borrowers With No Credit

If you want to avoid the staggering interest rate, you have two options to choose from: secured loans and guarantor loans.

When you choose secured loans, you are pledging collateral against the loan, thus providing the lender some sort of security. You can score a low-interest secured loan even with no credit that you can also pay in small portions for a certain period of time. But be sure to avoid defaulting on your debt or else, you can lose your property.

Another option is the guarantor loans where you’ll ask another person to guarantee the loan. This means that when you seize on the loan repayments, that guarantor will pay the loan balance on your behalf. This loan can also give you a lower interest and better repayment terms.