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.
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.
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.
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.
Have you been rejected multiple times in your loan applications? Worried if it might affect your credit score? To find out if it has an effect to your credit score or not let’s see what experts say about this.
What Happens If You're Refused To Get Approved For A Loan
According to CEO Kenneth Lin of CreditKarma.com “The bureaus don’t look whether or not you’re approved or denied”. So typically, it won’t affect your credit score. We all know that your credit score is one of the main factors that lenders check first before lending you some money. It is all about your previous loan history, your late payments, your missed payments, and also if you send multiple loan applications to lenders in a short period of time may affect your credit score because credit bureau may think that you’re desperate to look for money to suffice your needs. But typically, getting a rejected loan application is not their focus because there could be a lot of ways for you to get money other than a banking institution. Inquiries can also have an impact on your credit score because it indicates that you have a new potential debt but don’t worry because the impact on your credit score is very minimal and may become less significant as time passes by.
So if you’re asking if being refused in a loan application can affect your credit rating then the answer is no. Because basically if you’ve been rejected in your loan application then you won’t have new debt that’s why it won’t affect your credit rating. What mostly can affect is how you repay your previous loan. So for you not to worry, you can keep an eye on your credit history and check it on a regular basis for once a year for free or quarterly. In this way you’ll monitor your credit ratings and make better ways to improve it and how you will handle your loans in the future.
If you’re one of those who has a credit card debt, chances are, you’re paying with high interest rates. What if I tell you that instead of paying those ludicrous rates, you can pay off your debt with a much lower interest?
It may seem too good to be true, but there is an option. By using a personal loan to consolidate your credit card bills.
What is a personal loan?
Personal loans give the borrower funds to use on whatever they like. Personal loans are generally unsecured which means you don’t need a collateral to get this kind of loan. A collateral is where you offer something of monetary value, and when you default on the loan, the lender has the right to seize the property.
Although personal loans may have higher rates then secured loans, it’s still generally lower compared to credit cards, some even as low as 6%. But applying for one requires you to have an excellent credit.
But is a personal really the right option?
Taking out a personal loan so solve your current problem may make sense, but it you won’t address why you were in that debt in the first place, then you’ll just be stuck on a loop in taking out loans to pay for your debts. From overspending to poor income, whatever the reason of your debt may be, try and deal with the problem by making lifestyle choices and financial changes.
If you have an excellent credit score, try taking out a 0% transfer charge credit card, this way, you won’t be paying any interest when paying your debt off.
Some potential issues with a personal loan.
Something to note about is, even if your interest rate on a personal loan might be lower, you’re still paying a set amount every month. And that payment might be higher than the minimum payments you make on your credit card. So you might be able to save money on the interests, but your payment monthly would be even bigger.
It’s best to read the fine print before signing so you’ll know what you’re getting yourself into.
So all in all, a personal loan is a viable option if your credit card debt is going out of hand. But the problem can only be solved if you recognize the root of the problem and start working on it. Research is the key.