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Borrowing a home improvement loan doesn’t necessarily mean that you’re short on cash; sometimes, it’s one way to increase your budget for a specific event, for business expansion, for education, for a getaway, and the list goes on. But no matter what your reason is, it’s crucial that you check your requirements first to know whether you have a chance to get a loan or not.
Every lender has its own set of criteria but basically, it’s consist of these factors:
You are over 18 years old
You are a US resident
You have your own bank account
You have a stable source of income
You are regularly employed/self-employed or you receive benefits, pension, and the like (depends on the lender)
To give yourself a better chance to get the loan, it’s important that meet the basic criteria provided by the lender. You can give them a call or check their website to know more details about this.
It’s also important to determine the exact amount you need to borrow and you can start by knowing how much you can afford to settle every month and your purpose for borrowing the loan. As much as possible, do not go over what you can afford even if the rate appears cheaper than expected. Remember, a loan is still a debt and it comes with an interest that you need to settle.
Another crucial factor is the credit score. Although some lenders may still accept borrowers with bad credit remark, having a copy of your credit score is still significant. It will also help you know your actual credit rating and any unpaid accounts. As always, be sure to look for ways on how you can improve your rating as this will help you get better financial assistance in the future. If you have a poor credit remark, the lender will see you as a risk and they might either reject your loan application automatically or charge you with a very high-interest rate.
Emergencies happen all the time, especially when you least expect it. So if you’re wondering who will give you a loan while neglecting all the time-consuming, frustrating loan procedure, you’ve come to the right place.
In this post, we’ll give you a quick but informative insight on where you can get a loan safely and quickly.
Who Will Give You A Loan When You Need One
Online short-term loans are loans that are processed over the Internet. Also known as payday loans, this credit comes with a fast and simple application; however, it only offers a small amount and charges an expensive interest. The good news is: once approved, the loan is deposited in your bank on the next business days or in just a matter of hours.
This type of loans may be available online but you can also find banks and other financial institutions offering it. Unlike short-term loans, you can settle the debt on an installment basis. In addition, the interest rate they charge is lower and the amount they provide is bigger. The downside, however, is that you have to wait for a few days before you receive the funds.
Credit Card Cash Advance
Aside from purchasing items, shopping online, and paying bills, you can also use your credit card when you need a cash advance. This means you can take out a cash loan from in three ways:
Through an ATM
Through a bank
By depositing the money in your checking account
These are just some of the loan options you have if you need money asap. Just remember, all of these come with a cost. A short-term loan, for instance, charges an exuberant rate that you need to settle within a month or on your next paycheck. Therefore, it’s best to use these alternatives only as a last resort.
Choosing The Right Loan
If you are having financial problems, considering a loan might be a good option. However, you need to carefully choose which loan you need before applying for it. Unsecured loans such as payday loans, credit cards, short-term, and other similar types can be great during emergencies. However, keep in mind that unsecured loans may have higher interest rates compared to secured business loans. It is highly recommended for emergency situations but should not be considered for long-term goals.
Ready To Get Started?
Select Your Loan Choose the loan that is suitable for your needs. We have plenty of loan options you can choose. Whether you’re planning to buy a new car or need a short cash to keep your day rolling. we have everything prepared for you.
Provide Your Information After you have selected a loan, visit the lender’s site and complete an online form. You need to provide your details for us to process your application. You will receive a notification once everything is already completed.
Get Your Funds Results are posted in just a few minutes. Once you are approved, the amount that you have requested will be deposited immediately and directly to your checking account. Automatically, the money will be posted and you can use it to pay for online or offline transactions.
Frequently Asked Questions
Got questions? We have answers!
How Fast Can I Get The Money?
You can have the funds in as fast as 15 minutes. All you have to do is to complete an online form and provide your information. Processing your application would take a few minutes or less. Once approved, the funds that you have requested will be deposited instantly to your account.
Do I Need A Guarantor?
If your credit is good, most lenders would be okay with you not providing a guarantor. Unsecured loans are extra risky for lenders due to the absence of collateral. With no other backing aside from the borrower’s creditworthiness, it would be reasonable for lenders to demand extra security. If you currently don’t have a credit history, it would be best to go for a guarantor loan.
What If I Miss My Payment?
There are times that this could happen. We understand that there are circumstances that prevents you from paying on time. If you are having difficulties paying off your loans, you can reach out to your lender to provide you with convenient options. Delayed or missed payments could set you back and cost you additional fees and charges.
What Happens If I Lie On My Application?
Even if you’re tempted to, don’t lie on your application. Once a lie is caught, the lender may void all your application and incur additional fees and penalties. Worse, if you have falsified your documents, you might end up locked in a cell for a very long time.
What Is A Payday Loan?
Payday loans are types of unsecured loans that are easily obtained. If you’re in need of immediate cash assistance, payday loans are your best friend. You can have the funds immediately on the same day of application. Repayment terms are also flexible. You can either have it tied on your next paycheck or pay it in advance.