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Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

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Credit Tip: If a lender demands that you payoff a loan or line of credit early, ask for an early payment discount. Often they're anxious to get loans off the books and may lower the principal due and thus save you a hefty sum of money.

Credit Tip: Can't Pay Bills? Even bad credit people have options, including: *refinancing an auto loan to lower monthly payments or to use the equity to payoff higher interest accounts like credit cards, *mortgage refinancing for money to pay bills, a *balance transfer credit card to eliminate interest for the introductory period, *consolidating debt and; for those who are too deeply in debt, *negotiating debt settlements to chargeoff a percentage of balances owed. There's always hope and options, like *filing bankruptcy when all else fails. And don't forget the basics of *creating a budget to prevent debt from piling up yet again.


Your bank won't approve you for a long term unsecured loan for bad credit? Consider a high risk, short term loan or a secured long term loan using collateral.   Read more about loans.




bad credit unsecured loan
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Bad Credit Unsecured Personal Loan

You can get a unsecured loan for bad credit with no credit check.


Long term loans for bad credit

free debt relief. lower monthly bills and unsecured bill payments.

Non-HomeOwner unsecured debt help

You don't need a long term unsecured loan to pay off bills or other debt.

debt consolidation or debt settlement



Short & long term loans, secured & unsecured:

In order to understand qualifications for loan approval, let's examine the types of loans; secured and unsecured, and the two types of re-payment plans: short term and long term.


Secured loans have both short and long term repayment plans. These types of loans are secured by a form of collateral, such as the equity in a home or auto. Some lenders will also accept stocks and bonds as security against the loan.


Because these types of loans are secured, the risk to lenders is minimized and allows borrowers to enjoy lower interest rates than unsecured loans. And; even if there are still payments due on an existing auto or home loan, it's possible to get a lower rate than the original loan terms, particularly if the borrower's credit had improved.


Unsecured loans generally have only a short term repayment plan. The most common type of unsecured loan is a payday cash advance, or a signature (personal loan) from a bank. The payday cash advance is a much shorter term loan, most commonly to extend only until the recipient's following payday. A bank signature loan; however, generally has a one year repayment plan. Another main difference between these two types of loans is how the interest rate is calculated. A payday cash advance charges a fee instead of an interest rate, but Federal regulations require lenders to provide an "interest computation" so borrowers can compare rates amongst various loan products and lenders. When a payday cash advance fee is transformed to an interest rate, the sum is much higher than a bank signature loan, which is an actual percentage rate charged over the duration of the loan. But there's yet one more difference between these two loans which makes payday cash advances more accessible. Whereas a bank signature loan requires favorable credit, a payday cash advance does not, making this an attractive loan for bad credit people.


Your credit rating, assets, and the eagerness of a lender to issue a loan, all determine which types of loans you are qualified for. If you have favorable credit, consult your local bank loan officer or; if you desire a business loan, your local SBA. If you have troubled credit, instead of seeking a long term unsecured loan, consider alternatives such as using your home or auto as collateral for a secured long term loan, or consider a payday cash advance for a short term unsecured loan.


Submit an online application for a secured long term loan or for a short term unsecured loan through our lender network.


Good credit? Application for a $10,000 long term unsecured loan


Big loan with installments: For long term financing a personal loan with monthly payments may be the best choice for you. If you have equity you may qualify for a cheap personal loan rate, otherwise you may want to examine person to person personal loans from friends or family members. The low rate secured personal loans generally also require at least fair credit. When you have no equity and bad credit, a short term installment loan may be your best and only option other than a credit card cash advance. Not everyone may qualify for a personal loan from finance company.

Another long term unsecured loan option is to use a credit card cash advance. Many card issuers allow advance loans of up to $10,000 with no credit check other than the initial application, and allow you to make monthly repayments. This type of unsecured loan; however, has a higher interest rate computation than a standard signature loan or card charge.


Banks and Credit Unions provide a wide variety of loans to fit a borrower's financial needs. Most loan approval decisions are made in one day, and many do not charge application fees, service charges, or prepayment penalties.

Examples of long term unsecured loans:

Joint Personal Loans - Getting a a large, long term unsecured loan without a cosigner can be difficult. Always start by asking friends and family first. Explain what the reasoning for your loan is and what your goals are in terms of establishing or rebuilding credit. You want to make the person that is going to cosign for you comfortable that you fully intend re-pay the loan timely.

If you have cosigner to apply for a loan, not only will approval chances improve, but also you may get a much lower rate.


Need more information? Read our financial and credit articles related to long term loan, and join our online financial newsletter.

Line of Credit Loan vs Personal Loan: Fixed short term personal loans have a set repayment schedule that cannot be altered without the bank's permission. If you miss a payment, it will negatively impact your credit score and may result in acceleration of the loan. Line of credit loans have minimum payment requirements that can be interest only. This gives the borrower flexibility to pay more or less each month, and those with good payment histories may even be offered the chance to skip a month's payment (with interest accruing to principal). However, skipping payments or paying only the minimum will cause future minimum payments to rise, as well as increasing the APR of the loan. Thinking short term, line of credit loans often have prepayment penalties of several hundred dollars if closed too soon. For terms of less than three years, fixed short term personal loan may be a better choice.

Review Disclaimer: Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warranty of any claims made by the website. Use the review information at your sole discretion and sole liability. Review - Copyright ? 2005-2011 Prosper Marketplace, Inc. All rights reserved.

* Provide basic application information
* Post your customized loan listing
* Watch your loan funded by Prosper investors
* Get your money!

Peer-to-Peer Lending Means Everyone Prospers

Prosper is the market leader in peer-to-peer lending-a popular alternative to traditional loans and investing options. We cut out the middleman to connect people who need money with those who have money to everyone prospers!

Here’s how it works:

* Borrowers choose a loan amount, purpose and post a loan listing.
* Investors review loan listings and invest in listings that meet their criteria.
* Once the process is complete, borrowers make fixed monthly payments and investors receive a portion of those payments directly to their Prosper account. 

The fees charged to borrowers and lenders are very straightforward. All of the fees are listed on this page. There are no fees to use the site or post a loan listing. Fees only result from obtaining a loan as a borrower or having your loan serviced as a lender.
Fees Borrowers Pay

Closing fee

The closing fee is a percentage of the amount borrowed and varies by Prosper Rating:
Prosper Rating Closing Fee*
AA: 0.50%
A, B 3.0%
C-HR: 4.5%

The closing fee is taken directly from the loan before the loan proceeds are transferred to your account. This means that if you're using your Prosper loan to purchase something specific (like a wedding dress), make sure you ask for enough to cover both the dress and the closing fee.

For example, if you have a Prosper Rating of A or B and take a loan for $5,000, you will be charged a $150 closing fee. You will then receive $4,850 in cash deposited directly into your bank account. If you have a B rating and one or more previous Prosper loans, your APR will be 16.15% and your scheduled monthly payment will be $170.86.

$15 failed payment fee

If a check or bank draft is returned; an automated withdrawal fails due to insufficient funds in your account; or your account is closed, changed, or made otherwise inaccessible without you having notified us, you’ll be charged a fee of $15. Only one failed payment fee will be charged per payment period, and this fee is retained by Prosper.

Late payment fee

If your monthly payment is 15 days (or more) late, you'll be charged a late fee of either 5% of the unpaid installment amount, or $15 (whichever is greater). Late fees are passed on to lenders; Prosper does not retain late fees.

Creating a loan listing on Prosper is easy and only takes a few minutes.

You will be asked to fill out some personal information, which will help us to give you the best rate possible and protect you and others against fraud. We will check your identity and obtain your credit score. (This will not affect your current credit score.)

We’ll then assign you a Prosper Score, which is based on your credit score from a credit bureau (Experian) and another score developed internally by Prosper. Your loan’s interest rate will be based on your Prosper Score.

Now the fun begins: you create a custom loan listing by giving your listing a title and adding a description of your loan purpose and your financial situation.

TIP: Asking your friends and family to invest in your listing and give you a recommendation will increase your chances of having your loan fully funded. 

Once your listing is live on Prosper, lenders will be able to view your listing and invest in it. At any time in this funding process, you can see the progress of your loan’s funding.

The listing will stay active for 14 days. If it does not become fully funded within the 14-day period, you will need to start again and create a new listing.

Once your listing is fully funded, the funds will be deposited directly into your bank account within a few days.

Prosper may conduct a final identity verification before funds are released. 

Make monthly payments

Prosper will make monthly automatic withdrawals from your bank account in the amount of your agreed-upon monthly loan payment.

If you choose, you may make an optional additional loan payment or pay off your loan early without penalty. If you make your payment with a paper check, manual check fees will apply

Prosper Marketplace, Inc.
111 Sutter Street, 22nd Floor
San Francisco, CA 94104


The longest 0 introductory credit card offers. Review this listing of 0% intro cards of up to 18 months for purchases and balance transfers.
When it comes to deciding the most popular personal loan, the determining factors are eligibility (approval requirements), whether it's a short or long term loan, and the total interest (and/or fees) the loan costs.
Payday personal loans are designed to offer fast cash to bad credit people on a short term basis, yet such unsecured loans can have a long term impact without timely payoff. Why these are called "High Risk Personal Loans"
A chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor's current monthly income is less than the applicable state median, the plan will be for three years unless the court approves a longer period "for cause." (1) If the debtor's current monthly income is greater than the applicable state median, the plan generally must be for five years. In no case may a plan provide for payments over a period longer than five years. 11 U.S.C. §1322(d). During this time the law forbids creditors from starting or continuing collection efforts.
Credit cards are a money management tool that can be used as a short or long term loan, so building credit card debt can happen quickly and easily with high outstanding balances.
A long term debt consolidation loan to payoff Christmas credit card bills.
Free credit tips for emergency loan funding. Cover urgent expenses with a credit card, short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.
Defined Benefit Pension Plan: This plan is also know as a traditional plan where an employer puts money aside for you. The amount received at retirement depends on how long you worked for the company and how much you earned. Benefits are usually guaranteed and paid when retirement age is reached and you no longer work.
Consumers long saved money by purchasing a Certified Pre-Owned (CPO) used car but now; however, with dealerships offering super new car deals, making that decision has become a lot harder. To help you decide, apply for an auto loan to see how much you can borrow.
Get family involved for secure, long term personal finance planning. Use our financial software, tips and credit advice.

Review Disclaimer: Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warrnty of any claims made by the website. Use the review information at your sole discretion and sole liability. Review - Copyright © 2011 All rights reserved.

Cash Loans Solve Emergency Money Problems

Life can throw some unexpected events at people. A car accident or medical emergency are common situations that can overdraw bank accounts. When a sudden emergency happens, people need cash fast. Cash loans from a payday lender are among the speediest ways to solve a short-term money crisis. Simple restrictions allow nearly anyone to apply for a payday loan. Some common rules about borrowers are:

* Age 18 or older
* Earn at least $1,000 each month
* Employment for at least 3 months

Most people should be able to meet these restrictions without a problem. The rules are designed to protect the borrower from receiving a loan that will be difficult for them to repay. People with a steady income are more likely to be able to repay their loans without a significant problem. Payday lenders’ cash loans have several advantages over a traditional bank loan. Among the advantages are:

* Easy repayment
* Loam amounts from $100 up to $1,000
* No background or credit check
* Speedy approval

When it comes to a payday loan, it often can be repaid with the borrower’s next paycheck. This prevents a borrower from racking up long-term debt. The quick repayment schedule keeps borrowers from forgetting about their loan. Loan amounts typically range from $100 to $1,000. The amounts are low enough to repay fast, but high enough to cover most sudden cash emergencies.

With no background or credit check, everyone is able to apply for a payday loan. No checks means there is no risk of being turned down. A background check or credit check can be embarrassing to some people. Payday lenders avoid these kinds of checks to make customers feel comfortable. And with approval in minutes, people can take care of their cash emergency in the same day. A simple document simply needs to be filled out and borrowers can have their cash. Payday lenders have moved online in the last decade for even faster service. Money can now be directly deposited into a borrower’s bank account.

When compared with a traditional bank loan process, payday lenders are much quicker. In an emergency, people need their cash fast. A payday lender can have a person approved in a matter of minutes. By the end of the business day, they can have their money and be on their way to covering their cash emergency. A bank can make people wait for days or even weeks while it decides. This can put people at risk of ruining their credit in an emergency from a bounced check or overdraft.

For a short-term and sudden emergency, payday lenders can give people cash loans to solve the problem. The loan industry has created significant borrower protections, giving payday loans increasing popularity. According to a 2009 federal government study, nearly 25% of all American families had used a service like a payday lender in the past year. With all of the convenience and simplicity of cash loans, it’s easy to see why people have turned to payday lenders.

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