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New and Used Car Loans and Refinancing       Secured and Unsecured Credit Cards       Credit Report, Score, Repair and Protection       Debt Counseling, Settlement and Consolidation       New Home Purchase, 2nd Mortgage ReFi, Cash Equity       Short and Long Term Personal Loans

         

Need help repaying Christmas credit card charges or other debt? Consider and compare DIY free debt settlement, obtaining professional debt help, getting a consolidation loan or a long term personal loan to payoff bills.

         

             

  

  

Payday Personal Loans: Submit an online personal loan application. Good credit people may qualify for a large limit personal loan of up to $10,000 or more. If you qualify only for a very bad credit personal loan, compare various pre-approved loan offers from lenders who approve no credit check loans with online instant approval.

Loan Application Rejected? If your bank denied you for a long term unsecured personal loan with monthly installment payments because of your credit problems, consider a short term loan or other guaranteed loan. Perhaps you can borrow from multiple unsecured personal loan resources to get the large cash limit you need.

Don't forget that there are secured as well as unsecured loan providers. You could get a small unsecured cash loan or a large secured personnel loan using an asset as loan guaranty.

Fast Payday Loan: When you need money quick with no collateral and no credit check, consider an unsecured high risk loan. Between paydays, this is a good alternative as a short term loan to pay bills or as an emergency loan to pay unexpected expenses like a car repair. Learn the benefits of payday advance loans and common uses, and review alternative unsecured cash loan options including loans for unemployed people and small business loans.

Payday Loan Interest: A payday advance has no interest structure because it charges a fee versus an APR. Some borrowers often use a payday loan to repay a payday loan from another lender, or to roll-over their existing loan term. Before you apply online for a personal loan, carefully review all terms and conditions. Browse for more payday and personal loan resources.

  

If you want to lend a friend or family member a person-to-person personal loan, use our free personal loan calculator to determine monthly payments.

  

Unsecured Loan - Get up to a $10000 unsecured loan with good credit or up to a $1500 bad credit loan with no credit check.

Payday Loan Benefits - Many of us occasionally run short on cash because of unexpected bills, emergencies, accidents, illness and other reasons.

Personal Loan - Apply online for an unsecured personal loan, and learn the pros and cons between a Personal Loan and a Payday Loan for bad credit people.

Payday Loan Lender Information - Payday Loan Lender Information: A payday loan, also called a cash advance or a personal loan, provides a small, unsecured, short term cash loan in advance of payday.

Bank Payday Loan Lenders - Banks Associate with Payday Lenders. Since consumers often need a small, short term loan but many do not qualify for a tradictional, long term personal loan, the number of banks are providing payday advances through agent assisted loan programs is increasing.

Bad Credit Personal Loan FAQs - Learn about and apply online for a bad credit personal loan.

Unsecured Bank Loan - The Community Financial Services Association of America (CFSA), the national voice of the payday advance industry, has a stringent set of guidelines for agent-assisted bank loan programs. Members use the guidelines when partnering with banks to provide short-term, small denomination loans.

High Risk Personal Loan Application - Do you have bad credit and are looking for a high risk personal loan application?

Credit Union Payday Loan - Credit Unions offer their own loan program version of a payday loan.

High Risk Cosigner Loan - High risk cosigner loan facts, and how to avoid having good credit turn to bad credit.

Highly Personal Loan Lending - Personal loan lending is becoming increasingly personal as more people offer person-to-person loans even to those with bad credit.

Private Party Personal Loan - More private lenders engage in offering an online personal loan.

Unsecured Personal Loan Risk - 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.

Unsecured Loans Making Bad Worse - High risk unsecured loans offer easy cash even to bad credit people. But if not paid off timely, the short term payday loans deepen debt fast. Desperation to pay off monthly bills can put personal finances at risk. Payoff higher priority debts and charge off lower priority.

Secured Unsecured Low Interest Loans - Low interest rates abound, for both secured loans and unsecured loans. Get a loan to payoff bills at higher rates and improve personal finances, or to take that well-deserved vacation.

Personal Loan and Cash Advance - Differences between a traditional unsecured personal loan and a payday cash advance, history, and where to submit a bad credit personal loan application.

Bad Credit OK Loans - Though the credit crisis has reduced financial options for subprime people, some lenders do still offer 'Bad Credit OK Loans' and you can apply quickly and easily online.

Bad Credit Payday Loans Offer Unsecured Cash for Poor People - The federal government proposes changes that could completely terminate bad credit payday loans, though this financial option offers unsecured cash for poor people.

High Credit Risk Areas - You may be a high credit risk because of where you live, but thankfully there is still an unsecured, no credit check loan option.

Unsecured Payday Advance or Loan Shark - Who will poor and bad credit people turn to for emergency loan funds if government legislatures ban payday loans? Compare unsecured payday advance personal loans to those of loan sharks.

No Credit Check Bad Credit Loans - Apply for a no credit check bad credit loan. Review government legislations to control subprime interest rates and fees. Did you know, it is in the interest of the lender to offer you the lowest rate and least fees as possible?

Personal Loan for NonHomeOwner - The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Unsecured Personal Debt Consolidation Loan The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Bad Credit Lenders Facing High Risk Banks across the US report bad credit loans are adding to the high risk mortgage problems

Personal Loan Application A personal loan application is easier than ever, but consumers are using them less

Payday Debt Consolidation Loan Whether you want a payday loan to pay off bills or if you want a debt consolidaton loan to repay cash advances, consider these options

Payday Loan Fair Credit Borrowing Do payday loans offer more equal opportunity lending when compared to the approval process and interest rate determinations of other loans?

About Payday Advance Loans How payday loans work and the advantages for the borrower

Bad Credit Payday Loans are good for the Econom by stimulating it with new purchases and paying bills. Apply for a no credit check payday advance

Bank Emergency Loan Program - The federal government extends an emergency loan program to give banks access to more long term cash loans.

Emergency Loan Funding - Free credit tips for emergency loan funding. Cover urgent expenses with a short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.

Need Loan to Pay Bills - Solutions to cover expenses.

Online Loan Convenience - Online loans; particularly unsecured personal loans, are the quickest and easiest way to get cash fast. 

Payday Cash Loans - Why payday personal loans are a popular financial choice: The loan process is extremely simple, and qualification is easy.

Person-to-Personal Personal Loan - Do you; or a family member, need to borrow money from one other? For such very personal loans among family and friends, consider this advice.

Looking for a no bank account personal loan? There are benefits when these two are combined.

Private lender, person-to-person personal loan agreement.

Bank checking account personal loan installment payments and other facts.

Largest Unsecured Personal Loan

Loan without Checking Account Routing Number

Payday Loan Problems / Complaints

Payday Loan without Working or Work Verification

Personal Loan with No Fees Upfront

What are Alternatives to Payday Loans

  

  

   

    

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

  

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

 

Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

 

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

 

Home Loan: Stop paying rent and live the American dream.

 

Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.

 

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

  

Personal Loan: Short or long term personal loan.

  

Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.

 

Free Help: Personal finance newsletter, credit advice and tips.

 

Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                 

 

Personal Loan

  • Personal loans from $1,000 to $25,000

  • Interest Rates 50% Lower Than Big Banks

  • FREE loan quote

Unsecured Personal Loan - good credit people may be eligible for an unsecured personal loan of $10,000 to $20,000. Submit your online application.

  

LOANS FOR ALL CREDIT TYPES

    
Short Term Loans
up to $1,000
   
Long Term Loans
up to $5,000

           

  

Some personal loan applications are limited to $1,000 maximum, but if you have good credit you can qualify for a $10,000 or even up to a $25,000 unsecured personal loan (as available). Review the offer requirements and apply online.

   

Sample Personal Loan Application Questions - Typical form fields lenders ask information about.

  

Title, First and Last Name

Street Address Apartment #

City State Zip Code

  

Time at address

Primary Phone

Best Time To Contact

Email Address

Date of Birth

Social Security Number

 

Co-Signer Name (if applicable)

Co-Signer address

Co-Signer SSN

Co-Signer Date of Birth

 

Employer Name

Employer Address

Employer Phone

Time Employed

Monthly Income

  

Loan Amount to Borrow

Your Bank Name

BAnk Account Number

  

Credit Reference Name

Account Number

  

Sample Personal Loan Application Cover Letter

[DATE]

[NAME OF LENDER]
[STREET ADDRESS]
[CITY, STATE ZIP]

Attn: Financial Officer

To Whom It May Concern,

I would like to obtain a personal loan in the amount of $10,000. The loan will be used to payoff high interest credit card debt. With the high monthly credit card payments ended, I will have no problem repaying the loan.

I have been a longtime standing member of this [BANK, CREDIT UNION] and have an open [TYPE] account with you. I have included a reference below.

[REFERENCE COMPANY NAME]
[ADDRESS]
[CITY, STATE ZIP]
[TELEPHONE NUMBER]
[TYPE OF ACCOUNT]
[CURRENT ACCOUNT STATUS / OPEN IN GOOD STANDING / CLOSED]

I am employed full time at [COMPANY NAME] where I have worked for [TIME FRAME]. I have stable employment and a good credit history.

Please contact me at your earliest convenience to discuss this matter further. I can be reached anytime at [TELEPHONE].


Sincerely,


[YOUR FULL NAME]
[ADDRESS]
[TELEPHONE NUMBER]

  

  

Sample Personal Loan Letter for Employer

[DATE]

[NAME OF EMPLOYER]
[STREET ADDRESS]
[CITY, STATE ZIP]

ATTN: [BOSS NAME]

Dear [SIR or MAAM],

It is with great anticipation that I am requesting an advance on my salary of the amount of $5,000.

The advance in salary will help with an unexpected {MEDICAL, DENTAL, OTHER] financial burden. Relieving this debt will remove a great burden from me and my family. I will eagerly repay with terms agreed upon, and volunteer for automatic withdrawals from my salary until the loan is repaid in full.

Your kind consideration is highly appreciated.


Sincerely,

[YOUR FULL NAME]

  

  

Unsecured Personal Loan Company Applications by Telephone and Online:

Bank of America Unsecured Loan: Easy applications get you on your way. Auto Loans; RV Loans; Boat Loans; Aircraft Loans; Practice Loans for physicians, dentists and veterinarians; Access Loans for people with disabilities.

Chase Unsecured Loan: An individual may wish to seek a unsecured Chase loan to avoid placing any personal assets at risk. For example a secured loan often requires home equity as collateral, this effectively puts the individual's home at risk if repayments are not met. The Chase Bank will be able to advise on the circumstances where a secured loan is required over an unsecured loan but normally unsecured personal loans are provided to individuals who wish to carry out home improvements, home repairs, buy a new car or send the children off to College. Chase provides online responses to unsecured personal loan applications; Fixed and variable loan rates are available; Competitive loan interest rates; Quality service and security; Numerous loan application options; and online loan and interest calculator to help assess loan requirements.

Capital One Unsecured Loan: Applying online is easy, secure, and only takes about five to ten minutes. A Capital One Bank® personal banker will contact you by phone and/or e-mail within 48 business hours to review your request. Remember: * You must be at least 18 years of age and a legal U.S. resident. * All applicants are subject to review of past account handling and verification of the information provided.

Alliant Credit Union Unsecured Loan: Quick and Worry-Free Unsecured Loan - Do you have an unexpected expense or urgent large purchase? Alliant can help with our no-hassle Unsecured Loans. * As low as 11.90% APR; * Ideal if you need a set amount of immediate funds; * Peace of mind in knowing you have set terms and monthly payments; * No collateral required; * Loans amounts from $500 to $50,000; * Quick approval process with funds available the same day, in most cases; * No prepayment penalty; * Convenient automatic payment or monthly coupons.

Discover Unsecured Loan: Simple interest is the least complex way to calculate interest and usually results in less interest charged as compared to compound interest which is typically used by credit cards. Simple interest is calculated on the outstanding principal only. Compound interest is calculated each period on the original principal and on accrued and unpaid interest. Personal loans are simple interest loans. There are NO FEES or penalties charged on a personal loan if you make your payments on time. We may change a $39 fee if your payment is late or if you do not have sufficient funds in your bank account to cover a payment made. However, we will not increase your interest rate if this happens.

HSBC Unsecured Loan: When you need cash to manage personal expenses beyond your budget, a personal loan from HSBC can help you get the money you need, even if you have poor credit. (HSBC is a group of financial institutions named after the founding organization, the Hongkong and Shanghai Banking Corporation Limited.) HSBC personal loans are offered from two major loan providers: Beneficial and HFC. Both of these entities offer competitive rates on personal loans, though they have different sets of eligibility criteria.

TD Bank Unsecured Loan: Having the money you need to do the things you want is a great feeling. Whether buying a car, taking a vacation in a new RV, cruising in a new boat or making home improvements, we have a loan product that can make it possible. Available Personal Loans: We can help you with a range of loan products, whatever your need: * Automobile Loan; * Recreation Vehicle/Boat Loan; * Collateral Loan; * Personal Unsecured Loans; * TD Moneyline Overdraft Protection.

US Bank Unsecured Loan: You'll have the money you need, whenever you need it, at a competitive interest rate. U.S. Bank customers can enjoy instant access to funds on an ongoing basis with the U.S. Bank Premier Line unsecured line of credit. With a U.S. Bank Premier Line of Credit, you'll enjoy: *Generous credit limits: *Competitive Annual Percentage Rates, currently as low as 9.25% to 13.25%; *No annual fees; *Convenient, ongoing access to your funds via; *Premier Line Access Checks; *Visa® Platinum Access Card; *Branch tellers; *24-Hour Banking

Wells Fargo Unsecured Loan: Why get a Personal Loan? A Personal Loan offers a number of advantages: * Immediate funding—you'll know if you qualify for the loan within hours, and usually have the funds the next business day; * Simple application—you won't have to deal with a complicated application; * Fixed term, fixed rate — you know exactly how much you'll pay each month, making it easy to budget; * Low minimum loan amounts—borrow as little as $3,000. A loan is a smart way to consolidate high-interest rate balances under one monthly fixed rate, fixed term payment. You may be able to pay less over the term of your loan, reduce interest costs and increase What's Left each month. A Personal Loan gives you access to funds at a lower cost than high-interest rate retail cards. Why choose a Wells Fargo Personal Loan? We want to see you succeed financially. Call one of our bankers any time, day or night, to talk about your options — 1-888-667-5250. 
 

 

Read our latest article related to a personal loan or search for other personal loan information.


Payday Personal

 

Obtaining a cash loan within hours is one thing many people are searching for when money is needed to pay utility bills or other expenses. Life is unexpected, and money needs are always present. Getting the funds needed is much easier than years ago when a local bank was the only choice. When paychecks are not filling the money need for whatever reason, it may be necessary to get a loan for a few weeks.

 

Instant approval, short term loans have helped people all over the nation get money when there are financial  problems. They are easy to apply for online and once the application has been approved, it may be within hours before the money could be ready to spend. The great thing about using online services is that the application can be accessed on any day at any time. Answers may be possible within a few minutes to a few hours.

 

Multiple lenders are ready to approve applicants with specific credit types, and they work with many online companies. Those websites that boast instant approval payday loans may be able to loan money to many customers. Short applications and short approval processes all make for being able to get the loan quickly. There is some personal information that is required so that the applicant can be matched to a lender who might be able to loan money to the applicant. 

 

Typing in accurate personal information helps lenders determine if they can approve the person for a short term loan. Many lenders do not require a credit check, but they do require correct information. Sometimes banking information, name, address, phone number, employment, and a contract to repay the loan may be all that is involved.

 

Getting an instant approval loan means that the applicant can be either approved or rejected immediately. When approved, there could be an option to choose anywhere from $200 to over $1,000 for a loan amount. Sometimes a lender may not approve the maximum amount to a first time borrower. The only way to find out how much of a loan is possible, is to apply. Never borrow any more than can be repaid on the date due, even if it is offered. Figure the amount of money that is needed and only apply for that amount. 

 

Money can be deposited directly into a bank account by many lenders, this makes it fast for an applicant who needs the money within hours. Then, if the money is needed for an expense or bill, online bill pay makes taking care of the finances easier and quicker. When bank accounts are required, the lender can deduct the loan amount plus interest from the borrower's bank account when it is due. Find out when the loan is due to be repaid and prepare for it. Make sure to set aside some money from each paycheck to use to repay the loan.







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.
 

CashTime.com Review - Copyright © 2011 Cash Time Loan Centers. All rights reserved.

Max Personal Loan Amount - What is the minimum and maximum Personal Loan amount? $100 to $1,000

Do I need a Certificate of Title for a Personal Loan? No Title is needed, only a vehicle registration (need not be current)

Do I get a personal loan using car as collateral - Do you need to see my motor vehicle for a Personal Loan? No

How are my loan funds issued? We give you a check from a local bank and offer to cash the check for you.

What if I am not currently employed, self employed or do not receive a regular paycheck? We may still be able to help you, just call us to discuss your options.

What if I live with someone else? That is acceptable, just bring recent mail received at your current place of residence with your name on it.

What if I become late on my payment? It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.

What if I am not able to pay off my loan by the end of my contract? We will work with you, just call us to discuss ways we can help you.

What will my payment schedule be? Your payment schedule can be bi-weekly, semi-monthly, or monthly.

Is this a short or long term loan - How long is the loan? The length of the loan depends on your payment schedule.

What is the interest rate? For questions about interest rates, please contact a Cash Time representative.

602-433-4090
 



Credit Card

 

New things are in the making for cardholders who have a Discover account, and it is all about making person-to-person payments. They have announced information about their money messengerSM and their partnership with PayPal. The new tool with allow customers to use their card to pay a person. This just gives cardholders even better ways to have tools that can help with their purchases and payments. The feature makes use of PayPal's new Adaptive Payments APIs, and Discover account holders can be able to send money to someone using the Discover website, a smart phone, or mobile phone number. For people who do not want to use this method, there is always a prepaid card that could be used to give to a person.

 

Discover members may even be able to earn cashback on a transaction. The Money Messenger is easy to use as there is not a set up or enrollment required for cardmembers who use the Discover Account Center. Recipients must have a PayPal account or they will need to open one. This feature can help Discover cardholders make payments to people and earn rewards in the process, all while a person gets money. This is one more good way to give members more payment methods. Discover cards continue to give cardholders more features and benefits, that have turned out to be some good financial tools for managing the family finances.






Payday Personal

  

Cash in two hours can be possible with some online payday loan lenders. They usually have direct deposit features, which helps to get the cash into the borrower's bank account fast. Secure applications are available and there are loans that do not require a credit check or fax. People with poor credit have been able to get approved with some lenders.

 

These loans have pulled millions of people through their money woes when money has been needed to pay bills on time, groceries are needed, or there was an out of the ordinary expense. One example of the need for a fast cash loan is if the utilities are at risk of being cut off, and to get them reconnected could cost fifty or more dollars. It does not take much to determine if the fee on borrowing a couple of hundred dollars for utilities, is cheaper than a reconnect fee, bounced check fees, or late bill charges. Do some figuring and go with the option that has less costs.

 

Lenders are available online by the hundreds, and people are able to get matched to the one who may be able to extend them a loan. The forms take just a few minutes to complete and an answer can be received within hours or minutes. It is one of the fastest and easiest ways to get a small loan. There is a lot of online competition and this makes getting a loan with good terms possible. There is a good chance many consumers with shaky credit could get approved to get approved.

 

Using online direct deposits, people who need money to pay bills can have access to funds, and be able to pay the debt fast if they use online banking and bill pay. The best thing is there is not need to drive around to pick up the money or to distribute the funds for bills using online banking. Saving time and spending more time to handle the finances is one of the most important management skills today. Finding a way to run a household smarter is a goal of many consumers. Payday loans should not be abused due to poor budget skills. Live on a budget, don't over spend, and save money for emergencies in advance. This is one way to never have to borrower money from any lender. However, when there are no other options, a fast cash loan can be helpful.


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