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Do Joint Credit Cards Help Build Credit? Joint credit cards can just as quickly help improve credit as it can to destroy it. Since the credit card account is placed on both spouse's names the activity on the card as a whole affects both parties equally. If the card is used properly it can help improve creditl, yet if either party abuses the card it affests both people.


 

Personal Loan application articles and tips

  

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

Personal Loan Application Terms

Private Party Personal Loan Lenders

Personal Loan Credit Score Requirements

Personal Loan Application Forms

Cheaper than a Payday Personal Loan

Personal Loan Applications

Short Term Personal Loan Pros and Cons

Personal Loan Comparisons

Payday Personal Loan Affect on Credit Score

How to Stop the Cycle of Payday Personal Loans

Most Popular Unsecured Personal Loan

Government High Risk Personal Loan?

  

  

    

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.
  

                 



Employer Personal Loan; also called a Hardship Loan: Running short of money from time to time is a problem most all of us face. We wonder how we are going to make it from one paycheck to another, and anxiously await that next check which may already be spent. A typicall reaction is to seek credit from financial resources like credit cards and banks. Too often we forget that our employer may be willing to help.

Some employers have their own in-house hardship loan program, and it's also possible to borrow against your retirement.

A 401k Hardship Loans is the more common type of loan and involves borrowing against your own savings plan. To qualify, you have to make a compelling case that outlines what you need the money for and why you are unable to secure any other type of financial assistance. If you fail to repay these loans, you may be subject to tax penalties.

As for Employer Hardship Loans, these programs vary from employer to employer and not all may participate.

Again, the borrower must prove need and how the money will be spent. In most cases payments are automatically deducted in increments from the borrower's salary over a set term.

To find out if your employer offers a hardship loan, contact the human resources or finance department.


 

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.

  

Personal 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.


Your Direct Cash Advance - DirectCashAdvance.com: Receive a Payday Advance up to $2000. We do not sell your information to other loan companies... We are the lender! Your acceptance of our Master Cash Advance Agreement terms and conditions, provides pre-authorization for us to electronically transfer cash of approved amounts, by Federally regulated EFT (Electronic Funds Transfer) also known as ACH (Automated Clearing House) into your account, and to obtain payment from your account on scheduled repayment dates. What is the Master Cash Advance Agreement? It is the Agreement with all the terms and conditions of the advance so that you, as the customer, are fully aware of all fees associated with our cash advance transactions. Included within is the Electronic Funds Transfer (EFT) Agreement authorizing us to send funds to your account and authorizing your bank to send repayment of the advance plus fee in the form of EFT/ACH. It also includes the Federal Disclosure Requirements and the Delaware Licensed Lenders Regulations as required by law. Can I extend the time allowed for repayment of the cash advance plus fee? You are allowed a maximum of 4 extension of payment requests. Upon receiving your extension of payment request, we will debit an extension of payment fee on your original due date, for the continued use of advance funds This will allow your next nearest pay date to occur, where the advance amount and original advance fee will be due in full. (Refer to extension of payment form on website for details). NOTICE: All extension of payment requests must be submitted online and must be received by 11 AM (EST) the business day prior to your scheduled full repayment due date to be changed and processed. We cannot accept extension requests by email.


Visa Cash Advance: One of the major advantages of credit cards is that most MasterCard, Visa, Discover, and American Express products offer the ability to get cash advances. You can use your Visa credit card not only for purchases but also to get cash. Your monthly statement lists your credit limits for both purchases and cash advances. You can get money from your Visa up to your cash-advance limit at financial institutions that display the Visa logo. Be sure to take identification when applying. Remember that cash advances cost extra. A one-time fee will be charged, and you will owe interest if you repay the money over time. The fee amount is determined by the institution that issued your Visa.





Chase Cash Advance: You may use your card to get cash from ATMs or from a financial institution that accepts the card. You can also use your card to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to your account. Cash Advance Checks: Provides access to your Cash Advance Line by writing a check. You may use a check to pay for goods or services or to get cash. Cash Advance Checks are treated as Cash Advances.


WalMart credit card cash advance: Walmart has two great cards -- the Walmart Discoverr and the Walmart Credit Card. Find big savings on credit card purchases and manage your account online when you open a Walmart Discover card or Walmart Credit Card. Walmart's credit cards give you the flexibility you want for making the purchases you need, with great benefits and no annual fee. Click here for rate and fee information. Earn cash back on purchases when you use your Walmart Discover card. Even better, use your Walmart Discover or Credit Card at the gas station and you'll save money at the pump with a discount on fuel. Open a Walmart Discover card or Walmart Credit Card at Walmart.com today and start saving. Get a cash advance at the time of purchase: Get up to $100 quick cash in $20 increments when you make a purchase with your Walmart Discover card or $60 quick cash in $20 increments when you make a purchase with your Walmart Credit Card at Walmart-owned registers in Walmart stores. Limit one per day. This cash advance will appear on your monthly billing statement like a purchase. Subject to credit approval.





Magnum Payday Advance - Multiple Payment: * Variable, multiple payments provide greater flexibility * Borrow 30% of your monthly pay * No rollover fees or hidden charges * Private, convenient, and fast * Better than a Flat Rate loan. Magnum Cash Advance provides short-term installment loans as an alternative to a payday loan. Why is a short-term installment loan from Magnum Cash Advance better than a payday loan? Installment payments are smaller, making the payoff easier. These smaller payments prevent you from having to constantly roll over (extend) your loan. In addition to offering multiple payments, Magnum Cash Advance offers customer service that sets the standard for the short-term loan community. For example, online access to your account allows you to conduct your business privately and efficiently from your home or office. The integration of technology and customer service gives Magnum's Cash Advance customers access to their account information 24 hours daily. SSL Security - We secure our website using SSL for your protection. Teletrack - We employ TELETRACK retrieval and reporting. A default on your loan will be reported and your ability to obtain future loans will be compromised. At Magnum you can pay the loan off ay anytime and you only pay for the number of days you have the money, (Other companies trick you by giving a low 'teaser rate' for your first loan, and then the regular flat rate. They do not tell you that these flat rate loans force you to pay the same fees if you borrow for 2 days or 14 days, which is unfair). The majority of payday loan borrowers need a cash advance for 45-60 days, not for 2 weeks. To avoid the early payoff penalties associated with flat rate loans, Magnum loans are scheduled smaller payments for 60 days automatically. With Magnum you can pay off early and only pay for the days you had the money. Unlike other companies that require you to repay the loan on the next pay day, Magnumcashadvance.com will allow you to take multiple pay days to repay the loan. By extending the number of payments, payments are smaller. you avoid rollover fees and save money. In addition, you may obtain additional funds before your loan has been paid off. These additional funds are obtained via our Rapid Cash Extension. A Rapid Cash Advance is a fast and easy way for a returning customer to obtain a loan from Magnum. For example, if it has been two months since you have taken a loan, visit our web-site and click `My Account.' Then select "Apply for a New Loan". It is that easy! If you prefer, you may contact customer service at 866-406-6800 and we will process your request via telephone.


American Express Cash Advance - We can help in an Emergency - Behind every Cheque is someone who can help in a travel emergency, 24/7, so you can get back to your vacation fast. We'll replace lost or stolen Travelers Cheques, and if you lose your credit card(s), we'll help you replace them 24/7, when you carry American Express Travelers Cheques. Foreign Currency Travelers Cheques are also available. Travel now, pay later, when you use The American Expressr Card , The Gold Card or Rewards Gold Card available in Puerto Rico or U.S.Virgin Islands. With the Sign & Travel program* you can extend your travel charges any time you make pre-paid travel arrangements or whenever you purchase travel tickets. Simply ask the travel agent or sales person to put the charge on the Sign & Travel program or call us at 1-800-327-1267 once the charges appear on your statement. The Express Cash feature gives you instant access to cash, up to your cash advance limit, at over 500,000 ATM's worldwide. Your Card may have been automatically enrolled in this feature - if so, your Personal Identification Number (PIN) has been mailed to you separately. For inquiries about this feature, you may call 1-800-CASH-NOW, or the number on the back of your Card. * Enrollment in Express Cash is required. Funds are drawn against the cash advance limit on your Account. Cash withdrawal limits apply. Transaction fees are 3% for each transaction, with a minimum of $5.00 and no maximum. The ATM owner may charge additional fees for each transaction. This service is not currently available for withdrawals in Puerto Rico and the United States.






Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

CardRatings.com Review - Copyright © 2011 CardRatings.com. All right reserved.

The legal business name of our organization is U.S. Citizens for Fair Credit Card Terms, Inc. (CFCCT). We are a for-profit organization devoted to educating consumers about credit cards. While we are primarily focused on U.S. consumers, we also offer consumer information for U.K and Canadian consumers. We were founded on August 15, 1998 in Little Rock, Arkansas. Our web site, CardRatings.com, began operating the same month. Arkansas is an ideal home for us because credit cards issued by Arkansas banks have historically been viewed as being consumer friendly, particularly in regard to interest rates. We provide an independent source of consumer information and are not owned or governed by any banking or credit card interest.

Our organization was founded in response to a growing national backlash against credit card debt. Curtis Arnold, our founder and a nationally recognized consumer advocate, knows firsthand the devastating financial effect of credit card debt. He struggled with credit card debt for several years during and after his graduate studies in business at the University of Texas at Dallas. At one point, Curtis had over $40,000 in card debt.

We pioneered the concept of offering ratings of credit cards in 1998. We are devoted to being the leading source of objective credit card rating information and are, in fact, the most comprehensive source for card data. We currently offer consumer information regarding approximately 500 unique credit card offerings, including a searchable database. On a related note, we are proud to provide all of the data (card terms and conditions) for the credit card and atm/debit survey published by the New York State Banking Department, the oldest bank regulatory agency in the nation. For more information about how we rate cards, please click here.

We also offer over thousands of consumer reviews of cards written by consumers throughout the country (new reviews can be added daily). We do not know of any other organization that offers more consumer reviews of credit cards. Disclosing such information often helps consumers find more attractive credit cards and, in turn, helps them lower their credit card debt. Another added benefit is that such disclosures encourage stronger competition among credit card issuers.

Since our founding, we have expanded our role and online offerings. For example, we now provide ratings of credit cards that are consumer friendly in terms of rebates and rewards. Such cards are geared toward consumers that do not typically carry balances (i.e. consumers that pay off their cards each month). We have also started to recognize credit card issuers that have highly rated cards by creating a "Top Rated Card" award seal. Another example of our expanded role is our independent research on consumer credit related issues. Our most recent research project surveyed consumers regarding their opinions and awareness of gas rebate credit cards. Finally, we are also now publishing consumer data related to atm and debit cards.

Another example of our expanded role is our initiation of a community outreach program. We are pleased to actively participate in financial education efforts by being a National Partner of the Jump$tart Coalition for Financial Literacy. Jump$tart is a non-profit organization that seeks to improve the personal financial literacy of young adults (K-12 and college students). We are proud that Curtis Arnold, our founder, is co-chair of the Arkansas chapter of Jump$tart.

We are proud of our accomplishments and owe all of our success to consumers like you. Our website has quickly become one of the most popular sources of consumer credit information. In fact, we are now the most comprehensive free source for comparing credit card offers. Millions of consumers are exposed to our site each year and we are regularly featured by respected national media outlets, such as The Wall Street Journal, Good Morning America, The Today Show on NBC, PBS, The New York Times, etc. We were recently named by Liz Weston of MSN Money as one the 'Top 6 Most Useful Sites on the Internet for Managing Credit' (June 2009). Liz is the most-read personal finance columnist on the Internet.

U.S. Citizens for Fair Credit Card Terms, Inc.
CardRatings.com
201 W. Broadway, Suite #G12
North Little Rock, AR 72114

 







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.
 

FirstAmerigo.com Review - © 2008 First Amerigo Funding All rights Reserved

First Amerigo can help you with a short term installment loan.

Two good examples of installment loans and Bad Credit Loans would be a traditional mortgage and an automobile loan. These installment loans are for a fixed term and have fixed monthly payments. Unlike lines of credit, installment loans have a maturity date in which the personal loan will be satisfied. A common example of this would be a 30 year fixed mortgage or a 60 month automobile note. Both have a predictable monthly payment and maturity date. Revolving credit is structured different. With short term loans the re-payment obligation is based on the outstanding principle. In essence, with revolving credit and lines of credit you are given a set amount you may borrow. This is also known as a credit limit. You may spend as much, up to the credit limit, or as little as you need, and the line of credit is always available for future use. Installment vs. revolving credit? Both are popular and can be used for almost any use. Also, installment loans and revolving lines of credit require no collateral and little documentation. This allows for instant installment loans to close within two business days and there is no need to put valuable assets at risk. First Amerigo embraces the opportunity to achieve your financial needs with our proven ability to keep mistakes to a minimum and attain great results. This process for obtaining installment loans and short term loans is passed on to you with confidence. Simply by calling, or submitting an application, you can benefit from the following:

* Same day decision
* Short Term Loans
* Great terms
* Secure and confidential
* Experience and results
* No collateral required

Unsecured Signature Loans - Get pre-qualified for an instant unsecured personal loan today. Signature Loans are available to individuals who have established a responsible credit history. The term signature loan comes from needing only a signature to finalize the loan. Unsecured personal loans, or unsecured signature loans are installment loans and come with predictable re-payment terms. Signature loans and unsecured loans are ideal for bill consolidation, auto repairs, vacations, taxes, emergency cash or almost any personal financial need. Also, signature loans and unsecured signature loans require no collateral and little documentation. This alows for signature loans to close within two business days and there is no need to put valuable assets at risk. First Amerigo embraces the opportunity to achieve your financial needs with our proven ability to keep mistakes to a minimum and attain great results. This process for obtaining unsecured signature loans is passed on to you with confidence. Simply by calling, or submitting an application, you can benefit from the following: 

* Same day decision
* Free consultation
* Great terms
* Secure and confidential
* Experience and results
* No collateral required

First Amerigo is a leader in bad credit personal loans online!

An unsecured loan (the keyword is unsecured) is a safe way to borrow the money you need and use it for any purpose. The attraction is that Bad Credit Loans require no collateral. As with a traditional loan, security as significant as or greater than the principle amount borrowed is necessary to obtain the "secured loan”. Commonly referred to as a home equity line of credit, a collateralized loan is less risk to a lender when property is pledged as collateral. With foreclosures at an all-time high, and the “credit crunch “ effecting the economy, credit is a commodity and should be considered the pulse of the economic body of America. With a Bad Credit Personal Loan, no collateral is required to gain the funds you need. Also, another highlight of a Bad Credit Personal Loan is the loan is granted with little or no documentation. This can be of great convenience to the borrower. In most cases, upon approval of the loan, the funds can be available within the hour and with no real paper work. Not only are Bad Credit Personal Loans Online convenient, anyone may qualify. A responsible credit history and a high credit rating is not needed. First Amerigo embraces the opportunity to achieve your financial needs with our proven ability to keep mistakes to a minimum and attain great results. This process for obtaining Bad Credit Personal Loans and Unsecured Personal Loans is passed on to you with confidence.

Unsecured loans can be used for almost any use. What is the difference between unsecured loans or unsecured lines of credit and secured loans? Why are unsecured loans an advantage to the borrower? When a borrower pledges property as security to the lender for a loan, the loan is “secured”. The security or personal property that is obligated can become the lenders if the loan is considered by law delinquent. This is common with foreclosures. The home being pledged as security and received as secondary payment when a contract is breeched. Collateral loans, also known as HELOC or home equity lines of credit, are less risky to the lender. With such collateral considered as secondary payment options, it is considered a “good risk” by the credit company. Quick Unsecured loans or lines of credit are favored by borrowers because no collateral is necessary to obtain the loan. Common with instant unsecured personal loans, the decision is based on the credit profile of the borrower alone! There is not a secondary payment for the lender to fall back on. And, unlike a traditional secured loan, unsecured loans or quick loans can close as soon as two business days. This is due to little documentation required by the lending institution. Just another highlight of instant unsecured personal loans. Because there is no collateral, there will be no delay in funding due to appraisals. Little paperwork is another reason fast unsecured personal loans close generally within two business days. Unsecured loans or lines of credit can be used for almost any use and are a great fit for individuals with a proven credit history.

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