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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan

    

             

  

  

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.
  

                 

  

Good or bad credit pre-approved loan. Preapproved unsecured loan with no credit check, a secured loan or a refinancing loan.

 

     

unsecured pre-approved loan

     

Pre-Approved Personal Loan

Get a pre-approved loan for bad credit with no credit check. No security requirement.


     

get a car or suv pre-approved loan

     

Auto Loan - New, Used or Refinancing

New auto loan

Used auto loan

Refinance auto loan


     

mortgage pre-approved loan

     

Home Loan - New or 2nd Mortgage

New home loan

Mortgage refinance loan

Home remodeling loan

 

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

Application Denied for a Preapproved Loan to Pay Bills?

Easily reduce bill payments

Stop harassing creditor calls and collection agencies

Unsecured debt consolidation

 

Average Pre-Approved Loan Credit Score Requirements: The averages below are merely estimates to give you an idea of your qualifications for loan approval. For actual score requirements, contact the lender.

   

Score
Range
Risk
Level
Score 
Card

Comments

330-550

Very High

F

Likely loan application denied

551-625

High

D

If approved, loan rates will be high

626-699

Medium

C

Average loan approval and rates

700-725

Low

B

Loan approval with good rates

726-830

Very Low

A

Loan approval with lowest rates

    

    

Apply for a pre-approved loan for bad credit or no credit. Our loan lender network is ready to offer you a free quote. Get a payday unsecured loan or apply for a secured loan. If you have a vehicle half or more paid off, a home mortgage, or even just a bank checking account, you can get a pre-approved loan for bad credit or any credit. You can get a new auto loan, auto refinancing, a home loan or mortgage refinancing, or a personal loan. Apply online for your pre-approved loan today.



National Direct Payday Personal Loan Lenders

MyPaydayLoan: One of the largest direct payday lenders in the country and they never perform a credit check. They just added a new online application process where youíre now twice as likely to be approved for a direct payday loan. They also claim youíll get an instant approval response within 4 minutes of completing your online application. You must have an active checking account (no pre-paid account or savings account) to be approved for a loan and you canít have any outstanding payday loans. At this time, MyPaydayLoan is not offering loans to consumers who live in: Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Kansas, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, New York, North Carolina, Oregon, Pennsylvania, Virginia, and Wisconsin. Max Loan: $1000

Payday Direct: Payday Direct is a large company offering online direct payday loans and direct installment loans to consumers in 45 states. Payday Direct claims to have an online approval process that takes less than 5 minutes to complete. You must have an active checking account, be a US citizen and have a monthly income of at least $800 a month to be approved for a direct payday loan. Longtime member of the Online Lending Alliance. Up to $3000

Ace Cash Express: Ace is a longtime online direct payday lender thatís been in business since 1968. Currently offering same day cash in hand direct payday loans with over 1600 retail locations nationwide. They have low rates and promise a 48 hour satisfaction guarantee on all funded direct payday loans. At this time, Ace is only issuing direct payday loans to consumers who live in: Alabama, Delaware, Idaho, Kansas, Louisiana, Maine, Minnesota, Missouri, Nevada, Ohio, and Texas. $1000

Check City: Currently offering online direct payday loans & direct installment loans with hundreds of locations throughout the country. Very reputable direct payday lender with an easy application process. They accept applications 24/7 and will give you an automated decision within 5 minutes. At this time, Check City is only issuing direct payday loans to consumers who live in: Alaska, Alabama, California, Hawaii, Idaho, Illinois, Kansas, Maryland, Missouri, North Dakota, New Mexico, Nevada, Texas, Wisconsin, Wyoming, and Utah. Up to $850

RISE: RISE offers personal loans and promises to have a different approach to lending when compared to traditional payday loan companies. They let you pay off your loan over 4-25 months instead of in just a few weeks. Theyíll also let you choose your own loan term and the interest rate on your loan may decrease over time. Currently offering loans from $500 to $5000 for new customers. At this time, RISE is only issuing loans to consumers who live in: Alabama, California, Delaware, Georgia, Idaho, Louisiana, Missouri, New Mexico, Ohio, South Carolina, South Dakota, Texas, Utah, and Wisconsin. Up to $5000

LendUp: Brand new direct lender with a 5 minute online application process. LendUp is different than most direct payday lenders. They let you choose your loan amount and repayment date. They will generally approve consumers who have no poor credit or no credit. Lastly, LoanUp will send cash to your debit card in 15 minutes or less if you qualify! At this time, LendUp is only issuing loans to consumers who live in: California, Illinois, Louisiana, Minnesota, Mississippi, Missouri, New Mexico, Oklahoma, Oregon, Tennessee and Texas. We expect more states to come on board as we move into late 2014. Up to $1000

Cash Central: One of the largest direct payday lenders in the country thatís also offering direct installment loans as of a few months ago. They have a 24/7 online application process that will let you know instantly if youíre approved or not. At this time, Cash Central is only issuing direct payday loans to consumers who live in: Alabama, Alaska, California, Delaware, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Missouri, Mississippi, Nevada, New Mexico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming. Up to $500

Bright Sky Lending: Online lender that offers same day direct payday loans and installment loans. Bright Sky has a quick online approval process that doesnít require faxing or bank verification. Claim to never check your credit score or payday loan history. They also have a same day cash in hand option if you qualify for a payday loan. Up to $800

Helping Hands Advances: Online lender offering offering direct payday loans and direct installment loans throughout the country. Theyíre currently processing loans entirely online, no faxing or credit check is necessary. Assuming you qualify for a direct payday loan, youíll have the option of next day cash or same day bank wire if available. Up to $800

Payday Loan Today: Theyíre a large direct payday lender thatís been processing direct payday loans online for years. They have an instant approval process that tells you in seconds if youíre qualified for a $500 direct payday loan with a due date of up to 30 days out. Assuming you submit and qualify for a loan by 3pm PST, theyíll process and fund your cash advance that same day. Due to increased regulations, Payday Loan Today is only issuing direct payday loans to consumers who live in: California, Florida, Minnesota, Oklahoma, Texas, and Washington. Up to $800

Check Into Cash: Check Into Cash may be the largest direct payday lender in the country. They have an highly rated online application system and claim that youíll have an approval decision within 5 minutes. They also give you the option of picking up your cash that same day from any of their retail locations. Check Into Cash is only issuing payday loans to consumers who live in: Alabama, California, Florida, Illinois, Idaho, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming. Up to $1200

CashNetUSA: One of the largest direct payday lenders in the nation with over 4 million loans issued to consumers with bad to average credit. Currently offering both online direct payday loans and online installment loans. Use promo code NEWCASH50 for 50% off all loan fees through September! At this time, CashnetUSA is only offering loans to consumers who live in: Alaska, Alabama, California, Hawaii, Idaho, Kansas, Louisiana, Maryland, Missouri, New Mexico, Ohio, South Carolina, Texas, Utah, Virginia, and Wisconsin. Up to $1500

Net Credit: New direct lender offering personal installment loans with instant eligibility decisions through their online application process. You can borrow $1,000 to $10,000 and there are no borrowing limits for first time customers. Lastly, youíre able to repay your loan in fixed payments over a certain amount of time and build your credit history as well. At this time, Net Credit is only issuing direct personal loans to consumers in: Alabama, California, Delaware, Idaho, Georgia, Missouri, New Mexico, North Dakota, South Carolina, Utah, Virginia & Wisconsin. Up to $10,000

Loan by Phone: LoanbyPhone is relatively new direct payday lender that offers 2 to 4 week direct payday loans all throughout the country. They claim to have a 5 minute online application process with an approval process that lasts less than 1 minute. They also have a 24 hour call center available in order to expedite your approval process. At this time, LoanbyPhone is only issuing direct payday loans to consumers who live in: Alabama, California, Delaware, Florida, Illinois, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, and Wisconsin. Up to $850

Avant Credit: Avant is a large national direct installment lender that offers personal loans of anywhere from $1000 to $20,000. Avant offers direct personal loans with a 10 minute application process, competitive interest rates, late fee forgiveness, and they never require you to fax in documents. One drawback about Avant is that you usually need better credit then if you were just applying for a typical direct payday loan. They have a huge national reach and currently offer loans to consumers in every state except: Colorado, Iowa, Maine, Oklahoma, Pennsylvania, Vermont and Wyoming. Up to $20,000

 

What is a pre-approved loan? - Pre-approval is based upon known factors, such as income, employment, and credit requirements, and does not necessarily mean your application won't end up being rejected. Until a full review of an applicant's credit report, loan lenders and card issuers will grant pre-approval based upon what is known, and the final approval decision is after the report review. However, there are some loan lenders and card issuers who do not require a full credit report review.  Generally, these lenders and issuers will offer guaranteed approval loans and cards, versus pre-approved loan and card offers.


Payday Personal

 

Some online personal loan companies do not have any restrictions for those people who may have bad credit. Many try to work with clients to find a lender, to be able to approve customers with quick loans and the best possible customer service. Taking the maximum amount of security precautions to protect privacy is always a concern of cash advance lenders.

 

Their websites may offer not only a form to apply for cash, they may offer links to resources that can be helpful to learn about budgeting and money management. When there are bill problems or other emergencies, life seems to revolve around worrying and needing money to reduce some financial concerns. The quickest way to end constant stress, can sometimes be as simple as getting a small fast cash loan from a reputable company if family members are not an option.

 

To be eligible with many loan lenders, clients must be at least 18 years old, and some lenders require a checking account that has been active for at least 90 days. The amount of income required per month to apply, can vary up to $1000.00 a month. Employment and a consistent income is typically a requirement with some companies. A good phone number and place of employment may be needed for verification purposes. Many lenders offer some of the best prices, and may even offer discounts on fees for the first loan. Some never require a credit check, so if bad credit is a problem, it may never be known.

 

Some online small paycheck loans can be received by deposit into a bank account, by getting the money on a card that is used like a debit or credit card, or the cash may be ready for pick up at a particular store that is located nation wide. Some companies may give people reward money, when they send someone they know, who gets approved for a loan. 

 

Extensions are available with most lenders, for example, a loan may be extended, but there may be finance charges or fees that may need to be paid. It is best to repay the loan by or on the date it is due to avoid any extra costs. Extending loans can be expensive. People who get paid each month may need to make some kind of payment toward what is owed, and there could be a required minimum payment. Review any rules or charges for extensions.

 

Paying off short term loans early, may have some penalty fees, check with your lender for this information. Lenders usually have a database that they check to find out if the applicant has any unpaid cash advance loans that have not been paid. If so, it may not be possible to get approved. Faxing information for the loan, can be helpful and speed the process. It is easy to go to a business that sells office supplies and pay a small fee to fax information. Lenders may take some information over the phone. Make sure the lender you apply with, accepts applicants from your particular state.



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.
 

Loan-Doctor.org Review - The Loan Doctor 2009

When youíre talking about any type of guaranteed personal loan it usually means two things: first, the person seeking the loan probably messed up his or her credit at some point, which means the only loans available are bad credit loans. Second, guaranteed loans often refer to loans that an organization (such as the government or veterans administration) will back up so the lender can feel a little more at ease about getting their money. Again, with these types of quick personal loans youíre not going to be offered low interest rates or favorable terms in general. After all, your past bad behavior has proven that youíre a risky investment for any lender. Their ability to stay in business depends on how wisely they lend money. The up front fees and high interest they charge on your loan protect them from going through what you want to avoid most - bankruptcy. Recognize that they need to be paid for the risk theyíre taking, but while youíre paying them back youíre improving your ability to borrow in the future in a way thatís better for you.

There are going to be times when your life circumstances donít let you go through a long personal loan approval process. In those times fast unsecured personal loans are going to be your best bet. These are the kinds of loans youíd get at your local payday loan store - you walk in, fill out the paperwork, and often you have your personal loan disbursement within just a couple of hours. If youíre in need of emergency cash, these are the best loans for you, although they come at a price. If you donít want to get one of these in-store or in a bank you can always opt to look into online signature loans; these are ones which you can apply for at the click of a mouse. You might pay anywhere from 5% to 15% of the loan amount in fees, not to mention the fact that youíre going to end up with an interest rate that sneaks up on 30% - which makes even the worst credit cards look appealing. Borrow these loans wisely - theyíre for emergencies only.

Unsecured Personal Loans With Bad Credit: Your credit might get to a point where it would be pointless to check your credit anyway - so you might as well approach a lender who offers unsecured loans no credit check. They do exist, but this isnít exactly the premium lending world. These lenders are willing to lend to give loans to people with very bad credit, but not without covering their risk. The way they manage their risk and maximize their reward is by a) charging you fairly large fees when you take the loan out, and b)making sure the interest rate is in their favor - not yours. If you can handle these conditions then this kind of loan could be a good fit.

The Loan Doctor is a site about one of the most commonly used - and abused - financial tools today - credit. Credit cards and signature loans are the most easily accessible leverage available. Credit card companies rake in huge profits, reaching into the billions of dollars per year. The hard reality is that most of their clients are sinking into a financial hole they may never climb out of. But for a small percentage of their customers credit cards are their best friends. They can use them for everything from the day to day expenses of a business or to make wise investments. Not to mention all the free airfare you can get if you have the right rewards credit card.

On this site youíll learn about how to apply for credit cards as well as signature loans and the best way to use them when you get approved. Iíll talk to you about using credit wisely, balance transfers, increasing your credit limit, the best way to pay off credit card debt, and other topics that help you become a intelligent borrower. Enjoy.

Review Personal Loan Credit Score Requirements for Various Lenders
Understand the Different Personal Loan Application Forms for Secured, Unsecured, Short and Long Term Lenders
Compare Car Title Loans Versus Auto Loan Refinancing to get Equity Money
Even Bad Credit People can get Approved with Government Mortgage Loan Backing for Sub-Prime Applicants
How to get Your Signature Removed from a Cosigned Loan or Credit Card Debt?
Consider the Advantages of Buying a Used Car VS getting a Brand New Auto Loan
Before you Submit a Secured or Unsecured Long Term Personal Loan Application, Understand the Terms Including Interest APR and Installment Payments.
Private Party Personal Loan Lenders have the same Right as Professional Entities to Sue Borrowers for Non-Payment.
With Extra Payments, You Can Save Interest Money and Payoff Debt Faster. Use our Free Credit Card and Loan Extra Payment Calculator.
Getting approved for a mortgage loan after bankruptcy filing can be incredibly challenging but is not impossible.

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.
 

GoBankingRates.com Review - © Go Banking Rates

When it comes to finding the best personal loan for you, the bottom line for most people is going to be a favorable low interest rate. However, individual circumstances vary: Sometimes a person will need a loan sooner than a traditional lender can provide it, only need the loan for a brief period of time or they donít have the credit history necessary to qualify for the best personal loan interest rates.

Everyone experiences a financial emergency at least once in their lives, but not everyone is fully prepared to handle one. Whether itís an unavoidable car repair or costly trip to the hospital, an unexpected cash need can sometimes require a personal loan to cover expenses until payday. However, what do you do if your credit score isnít very good and itís hard to secure a personal line of credit? Youíll likely need a no credit check personal loan to obtain the emergency cash required.

Personal loans are a great tool for consumers to finance unexpected expenses like car repairs or large tax bills. However, your credit history isnít great, but you need a personal loan and youíre afraid youíre going to get rejected when you apply for one. Years ago you made a poor business decision that resulted in having to declare bankruptcy, and although you have been working diligently to regain ground, you still have bad credit.

Your credit history is often considered a barometer for your financial health. A lender will use your credit score number to determine your risk as a borrower. The lender will then decide the total amount for a personal loan you qualify to obtain. Lenders also take into consideration the length of the loan and the amount of money they will loan out-this may be reflected in the interest rates.

Personal Loan: Line of Credit or a Loan? It may be difficult deciding between using a line of credit from a credit card or securing a personal loan of some type to help get through the rough patch when the time comes. Every now and then people need access to money quickly to cover unexpected expenses. Each option has both advantages and disadvantages associated with them based on what you need to use the money for and how you plan on paying back the debt in general.

Peer-to-Peer Low Rate Unsecured Personal Loans - New data from peer-to-peer private individual lenders like Lending Club and Prosper Marketplace shows that many borrowers are taking on unsecured personal loans in this arena to avoid the high interest rates theyíre facing with other lenders. While peer-to-peer lending is still a relatively new concept, it is gaining ground in popularity due to its low interest rates and simple processes.

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