Credit Tips and Learning Center

Personal Privacy and Security Policy

New and Used Car Loans and RefinancingSecured and Unsecured Credit CardsCredit Report, Score, Repair and ProtectionDebt Counseling, Settlement and ConsolidationNew Home Purchase, 2nd Mortgage ReFi, Cash EquityShort and Long Term Personal Loans

Credit Equation: You can't build credit unless you make use of it. The more you responsibly use credit, the greater your credit score. But using over-using credit to the point of accruing high debt, your score plummets. Your individual income and spending habits should dictate how; and when, you use credit.


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.


Personal Loan Payments: In addition to providing cash, some personal loans can also benefit bad credit people and even no credit borrowers if the loans are repayed timely.

To best the best benefit out of repaying monthly installment personal loans, is to make certain the payments are received by the lender no later than the monthly due date. But, you don't want to payoff the loan too early. Most lenders do not charge an early payoff fee, but advancing payments too quickly may not give your credit as high a boost. You may not receive any credit boost whatsover if you payoff the loan shortly after receiving it. Creditors like to see you are capable of sustaining a long term payment plan, particularly when you approach them for extra large loans.

If for whatever reason you can no longer make the monthly payments, contact the lender ASAP and arrange for a loan modification to increase the repayment term, whether by a few extra months or years.


Personal Loans for
All Credit Types

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



Instant short term loan approval. National lenders offer no credit check loans for bad credit without needing a cosigner.


Get emergency cash with a fast funding, unsecured short term loan.

The short term loan is based upon the frequency of your paydays and the date you accept the loan. You are also offered the opportunity to extend the short term loan if you cannot repay it upon the date you established. The benefit of this online loan is that you don't have to visit your local bank, plus you can get approved even if you have bad credit. Apply above for your short term loan today.


Short Term Loan Application Preparation - Short term loans are called such as they are not appropriate for long term cash needs. Before you apply to a lender, first check:

Is the Payday Lender Licensed? Contact the Department of Financial Institutions to verify that you are dealing with a licensed lender.

Does the lender have the lowest rates and fees? Compare lenders, banks and credit unions which offer short term loans to see who has the best deal.

Are there references you trust? Ask friends and family members if they can recommend a payday lender.

Other Preparations:

  • Note the repayment date. The last thing you want to do is run up extra charges for late payments or for rolling over a loan.

  • Borrow only the amount you are certain you can repay by the original due date.

  • Never borrow another payday loan when you still have an active payday loan.

Final Thoughts:

  • Before you commit to a short term loan, consider other loan sources. If the reason you want the payday loan is to pay bills, instead of getting a loan call your creditor(s) and ask for a payment extension. If the extension has a fee but it's lower than what a payday loan would charge, that may be best.

  • Whether you use a cash loan or not, create or adjust your budget so you won't have to borrow one again.

  • Pursue a person to person personal loan from friends or family members. Another alternative is a P2P lending network online, though these may not offer much savings over a payday loan.


Don't want a short term loan? Apply for a secured loan

auto loan

Get a cash long term loan using your auto as collateral - auto refinancing.

Or get a New auto loan or a Used auto loan

home loan

Pay off bills with a home equity loan

New home loan

Home remodeling loan


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

Long term help vs a short term loan.

Easily reduce bill payments

Stop harassing creditor calls and collection agencies

credit counseling or debt settlement


Are short term payday loans bad? Often unsecured bad credit loans receive negative press, but there's no disputing the fact that they have helped millions of Americans by providing the financing they need to avoid late payments, fund car repairs, pay an emergency medical expense and to meet other urgent needs. These unsecured loans for bad credit people are more available than most any other type of consumer financing. Such lenders are among the waning few who openly accept troubled credit and even no credit history applicants. The are certainly the number 1 resource of unsecured guaranteed loans since their easy approval standards make it possible for almost anyone to receive cash with no lengthy paperwork and with no cosigner regardless of very bad credit.

Short term loan approval: To get approved for a short term loan, the standard requirements are to be a US citizen residing in the US with a minimum $800 monthly income, and a checking account for the lender to deposit the funds into. If you meet these minimum requirements, you may get up to $1,000 or more from a preferred short term loan lender. If you need $5,000, $10,000 or more, review information regarding the availability of; and options for, a secured or unsecured long term loan.

Short Term Loan: Has a bank denied your unsecured personal loan application? Apply for a no credit check guaranteed loan and get fast cash in your hands as quick as one business day. A payday advance is an excellent way to get a no credit check loan for bad credit or any credit. It has a higher interest rate than a simple, long term loan, because it provides a high risk loan to most anyone with an active checking account.

View other short term loan info and join our online financial newsletter.

Credit Card Use: With today's electronic capabilities, using credit cards to manage finances are even more beneficial. For people needing to rent a car, make reservations, or to purchase things for a business, they are the most convenient way to pay. Using statements can be an ideal way to track personal or business expenses.


Cards come in a variety of shapes, sizes, colors, and designs that fit many personalities. They can be placed on a key chain or personalized using your photo. They also vary in price for having the privilege of carrying them. Some do not have any annual fees, and those with the most perks may have a yearly fee. Some credit cards can have fixed rates, while others have variable rates. Choosing the right card can be a valuable financial tool, to get free benefits and rewards that match the spending habits of the cardholder.


Benefits of Having Credit Cards:


*They can be used to get a cash advance.

*They can be safer and easier to have rather than having to carry cash.

*They give people the power to purchase goods and services.

*They give consumers certain protections under the law.

*Major cards are accepted by merchants all over the world.

*They can be used to secure travel accommodations.

*They can be used to reverse charges for purchases that were unsatisfactory.


To qualify for a credit card, applicants must be at least 18 years old and have a regular source of income. Even though pre approved card offers may arrive in your mailbox, does not mean you will actually be approved if you complete the form and mail it back. Issuers will only grant credit to those people who have the credit scores that indicate they are not a risk. Lenders like to see good payment history on reports. People with bad credit may only be able to get approved for secured cards or guaranteed card offers.

First Bank of Delaware Personal Loan: First Bank of Delaware has a loan to meet your needs. All come with the expertise of a knowledgeable professional who will take the time to get to know you. Personal Unsecured Installment Loans: Whether you're looking to consolidate existing debt, make home improvements, or cover any other expense, you can borrow any amount and take advantage of a great interest rate. Approval is subject to credit underwriting guidelines - Let First Bank of Delaware lend you a hand. To learn more about our wide array of loan programs, call 888-FBD-3511

Horizon Cash Advance - Horizon Cash Advance strives to be the best online resource for cash advance loans. Our customers have repeatedly commented on the easy use of our online application, the quick response they get, and our courteous staff. Our cash advance specialists offer cash advance loans and no fax cash advance loans for people in the United States, including Alaska and Hawaii. No credit checks are done, so you can be at ease if your credit is less than perfect! FAQs: Do you a offer faxless payday advance? Yes, this makes it much easier and faster for our customers. How much can I borrow at a time? You may be eligible to borrow up to $2000. Will you do a credit check before I am approved for a cash advance loan? No, we do not base our cash advance loan approvals upon credit. Do I need collateral for a cash advance loan? Absolutely not! Our loans are strictly cash advance loans, we do not make car title or similar loans. Once the balance of my cash advance loan is due, do I have to pay the entire balance? No, if you forsee that paying off the balance is not possible, simply let us know that you will only be making the interest payment at that time. The loan will be carried over to another due date. Do I need a co-signer for a cash advance loan? No.

Money Tree Cash Advance: At Moneytree, every payday loan application is reviewed by one of our Loan Application Specialists, not just a computer. Moneytree payday loans are intended to bridge the financial gap between paydays and should be used for short-term financial needs only. Our mission is to be the best provider of retail financial services online and in-store. If you have questions about the payday loan application process, please call one of our Loan Application Specialists today at 877.613.6669! Moneytree cashes all types of checks. Our team members are committed to cashing every type and size of check that is presented. Moneytree Installment Loan: Moneytree Installment Loans are now available! Moneytree offers an Installment Loan that you can repay over several months; loan limits are based on your income. Whether you're looking for a short-term or long- term installment loan, the fees and terms will meet your needs. The Moneytree Installment Loan Secured With Your Car Title: A Moneytree Auto Installment Loan is perfect for anyone who needs to borrow money to help cover life's unexpected expenses. You'll have up to a year to repay and an active checking account isn't required to qualify!

Zip Payday Advance: Many people find themselves with an unexpected expense that cannot wait until payday. With so few people having access to friends or family members with money, payday loans are an acceptable financial alternative. Payday loans are readily easy to secure when you are in a financial bind. Get qualified in minutes, simply complete our online form. In general, consumers must have an open bank checking account in good standing with an ability to accept direct deposits and regular income. Most lenders require that the borrower be at least 18 years old and make a minimum of $800 a month. The terms of a payday loan vary by lender, state, and individual circumstances. Finance charges usually range from $15 to $30 on a $100 loan. The loan term is usually two weeks ?" the amount of time until the borrower's next paycheck. The Annual Percentage Rate (APR) for a loan of $100 with a 14 day loan term usually ranges from 391.07% to 782.14%. Complete disclosures of APR, fees and payment terms are provided by the lender in the Loan Agreement.

Some paycheck cash advance lenders offer short term loans beyond two weeks. Applicants can get loans for 45-60 days. There are also long term cash advance loans up to $2500. One commonality for most all long term lenders is an installment cash advance. Long term cash loans no credit check; however, are typically limited to those which specifically approve bad credit people. For loans above $2500, you can plan on having to authorize a credit check as part of the application process. As each lender may have different approval requirements, they may also offer a different long term cash incentive plan to new or repeat borrowers to increase their customer base.

Tax Refund Cash Advance: There are many advantages of a tax return loan. We all know how hard it can be to wait for our money at tax time. We know that we have thousands of dollars coming, but that wait can be longer than we can take. If the government says that you will have your money within 2 weeks, but your landlord wants the rent by tomorrow, then your money can't come soon enough. In this type of situation, a tax return cash advance can help. So, just what is so great about a tax return loan? Every year, when a citizen of the US does their taxes, they get a refund, owe money or come out even. When they get a refund, they often have to wait. The shortest waits are usually 2 weeks if they money is being directly deposited into a US bank account. If you are mailed a check, the wait time can be even longer - sometimes months. With a tax return loan, you can get your money now, when you need it, instead of waiting for weeks to get the things that you need and want. A company -- like Cash Advance Alliance -- will loan you up to the amount of your tax return (minus any fees) and are paid back with your tax return check. There are no additional costs outside of your tax return amount, when you use Cash Advance Alliance. You can get quick cash payday loans to up to the amount you are getting minus our fees, so that the amount you owe is never more than your refund. If you owe the government money, they will likely take that from your tax refund before they send it to you and therefore you may not qualify for a tax return loan.

Weekend Payday Advance - There are a large number of companies that offer payday advance services and determining the best company to use is dependent on your requirements. It is important to consider what you need before you start to shop around in order that you can get prices for exactly the same sized loan over the same period. This is the only way you can hope to compare the prices on a like for like basis and subsequently find out which of the loan companies has the most ideal loan that is suited to your needs. Once you have done this you will be in a position to confidently apply for the easy payday advance that you need knowing that you have sourced the best deal available for your requirements.

Money Store payday loan - National Money Store: Direct Lender - Faxless - No Application Fee. You need fast cash and that's exactly what we offer. Whether it's an unexpected bill, car repairs, family emergency or you are just trying to avoid costly non-sufficient bank fees, we can help. Get your payday loan by phone. Call 1-877-913-7500 and one of our customer service representatives will fill out the application for you. We do not have a limit for the amount of times that you may use our service. However, we do require that you remain in good standing with our company. Please keep in mind that our payday loans are designed to be used as a short-term cash flow solution and not to solve long-term financial problems.

Copyright CreditFederal.Com long term bad credit personal loan with monthly payments and no credit check, pre-approved credit cards and free debt settlement.