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Personal Loans
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Loan amount
Select loan amount between $1,000 and $10,000
Term
Details
Personal loans are for individuals who would like to finance certain events in their lives that are not related to business expenses. While there are several ways to borrow money, many individuals choose to work with a personal loan. This is because the terms are typically short and interest rates are reasonable. In terms of finding a quick and easy way to come up with the funds needed to cover necessary items, personal loans are one of the top choices. Numbers and rates pictured are not accurate and subject to change due to applicant criteria and lender underwriting.
APR Range
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5.99-35.99%
Term
1-6 Years
Monthly
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$224
Show Details
Loan Amount:
$1,000 – $10,000
More Information:
Personal loans up to $10K.
Disclaimer:
We do not charge any fee or cost to submit a loan request on CashUSA.com. The APR on a personal loan from our network of lenders varies, with many lenders offering rates of 5.99% to 35.99% and loan durations between 90 days to 72 months, although the terms of your specific loan may differ depending on your qualification. Representative Example: If you borrow $1500 over a term of 2 years with a representative APR of 7.9%, you will have 24 monthly payments of $67.77, for a total amount payable of $1626.54 If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. CashUSA.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you. If we can’t find a loan offer for you, we may pass some limited information about you to marketing partners so you can receive offers for credit repair, debt relief or similar services.
APR Range
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12-35.99%
Term
1-3 Years
Monthly
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$311
Show Details
Loan Amount:
$1,000 – $10,000
More Information:
Personal loans up to $10K.
Disclaimer:
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice. WhiteRockLoans.com is not a lender or lending partner and does not make loan or credit decisions. WhiteRockLoans.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. WhiteRockLoans.com’s service is always free to you. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. WhiteRockLoans.com and its partners do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
APR Range
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17-32.5%
Term
1-2 Years
Monthly
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$325
Show Details
Loan Amount:
$1,000 – $10,000
More Information:
Personal loans up to $10K.
Disclaimer:
Bad Credit Loans is a marketplace that connects consumers to lenders. A personal loan from a lender or financial service provider often ranges between 5.99% and 35.99%, although APRs vary according to the information that is supplied by you in your loan request. Loan products generally have a 90 day minimum repayment term and a 72 month (6 year) maximum repayment term. Your lender will provide you with the APR, loan fees, and other terms when you are redirected to your loan agreement during the loan request process. Before accepting a loan from a lender within our network, be sure to read the loan agreement carefully, as the APR and repayment terms may differ from what is listed on our website, as we are not the lender. Borrow $2,000 for 12 months with a 19.9% representative APR and a monthly repayment of $183.63. Total repayment will be $2,203.56.
APR Range
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9-34%
Term
1-6 Years
Monthly
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$336
Show Details
Loan Amount:
$1,000 – $10,000
More Information:
Personal loans up to $10K.
Disclaimer:
Even Financial does not charge any fee or cost to submit a loan request on www.evenfinancial.com. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender or lending partner, and to accept the loan agreement made directly between you and the lender or lending partner. The lenders and lending partners we work with may charge an origination fee for facilitating the loan to you. For example, on a $10,000 loan with a 5% origination fee, you will incur a $500 origination fee and receive $9,500 upon successful issuance of your loan. Rate, terms and fees will be based on your individual credit history and underwritten by the lender and not by Even Financial, Inc. (“Even”, “Even Financial”, “we”, “us”, “our”) Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. Annual Percentage Rate (APR) Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, the cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws that may limit the APR that the lender or lending partner can charge you. Rates will vary based on your credit worthiness, loan size, amongst other variables, with the lowest rates available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend that you read the lender’s and/or lending partner’s personal terms and conditions in full before proceeding for any loan. Please note that any type of secured loan is tied to a financial asset that you already own and will be used as collateral to pay your loan should you not be able to pay. In some cases, a lender may keep a lien on the collateral until the loan is fully repaid. Even Financial, Inc. is the technology platform powering financial services online. Even’s API enables its partners to connect their users with real-time decisions and personalized offers and rates from premium financial services providers. Even Financial offices are located at 43 West 24th Street, 6th Floor, New York, NY 10010.Personal Loans
Personal loans are for individuals who would like to finance certain events in their lives that are not related to business expenses. While there are several ways to borrow money, many individuals choose to work with a personal loan. This is because the terms are typically short and interest rates are reasonable. In terms of finding a quick and easy way to come up with the funds needed to cover necessary items, personal loans are one of the top choices.
What is a Personal Loan?
When an individual borrows money from a lending company (a bank, a credit union) and uses it to pay for personal matters, this is a personal loan. These unsecured loans are what individuals apply for when they’re trying to finance an event. When they don’t have the immediate funds to cover, personal loans are a great choice. For example, personal loans can cover expenses brought on by:
Home improvements
Car repair
Weddings
Medical expenses
Sudden emergencies
Personal loans can also help with debt or credit card consolidation in certain circumstances.
Determining Eligibility
Because personal loans do not usually require collateral for approval, these loans are unsecured. This means that instead of having collateral in place, the loan relies on the agreement to repay the debt based on the applicant’s credit history.
However, there are times when a personal loan can be a secure loan, being that collateral is either used or required for the loan's approval. Often, secured personal loans are used when the applicant wants lower interest or does not have the financial history for unsecured approval. In these situations, the item or account that’s used as collateral can be taken by the lender if the borrower fails to satisfy the terms of the loan.
To determine whether an applicant qualifies for a personal loan, a lender might look at the applicant’s credit score and income records. They then weigh these records against other debts that the applicant handles. This is referred to as the applicant’s debt-to-income ratio (or DTR).
Along with determining an applicant’s eligibility, credit scores and other debts determine creditworthiness. This will impact the type of loan they’re suitable for, the length of the term, and the interest rate attached to the loan. The lower the credit score, the higher the interest rate is.
However, there are times when a personal loan can be a secure loan, being that collateral is either used or required for the loan's approval. Often, secured personal loans are used when the applicant wants lower interest or does not have the financial history for unsecured approval. In these situations, the item or account that’s used as collateral can be taken by the lender if the borrower fails to satisfy the terms of the loan.
To determine whether an applicant qualifies for a personal loan, a lender might look at the applicant’s credit score and income records. They then weigh these records against other debts that the applicant handles. This is referred to as the applicant’s debt-to-income ratio (or DTR).
Along with determining an applicant’s eligibility, credit scores and other debts determine creditworthiness. This will impact the type of loan they’re suitable for, the length of the term, and the interest rate attached to the loan. The lower the credit score, the higher the interest rate is.
Personal Loan Terms
Like most other types of loans, a personal loan is typically paid back to the lender in a monthly payment that’s fixed. This means that the payment does not change from month to month.
Personal loans are usually paid back over a period of 12 months to 144 months, which is roughly one year to twelve years. The average length of a personal loan is between two and seven years.
Interest rates are usually between 6% to 36%, depending on the borrower’s credit score and creditworthiness.
Personal loans are usually paid back over a period of 12 months to 144 months, which is roughly one year to twelve years. The average length of a personal loan is between two and seven years.
Interest rates are usually between 6% to 36%, depending on the borrower’s credit score and creditworthiness.
Shopping for Personal Loans
When looking for a lending company, it’s a good idea for applicants to research several lending companies before choosing. Different companies may offer different rates. Depending on whether the lending company is offering promotions, applicants may save money or get better rates.
While some lending companies may deny an applicant, another company may approve the application. This is because their protocols differ from other companies.
Shopping around for the best rates can help an applicant gain approval, even if they’ve been rejected previously.
While some lending companies may deny an applicant, another company may approve the application. This is because their protocols differ from other companies.
Shopping around for the best rates can help an applicant gain approval, even if they’ve been rejected previously.
Lending Fees
Depending on the type of loan an applicant has been approved for, they might incur certain fees as part of the loan’s terms. Such fees include:
Interest fees- this is simply the sum of money included in each monthly payment as a percentage of the total loan. For example, if you borrowed $5,000 and the interest rate is 10.4% over a three-year term, your interest fee would be approximately $23.39.
Origination fees- these are fees that some lending companies charge to process the loan application. They typically equal between 1% and 6% of the loan amount.
Penalties- these fees can occur in cases where the borrower’s payment is late, or in cases where the borrower pays off the sum of their loan early.
Applicants need to conduct careful research when seeking a personal loan. Reviewing the terms listed and being certain that they’re understood and agreed upon can improve the odds of borrowers satisfying the terms. With this, applicants are more able to fully pay it back with no surprises along the way.
