Personal Loans

Another emergency? Your savings need not go down for that cause. Get a personal loan today!

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  • Any Credit Score Considered
  • Swift Approval Decision
  • Safe & Secure
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What Are Personal Loans?

One thing is common to illnesses and unexpected expenses - they come at the most inconvenient times. Sometimes, expenses jump at you when there's no cash on ground and your credit score isn't good enough to get a bank loan. What do you do? Get a personal loan.

A personal loan is a type of financing issued by a lender to a borrower, where the latter is expected to pay back in full plus a fixed interest over a fixed period of time. We are a loan broker that connects you with willing lenders who'd offer you some loans even if you've got a bad credit. Get started with us today!

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Benefits of Obtaining Personal Loans

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Finance emergency expenses

An upcoming wedding, expensive car repair or emergency medical bill isn't enough reason to deplete the savings you've accumulated over time. You can simply take out a personal loan to cover these bills.

Improve your credit score

A personal loan can help improve your credit score. Here's how. Your credit score improves when you take out a loan and are able to fulfil your repayment commitments.

Obtain higher loans than is possible with a credit card

If you're in a precarious financial situation, chances are that your credit card can't finance a heavy bill. But even with a not-so-good credit score, you can get a few thousand dollars in personal loans.

Long-term solution to debts (Refinancing)

Refinancing involves obtaining a new loan to settle an outstanding one. It is a popular long-term financial tactic for borrowers struggling to pay off their debt. But it's only a financial solution if the interest rates of the new loan are smaller than those of the debt.

Steps to Take Out Personal Loans Online

  • 1

    Submit your info

    We will provide you with a simple form where you are to enter all relevant information pertaining to your employability status, income and basic personal information. Then, submit. Simple and easy!

  • 2

    Compare quotes from direct lenders

    There are tens of direct lenders willing to lend you some money. But before settling for any, you may want to compare their quotes to see which goes down well with you more in terms of approved loan amount, interest rates and repayment terms.

  • 3

    Accept offers & funds

    After choosing an offer, you may need to provide some final details like your bank account information. Then, sign the loan agreement. This, of course, can be done online. You should get credited as quickly as the next business day once you sign.

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Why Use Our Services?

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    Fast & easy process

    The application process is fast and easy. No stress, no queues, no fuss. All you have to do is provide all relevant details as is asked in the simple form and submit. Then, we'll connect you with one of the 100+ lenders in our network. From there, all you have to do to get credited is sign the quote and loan agreements. Simple!

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    Reputable lenders

    To begin with, our partner lenders are SEC-accredited, Therefore, their activities are monitored and regulated by the Securities and Exchange Commission (SEC). In addition to this, they are credible and transparent in all their dealings with customers. Testimonies from past customers attest to this fact.

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    Bad credit scores okay

    Life happens and for one reason or the other you may have a bad credit score. But that's not enough reason not to meet up with your financial obligations. We have a number of partner lenders who are interested in giving bad credit loans to borrowers with bad credit scores.

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    No hidden fees

    We do not charge you any extra fee; neither do our partner lenders. The loan amount approved for you as shown in the quote is exactly what you get. We are committed to helping you sort out those emergency costs and we show this commitment in our actions.

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    Better offers

    Our partner lenders' interest rates and loan repayment terms are fair and set with the borrower's interest in mind. Depending on your financial situation, you may be allowed to repay in installments or allowed a longer repayment window. What's paramount to us is your ability to sort out those bills and get off debts.

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    Flexible payoff dates

    Our lenders provide their prospective clients with loan packages that are relatively easier to repay. Loans may be approved for borrowers to pay over 24 months or even more.

Can I Qualify for Personal Loans with Poor Credits?

Your credit score isn't so pivotal to approval for a personal loan. Your ability to repay and income is given more attention over your credit score. That is, you can get a personal loan even with a not-so-stellar credit score.

But you must be eligible for the loan in the first instance. To be eligible for a personal loan, you must have a checking account, be able to submit a proof of income, have a government-issued ID and social security number. For a car title loan in some states, you need vehicle insurance and title in addition to a proof of income.

Are Personal Loans Risky?

Personal loans are risky to both the lender and borrower. To the lender, a risk of not getting paid on time and to the borrower, a risk of getting into serious debts, especially where interest rates are high.

Default on your loan as a borrower and you could find yourself struggling to deal with serious financial penalties. In the case of a secured loan, you risk losing your collateral to the lender. For instance, with a car title loan, you risk ceding your vehicle ownership to the lender.

Useful Tips To Get Your Personal Loan

Commit only to loans with low interest rates

It's no news that the higher the interest rate, the more a loan will cost you over time. Before settling for a loan, do a comparative analysis with its alternatives to determine which interest rate will favour you more.

Be wary of credit card consolidation

Getting a personal loan to consolidate debts from credit cards is smart. But not always. Do your homework to see if the personal loan's interest rate is significantly lower than that of the credit card. Then, and only then, will that be considered a profitable venture.

Assess the motivation for getting the loan

Evaluate your motivation for obtaining the loan. Do you want to get a luxury product to show-off or satisfy some cravings? If so, getting a personal loan is probably not a wise financial decision. Borrowing for reinvestment or ponzi schemes is not any wiser either.

Do Personal Loans Require Collateral?

Traditionally, personal loans are unsecured and hence, do not require any collateral. The exceptions are car title and home loans where you secure the loan with your car title or home. Since they are secured, home and auto loans have longer repayment windows and lower interest rates compared to other types of personal loans. Personal loans without collateral (unsecured) have comparatively higher interest rates.

That said, the interest rates on personal loans are not as high as those on payday loans regardless of whether they be secured or unsecured, The credit limit on personal loans is also higher than that of payday loans.


  • What Determines the Amount I can Borrow?

    The maximum amount you can borrow, also known as credit limit, is dictated by the regularity and value of your income, your employment history, and the loan repayment terms, among others. Normally you can borrow up to $35,000.

  • When Can I Get My Personal Loan?

    Getting your personal loan approved is the first and major thing. Once that is done, you can expect to get credited anything between that moment and the next business day, all things being equal.

  • What Are the Differences Between Unsecured Loans and Secured Loans?

    The major difference between an unsecured loan and a secured one is collateral. In the case of a secured loan, an asset is put up as collateral for the loan. The collateral can be claimed if the borrower defaults on the loan. No collateral is involved in an unsecured loan.

  • What if I Am Late Repaying My Personal Loan?

    As with most lenders, you may be required to pay a late payment fee. But it depends on how late you are. Most lenders have a grace period of 2 weeks during which you won't be charged extra. If you foresee defaulting on the loan repayment date, it's recommended you contact the lender.

  • How Much Can I Borrow for a Personal Loan?

    This depends on the lender and your eligibility. The latter hinges on your credit score, debts and income. With our direct lenders, you can get $50 and up to $35,000.

  • Is Applying for a Personal Loan Going To Hurt My Credit Score?

    Yes, it can. But that's only if a lender runs a hard inquiry on your credit. Our partner lenders are conscious of this and will run only soft credit searches on you. This will not hurt your credit score.

Seize the Opportunity to Get A Loan Today!

Treat those emergencies like they are - emergencies. Get an emergency personal loan from our partner lenders today.

Get Started Today
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