No one can be on the safe ground that one day he or she won’t face financial struggles. From time to time we are in need of some extra money to cover unexpected purchasing, such as bills for medical service, car accidents which result in, quite often, an expensive auto service and so on. In situations like that one of the best things to be done can be, of course, relying on bad credit personal loans. Needless to say that before lending you this type of a loan your credit score and certificate of income are to be presented, and only after the verification of the documents you will be given lender’s final answer: yes or no.
In many cases, resorting to traditional banks, those who cannot boast a good credit history, usually fail to be given the money. But they have got, at least a chance, a hope to be approved if they try their fortune at our service. Of course, we cannot guarantee that all applicants with poor credit can take it, only lender decides it after careful studying of all you details. But still there is a chance. One more plus if you choose us is that this kind of application does not require any extra paper work, phone calls and in-person meeting.
There 2 sort of lending has got to types: personal and installment. What differs those 2 types of lending is the repayment period. Installment is to be paid off from 7 months to 2 years. Of course the time span varies depending on a lender. The payday loan is to be paid off as soon as the borrower gets a salary. If your financial situation can’t wait any longer and must be solved as fast as it is possible, in other words, urgent, payday is the best thing that you can resort to. The whole process of application doesn’t take long, so if you are approved, you can get the money within several hours.
Bad credit personal loans VS other loans
Being pressed for money, actually, you’ve got several variants to choose. One of them, of course, is a traditional way of lending-banks. But in this case you can wait several weeks and even months before getting the money. The second variant is a payday. You can be given money within 24 hours, depending on a lender and some banking processes. What makes this type of lending more attractive is that it does not presuppose any extra paper work, which is considered to be very convenient for the borrower.
Of course it cannot be guaranteed that a person with bad credit score can be approved, but still there are chances for it. Sometimes stable income is what you need for being approved. Installment loans can also be a good alternative, but you’ll be much longer with a debt (the sum is to be paid off from several months to 2 years, for example).
One more alternative is a cash advance on your credit card.But there is one thing which is considered to be a challenge for users of credit cards, and the challenge is the control of your spending. Besides you’ll have a credit card limit which cannot be exceeded.
How can we help you?
Dealing with us you can solve your financial burden within a short time span. It has always been difficult to find a trustworthy lender. Having experience with us, you’ll be matched with a direct lender, and you’ll be keeping in touch with the lender until the money is in your account.
It is of high priority for us to make the entire process as simple as it possible for you. We are ready to answer all your questions if you have got any doubts. You can study before making your final decision the data about our APR and loan rates. All the lenders that we are dealing with are ready to disclose their terms and conditions. So before signing Online Agreement study carefully the data about terms and conditions.
The criteria for being approved
- Stable income
- to be a State sider
- Checking account is a must
The most important criterion for being approved, of course, is the ability to pay back the money that you’ve taken. So, lenders give much attention to the certificate of income. Also the lender can require some personal detail for keeping in touch with you.
How to apply for a bad credit personal loan?
All what you need is to fill in the fields of the application form. The information should be relevant, in some cases the lender can require additional details, for example, working place. Traditionally, you are to fill in the following fields: named, address, contacts and the amount of money you wish to borrow. As soon as you’ve filled in all the fields, press “Submit, and within a short time span (from 30 seconds to 5 minutes) you’ll be given the answer.
As soon as the lender gives you an offer you will know the amount of money that you can count on, interest rates, fees, date of payments, and all other terms and conditions that concerns the loan.
Don’t hurry up, before signing the Agreement, study the terms. If you are hesitant, you can ask our experts to help you, or to clear out some moments.
We do the best to match you with reputable lenders with fair terms and conditions. If everything is OK with the information that you’ve provided the lender with, the money can be transferred to your banking account the next business day in some cases it can be even less.
Dealing with us you you’ll have the following priors:
- The entire process is as simple as it possible
- Only direct and reputable lenders
- The information about our clients is not shared with third parties
- our website is secured with advanced encryption technology
- 24/7 consultation
- Direct communication with a lender
- Fair APR , terms and conditions for lending
- Dealing with us, you save your time
What is required from you is to pay on time without any delays. Many state laws do not allow extending the loan. If it is possible, mind about higher interest rates. In case of mispayment the lender has a right to refer to collection practice.
Every time before taking a loan, think twice if you can afford it to take and pay it off on time. Do it only in emergency cases.