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There are moments in our lives when we run short of our financial capacities. Whether we are about to pay our outstanding bills, have a very important trip to go, or emergencies that really take our wallets off guard. The only solution for that is making a loan. Truth is, there are a lot of ways to make a loan, and technology has also been part of it for giving us the opportunities to make one. Here are ways on how to make a small loan.

Through your family and friends

The very first people who you think when looking for some way to make a loan are your friends and family. It is also quite easier and more manageable because they know what circumstance you are in that moves you to make the loan. However, this is also the most abused way of making a loan. So, they can offer you a loan when they can but pay them when you already have the means to do so. Never abuse their kindness on it.

Through Personal Lenders

Whether they may be online or in person, there are individuals or institutions that offer cash loans. They usually require little verification like your employment history, financial capacity, or your credit score. Most of the online credit institutions now only require at least two valid identification cards in order to qualify for a loan. However, loan approval and release usually take two to seven business days, so this is not recommended when you need the loan ASAP. 

Through Secured Loans

This is the loan that requires you to exchange an item for them to make sure the money they have loaned you is secured. The item is called collateral, and you can only get it once you paid the loan. They also release quicker and requires little verification and documentation before you get your loan.

When it comes to personal finance, there is always a fee attached to everything. This means that loans are no exceptions. With fees added to your borrowed amount, they can easily add hundreds of pounds to the overall loan cost. The last thing you want is to add more to your debt. Since it is next to impossible to avoid all of these fees, understanding what they are and minimizing what they are likely to charge you help.

When opening a loan, there are common fees that lenders are likely to add to your borrowed amount. Among these are:

Application fees are the costs for document preparation, processing, and review of the lender. The fee is for putting the loan together on your behalf. Compared to mortgages, personal loans tend to come with lower application fee. Even if you’re denied the loan, the fee involved is usually non-refundable.

Brokerage fees apply when you apply through a broker or those providing services that can connect you to multiple lenders. If there's a fee to be paid though, it is usually a flat one and will only be charged to you once you have been accepted for a loan agreement. To avoid the fee, you can go to direct lenders instead or find brokers that do not charge for its services.

Closing fees often include the application costs, brokerage fee, and the lender’s commission. Same personal charge it but it is most common in real estate transactions. To avoid the charge, look for lenders that do not charge the fee or try to negotiate it to lower it down.

Commitment fees are charged if you get a loan that doesn’t get immediately funded. This can be a fixed percentage or a flat fee from the amount that will be taken from the disbursed funds. To avoid the fee, go for loans that will fund you immediately.

Document preparation fees are charged by lenders as payment for drafting documents needed to process a loan. Generally, it’s a flat rate taken automatically out of the loaned amount. To avoid the fee, find lenders that specifically don’t charge this fee.

Similar to the document preparation fee, you may also be charged a processing fee. This is to cover the costs involved with underwriting and credit checking. It is also a flat fee and if lenders charge it, negotiate it since it is likely unavoidable.

How To Apply?

Applying for an unsecured loan is so easy. All you need to do is to select a loan of your choice. Provide your information in an online form provided on the lender’s website. Once you have completed all the necessary steps, just wait for a confirmation for your approval. It will only take a few minutes to get the results. Once it is in, you can get your money directly deposited to your account.

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