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Personal Loans

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  • From $1,000 to $25,000
  • Rates from 5.7% APR to 278% APR
  • 3-36 month repayment

Short Term Loans

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  • Apply to borrow up to $3000
  • Rates From 278% APR – 1576% APR
  • 3-12 month repayment

Looking for a personal loan can be exhausting and time consuming. It might feel like you’re wasting your time researching if you need it fast, but trust me, your research will be the key to getting you your loan.

How long does a loan usually take to get approved? That depends on your lender. Here are a few things that you should look out for when trying to get a loan fast.

What are the requirements for a personal loan?

When applying for a personal loan, or any loan for that matter, you need to check your credit score. The most commonly used rating in the US is the FICO score. FICO rating scores your credit from 300 to 850. 700 being considered as good and anything below 650 is considered to be bad. So the better your credit, the better your chances of getting approved.

Lenders have what they call a preapproval, this is where they do a soft inquiry on your credit scores. You’ll be asked to provide personal information such as your bank information, monthly or annual income, and how long have you been employed for.

How long does a personal loan get approved?

Depending on where and which lender you’ve applied from, it can vary from a few days to weeks.

Banks and Union Credits

If you want to take out a loan on something that you’re familiar with, you might want to give the banks a try. As long as you meet the criteria and have the requirements the bank ask of you, there shouldn’t be any problem at all.

Credit Unions aren’t much different, although they may provide you with lower interest rates, them being a non-profit organization. Both aren’t a good option when you’re in a hurry as it can take a few days to a couple of weeks to get approved.

Online Lenders

There’s a lot of online lenders that are popping up right now, and most of them offer reasonable rates. When in need of money fast, online lenders should be a good choice as they generally have the fastest approval rates among all lenders. But make sure that you’re dealing with a credible and legitimate lender, otherwise you’ll end up losing more time and money.

Before even applying for a loan, asses yourself.

The more time you prepare, the faster you get approved. Here are the things you can do to asses yourself.

  1. Figure out how much you need and never borrow any more than that. By doing this, you avoid applying for another loan again because what you asked for wasn’t enough, or you can potentially have trouble repaying the debt of you borrowed way more than you can pay.

  2. Understand the thought process of lenders. The rate of how fast you get approved depends on how well your credit score is, how reasonable is the amount you’re borrowing, and the personal information that you’ve provided them.

  3. Checking credit history or reports is never a bad move. By checking your report annually, you’ll have a pretty good idea of where you stand, and if you spot some errors, it can easily be disputed and corrected.

  4. See if your economic health is stable enough to avoid paying your debts every month.

By doing all these things, it will boost your chances of getting your loan significantly. Best of luck!

Same Day Loan Through Paypal

If you’re looking to get an interest-free loan, PayPal Credit is one option that you can consider. The payments provider has since allowed their shoppers to borrow money in order to make purchases. This allows PayPal to work as a credit card that works exclusively online. 

Just like any credit card, as long as you get the balance paid within 56 days, you won’t have to deal with interest rates. If you make a purchase of more than $150, the interest-free period can extend to four months and all you need to do is just make the minimum repayments, making it a really convenient option for those that shop online and are a bit short on cash.

Borrowers that want to take advantage of this opportunity will need to have a PayPal account first. This is easily set up though since it only takes a few minutes to get an account open and start shopping afterwards. When you decide to apply for PayPal Credit, you’ll find that the process is usually easy as well. Once approved, you can expect to get the credit on the same day. Credit cards, on the other hand, usually takes longer. 

One thing you do need to take note of when getting a PayPal Credit is that it will involve a credit check, as is common when you apply for a loan. A full credit check can have an effect on your credit score which is why you need to careful when signing up for this type of loan. This might make it a little difficult for you to get mortgages, credit cards, or even some bank accounts as a result. 

There will also be no indication whether you are approved or not. However, you do need to meet the requirements that PayPal has set which include being at least 18 years old and a UK resident. You will also need to be earning at least $10,000 annually and should not have any bankruptcy or CCJs on your name. Since they’ll do a credit check, it is important to have a good credit history too. 

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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