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Personal Loans

  • Instant Decision
  • 60-Second Application Form
  • From $1,000 to $25,000
  • Rates from 5.7% APR to 278% APR
  • 3-36 month repayment

Short Term Loans

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

Understanding the Terms in a Loan

If you have a business that has an immediate need for cash, a term loan is something you might want to consider. The loan provides the borrower with a lump sum payment of upfront cash, making it a good choice if there is an asset that you wish to purchase. A loan of this nature then requires the borrower to make regular payments over a certain period where he also includes the interest involved. Any businesses have been taking advantage of this loan option as it does not only allow them to get more cash access but also ensure that their cash flow remains healthy the entire time.

Secured and unsecured

Term loans can either be secured or unsecured. If you choose to sign up for a secured one, then you will be required to provide collateral. Vehicles, commercial real estate, equipment, and other similar valuable assets may be used as collateral for the loan. If you are not required to provide any collateral when taking out the loan, then you are taking out an unsecured term loan.

Loan terms

It is quite common for term loans to have terms of two to five years. In recent years, however, it is possible to take out a term loan or a much shorter term such as a year or less. It is possible too to choose to have it paid over a period of 25 years. A longer term of 25 years is common for those that are taking out a loan to finance a commercial real estate. Typically, how long the loan term is will be hinged on the type of collateral used and the purpose of the borrowing.

Generally, term loans can be short, medium, or long term. Short-term loans can last up to six months and are useful for immediate business financial needs. Medium-term loans usually last between two to five years. Lastly, there are the long-term ones, which can usually be paid off from 0, 15, or 25 years. 

What You Need to Know About Loan APR

When shopping around for a loan, you must remember that not all loans are the same. One thing that distinguishes a loan from another is APR or Annual Percentage Rate. APR was introduced by the government as a standard in calculating the interest rate of loans, thus every lender should utilize it in order for consumers to have a basis of comparison. The law states that all lenders should be transparent with this information.

In getting a loan, you should not only look for the interest rate for the borrowing since the APR reflects the real cost of the borrowing, including loans, credit cards, and mortgages. Every loan provider must compute the loan APR using the standard formula so that consumers can make fair comparisons when taking out a loan. Thus, every bank and lending company should indicate their APR in advertising their loan products and services. Law also mandates that every lender must explain the computation of the interest applied on a loan to every borrower.

APR is Not just the Loan’s Interest Rate

In calculating the APR, the lender includes the loan’s initial fees, the interest rate and when such is applied (annually, monthly, weekly or daily), plus any other fees or costs that must be paid by the borrower.

To help you decide which lender to choose in taking out a loan, look at each prospective lender’s APR and make a comparison. It can help you decide which loan offer suits your current financial status and circumstances. 

Choosing the Best Company to Apply for a Short Term Loan

There will come a time when you will need to get a loan. It could be for an unexpected emergency, a car that you want to buy, a dream vacation that you want to go to, or a business that you want to fund. In looking for the best loan company, there are key factors that you need to consider.


One of the most important factors that you need to look for in a loan company is its reputation. There are plenty of loan providers out there, but not all are legitimate and authorized to offer loan products. One of the best ways to look for a reputable loan company is by asking people you trust. Another way to do this is by checking out reviews online and find out how the loan company treats its customers.


The government requires loan providers to inform borrowers about their loan products’ interest rates. There should be no hidden charges and fees as everything must be clearly indicated in the loan contract.


Sad as it may seem, it is true that traditional lenders and banks rarely allow someone with bad or poor credit to get a loan. Fortunately, there are online lenders who are willing to provide a loan to borrowers with imperfect credit. Online lenders offer flexible borrowing schemes so it is easier to work with them.

Looking for the best loan company for your needs and situation can be challenging, but it is possible with a little patience and research.

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.

Provide Your Information

Enter your personal details in order to process your application. It’s easy and fast!

Choose Your Loan

We have a wide list of options for you to choose from. Select the loan that is best for your needs.

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