You have probably heard it all if you are looking for a tidy sum of money and you need it fast. Your credit history is too shady. Your income is insufficient. And the list goes on. But you have an alternative to brick and mortar lenders such as banks and credit unions.
The deal here is that you are looking for the right thing - a quick guaranteed unsecured loan - but you are looking in the wrong places. Guaranteed unsecured loans with cash in your hands in twenty-four hours are available; you just need to locate the lenders.
Lately, in response to the recent housing credit bubble burst, traditional lenders have raised their benchmarks for loan qualification of most every type. Online lenders rarely demand collateral. They will not give you the third degree regarding your credit history.
Just punch your browser with Personal Loan and you will be rewarded with scores of lenders who are eager to lend you money. You will even find brokers who will take your general information and quickly provide a list of lenders willing to lend to you in light of the information you have provided.
Get the Best
Because the troubled economy has caused many consumers to take hits on their credit records, and because banks will not lend to these folks, private lending companies have stepped into the hot market. You need to glean at least five lenders who offer the best interest rates and the most comfortable repayment terms.
Check that each of the lenders is reputable. Check personal finance forums or check their listings in the online files of the Better Business Bureau. Get a quote from each of the lenders and let each lender know that you have other lenders who are giving quotes as well. You may find yourself in the middle of an interest rate competition and that would be a good thing.
Never deal with a lender who says you are getting a favor because of your credit score. You are doing the lender a favor by offering your business. Never feel pushed into borrowing more than you need. Be sure to read all the fine print before you sign anything. You would be surprised what you might find there. Before you start divulging personal or financial information, make sure the website is secure.
Online application forms are easy to fill out and the documentation required can be faxed or scanned. You will need to offer identification issued by the government and your social security number. You will need to provide proof of job security and salary. You will also need proof of residency and you must have an active bank account (usually checking with direct deposit). Very seldom does the lender want to see your credit history.
We are in the instant information age because of the world wide web. Getting a guaranteed unsecured loan over the web is a super-simple process. All of the work can be done in the comfort of your home or office. You will usually get approval or rejection within minutes. If you are rejected, proceed to the next lender. You will ultimately find a lender who will work with you.
Once the money is in your bank account - usually within 24 hours, sometimes less -- the money is yours to do with as you please. Use it wisely. Bill consolidation would be a good use. Make your payments in a timely manner and under the conditions of the contract you signed. Doing so will put you on the right track to fixing your credit rating and make it that much easier to get a loan in the future to meet an emergency or to supply some make-life-better funding.
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