Personal Loans

About Personal Loans

An unsecured loan is a loan that is not backed by collateral, only your signature (signature loan) When you borrow money, the lender may require nothing more than your promise to repay the debt. Unsecured loans usually involve less documentation. Obtaining an unsecured loan is usually quicker and does not require a formal closing. There is usually just an application, a promissory note, and perhaps a payment schedule. This differs from a loan involving collateral. UK Residents Click Here

Reminder: never send anyone money in advance of a loan. Anyone telling you to do this is a scammer, no matter how nice and convincing they sound.

What is a secured loan?

A secured loan is a loan backed by collateral. When you borrow money, the lender may or may not require you to pledge collateral to guarantee repayment of the debt. If collateral is pledged, then you have a secured loan.

Collateral can be anything of value. (It can be money, real estate, automobiles, future interests, personal belongings, business assets, livestock, or anything else that has worth.)

Did you know that your home's equity is one of the best sources of cash? For homeowners, interest rates are often quite low. With equity, you can finance big-dollar expenses, such as car purchases, home remodeling, or medical expenses.

Of course, you are funding these things with a secured loan if you chose to use equity; your home is the collateral. But, if you have the discipline to make the payments, you can save a lot of money over using credit cards.

Remember: On secured loans, If you do not repay what you borrow, then the lender may use your collateral to satisfy the debt. Equity is an often overlooked source of money, and is a great way to pay for things you need. Equity is much more cost efficient than high interest credit cards. But make sure you can make the payments, on time, every month.

Though you may think you want a loan, you may not realize how easy it is to eliminate your debt. We now work with Credit Solutions, who has been featured on NBC, to help consumers understand all of their debt options. In addition to our debt-related content found in our Library, we also want to offer you an opportunity to get in touch with a real person today. You do not have to be a homeowner. If this program isn't for you, then simply select the loan of your choice below.

You do not have to be a homeowner Excellent and prompt customer service J.D. Power & Associates Certified Very short form - Just 4 questions Debt-free in 12 to 36 months Featured on NBC
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Loan to $1,500 - Fast Cash

New! This is a very easy loan to qualify for. There is no credit check and nothing to fax. You get the money within 12 to 24 hours, right into your checking account. Your cash is deposited into your checking account by the next business day. Approval happens within minutes under most circumstances.

Borrow Up To $1,500
No Paperwork or Faxing
No Credit Check
Receive Your Cash Within 24 hours
Cash for Anything, Especially Emergencies

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Loan to $15,000 - Credit.com

Credit.com offers a wide range of lending services from personal loans to credit cards and debt consolidation. From their very simple form, you can easily apply for debt counseling, consolidation and even get credit monitoring.

Borrow $500 to $15,000
Unsecured, just your signature
Instant pre-approval
Very short and fast loading form
Non-homeowners/Renters apply here!

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