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What is a Credit Rating?

A credit rating is the score that the major credit reporting bureaus give you. This score is higher if you have proven responsible with your finances by making timely repayment of debt and credit cards. The higher your score, the lower the risk in lending to you.

Can I get a Loan with Bad Credit?

Absolutely. We offer money to borrowers with all types of credit history. As long as you have proof of employment and regular income, you can qualify for an installment loan. Just provide a few key personal details and you can be approved in just minutes.

What can I use a Bad Credit Loan for?

Anything. Once your lender approves you , based on your financial standing, you will receive your money in just a few hours. You can do whatever you like with this money—go shopping, pay bills, or, even, use it to repay your loan.

What is a Short Term Loan?

These are the loans to be repaid in a limited time period, usually from a few months up to two years. These short term funds are designed to help borrowers meet an unexpected emergency like a car accident or medical crisis. Once approved, the funds are deposited in the borrower’s bank account in just a few hours. Often a credit check is unnecessary to obtain money approval because these are approved on the borrower’s ability to repay.

Is a Payday Lending the Same as a Short Term lending?

Not exactly. While a payday advance is also meant to help with an emergency, it usually has different repayment terms from a short term loan. Most payday advance must be repaid by the next paycheck, which is usually a couple of weeks or a month. The interest on a payday cash advance is usually quite high.

If I am Out of Work, can I still get Money?

If you are on some type of financial assistance like Social Security, disability payments or pension, you may still be able to qualify. The size of the loan will usually depend on the amount you receive through your assistance program.

Can I do anything to Improve my Credit Score?

Yes. By getting approved from an installment lender and making punctual payments, you will be raising your credit score. If you successfully fulfill the terms of repayment, your credit rating will improve, making your borrowing easier to get and cheaper to finance.

What is a Debt Consolidation?

If you have one or more high interest loans, a debt consolidation pays them off. This leaves you with a single loan that has a lower interest rates or more comfortable repayment terms. Many debt consolidation allow you to use a property as collateral to make the interest rate lower and monthly payments more affordable.

What is a Car Loan?

Many car owners are willing to use their automobile as collateral. By securing the loan with property, you are improving your chances of approval and obtaining a loan with more generous repayment options like a lower Annual Percentage Rate, lower monthly payments or a longer period for repayment. A car finance is usually an outstanding option, if you have a poor credit rating.