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Personal Loan

A secured or unsecured amount of money lent to an individual for financing personal, family, or household purposes or for any consumable items. Usually unsecured and based on the borrower’s integrity and ability to pay.

Frequently Asked Questions

A personal, or consumer, loan is a loan that can range from $1,000 to $100,000. The specific loan amount that a borrower can acquire depends on the individual’s credit, as well as their state’s loan laws and regulations. Consumer loans are also known as signature loans, because there is no collateral required and only your signature is needed to accept the loan offer. These loans are a quick and convenient way to borrow the funds you need. You can request one from the comfort of your own home and have loan repayments taken directly out of your bank account on a set date.

You must be employed or have a verifiable source of income, the ability to repay the debt, and a stable credit history.

Copies of your tax returns from the two most recent years.

Repayment of a personal loan is a very simple process. We work with lenders who have online systems available to take electronic payments and manage your account. Each of our lenders also have customer service agents who are happy to take your payment by phone.

Most lenders accept payment through electronic funds transfer. You might be familiar with the process if you pay your bills online. With electronic funds transfer, every month on the due date you have determined with your lender, the payment will be withdrawn from your account automatically. You won’t have to worry about late payments.

Most payment plans are set monthly or fortnightly, but there may be other payment options available. To request a different payment plan, we suggest that you contact your lender directly.