Consumer Loans
Consumer loans are loans that people get for all types of reasons, including mortgages, auto loans, school loans, and personal loans. These loans help people who would not otherwise have the money to do things like buying homes and cars. You need to have a good credit score and work hard to keep your score at a good level.
There are ways that you can check to see if you have the funds to pay for these loans. One such way is to use is this website: visit https://www.forbrukslån.no/forbrukslån-kalkulator/, they can help you calculate the loans fees. This can help you determine if you can afford to pay for the loan and not go into default.
There are many different lenders that can help you to get the loans that you need. One of the easiest loans to get is a personal loan. A personal loan can be used for a variety of things such as paying off some bills or going on vacation. They can also be used for paying for weddings or honeymoons or other things such as that.
To obtain a personal loan you must fill out an application where you will give all your personal information, including your name, address, job history, and wages. They lender needs this information to see if you can afford to pay back the loan. Some personal loans are required to be secured by some form of collateral – something that the lender can take if you cannot pay for your loan. Other personal loans are unsecured and just require your signature as proof that you will pay the loan off.
Listed below are some of the lenders that are willing to give you a personal loan with or without something to secure the loan. These loans have different interest rates and different payback times. Some can be as low as five percent interest with payback times as long as two years. You can get more information and a credit calculator that can help you to see if these loans will meet your needs. Most of these loans require a credit score of at least 600 to be able to be approved. Paydayloansnz.co.nz
- LendingPoint
LendingPoint is a loan company that has a low beginning interest rate of 7.99% if you have good credit. The worse that your credit score is, the higher your interest rate will go, up to a high of 35.99%. They offer up to thirty-six thousand dollars and a payoff period of up to sixty months.
These loans are unsecured, and you can get approved in as little as five minutes and have your money in the bank in as little as one business day. These loans can be used for anything that you want them to be used for.
- LendingClub
LendingClub has interest rates beginning at 7.04% and going all the way up to 35.89% depending on your credit score. They like your credit score to be at least between 600 and 640 – you can find out your credit score through a variety of online sources and by going to the credit bureaus and getting your credit report.
There are origination fees with this loan company and that begins at 3% and is deducted from the loan that they give you. You can get a loan of up to forty thousand dollars with a payoff period of up to sixty months. It takes up to seven days to be approved for the loan and it can be in your bank in as little as one business day.
- Avant
You can get a loan for as much as thirty-five thousand dollars and have a payoff period as long as sixty months. The interest rate begins at 9.95% and goes all the way up to 35.99%. There is an origination fee of 4.75% of the loan that is taken from the loan amount that is given to you.
You can get approved for this loan in as little as twenty-four hours and get the money in your bank in as little as one business day. You do not need to have anything to secure the loan, but they will sometimes ask to get you better interest rates.
- FreedomPlus
With this loan you will need a credit score of at least 620, one of the higher scores needed. There is an origination fee of at least 1.99% and the amount comes out of your loan. The minimum interest rate is 7.99% and it goes up to 29.99%, making it a lower top interest rate. They do not require anything to secure the loan, but you could ask to see if they will lower your interest rate.
You can get approved for the loan in as little as twenty-four hours and have the money in your bank in as little as forty-eight hours. You can get up to forty thousand dollars and have up to sixty months to pay off your loan. You can get more information about all these types of loans and more by doing a little research. Doing some research will help you to get the loan that will help you to find a loan that will help you.
Personal Loans with Credit Score Over 650
The following loans require credit scores of more than 600 and are a little more difficult to obtain without good credit. They are still all good loans; you just need to work a little harder to have the better credit scores.
- SoFi
The interest rate for this loan begins at 4.99% and goes to only 18.99% and has a payoff period of up to sixty months. You can borrow up to one hundred thousand dollars and the loan does not need to be secured, SoFi does not even have a secured option.
You can get approved for the loan in as little as twenty-four hours and you can have the funds in your account almost immediately after approval. This loan has no origination fees and has no penalty for paying the loan off early.
- Upgrade
Upgrade will loan you up to fifty thousand dollars and you can have the money in your account in as little as one day. The interest rate begins at 5.94% and goes all the way up to 35.97%. This loan has an origination fee of up to 8% but also allows you to have a payoff period of up to eighty-four months, lowering your monthly fees.
You will get lower rates if you have a checking account and if you do automatic payments for your loan. You can also have a secured loan or have a co-applicant to help you to get approved for your loan.
- Upstart
With Upstart you can get a loan of up to fifty thousand dollars and have it in your account in as early as the next business day after you are approved. Interest rates begin at 5.31% and go up to 35.99% and they give you a payoff period of up to five years. You can use these loans for anything, even education loans except in a few states.
The origination fee is not stated, but it is higher than most other lenders, but allows it to come straight from your loan. You need to have a decent credit score to qualify for this loan and you are not allowed a co-signer or co-applicant to help you to get approved.
- BadCreditLoans
This lender says that it can get anyone credit, even if you have bad credit, there is no minimum credit score needed, unlike the other lenders. You can get approved to as much as ten thousand dollars and have a payoff period of up to five years. The interest rates begin at 5.99% and go up to 35.99%.
The bad thing about BadCreditLoans is that they are a loan broker and will get your information to share with many lenders to get you the loan that best fits your needs. This can be a good thing, as well, because you can end up getting better terms that will help you out.
These are just a few of the loans that you can apply for and with most you need a decent credit score of at least 600. There are a variety of amounts that you can apply for, and they have a variety of interest rates and payoff periods that can help you to get a loan that will fit your personal needs.
