Get Your Cash Offer
You can have your quote for a $1000 loan in just a couple of short minutes and all that you have to do is enter some basic information. In addition, there is no charge and you are not committing to anything.
Not sure if a loan is the best way to get the 1000 dollars that you need? Keep reading and learn more about the loan process and some potential alternatives that might work for you. In order to be a responsible borrower, you should be an informed one.
How Do Loans Work
It is all very simple and quick. Follow the link above and go fill in your information, it takes just a minutes. Then the completed form goes to the loan network where it will go from lender to lender until you get an approval. If approved, the lender will send you information on the terms and conditions of the loan. If you like what you see, you simply accept the loan and you can sign electronically for it. Then your lender will deposit money directly into your bank account, as soon as the next business day.
Step 1: Fill out the form.
Fill out the form at the top of the page. It just asks for some basic information like name, address, contact information and income information. It should take just a few minutes to complete the form. When you are done, simply accept the terms and submit your form.
Step 2: Get Your Offer
Once the quote form hits our network, it will go from lender to lender until someone is found that wants to make you an offer. That is the great thing about a loan network, it gets you better odds of approval. With an individual lender, if you get denied, it is all done. With a network, if you get denied your info simply moves on to the next lender. This repeats until you get an approval or exhaust the list. If you need 1000 dollars now, it might be the quickest way to get it.
Step 3: Review Your Offer
If a lender decides to make you an offer, they will send you the details of your 1000 dollar loan. If you like what you see, you simply accept the loan and your lender will deposit the money into your account as soon as possible. Loan proceeds may be deposited into your account as soon as the next business day.
Bad Credit Loans
The great thing about working with a loan network is that you have many different lenders with many different criteria. This means that even if you have bad credit, you might get approved.
Of course, with bad credit, your rates will be higher but this is probably something you were expecting. How high? It is hard to say, since we are not direct lenders. To find out, you will need to get your free personal loan quote. It takes just a few minutes to get your answer.
- How long is the loan form?
Very short, it takes just a few minutes for you to complete and you can do everything online with your computer, tablet or smart phone.
- How long do I have to pay my loan back?
In most cases, the loan will need to be paid back on your next payday. If you receive a loan offer, you should read the terms specified by your actual lender because terms can vary.
- What is the most money I can get?
Installment loans can be received in amounts that range all the way up to $50,000. You may receive a quote for an installment loan or a payday loan, depending on how much you request.
For payday loans, the amount you can borrow depends on your state. Every state has different laws that specify the maximum amount of cash advance loans. In Seattle for example, it is currently a $700 loan but in Texas, you can take out $1000. In any case, only take out what you need to get by because the more you borrow, the more fees you will have.
- What if I can not repay my loan on time.
Once again rules vary by state. You may be able to extend the loan but keep in mind that additional fees will apply. In some states you might be able to qualify for a payment plan. Contact your lender to find out your options just as soon as you know that you will be unable to pay the loan back.
- When will I get my money?
Most of the time, the loan money will end up in your account on the next bank business day. This deposit can be delayed due to banking holidays and weekends. Rest assured that your lender will get the money to you as soon as possible.
- Can the money be used for anything?
Yes, you can use your loan for anything that you like. Be responsible though. Only take out a loan for legitimate emergency expenses.
- What if I need more money?
No problem, simply apply for a personal loan and fill in the amount that you need. You can apply for an installment loan for as much as $50,000. They do not have the same limitations as a payday loan and often have less fees and lower interest.
- Can I get money by tomorrow?
In short, maybe. Many loans are funded by the next day but we can not guarantee it. The sooner you get your quote and accept it, the better your odds of getting your money as soon as tomorrow.
Alternatives To A Loan
It is prudent to think about your alternatives before taking out a short term loan. 1000 Dollars however, is not an easy thing to come up with for most people. Still, you can consider asking your friends and family for assistance. They may not be able to give you the full amount but a hundred dollars here and a hundred dollars there can add up. You can also look at selling unwanted items like electronics or old jewelry. Perhaps list an item on eBay or Craigslist. There are a lot of ways to earn a few dollars here and a few dollars there.
Basically, consider using multiple sources that will combine to form the full grand that you need. In any case, the less that you need to borrow, the less that you will pay in fees or interest.
Loans are nothing to take lightly, you need to read all of your terms and conditions before signing your contract.
In particular, look at what your 1000 dollar loan will cost you if you carry it to full term. Make sure that it is worth it to you.
Finally, keep in mind that cash advances or payday loans should only be used as a last resort. They are not long term financial solutions and can easily get you into trouble if you are not responsible with them. Loans and credit should be used responsibly. If you find yourself unable to pay back your loan or taking them out on a regular basis, please seek consumer counseling.
Consumer counseling can be found in many cities for free or nearly free. Check with your city government or local churches for information.