Fast Loan Quote
In just a matter of minutes, you can have an offer for the $7500 that you need. Even with bad credit, you may be able to get a loan offer. In any case, it is free to see and you are under no obligation.
How We Help
If you have less than perfect credit and need a loan, the last thing that you would want to do is go with a direct lender. Why? Because it will slow down getting the money you need.
This is because direct lenders have one set of qualifications that they look for. If you do not meet them or fit the mold, you will simply be denied for your $7500 request. No second chances, just game over.
A loan network, like the one we give you access to, is much different. A loan network is made up of many different lenders with all kinds of criteria. This means that there may be a lender in the network who is willing to make you an offer. Here is how it works.
First, you will take a few minutes and fill in the quote form at the top of the page. Basic information is all that it asks for so you can get it done pretty quickly. Once you are done, just agree to the terms and submit your quote.
When you hit submit, your loan will then go off to the network where it will go from lender to lender until one is found that will make you an offer. You will then be presented with the offer and have a chance to review the details.
Take this opportunity to thoroughly look at the details of your loan before you sign anything. You need to make sure that the cost of the loan is worth it. The cost is the total amount of money that you will pay if you carry your 7500 dollar loan to full term.
After carefully looking at the details, if you like what you see, you can agree to the loan and your lender will work on getting you your money just as soon as possible. In many cases, this will be the next business day.
Your lender will deposit your money right into your checking account and once you receive it, you can use the money for anything that you like. Here are some things that people often use loans from the network for.
- Engagement Rings
It is extremely expensive to buy an engagement ring. Sometimes, the time is right to pop the question before your bank account is ready. At times like these, it might make sense to take out a loan.
- Consolidating Credit Cards
The national average for credit card interest is 17 percent but it can go all the way up to 29%. This is insane interest that makes it hard to pay down debt. Often, an installment loan is the solution. It can allow you to pay off credit cards and combine your debt into one, easy to manage payment.
- Recreational Toys
This can include things like jet skis, Four Wheelers, dirt bikes, etc. The great thing about going with an installment loan is that it allows you to have cash in hand so that you can explore the used market. Save thousands of dollars off of the price of new purchases.
More Things To Consider
Taking out a loan is a big deal. Before accepting your loan, take some time to think about it. Make sure that it is the right thing for you and your situation. Here are some things that you need to consider.
Can You Afford The Loan
Just because you get approved for a loan does not mean that you can afford it. Write down all of your bills and expenses and then add the loan payment into that figure. Do you make enough money to pay everything or will you come up short.
If you think that you will not be able to make the loan payment, you have three choices.
- Skip On The Loan
It is never a good idea to take on a loan that you can not afford, even in an emergency. You would just be making the situation worse.
- Cut Expenses
To pay for the loan payment, one answer is to cut back on other expenses. Things like dining out, satellite, cable, internet, etc, can all be cut. With a little work, it is easy to shave 600 dollars or more off of an average budget.
- Make More Money
A part time job can make you enough to make that payment. Drive for Uber, work at Walmart, Target, Etc. There are lots of good choices out there.
Do You Have Other Options
A loan is a fast solution but you might have other ways to get the money that you need. So, if you need 7500 dollars now, here are three other ways to get it.
- Borrow From Family
If you have somebody in the family you can borrow from, a free loan is a great solution. Any time you can get away without spending money on interest, you should do so.
- Sell Something
You might not have one item that you can sell for $7500 but you might have several things that could add up to that amount.
- Take A 401K Loan
Borrowing from your retirement fund can get you a cheap low interest loan. In addition, the interest that you pay will go back right to you. Keep in mind you may face a penalty for early withdrawal.
- Get A Part Time Job
There are dozens of great part time jobs out there that can help you earn the money that you need. If you have time to wait for your $7500, this could be a good option for you. If not, you could at least use your part time job to help you pay your loan.