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Review our free Secured and Unsecured Personal Loan Tips and Other Funding Options.

 

Legitimate Personal Loans for people with bad credit:

There are many people who are not able to get a personal loan with a local bank just because they have bad credit. Yet there are legitimate personal loans for people with bad credit online. There are so many loan choices, consumers can compare fees, terms, conditions, and the different days that are set up for the loan to be repaid. 

 

Some of these personal loans require a payback date of the next paycheck and some will allow the loan to be repaid in a month or two. Because these loans are popular, the details for them vary among lenders.

 

Most require the applicant to be 18 years and older. Some require proof of employment and a credit check but other personal loan lenders do not make this requirement. There is also a faxless or a personal loan that requires a fax. Some lenders want a savings or checking account to make things faster, as they can make a deposit into an account within hours of applying for the loan once approved.

 

Be sure to check all the details for these online legitimate personal loans to get the one that can benefit your needs. Once approved, many deposit the money within hours or 24 hours or less. 

 

Loan With Instant Approval:

 

An instant approval loan is usually a loan that does not require a huge application and is an unsecured loan - like a payday loan. It may not require a credit check so people with bad credit may have a better chance at getting approved.

 

Having poor credit and wanting an instant loan by applying at a bank, may just get an applicant rejected. Banks typically have strict credit requirements for approving people for a loan.

 

An instant approval loan or rather paycheck loan, takes only minutes to apply and an answer can be swift. If approved, the money could be available in as little as a couple of hours or within hours. Companies that do direct deposit are able to get the funds to the borrower faster.

 

This is why the phrase "instant loan" often appears online, because this is a more stress free loan process, that does not require tons of paperwork or waiting days to get an answer.

Once approved, these loans progress quickly from the time the application is completed to the time the money is made available.

 

Some Instant approval loan applications do not require a bank account nor do they require faxes. Applicants must be 18 years or older to apply and job information may need to be provided. Many of these loans do not require any credit check, which is good if bad credit or bankruptcy is a problem.

 

This can be one sources for a loan, in those times when there is an emergency, auto repair, bills that are due, or for a doctor visit. These instant loans are helping thousands of people with all credit types get money they need instantly during emergencies.

 

Legit Credit offers resources to almost instant loans as the wait time may be very short for people who get approved.

 

Payday Loans:

 

* Payday loan companies have different terms, conditions, and

   rates.

 

* Review the repayment date for the loan.

 

* Review any fees to extend the loan.

 

* Review late fees.

 

 

Personal Loan, A Loan Agreement Between Friends:

 

Anyone could have a contract or personal loan agreement between friends or family. It would require some type of written contract that outlines the terms for the loan. It should be discussed if the loan will be repaid with or without any added interest or late charges and when the loan will be repaid. Such a contract can be useful for tax reasons as well as being able to pursue the loan amount in court, if not paid.

 

The written loan contract should have information about the lender and the person who wants the loan. Hopefully, borrowing money from a friend means the borrower may be trustworthy to repay the loan, but sometimes there can be problems getting repaid - depending on the friend. Many people use family or friends to get loans, and without problems. Having a written contract makes the lender feel a bit more secure about being able to legally pursue getting their money, if there was a problem.

 

It would be necessary to write a detailed loan agreement and then the borrower and the lender should each sign the contract. Be sure to outline details about the amount to borrow and repay, when it will be paid - each month or in one lump sum, and if that amount will have any other added fees. If the loan is monthly, be clear about the date and the amount to be paid each month. Date the contract and make sure to make it clear who is the lender and who is the borrower. The contract should give the real names of the people involved and not use nicknames. It can be a good idea for all persons involved, to take the contract to a notary, where it could be signed and dated.

 

Tips for Loan Agreements Between Friends:

 

* Write how much the loan amount is for and any fees that could be added

  for interest or late payments.

* Set a specific date for repaying the loan, whether monthly or in full.

* Write details about what will happen if monthly notes are not paid

   or the loan is not paid in full on the due date.

* Have some way of documenting monthly payments or one lump sum payment.

* Decide if there will be a co-signer on the loan contract,

   if so, they need to sign the contract too.

 

When there is only a verbal agreement, and the loan is not repaid, that may be money lost. A written and signed contract could be taken to court, in an effort to get the loan repaid.

 

 

 Credit Tip: April 22, 2014 Want a big loan but have bad credit? You may be able to get approved for over $10,000 dollars but it could be at a higher interest rate. Work on repairing credit over a few months to improve credit before applying for a large loan.

 

 

 

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