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Personal Loan application articles and tips


Payday Personal Loans: Submit an online personal loan application. Good credit people may qualify for a large limit personal loan of up to $10,000 or more. If you qualify only for a very bad credit personal loan, compare various pre-approved loan offers from lenders who approve no credit check loans with online instant approval.

Loan Application Rejected? If your bank denied you for a long term unsecured personal loan with monthly installment payments because of your credit problems, consider a short term loan or other guaranteed loan. Perhaps you can borrow from multiple unsecured personal loan resources to get the large cash limit you need.

Don't forget that there are secured as well as unsecured loan providers. You could get a small unsecured cash loan or a large secured personnel loan using an asset as loan guaranty.

Fast Payday Loan: When you need money quick with no collateral and no credit check, consider an unsecured high risk loan. Between paydays, this is a good alternative as a short term loan to pay bills or as an emergency loan to pay unexpected expenses like a car repair. Learn the benefits of payday advance loans and common uses, and review alternative unsecured cash loan options including loans for unemployed people and small business loans.

Payday Loan Interest: A payday advance has no interest structure because it charges a fee versus an APR. Some borrowers often use a payday loan to repay a payday loan from another lender, or to roll-over their existing loan term. Before you apply online for a personal loan, carefully review all terms and conditions. Browse for more payday and personal loan resources.


If you want to lend a friend or family member a person-to-person personal loan, use our free personal loan calculator to determine monthly payments.


Unsecured Loan - Get up to a $10000 unsecured loan with good credit or up to a $1500 bad credit loan with no credit check.

Payday Loan Benefits - Many of us occasionally run short on cash because of unexpected bills, emergencies, accidents, illness and other reasons.

Personal Loan - Apply online for an unsecured personal loan, and learn the pros and cons between a Personal Loan and a Payday Loan for bad credit people.

Payday Loan Lender Information - Payday Loan Lender Information: A payday loan, also called a cash advance or a personal loan, provides a small, unsecured, short term cash loan in advance of payday.

Bank Payday Loan Lenders - Banks Associate with Payday Lenders. Since consumers often need a small, short term loan but many do not qualify for a tradictional, long term personal loan, the number of banks are providing payday advances through agent assisted loan programs is increasing.

Bad Credit Personal Loan FAQs - Learn about and apply online for a bad credit personal loan.

Unsecured Bank Loan - The Community Financial Services Association of America (CFSA), the national voice of the payday advance industry, has a stringent set of guidelines for agent-assisted bank loan programs. Members use the guidelines when partnering with banks to provide short-term, small denomination loans.

High Risk Personal Loan Application - Do you have bad credit and are looking for a high risk personal loan application?

Credit Union Payday Loan - Credit Unions offer their own loan program version of a payday loan.

High Risk Cosigner Loan - High risk cosigner loan facts, and how to avoid having good credit turn to bad credit.

Highly Personal Loan Lending - Personal loan lending is becoming increasingly personal as more people offer person-to-person loans even to those with bad credit.

Private Party Personal Loan - More private lenders engage in offering an online personal loan.

Unsecured Personal Loan Risk - Payday personal loans are designed to offer fast cash to bad credit people on a short term basis, yet such unsecured loans can have a long term impact without timely payoff.

Unsecured Loans Making Bad Worse - High risk unsecured loans offer easy cash even to bad credit people. But if not paid off timely, the short term payday loans deepen debt fast. Desperation to pay off monthly bills can put personal finances at risk. Payoff higher priority debts and charge off lower priority.

Secured Unsecured Low Interest Loans - Low interest rates abound, for both secured loans and unsecured loans. Get a loan to payoff bills at higher rates and improve personal finances, or to take that well-deserved vacation.

Personal Loan and Cash Advance - Differences between a traditional unsecured personal loan and a payday cash advance, history, and where to submit a bad credit personal loan application.

Bad Credit OK Loans - Though the credit crisis has reduced financial options for subprime people, some lenders do still offer 'Bad Credit OK Loans' and you can apply quickly and easily online.

Bad Credit Payday Loans Offer Unsecured Cash for Poor People - The federal government proposes changes that could completely terminate bad credit payday loans, though this financial option offers unsecured cash for poor people.

High Credit Risk Areas - You may be a high credit risk because of where you live, but thankfully there is still an unsecured, no credit check loan option.

Unsecured Payday Advance or Loan Shark - Who will poor and bad credit people turn to for emergency loan funds if government legislatures ban payday loans? Compare unsecured payday advance personal loans to those of loan sharks.

No Credit Check Bad Credit Loans - Apply for a no credit check bad credit loan. Review government legislations to control subprime interest rates and fees. Did you know, it is in the interest of the lender to offer you the lowest rate and least fees as possible?

Personal Loan for NonHomeOwner - The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Unsecured Personal Debt Consolidation Loan The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Bad Credit Lenders Facing High Risk Banks across the US report bad credit loans are adding to the high risk mortgage problems

Personal Loan Application A personal loan application is easier than ever, but consumers are using them less

Payday Debt Consolidation Loan Whether you want a payday loan to pay off bills or if you want a debt consolidaton loan to repay cash advances, consider these options

Payday Loan Fair Credit Borrowing Do payday loans offer more equal opportunity lending when compared to the approval process and interest rate determinations of other loans?

About Payday Advance Loans How payday loans work and the advantages for the borrower

Bad Credit Payday Loans are good for the Econom by stimulating it with new purchases and paying bills. Apply for a no credit check payday advance

Bank Emergency Loan Program - The federal government extends an emergency loan program to give banks access to more long term cash loans.

Emergency Loan Funding - Free credit tips for emergency loan funding. Cover urgent expenses with a short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.

Need Loan to Pay Bills - Solutions to cover expenses.

Online Loan Convenience - Online loans; particularly unsecured personal loans, are the quickest and easiest way to get cash fast. 

Payday Cash Loans - Why payday personal loans are a popular financial choice: The loan process is extremely simple, and qualification is easy.

Person-to-Personal Personal Loan - Do you; or a family member, need to borrow money from one other? For such very personal loans among family and friends, consider this advice.

Looking for a no bank account personal loan? There are benefits when these two are combined.

Private lender, person-to-person personal loan agreement.

Bank checking account personal loan installment payments and other facts.

Largest Unsecured Personal Loan

Loan without Checking Account Routing Number

Payday Loan Problems / Complaints

Payday Loan without Working or Work Verification

Personal Loan with No Fees Upfront

What are Alternatives to Payday Loans

Personal Loan Application Terms

Private Party Personal Loan Lenders

Personal Loan Credit Score Requirements

Personal Loan Application Forms

Cheaper than a Payday Personal Loan

Personal Loan Applications

Short Term Personal Loan Pros and Cons

Personal Loan Comparisons

Payday Personal Loan Affect on Credit Score

How to Stop the Cycle of Payday Personal Loans

Most Popular Unsecured Personal Loan

Government High Risk Personal Loan?




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Home Loan: Stop paying rent and live the American dream.


Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.


Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.


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Free Help: Personal finance newsletter, credit advice and tips.


Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.


Joint Personal Loan Application: When you have no collateral and problem credit, it can be difficult to find a bank or other financial entity to loan you cold hard cash. One way to secure approval for an unsecured personal loan, is to offset the lenders risk by applying with a co-signer. Whether single or married, this is an option for all trouble credit people. It's not uncommon for one spouse to have far better credit than the other, plus the more people the lender can pursue for repayment the lower the risk.


Personal Loans for
All Credit Types

Short Term Loans
up to $1,000
Long Term Loans
up to $5,000



Emergency loan options (as available): Instant approval loan to pay bills, or a long term personal loan to repay over time. Use your unsecured loan for car repairs or any reason when you need quick cash.


You don't need to wait days for approval. Payday loans are designed to get you through a short term financial need or emergency without having to apply for a personal loan which requires a credit check, and may even require a co-signor. But with a payday emergency loan, there are no credit check hassles.

With a payday loan, all you need to be approved is usually a steady job with around $800 to $1000 a month in income. With a bank personal loan you are required to have good to excellent credit, and possibly collateral such as a auto. If payday loans were not available, bad credit consumers would have limited alternatives for an emergency loan.

So what can you do when you find yourself in a cash emergency? You can choose to pawn personal property, borrow from those you know or go the quick easy route and apply for a pay day loan online. Approval usually takes only minutes, and you can even have money wired directly to your bank account.

Payday Loan Benefits:  Get a payday emergency loan
Emergency loan in as little as one hour. Flexible repayment schedules. You may extend the loan. No collateral or co-signor.


Auto refinancing emergency loan.

Other emergency loan option:
Get a cash loan using your auto as collateral - auto refinancing.



Even no credit and bad credit people can get an instant approval emergency loan with no credit check. It takes only minutes to apply, and you can use the cash loan however you want. Get an unsecured loan to pay bills or for any reason.


A payday advance is an excellent way to get a no credit check loan for bad credit or any credit. It has a higher interest rate than a simple, long term loan, because it provides a high risk loan to most anyone with an active checking account.


When people need a loan, payday loans are the most popular way to get money fast. Many states allow consumers to get as many loans as they want, while other states only allow a person three a year. This is one loan option that continues to help people who may have financial problems and have no other alternatives. Many lenders approve some applicants almost immediately without delay. Within hours funds may be available in their bank account, to spend as they wish.


Repayment terms can vary from a couple of weeks to a couple of months, it depends on each lenders' terms. Because of the hundreds of unsecured cash loan lenders online, there are terms to suit just about everyone. Like any other credit that is applied for, all terms and conditions need to be understood, including extending the loan or paying late fees. Emergency loans solve small needs for cash, some examples are, paying for college, buying school clothes or supplies, or paying a few bills so they won't be late.


Having a job for several months is required by some lenders, yet others only require a proof of a monthly income. All require that the person is a United States citizen, eighteen years or older. To be able to get the money within hours, an active bank account may be needed. Credit ratings are not an issue with some lenders, as they do not do a credit check, so this helps people with bad credit have a better chance of getting approved. Although, thousands of people with great credit apply for these loans, because they are quicker than some other options.


The online process is very simple and the form is usually short. The terms and conditions are posted on websites, so nothing is hidden from an applicant. Usually there is a toll free number that can be called. It can be best to apply first, and wait to be contacted. Sometimes the loan amount they approve people for could be higher or lower than what is requested. It is best not to over borrow just because it is available.


Establishing Your Own Personal Emergency Loan - The absolute best emergency personal loan is one which charges no interest, and it actually pays you interest. How can that happen? By creating your own emergency fund. Here's some tips:

Save what you can: Even if you can only set aside a few dollars a week, you'll already have more than you already do if you have no savings account. As you add a few more dollars here and there each week, you'll see that fund growing like a strong money tree. Keep it fed.

Consider an automatic draft from your paycheck or checking account into a savings account. Even if it's a low interest account, your money is safe from your pockets.

Add the emergency funding to your budget, and treat it just like any other debt you owe.

Double and triple deposits: Each time you complete paying off a bill; or you eliminate an expense, place at least half of that into your emergency fund.

Control your spending urges by placing restrictions on money access: If you have trouble curbing expenses, place your funding into a money market account, CD or other source.

Coin jar: At the end of each day, take all of the change out of your purse or pockets and dump them into the jar. Next time you go to the bank, deposit the cash.


Read our latest article related to an unsecured loan or read more about emergency financial situations.

Credit Card Tips: Credit cards are a great way to get credit, and you get to decide how much credit to use and how much you want to repay each month. Searching for new card offers can be hard with the various terminology and procedures, yet taking the time to do so can be well worth it. Getting rewards or cash back is like earning money while spending money. Sometimes credit card users are just looking for a better card that has lower rates. They may do this to get their finances in order and to save more money. Young adults may be searching for a card offer to start establishing a credit history, and many companies may offer more incentives to new applicants who apply and get approved.


When credit is less than perfect, a secured card may be the only option to get credit back on target. Getting one without any fees may be more difficult that you expect, as fees are a common facet of secured cards. Charges can vary among companies, but there are some who charge reasonable rates. Review the terms and conditions for all the details of any card before applying. Even unsecured cards for good credit can have fees. The important thing is to rebuild or maintain a positive credit history. Secured cards are usually not totally free of fees and it is best to compare them side by side to get all the information.


Types of fees to compare on secured card offers:


*Yearly fee

*Interest fees

*Application fees

*Monthly maintenance fees


Some fees may occur when the cardholder does something contrary to an agreement, like making a late payment or making purchases that go over the available credit limit. Perpetually paying late or exceeding a credit limit can cause big fees or even an account being closed. It may be possible to avoid some fees that may be charged for balance transfers, cash advances, or when making purchases overseas, but these fees can vary among issuers. Looking for the lowest charges can save hundreds of dollars a year. Another option to try to avoid fees, is to pay balances in full.


Credit history and scores will have an affect on what fees are charged, the lower scores are, the more credit can cost. Higher scores can equal better credit terms and lower interest rates. There are issuers who advertise to consumers who have bad credit, and offer cards to rebuild credit. Guaranteed cards may be the only choice for those who can't get approved for regular cards.

Payday Loan Yes: Payday-Loan-Yes is here to help customers solve immediate financial issues. We understand that our customers may have had financial difficulty in the past. We also understand that these difficulties preclude customers from obtaining loans at other financial institutions, which rely on consumer credit scores as a key determining lending factor. Instead of using credit scores to determine creditworthiness, we rely on a consumer's bank account history, his or her committment to continued employment, and his or her promise to pay back any monies we have loaned to him or her. While our rates are significantly higher than many lending institutions' finance charges, if the loan is paid off within a short time, the finance charges can actually be lower then many alternatives. We provide an immediate option for the consumer who has been told "no" by most--and needs monies today to solve an immediate, pressing need. Loan Repayment Options: TO PAY THE FINANCE CHARGE ONLY: You do not need to do anything further. We will only debit the finance charge due on your up-coming payday. Remember you will still owe your original loan amount along with another finance charge on your following payday. IMPORTANT - you may only use this option four times. On the fifth time you must make a minimum payment of fifty dollars towards your loan balance plus your finance charge. TO PAY THE FINANCE CHARGE AND A PAYMENT TOWARDS YOUR LOAN AMOUNT: You must contact us either via our website at existing customers or through our automated telephone system at 1-800-550-6051 at least THREE (3) Full Business Days prior to the Loan due date to inform us of the amount you want to pay. Please remember you must get a confirmation number when using this option. We will only debit the finance charge due plus a payment towards the principle amount on your up-coming payday. (for example: $50.00, $100.00, $150.00, etc.). Remember you will still owe your new principle amount along with another finance charge on your following payday. TO PAY YOUR LOAN IN FULL: Please contact us either via our website at existing customers or through our automated telephone system at 1-800-550-6051 at least THREE (3) Full Business Days prior to the Loan due date to inform us of your intention to pay in full. Please remember you must get a confirmation number when using this option.

Should an emergency situation arise and you seek payday loan weekend funding, don't assume that a 24 7 payday loan site will transfer funds on Saturday or Sunday. Even should a website claim it offers 7 day payday loans, that may refer only to the application and approval process, not the actual funding. Those that do offer weekend funding; including Sunday payday loan transfers, may not be able to transfer the funds to a bank account but will need you to have some other form of receiving funds, perhaps a debit card. If weekend funding is important to you, first check with the lender to see if they indeed perform weekend transfers and; if so, what type of account would you need to receive the money.

Dollar Flash payday loan: A quick, easy and secure way to obtain cash advances online. Dollar Flash is one of the leading online resources that strives to cater to needs of people who wish to apply for instant cash advance loans. Online cash advance loans are fast becoming the number 1 choice for many. With immediate payday loans, you can now get instant cash advances when it is needed the most. What adds to your convenience when opting for a cash advance loan at, is the easy online application. Our Simple, online application makes it easy for an individual to apply for payday loans from the comfort of their office or home. An encrypted, secure online process is provided, so you can be assured of confidentiality. Having a hard time getting approvals for your cash advance loan applications? Our professional lenders are always ready to assist you. Whether you have good credit, bad credit or no credit at all.

4 seasons payday loan - An American Indian payday loan lender: Four Seasons Cash is owned wholly by an individual Tribal Member of the Cheyenne River Sioux Tribe and is not owned or operated by the Cheyenne River Sioux Tribe or any of its political subdivisions. Four Seasons Cash is a privately owned Native American business operating within the exterior boundaries of the Cheyenne River Sioux Reservation, a sovereign nation located within the United States of America. Four Seasons Cash's PREFERRED MEMBER REWARDS PROGRAM: We want to show you how much we appreciate our Four Seasons Cash customers! The Four Seasons Preferred Member Rewards Program was created to offer you the chance to receive additional discounts on our already low interest rates. With each loan you take out from Four Seasons, you earn discounts of up to 30% off your current interest rate. Here's how the Preferred Member Rewards Program works - Silver Member: Once you have taken out 5 loans with Four Seasons Cash, you'll qualify as a Silver member and be eligible to receive a 10% discount starting with your 6th loan! Gold Member: Once you have taken out 10 loans with Four Seasons Cash, you'll qualify as a Gold member and be eligible to receive a 20% discount starting with your 11th loan! Platinum Member: Once you have taken out 15 loans with Four Seasons Cash, you'll qualify as a Platinum member and be eligible to receive a 30% discount starting with your 16th loan!

OK Payday Loan - PayDay One: Fast and secure loan process. At PayDay One, we work hard to make getting a loan as fast and secure as possible for you. You can apply for a loan online or by phone in just a few minutes and youĂll find out right away how much cash you can get. And we take our responsibility to protect your information seriously. Click here to learn more about the steps we take to protect your personal information. Payday loan by phone or online: PayDay One offers two convenient ways to apply for a loan. You can apply at our website 24 hours a day or call a helpful PayDay One Loan Specialist to apply by phone 24 hours a day. Either way, youĂll get an instant answer and guaranteed prices. State licensed lender: Many payday lenders operate outside of the United States in order to avoid federal and state lending laws. At PayDay One, you can rest assured that we are US based and authorized to do business in many states. That means we follow the rules of your state and will be around to serve you whenever you need a little extra cash. Click here to see a list of the states we currently serve. Friendly customer service: You - our customer - are the reason weĂre here. Our goal is to be the most customer-friendly payday lender around. We promise to treat each customer with respect and honesty, and if you ever have a problem, weĂll treat it like our own. Great Rate Guarantee: PayDay One is the only payday lender that offers a Great Rate Guarantee -- if you find a lower price from another similarly licensed online lender we'll match it. And we back up our prices with great customer service. See the Loan Cost & Terms page for full details on pricing in your state. Fax-free loan process: Many online lenders require that you fax bank records and other documents to get approved for a loan. PayDay One was the first lender to offer a fax-free loan process. With PayDay One, you can get the cash you need without the hassle of driving to a store. Please note that in some states we are required to get a copy of your pay stub. Low credit scores are no problem: Think you donĂt qualify for a loan with PayDay One? Think again! We provide loans to thousands of people with ˘bumps and bruises÷ on their credit record. Even if youĂve been turned down by your bank or other payday lenders, youĂre invited to apply with PayDay One right now. YouĂll find out in seconds how much cash you can get. Safe and Private payday loan application: Keeping your financial and personal information secure and confidential is one of our most important responsibilities, and we take that responsibility very seriously. With PayDay One, you can apply for a loan and manage your account from the comfort and privacy of your home. We use SSL encryption and other technologies to protect your personal information. Click here to learn more about the steps we take to protect your personal information.

National payday loan: Same day payday loans - National Payday knows that sometimes, life just gets in the way. Whether you need cash now for an unexpected car repair or an overdue bill, we can help. Why should you wait days to be approved when you can have the cash you need right now? If you need money today, just apply for one of our same day payday loans and let us know you'd like us to wire your funds. Or, if you prefer, we'll send the money to your bank account overnight - it's your choice. Secure & Private Payday Loan Lender: Stop waiting in embarrassing lines at the local store for payday loans. Our secure online cash advance application protects your privacy and sensitive information. We take your security very seriously and are constantly working on the latest security measures to ensure that your personal information is safe. High Approval Rate On Cash Advance Loans: Almost everyone that applies with National Payday is approved. All you need is a job and a bank account to qualify for one of our payday loans. And remember, low credit scores are never a problem for our cash advances.

For self employed payday loan approval, an applicant may have to resort to private payday loan lenders vs traditional lenders. Some of the private individual payday lenders will approve unemployed applicants provided they have a source of income, such as retirement or annuity pay. The con about this lending source is that they typically do not provide the quickest payday loan funding, and some may require collateral or at minimum a credit report check. And bear in mind, ID theives prey upon people needing emergency cash, so be sure to apply only at safe payday loan sites. If you are not sure if a site is safe, do some online checking and ask family or friends for their recommendations if they have ever used a cash advance lender.

Always be certain you are relaying your personal information only to trusted payday loan sites, particularly if you've been blacklisted and are trying to get approved for a second chance payday loan. Knowing how desperate rejected applicants can be, some entities may pose as official payday loan sites, yet they are only phishing for your financial information to commit fraud. One way to avoid being scammed is to deal only with popular payday loan companies. Logic dictates that only reputable payday loan companies could build up a long term popularity rating.

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