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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan





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





Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.


Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.


Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.


Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.


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.


Personal Loan: Short or long term personal loan.


Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.


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


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



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.


Loan by Phone

Bad Credit OK

Good Credit Only



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.


Read our latest article related to an unsecured loan or search for other loan options.

Payday Personal


When getting money needs to be instant and fast, it may require using a payday loan. People can apply for a couple of hundred dollars or up to $1,500. Hundreds of lenders are available and approved  borrowers may be able to get cash in as little as one hour due to direct deposit. An application may require a name, email address, phone number, and bank account information so that funds can be be transferred into an account. Repaying the loan can be as easy as the lender withdrawing the funds on the day the loan is due. Managing money has never been easier as using a computer and the Internet.


Because of the U.S. unemployment rate, Americans have needed to get money at times to be able to meet financial obligations. When people have bad credit or do not have a home to use as collateral, they are unable to get huge loans. Fast cash loans have helped millions who found themselves struggling until a few paychecks were earned. These loans are not intended to be used weekly due to poor money management and wasteful spending. An example when money is needed, is when there are medical emergencies and the light bill is due, yet one paycheck will not provide for all the necessary expenses. This is when a fast loan can be helpful.


Online loan lenders are ready to take applications, and they service people who have poor to great credit. Interest rates can vary with each lender and some lenders service all states or a few states. Websites generally let visitors know which credit types and which states they service. As with all types of businesses, some are honest and respectable and others are not. Compare lenders and their terms for the repayment period. When more time is needed to pay back the loan, look for a lender who offers more weeks to repay without higher fees.


Websites usually have a page that answers all questions or a phone number to call. Check to see if the application is on a secure site, if it is, the url will look like this "https" on the application page. Life can bring about problems and the demands for more money, when there is not a savings account or family to provide it, a small loan may be one solution. The most important thing is to pay back the loan, by or on the due date to eliminate any added fees. Be sure to ask questions about fees to extend the loan or fees for late payments. This is one of the quickest or easiest loans that can help  in times of emergencies.

Review Disclaimer: Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warranty of any claims made by the website. Use the review information at your sole discretion and sole liability. Review - Copyright © 2011 All rights reserved.

PERSONAL LOANS $1,500 to $250,000 available, lowest rates

An Unsecured Personal Loan is a great borrowing decision for many people. To get started, simply fill out the quick loan application to your right. From there we will guide you through the entire loan process.

• No collateral needed
• Minimimal documentation
• No annual fees in most situations
• No pre-payment penalty in most instances

• Offered in all 50 states
• Complete privacy and security
• Experienced and expert guidance

• Loans: 6 to 84 months
• May Include Revolving line of Credit

At American Unsecured, we understand that unexpected events arise requiring extra money that may not be readily available to you. A Personal Loan can provide excellent relief for any purpose, including vacations, debt consolidation, home improvements, tuition, car repair, or even to start a new business.

A payday loan can be very useful in emergencies and is often a fast and favorable cash source. Our payday loan services are the fastest and most secure in the industry, providing cash when you need it, safely and directly deposited right into your bank account in as little as 1 hour. matches borrowers with reputable national lenders ready to approve you within seconds of your loan application submittal. Simply complete our quick and easy online application, and we will match you to the payday loan lender who best meets your needs.

Once approved, your payday loan can be deposited into your checking account in as little as 1 hour! Get started by filling out the fast application on the right.

What kind of company is American Unsecured? We are a nationwide loan consulting firm that helps consumers and small business borrower's gain fair and equal access to the best solution for their unique situation. While our most requested loan product is an unsecured loan, our expertise is in taking all the available loan options that exist, and providing you a comprehensive strategy to help you clearly understand your most feasible option before proceeding. 

What is the process? The first step is for you to provide the information requested on our online form or call us toll-free at 1-800-809-0935. If you submitted your information during our business hours of Mon-Fri, 9:00 am to 6:00 pm (EST), you can expect to be contacted by us within an hour to explain how we can help you, and answer any questions you may have. The process from there depends upon which step you decide to take, but most loan options offer same day approval for qualified consumers.
1123 N. Bronough Street
Tallahassee, FL 32303


Review Personal Loan Credit Score Requirements for Various Lenders
Understand the Different Personal Loan Application Forms for Secured, Unsecured, Short and Long Term Lenders
Compare Car Title Loans Versus Auto Loan Refinancing to get Equity Money
Consider the Advantages of Buying a Used Car VS getting a Brand New Auto Loan
Before you Submit a Secured or Unsecured Long Term Personal Loan Application, Understand the Terms Including Interest APR and Installment Payments.
Private Party Personal Loan Lenders have the same Right as Professional Entities to Sue Borrowers for Non-Payment.
Emergency funds to the rescue. Poor people can prevent debt with a bank savings account.
You can submit an instant emergency loan application for a crisis situation, or you can prepare now to fund such events so you're not using equity for a secured loan or paying high interest for an unsecured loan.
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.
The federal government; specifically the Securities and Exchange Commission (SEC), offers Americans a website at to help them payoff credit card or high interest debt, boost emergency loan funds, and avoid investment scams.
The benefits of having an emergency loan fund with a bank savings account, and how you can get a second chance bank checking account even with bad credit.
Free credit tips for emergency loan funding. Cover urgent expenses with a credit card, short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.
A Visa survey asked consumers these questions (1) Do you set aside money every month for any major expenses? If so, (2) what are you saving for?
The federal government extends an emergency loan program to give banks access to more, longer term cash loans. With interest rates low, now is a good time for a good or a bad credit home, auto or personal loan.

Review Disclaimer: Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warrnty of any claims made by the website. Use the review information at your sole discretion and sole liability. Review - © 2011 All rights reserved.

How does it work?

MoneyMutual is a lending network, NOT a lender. Our service is completely free and all repayment terms are between you and the lender. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.

After submitting your information, if you are matched with a lender, MoneyMutual will redirect to the lender’s website where you will be able to review and agree to the terms and conditions of the loan. In many cases, the lender will then contact you to confirm your personal information and finalize the loan. They may contact you via telephone, email, text messages, etc. Please make sure that you respond in a timely manner to ensure that funds are deposited as quickly as possible.

MoneyMutual - Montel Williams endorsed cash advance - As Seen On TV

What is a cash advance and how does it work?
A cash advance is a signature loan backed by a future source of income, usually your paycheck. That’s why they are also known as “payday loans.” A cash advance is designed to help you out through a temporary loss of cash or an unforeseen emergency. You can use the cash for car repair, food, credit card bills, other bills, rent, travel or whatever you need. Most people get approved online for a cash advance instantly and with no hassles. Payday loans are growing in popularity because they are easy to obtain and are an excellent, low-cost alternative to exorbitant late fees, reconnect fees and other penalties creditors can charge against your accounts.

What do I need to qualify for a payday loan?
Qualifications vary. Most lenders require you to have a job or steady source of income such as an annuity or Social Security check, to be at least 18 years of age and to have a bank account with direct deposit.

How much can I borrow?
This also varies from lender to lender. Typically, cash advances range from $300 to $1,000. Most lenders make decisions based on several factors in your online application, so honesty is the best policy when you fill out forms. This will most likely help ensure a quick and favorable result.

How long does approval take?
Most lenders will approve you shortly after you apply. But some variables may make the process to take a little longer.

After approval, how long does it take to get my cash advance?
If you are approved, money is usually wired to your account on the next available business day.

Must I have direct deposit?
Yes. Direct deposit means you can get your cash quickly and that the lender is able to receive your repayment.

Why does Montel Williams endorse MoneyMutual?
Celebrated talk show host and Daytime Emmy Award winner Montel Williams associates himself only with products that help people live better physically, spiritually, financially and emotionally. He understands that people will find themselves with difficult to pay expenses due to lack of funds or credit and agrees that a cash advance can provide the needed quick assistance and help avoid more costly fees.

Call 1-800-741-3300

Personal loan for Christmas - you have gifts to buy, and afterwards you have bills to pay. For bad credit people without assets who either need a personal loan for christmas gift buying or to repay charges after the holiday, no collateral high risk loans may be their best; and only, option. Since you are not limited only to lenders in your immediate area, the internet is among best places to get loans with bad credit. If you qualify, you could get an unsecured Christmas credit card and use either the cash advance feature or simply charge your Christmas purchases. Then after Christmas, use no collateral signature loans to help make payments.

Need a loan before christmas holidays? Get an instant Christmas loan without checking account membership. By choosing the right lender for you, you can apply for a Christmas loan without credit checks and without bank checking accounts. A few Christmas payday loan lenders will accept a savings account as a means of transferring funds to you. A $2500 small installment loan for Christmas is one example. Another choice is a early Christmas loan from refund anticipation from lenders who will advance money to you until you receive your IRS refund. For a lot of people, this has become a popular source for a Christmas loan with taxes. Another option when looking for christmas loan bad credit approved, is to get an extended term payday personal loan.

Cash money for Christmas shopping can be acquired directly either from an unsecured personal loan company or through a private party lender. If you need Christmas instant cash, the best choice of the two would be funding through a loan company vs an individual lender. The reason why is because a professional lending company offers fast, Christmas payday loans with no credit check which means you'll get your money faster. Private lenders do not promise any time-line for approval, and may not even respond to your request for several days and negotiations can go on for weeks. Payday lenders can send your cash overnight.

Sterling Finance Company Personal Loan: You finally met the one. Now you need a ring. Or a little less romantic, you need a root canal. For life’s ups and downs, we’re here to arm you with options. We’ve been providing low interest loans to our customers for over 50 years, even to those with less than perfect credit. We’ll walk you through the steps – from the application process to setting up flexible payment plans. And you’ll be on your way quickly and easily. So whether you have a happy event or an unexpected surprise, we have options that can help. Now let’s talk numbers.

Two numbers that matter.
The principal loan amount: This is the amount of money we lend to you. We provide loans up to $5,000 based on credit history and for big ticket items, we can provide loans up to $20,000.
The interest rate: A percentage of your principal you’re required to pay on the loan. This varies based on credit, but we’ll never exceed 38.99% for our loans greater than $3,000. Ever.

No matter what life throws your way, Sterling Finance Company® is here to help.

* Application responses are usually within 24 hours
* Processing can take just 1 business day if we have all your information
* After you apply, we call the number you provided, verify basic information and may ask for additional documents such as W2s, recent pay stubs, etc
* To avoid late fees, call us for an extension if you can’t make a payment
* You’ll be notified by phone and mail if your loan was approved, then you’ll come in to sign to have it released to you
* You’ll be notified by mail if you did not get approved
* There are several factors involved in the approval process and we’re here to help

Installment loans are characterized by:
* A fixed loan term: The length of your loan in months. The longer the loan, the smaller the payments. You can use this to build your credit.
* A fixed payment: The amount you pay each month. In a long-term loan, this goes toward paying down your interest first, then toward your principal.

When it comes to loans, we take out the worry whenever we can. That’s especially true for installment loans. With a fixed rate, you’ll never worry about your interest going up. It’s the best option for you if you’re purchasing a big-ticket item like a car or home and plan to make monthly payments to pay it off. We allow for flexible payment options by extending terms up to 48 months in amounts up to $20,000 and we’ll help you decide what would work best for you. With Sterling Finance Company® by your side, you can make the right choice for your needs.

When making repayments by phone, for security reasons, you will be asked to verify your customer information. Customer service representatives are able to accept credit, debit, or ACH payments free of charge over the phone. Payments made by phone are immediately credited toward your loan payment.

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