| SITE QUESTIONS, TERMS, and CONDITIONS. |
| Why is your service used so much? |
| Our lender search referral service is consistently used by hundreds of people each month! Why? Because we are the only real source that helps people with less than perfect credit find the lenders they need. Most people with a less than perfect credit history are unable to get loans from traditional lenders. We list major lending sources that work with people who need a loan but have less than perfect credit backgrounds or older bad credit. We do what very few other websites are able to do for a small price! |
| Do the sources require collateral or a cosigner to get a loan? |
| These loans are partly made based on your signature and promise to repay on the loan agreement. They will not ask for or require ANY collateral. However, they may recommend a cosigner with good credit if your credit score is below 650 to help get approved. You could also offer collateral if they indicate it will help your approval chances. If your credit score(s) are below 575, no lender will be able to help you UNLESS you apply with a cosigner with good credit (score over 680) or have major collateral. If you are not sure of your current score, we suggest you find out before applying! IF you apply to our service with scores under 575, there are no refunds if you get declined. |
| Are these real cash loans? Are they guaranteed? |
| YES, these sources offer REAL cash money loans, cash advances, or lines of credit. You will be issued a check or wired money once you are approved! All the sources in our service are in the business of making quick and competitive offers. Some of the lenders advertise on the internet and other sources. Some cash advance companies will refer you to the lender, they don't make the loans directly. They may also charge a small service fee as part of their application. We have no affiliation with any lender. You may already have a loan with one of them. However, no loan or amount is ever guaranteed. You must still qualify and be approved. |
| Will I be approved for my requested loan amount? |
| Using our referral service will help you search out real lenders vs. applying blindly to any lender. Your possible approved loan amount or line of credit will be based on what you can afford to pay back on a monthly basis, among other items. The better your credit history, the higher your possible approved loan amount. Any recent bad credit or missed payments, within 12-24 months, will most likely hurt your chances of loan approval. Bankruptcies must be discharged for at least two years. Your found lender(s) will give you the exact approved amount upon approval of your application. Each chosen lender makes the loan amount decision. No loan approval is guaranteed - or implied that you will get any loan by using our service. Alot of our clients either do not get their requested loan or get approved for a lower amount. |
What kind of terms will I qualify for such as interest rate and payback period?
| Since these are medium to high risk loans based on your income and payback ability, interest rates are higher than your standard loans. Most loans average a 10-22% interest rate. Still, these are very reasonable rates compared to 29% credit cards and other unsecured loans. Average payback period is 5 years on loans, revolving lines of credit have no payback date. Cash advances may be just weeks. Your matched lending source or bank will give you final interest rate and terms with the offer. You can negotiate the final offer if it doesn't fit your needs! What you request on the search app and what is given to you as search results may be different. Nothing is guaranteed. Loan amounts over 10K may require applying to more than one lender. Not all lenders take applications from all states, especially Alaska and Arkansas. |
| Is your search really free? Are there other charges? |
| Yes, the search part is FREE. You are under no obligation to view your search results. However, in order to view and contact the lenders we find you, there is charge to access the results page. This covers our referral fee also. The fee guarantees a list of lending sources or referral sources to contact, NOT approval or implied approval for any loan! Repeat, our fee is NOT in return for a loan approval! Rest assured, there are NO more up front fees involved for our special service! Some other lending sources may charge a closing fee, processing fee, or other minor costs after your loan is funded. If you can't afford to pay our fee, please wait until you can. Lenders do not take applications from financially broke applicants. |
| If I don't get at least -3- lenders to apply to, can this service/search fee be refunded to me? |
| YES, if we are unable to find you at least -3- lenders, you can refer to our policy. Please read our REFUND POLICY before applying. By applying, you have read and agree to follow this policy. This is why SO MANY people choose our service. We are always willing to work with you and we want all our customers to be happy with their lender. Not all clients will qualify for a refund. No refund will be issued unless the policy is followed. Most clients get the same lenders returned to them since most clients fall into the same category of bad credit. We update our lender lists periodically. |
| I'm still skeptical! How do I know you won't rip me off? |
| That's a good question! We've been in business now for almost 8 years on the internet. We have over 30,000 satisfied customers who found lenders quickly with our help! We wouldn't still be in business if we were not providing what we promise. Think about that! All that we ask is that you give us the chance to help you! You owe us NOTHING if we are unable to find you at least -3- lenders to apply to. You can apply RISK-FREE and with CONFIDENCE! |
| How long does this search process take? |
| The second you submit your online application, the process begins. It usually takes our computer LESS than one minute to get you results. You can usually have your check in the mail or direct deposit within 3-5 business days after application, IF you get approved by a lender. |
| What if I decide I don't want the loan after final approval? |
| No problem. Simply return the loan check to the lender who approved you and it should be canceled. Double check with your lender for specifics on closing out your file. You are under no obligation to keep your loan or line of credit. Of course, our search fee is not refundable if you choose to return the loan. |
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| Are you one of those advance fee lender scams I read about on the internet? |
| Absolutely NOT. First of all, those types of scams are illegal. It is illegal for a company to ask for a "insurance fee" upfront before a loan is granted. Any company that says you are guaranteed a loan if you pay a fee upfront is lying and you will probably LOSE your hard earned money. We are a referral company. Our fee is NOT a guarantee or promise of any loan approval. The fee is simply to access your list of lenders who may or may not loan you money after you apply. Please beware of advanced fee loan scams. |
| Why do you require applicants to apply within 24 hours? |
| Lenders are constantly changing loan programs or loan qualifications, sometimes daily. The lenders want you to apply as soon as possible so the most loan programs are available for you to qualify from. We use the 24 hour cut off each day so you have the best chances. |
| By using our search service and paying the access fee, you understand and agree to the conditions on this page and on the site terms page. |
| What do you mean by instant approval, pre-approved, or pre-qualified lender? |
| A pre-qualified or pre-approved lending source stated in your search results simply means you have met their approval conditions of having at least $1000 a month in regular income, a US citizen, at least 18 years old, and have a checking account. They may require you to prove them. By filling out our search application , you affirm you have met those basic requirements so we can find you pre-qualified or pre-approved lending sources. Pre-qualified or Pre-approved does not mean you are guaranteed any loan. The term instant approval means that IF you are approved, then it is very quick. Approval won't take days like it normally does with most lenders. Instant approval does NOT mean you are automatically approved for any loan. You must still qualify and get approved. |