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Guaranteed Online Personal Loans

Money is typically a personal business. People like to keep mum about their personal finances because it tends to be a very sensitive topic to talk about, especially if you have won the lottery. Sadly, a good 99.9% of us will not win the lottery even if we bet on it every day for the rest of our lives. So, with this in mind, we just grind away to make a modest income from our jobs. Sometimes though we are faced with a situation where we need some extra money because of some immediate payments that need to be made or house repairs and maybe funds for big event tickets. When this happens, either you can get a bank loan or get on the Internet and apply for one of those online loans. With personal loans, the risks may be high but you will get the cash almost immediately. Before you even think about it, it would be best to read about them to learn why you should really stay away from them.

Personal Loans Come at a Price

With online loans, you are guaranteed instant approval. The lending company is taking a risk which is why they can charge high interest rates even without your knowledge. The interest rates that are disclosed on their websites are not guaranteed at the time of your application, anyway. It is indeed unnerving to watch some lenders charge interest rates which can be as high as 20% or more off every hundred of dollars you get.

Online Loans Do Not Guarantee Safety

With online scam websites sprouting all over the Internet, chances are that some websites you may come across will not be legitimate. A good percentage of them are phishing tools designed to get hold of your personal information. Remember that your social security number holds the key to all the information available including your medical records that may be there. How frightening is that if someone gets hold of all this information about you.

Things You Can Do to Avoid Guaranteed Online Personal Loans

Of course there will be times that no one will be able to help you out financially in emergency situations. This is why you should prepare for this months or even years before you expect it to happen. Unplanned emergencies happen to people every day and it is their strong commitment to save that helps them get past that obstacle. You, too, can start off this journey to start saving for a rainy day. Set aside a small amount of your earnings and do not touch it by all means. If you do it each month, before you know it, you will already have a hefty amount in savings aside. If you have family members, you can teach them the value of money and make sure that they do not overspend their allowances. Tell them to set aside some of their money, too, so that everyone in the household has some savings tucked away somewhere. This way there will be no need for you to apply for online personal loans.

We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment. Our lenders may offer you a loan with an APR between:200% and 2281%. The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.

NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.


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