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Do you have bad credit and you need a bigger loan amount? Find out how you can qualify for an installment loan that allows you to pay it back in small amounts.

What Is An Installment Loan?

When your credit rating is in bad shape, banks, and conventional loans are more likely to reject your loan application. However, this doesn’t mean that you can never have a loan anymore. In fact, there are loan providers who are willing to provide installment loans for borrowers with bad credit. As long as you can prove your capability to pay, you can boost your chance of getting approved.

With installment loans, you are given a chance to borrow a bigger loan amount payable over a certain period of time. Normally, you can pay a small portion of it every month, for six months, while some lenders may allow you to settle it up to one year. This is a better loan alternative for anyone who knows that they can’t repay the loan in one lump on their next payday.

Getting An Installment Loan With Bad Credit

For most lenders, a good credit score is important; however, not every borrower has this. If you’re one of those who had a hard time repaying the loan on time or had defaulted on it, there are still loan providers who may grant your application despite your credit. What matters most is that you can meet the basic requirements set by the lender and that you have a steady source of income. It’s also crucial to have a valid bank account under your name to boost your chance of getting approved.

Not all lenders are equal therefore you need to find the right one that will not only accept your application but also offers the best rates. Comparing various lenders might take time but it will save you in the long run.

When making a big purchase, such as a car or a house, most of us rely on installment loans, but what is it exactly about?  How does an installment loan work? And where can you get one?

An installment loan is a kind of loan that allows borrowers to settle the debt in small portions. Often settled on a monthly basis, the repayments are usually fixed, meaning the amount you will pay every month stays the same over the period of the loan. For most borrowers, this kind of loan is easier to handle since you’re not required to bring out a huge amount in a short time. However, before taking out this advance, the borrower should be aware of their credit score and debt-to-income ratio as this affect the interest rate charged to their debt.

Those who have a bad credit remark and a high debt-to-income ratio are charged with an expensive interest while those who have a pleasant credit history and a lower DTI ratio are rewarded with a lower interest.

How Does An Instalment Loan Works?

The amount you need to settle when repaying your installment loan includes the principal rate and the interest. Its total amount is divided and repaid in equal amounts over a specific time frame. Most installment loans are settled every month while some may be repaid on a weekly basis, depending on the lender.

Where To Get Instalment Loans?

Installment loans can be acquired in banks and traditional lending facilities, and it often requires some form of security, such as a house, car, or jewelry. You may also find online loan providers offering this kind of loan with minimal requirements. Wherever your option is, be sure to check its source first to know who offers the best rate and most flexible term.

How Do I Apply?

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Frequently Asked Questions

Must I Have a Guarantor?

In most cases, lenders would require borrowers to provide a guarantor if their credit is not good. Since unsecured loans are only backed by the borrower’s creditworthiness, the risk is higher. However, if your credit is good, lenders would be okay even without a guarantor present.

How Do I Apply?

All you need to do is to click “Apply Now” and follow the instructions provided. You will be asked to provide your information on a form available at the lender’s website. Once you have filled up the form, send it back to start your application. It would only take minutes for you to complete the process.

What’s In It For Us

Having access to instant cash transfers includes a lot of perks. Imaging dealing with an emergency and without cash, things could go from bad to worse. Whatever situation you’re dealing with, using this service has its advantages. Got into an accident? Get a loan and have the funds you need instantly. Got stuck somewhere? All it takes is a push of a button.

How Long Does It Take To Get Paid Out?

The entire process would only take at least 15 minutes. Once you’re approved for the loan, the funds you have requested will be deposited to your account instantly. There’s no need to wait hours to get the funds you need. It’s fast, simple, and highly reliable.

What Products Can You Help Me With?

We’ve got plenty of options for you to choose from. We have a wide range of loan selections that are perfect for any occasion. Whether you want to apply for a payday loan, personal loan, or even short-term business loan, it is readily available for you. All you need to do is to press “Apply” to get started.

What Happens If I Lie On My Application?

It is not recommended to lie on your application. Lying would result to serious consequences. Once a lie is caught, the lender has the full right to reject your application entirely. You may also face criminal charges if you’re caught falsifying documents or taking someone’s identity.

What Happens If I Miss Payments?

We understand that things could happen that prevents you from paying on time. If you find yourself having problems with your repayment, reach out to us to find more convenient ways to deal with your debt. Refusing to pay your loan would severely affect your credit and may cost you additional fees and charges.

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Credit Problems

Is your credit keep holding you down? Not anymore. Applying for an unsecured loan such as payday loans require no minimum credit. As long as you can pay off the loan on time, your credit problem is not a problem.