1 Hour Payday Loans

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Payday Loans

A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, “regardless of whether repayment of loans is linked to a borrower’s payday.”

1 Hour Payday Loans is the best site to get a payday loan. We source through hundreds of online advertisers, check rates, amounts and terms and conditions. We then pull out the top rated offers based on providing the consumer with low interest rates, great service, high payouts and an easy application. If that doesn’t convince on why we’re the best, try these features

2student-loans1. No more credit record damage. We source the very best loans so you don’t have to. One application, thats it.

2. Big bowls of cash. We don’t promote offers that don’t give you cold hard cash. So if you want money, this is the place

3. Low interest rates. Heck we’ll say it again Low interest rates.

4. Free advice. We stay up to date on the unsecured lending sector to bring you up to date financial news.

 

Personal Loan Offers

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Here is a look at some personal loan offers.personal loans

Lending Club

With the Lending Club you are able to get a loan amount of $10 000. The APR estimate is between 7.75% – 8.99%. The estimated repayment that you will have to make is $312.

With this loan you are able to pay down your credit card or pay them off. You have the chance to make one low monthly payment that is fixed. You are able to build credit whilst you pay down your debt and the process is easy online.

Light Stream

With Light Stream you can get a loan of $10 000 and the APR estimate is as low as 5.99%. The estimated repayment that you will have to make is $304.

The debt consolidation rates are from 5.99% to 10.29%. There are no fees or prepayment penalties. They accept joint applications and you can get a loan between $5000 and $100 000.

Prosper

Prosper offers loan amounts of $10 000 with an APR estimate of 6.76% – 7.74%. The estimated repayment is $308.

The rates start at 5.99%. You will have access to the loan in just 5 minutes and you can get up to $35 000 in as little as 5 days.

Freedom Plus

The loan amount is $10 000 and the estimated APR is 15.56% – 21.05%. Your estimated repayment is between $349.40 – $377.01.

With Freedom Plus you will receive competitive rates and are able to get loans up to $35 000. The approval takes 24 hours and you have access to the money in 48 hours. There are no prepayment penalties, no collateral needed and no hidden fees.

 

Your Best Options for Personal Loans Online

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personal loans online

You may find that you need to take a personal loan at some point whether it’s to pay for an emergency, renovations to your home or something else. There are various options online in order to get a personal loan. Here are some of the easier routes to take to get a personal loan.

0% Intro APR Credit Cards

An introductory credit card makes a lot of sense for those that need money in a short amount of time and are looking for smallest amount of work in order to get it. You can apply for a credit card online and it can take as little as a few minutes for you to have approval. The important thing to remember is that you treat the credit card as a personal loan so be sure that you are able to pay off the entire balance due before the introductory period end as you may find that you will pay high interest rates otherwise.

Peer to Peer Lending Sites

The process of securing a personal loan this way is a little more involved then applying for a credit card you will need to submit more or less the same information, but the credit department of the lending site will most contact you for supporting documents. This is to ensure that that your identity is verified, that you earn what you have claimed and that your credit history is correct before they allow to list your loan in their community and have users contribute to your loan request.

Bank to Person Personal Loans

There are many banks that have a more simplified process where you are able to apply for a personal loan through their website instead of having to apply at a branch. The bank will review your credit history and your credit score before they will approve you. On the personal loan from the bank you will be charged an interest rate which will usually start on day one of the loan. The interest rate that you will be charged will depend on your level of creditworthiness and repayment of the lone which is generally done via a monthly direct debit order from one of your checking accounts. The amount will be deducted on the pre-agreed date.

If you have a great credit rating then its best to go for the introductory rate card or the peer to peer lending network as they are  less expensive option then the bank loan.

If you have a decent to good credit then a personal loan from the bank is a solid option.