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.

 

Unsecured Personal Loan Offers

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Unsecured Personal Loan Offers

An unsecured personal loan is a great way to consolidate debts and get a fixed monthly payment at a lower rate.personal loan

Here is a look at current personal loan offers from top lending companies if you want to borrow $5000.

UpStart

With the UpStart personal loan offer the estimated APR is between 13.5 and 17.5%. You can expect your monthly repayment to be about $175 per month.

This is a good loan to take if you have little credit history. They do charge an origination fee that is between 1 and 6% of the loan amount as well as late fees. You will need to have a minimum credit score of 620.

Discover

With Discover the estimated APR is between 7 and 25%. You can expect your monthly payment to be about $176.

You will need to have a minimum credit score of 660 and a minimum household income of $25 000. Discover do not charge an origination fee, but they do charge a late fee of $39.

Pave

The estimated APR for the Pave personal loan offer is 18% and you will need to make a monthly repayment of about $181.

With Pave, you need to have a minimum credit score of 660. They do charge an origination fee and a late fee. This is a good personal loan offer for those that have a short credit history.

Prosper

With Prosper the estimated APR is between 15 and 23%, with an estimated monthly repayment of $183.

This is a good loan option for those that have a good credit profile. You will need to have a minimum credit score of 640. They generally require a high income and several years of credit history. The maximum debt to income ratio is 50% without a mortgage. Prosper do charge a late fee and an origination fee.

Lending Point

With Lending Point, the estimated APR is between 17.5 and 24%. The monthly repayment is about $188.

This is a good personal loan option for those that have poor credit. You will need to have a minimum credit score of 600 and a gross minimum income of $20 000. The maximum debt to income ratio must be less then 45%. They do charge a late fee and origination fee.

 

Personal Loans for Debt Consolidation

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Personal Loans for Debt Consolidation

Paying off debt is the way to a healthy financial life. A debt consolidation loan could help you with your debt. A debt consolidation loan is where a lender will give you a personal loan that you are able to use to pay off your other debts. You will then need to pay fixed monthly installments over a period of time to pay the personal loan back.debt

The interest rate that you receive on the loan will depend on your credit history and this is usually fixed for the term of the loan.

Here is a look at the best personal loans for debt consolidation.

No Origination Fee Lender

Discover

This loan carries an APR between 6.99% and 24.99%, which is fixed. The loan amount that you are able to borrow is between $2500 and $35 000. The term of the loan is between 3 and 7 years. You will need to have a minimum credit score of 660. There is no origination fee, but they do charge a late fee of $39.

LightStream

LightStream offers APR’s that start at 2.99% to 4.99% and they can range up to 14.49%. The loan amount that you are able to take is between $5000 and $100 000. The term of the loan is between 2 and 7 years. The minimum credit score required is 680. There are no fees.

SoFi

The APR with SoFi is between 5.95% and 11.74%, which is fixed. The variable rate is from 4.73% and is capped at 12.49%. The loan amount that you are able to take is between $5000 and $100 000. The loan terms are 3, 5 and 7 years. You do not need a minimum credit score, as SoFi will consider credit in conjunction with underwriting standards. There are no origination fees. There is a late fee, which is the lesser of 4% of payment or $5.

Financial Discipline Lenders

PayOff

The APR is fixed and ranges between 8% and 22%. The loan amount that can be taken is between $5000 and $35 000. The term of the loan is 2 to 5 years. You will need to have a credit score of 720. There is a PayOff charge, which is called a PayOff Platform Fee, which ranges from 2% to 5% of the loan amount and is dependent on the term included in APR. There are no late fees.

Lenders That Allow Co-Signers

Backed Personal Loans

The APR is fixed and is between 2.90% and 16%. The loan amount that can be taken is between $3000 and $25 000. The term of the loan is 1 to 3 years. A borrower without a co-signer will need a minimum credit score of 660 and 720 with a co-signer. The origination fee is between 0.8% and 2%. The late fee is $20 that is charged after 15-day grace period.

Freedom Plus

The APR is between 7.93% and 29.9% and is fixed. Loan amounts range from $5000 to $35 000. The term of the loan is between 2 and 5 years. You will need to have a minimum credit score of 640, bot 700 or more is best. The origination fee is between 1.38% and 5%. The late fee is 5% of payment or $15.