Top 10 Personal Loan Reviews 

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Top 10 Personal
Loan Reviews 

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LendingTree Review

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  • APR of 5.99% to 35.99%
  • Loan Amounts of $1,000 to $35,000
  • Secured and Unsecured Personal Loans
  • Loan Terms of 3 to 180 Months
  • Works with Excellent to Poor Credit
  • National Network of Lenders
  • Get Mutiple Offers In Minutes

 – Ranked #1 – 

  • Great Brand Recognition
  • Excellent FAQ section to get the answers you need quickly

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Score 9.75

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PersonalLoans.com Review

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  • Provides a Network of Lenders That Can Fund Within A Day
  • No Minimum Credit Score
  • Bad Credit OK
  • No Upfront Fees
  • $500 to $35,000 Loan Amounts
  • 6 to 72 Months Terms
  • Submit Loan Online

 – Ranked #2 – 

  • 100% Confidential
  • Accepts customers in all 50 states
  • Use Cash For Any Reason

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Score 9.00

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Bad Credit Loans Reviews

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  • APR of 5.99% to 35.99%
  • Provides a Network of Bad Credit Focused Lenders That Can Fund Within A Day
  • No Minimum Credit Score
  • Bad Credit OK
  • Loans Up To $5,000
  • Also provides Business Loans, Credit Cards, Mortgage Loans, Home Loans, Student Loans & Auto Loans

 – Ranked #3 – 

  • 100% Confidential
  • Accepts customers in all 50 states
  • Use Cash For Any Reason

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Score 8.50

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 – Top Debt Relief Offers –

Freedom Debt Relief Reviews

OUR PARTNER

 

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  • Largest Debt Settlement Company in the United States with over $10 billion of client debt settled since 2002.
  • Accreditations: American Fair Credit Council, Platinum Association of Professional Debt Arbitrators member
  • Ratings: 9.0 Trustpilot rating
  • No Upfront Fees.
  • Free Consultation
  • No Minimum Credit Score
  • $10,000 Minimum Debt
  • 24 to 48 Month Debt Reduction Program

DEBT RELIEF

  • 100% Confidential
  • Accepts customers in all states except:  CT, GA, HI, IL, KS, OH, ME, MS, ND, NH, NJ, OR, RI, SC, VT, WA, WV, WY, DC & VA

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Score: 9.75

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Freedom Debt Relief Reviews

OUR PARTNER

Freedom Debt Relief is a debt management company that is part of the larger Financial Freedom Network LLC. Freedom Debt Relief reviews solutions for customers with large debt problems, helping to negotiate with creditors and allow customers to pay less than the owed amount on their debts. The company is the largest of its kind in the US, and has helped to settle debts for over nearly half a million clients.  Freedom is accredited and ranked A- by the Better Business Bureau. They became the first debt resolution company in the country to reach $1 billion in cumulative debt it has resolved for clients.

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Lendingtree Reviews

LendingTree connects you with lenders from its network so you can compare and choose the best loan rates, fees and terms that fit your specific financial situation. LendingTree, with its aggressive online and offline media budget, has become a household name.  LendingTree offers home loans, auto loans, personal loans, student loans, business loans, and credit card offers.

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PersonalLoans.com Review

PersonalLoans.com offers a way for potential loan borrowers to search for a loan provider – even if you have bad credit. A customer fills in a form with PersonalLoans.com, and the company then seeks to match the borrower with a lender that suits their needs. The service promises efficiency and the ability to search multiple providers on behalf of the customer.

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Americor Funding Reviews

Americor Funding is one of the many debt settlement companies popping up that promises to help you climb out of a financial pit. Unfortunately, it seems like Americor Funding is yet another bait-and-switch company that is prying on people with a poor financial record and further plunging them into debt or financial crisis with poor advice.

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personal loan reviews

Learn About Personal Loans

A personal loan is money borrowed from a bank, credit union or online lender that you pay back in fixed monthly installments, typically over two to five years, along with interest. The annual percentage rates on loans from mainstream lenders can range from 6% to 36%. Most personal loans are unsecured, which means they aren’t backed by collateral. A secured loan backed by a car or house typically is cheaper, but you can lose the asset if you default on paying it back. Unless you qualify for a 0% interest balance-transfer credit card, the rates on personal loans are typically cheaper than those on credit cards, and the amounts you can borrow are usually higher. If you have big balances on multiple high-interest credit cards, a personal loan can help you consolidate the debts into one payment at a lower rate.

What Are The Requirements To Get A Personal Loan?

Almost all lenders require you to be 18 or older and a legal U.S. resident with a verifiable bank account, and not be in bankruptcy or foreclosure. Borrowers with excellent credit and low debt-to-income ratios may qualify for interest rates at the low end of lenders’ ranges. Someone with poor or average credit may be able to get an unsecured personal loan on the strength of a steady income and low debt levels, but expect rates near the higher end of the range — up to 36%. Other options or borrowers with bad credit include secured or co-sign personal loans. Some lenders say they don’t have minimum credit score requirements, but that doesn’t mean they don’t check your credit report. Knowing your credit profile before you apply can help set expectations.

Personal Loan Requirements

Unsecured Loans

Is There A Difference Between Secured & Unsecured Loans?

Secured loans are those loans that are protected by an asset or collateral of some sort. The item purchased, such as a home or a car, can be used as collateral, and a lien is placed on such item. The finance company or bank will hold the deed or title until the loan has been paid in full, including interest and all applicable fees.

On the other hand, unsecured loans are the opposite of secured loans and include things like credit card purchases, education loans, or personal (signature) loans. Lenders take more of a risk by making such a loan, with no property or assets to recover in case of default, which is why the interest rates are considerably higher.

Can I Consolidate Credit Cards On My Own?

If your credit score is good (700 or higher) then the ideal way you can consolidate your credit card loan is by applying for a zero-percent interest balance transfer credit card. The zero-percent interest is a preliminary rate that typically lasts for around 7 to 18 months. Every payment made in that period will go straight toward decreasing your balance.When the preliminary rate concludes, interest rates rise to around 13 to 27 percent on the leftover balance. Be careful, because balance transfer cards usually demand a transfer fee (typically 3%), and some even charge a yearly fees. Another means to consolidate your credit card balance on your own is by going “cold turkey. ” Stop using credit cards and paying with cash or debit cards as an alternative. After you have fully paid off your debts, you can then pick one credit card and be extra careful with its use.

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