Top 10 Personal Loan Reviews 

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Top 10 Personal
Loan Reviews 

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Lendingtree Reviews

OUR PARTNER

 

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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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5K Funds Reviews

OUR PARTNER

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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
  • $1,000 to $35,000 Loan Amounts
  • 3 Month to 72 Months Terms
  • Submit Loan Online

 – Ranked #2 – 

  • 100% Confidential
  • Accepts customers in all states except NY, WV, VA & AR
  • Use Cash For Any Reason

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Score 9.50

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LoansUnder36 Reviews

OUR PARTNER

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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
  • $1,000 to $35,000 Loan Amounts
  • 3 Month to 72 Months Terms
  • Submit Loan Online

 – Ranked #3 – 

  • 100% Confidential
  • Accepts customers in all states except NY, WV, VA & AR
  • Use Cash For Any Reason

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Score 9.25

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PersonalLoans.com Review

OUR PARTNER

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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 #4 – 

  • 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

OUR PARTNER

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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 #5 – 

  • 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 $6 billion of client debt settled since 2002.
  • Accredited by the Better Business Bureau 
  • 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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Pacific Debt Reviews

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(888) 610-1418

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  • Has settled over $200 million in debt since 2002 and is well known for its commitment to customer service and personal attention to clients.
  • Accredited by the Better Business Bureau with an A+ Rating and the American Fair Credit Council.
  • No Upfront Fees.
  • Free Consultation
  • No Minimum Credit Score
  • $7,500 Minimum Debt
  • 24 to 48 Month Debt Reduction Program

 DEBT RELIEF

  • 100% Confidential
  • Accepts customers in the following states: AK, AL, AR, AZ, CA, DC, FL, HI, IA, ID, IN, KY, MA, MD, MI, MO, MT, NC, NE, NM, NY, OK, PA, SD, TX, UT, VA, WI (Pending in DE, NV, TN)

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Score: 9.75

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Curadebt Reviews

OUR PARTNER

 

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  • Over 20 Years of Experience in Debt Relief & Financial Services Industry. Settled Thousands of Accounts With Outstanding Results
  • Accredited by AFCC and IAPDA with very few complaints.
  • No Upfront Fees.
  • Free Consultation
  • No Minimum Credit Score
  • $7,500 Minimum Debt
  • 24 to 48 Month Debt Reduction Program

 DEBT RELIEF

  • 100% Confidential
  • Accepts Customers In All States Except: CO, CT, GA, IL, KS, ND, NH, OR, SC, VT, WA, WI and WV

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Score 8.50

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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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5K Funds Reviews

5k Funds “offers quick cash to pay off those nagging debts.”  How would you like to have $1,000 – $35,000 in your pocket?  5kfunds can help you get the funds you need. You don’t even have to leave your home. 5kFunds has extensive partnerships with large authorized lenders waiting to lend you the funds you need.

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LoansUnder36 Reviews

LoansUnder36 will always provide a service free of charge. That is not to say that your lender will give you a loan for free. The Online Form is quick, secure, and hassle free and can be completed in the privacy of your own home. All credit types are accepted and funds can be deposited into your bank account as soon as the next business day.

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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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Pacific Debt Reviews

Pacific Debt was founded in 2002 by Kevin Landie to address the growing tide of consumer debt in America. At the time PDI was founded, consumers saddled with high levels of consumer debt were often faced with very difficult choices and a limited number of options. Traditional options for resolving one’s debts include credit counseling, home equity loans and bankruptcy. The early 2000s were a huge boon to credit card issuers and as a result the debt settlement industry was born. Debt settlement is an alternative to credit counseling and bankruptcy and doesn’t require collateral like most consolidation loans. During the early 2000s, the debt settlement industry flourished due to a lack of regulation. Unfortunately for consumers, many of the companies that got involved early-on put profits before customers. The industry attracted fly by night operators, advance fee schemes and a barrage of consumer complaints. Kevin knew there had to be a better way.

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Curadebt Reviews

The team that founded CuraDebt had been helping individuals and small businesses locally since 1996 (in Irvine, California). In 2000, CuraDebt was formed to help even more people nationwide. CuraDebt has been helping individuals and small businesses for over 16 years nationwide making the company and team one of the oldest and most experienced in the debt relief industry. CuraDebt Tax has a team of representatives that are qualified to provide help to both individuals and small businesses IRS or State tax solutions. The tax team has over 100 years combined experience with over 83 of it previously working at the IRS or other taxing authorities. CuraDebt has an in-house debt relief program that is designed to help during times of financial hardship and save as much money as possible with your unsecured debt.

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Fast Track Financial Reviews

Fast Track Financial does not broker loans and does not make and/or fund any product offerings, loans, or credit decisions. The company claims to offer Fast Funding, No Fees No Catch, Easy Experience, & Start Saving. The company claims to offer loan approvals in as quickly as one business day. 

WARNING: Top 10 Hype has received complaints regarding Fast Track Financial’s direct mail campaigns. Their mailer indicates to consumers that they have been preselected for a personal loan without any mention of debt relief. The company’s practice seems to be to flip the consumer to a more expensive debt relief product.

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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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Salvation Funding Scam

Salvation Funding claims on its website that it wants to make your life easier and they want to free you of your high interest credit card debt by providing lower interest rate options that may reduce your monthly payments and reduce the time you are in debt.

WARNING:  Top 10 Hype has received recent complaints regarding Salvation Funding’s business practices. Consumers believe they are applying for a loan when in fact they will be referred to an outside attorney to negotiate their debts and charge additional fees. Due to a mix of bait and switch tactics, an aggressive sales team and poor customer support, we can not in good faith recommend Salvation Funding. Their method of approaching customers is borderline bullying and their strategies used to sell their services are at the very least questionable. Possible connections to Lafayette Funding & Pebblestone Financial.

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Pebblestone Financial Complaints

Pebblestone Financial claims on its website “there is no one single  reason someone is in high interest rate credit card debt. Once an application is completed Pebblestone determines which program or loans you may qualify for. Pebblestone Financial markets its business primarily through direct mail campaigns offering a low interest rate to sub-prime credit borrowers.

WARNING: Top 10 Hype has received recent complaints regarding Pebblestone Financial’s business practices. Consumers believe they are applying for a loan when in fact they will be referred to an outside attorney to negotiate their debts and charge additional fees. Due to a mix of bait and switch tactics, an aggressive sales team and poor customer support, we can not in good faith recommend Pebblestone Financial. Their method of approaching customers is borderline bullying and their strategies used to sell their services are at the very least questionable. Possible connections to Lafayette Funding & Salvation Funding.

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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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