In these tough economic times, the last thing that most people want is to be stood up. Disclaimer: APR Disclosure (Annual Percentage Rate).
Some states have laws limiting the APR that a lender can charge you. APRs for cash advance loans range from 200 and 1386, and APRs for installment loans range from 6. 63 to 225. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR.
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Please note that some lenders may perform credit checks as part of their credit transaction approval process. You are under no obligation to use our website or service to initiate contact, nor apply for credit or any loan product with any service provider or lender. Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being connected with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.
The lower your credit score is, the higher the APR (Hint: You want low APR) will be on a loan and this is typically true for online lenders and banks.
You should have no problem obtaining a personal loan with bad credit as many online providers cater to this demographic, but it will be difficult to pay back the loan as you will be paying back double or triple the principal of the loan when its all said and done.
Payday loans are a widely offered personal loan for people with bad credit as all you need to show is proof of employment. The lender will then give you an advance and your next paycheck will go to payoff the loan plus a big chunk of interest. Subsidized loan vs Unsubsidized loan. A Subsidized loan is for students going to school and its claim to fame is that it does not accrue interest while the student is in school.