Money – Beacon at Bangsar Sun, 25 Sep 2022 15:01:00 +0000 en-US hourly 1 Money – Beacon at Bangsar 32 32 Why it pays to use a personal loan to pay off credit card debt Sun, 25 Sep 2022 15:01:00 +0000

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It’s a matter of making your debt more affordable.

Key points

  • Credit cards are known to charge a lot of interest.
  • Personal loan interest rates can be much more affordable, especially if you have good credit.

Many people end up in credit card debt for one reason or another. For some, it’s about meeting emergency expenses. For others, it’s about losing track of spending.

Regardless of why you incurred credit card debt, your goal should be the same: to get rid of that debt as quickly as possible to minimize the amount of interest you accrue on it. But one tactic you might want to use to pay off your credit cards is to take out a personal loan and use the proceeds from that loan to wipe out your balance. Here’s why it’s a smart move to make, even if it means swapping one type of debt for another.

A personal loan could cost you less

A personal loan lets you borrow money for any reason, just like you can use a credit card to charge for a host of expenses, from groceries to car repairs to medical bills. For example, you can use proceeds from a personal loan to pay off a credit card balance.

Find out: These personal loans are the best for debt consolidation

More: Prequalify for a personal loan without affecting your credit score

But one of the advantages of a personal loan over credit cards is that these loans tend to charge much less interest. And it could make your debt much cheaper to pay off.

Say you owe money on a credit card at 18% interest. You may qualify for a personal loan at 8% interest. And the lower your interest rate, the less money you spend.

Also, if you have a very high credit rating, you might be able to get a very affordable rate on a personal loan. Additionally, personal loans come with fixed interest rates, while credit cards tend to come with variable interest rates. This means the rate you lock in when you sign your personal loan is guaranteed to stay the same until your debt is paid off.

With a credit card, variable interest could cause you to pay more and more interest as your debt is carried over. The result? A harder time paying off your debt and more wasted money.

How to qualify for a personal loan

Personal loans are unsecured, meaning they are not tied to any specific asset that you have put up as collateral. As such, you will generally need decent credit to qualify for a personal loan.

Now there are personal lenders working with low credit applicants. But if this is the situation you find yourself in, you will need to see what interest rates are available to you. With bad credit, the borrowing rate you get on a personal loan may not be much better than what you pay on your credit cards. In some cases, it might even be less favorable.

That said, if you’re able to get a personal loan rate comparable to what your credit cards are currently charging, it might be beneficial to lock in that loan, because that way your interest rate will be at least fixed. . With a credit card, you run the risk of your interest rate going up.

All told, paying off your credit cards with a personal loan could be a smart bet. It pays to shop around and see what personal loan rates you qualify for.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

3 Ways to Make Sure β€œLoan Grading” Works in Your Favor Wed, 21 Sep 2022 11:00:21 +0000

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Loan ratings determine the terms and rates of our loans.

Key points

  • Lenders assess the risk of lending money by assigning a rating to loan applications.
  • Ideally, a candidate will have a high credit score and the ability to provide a healthy down payment.
  • Lenders view collateral as a way to minimize the risk of a loan.

Every time we apply for a loan, the lenders assign a rating. This may not seem obvious because loan scoring is done behind the scenes, but it plays a huge role in our loan application approval and the interest rate we are offered. Here, we’ll explain how loan scoring works and what you can do to make sure it works in your favor.

What is loan scoring?

When you apply for a loan, lenders assess your application. It’s their way of assessing the likelihood of you repaying the loan. The practice is also referred to as “loan scoring”. The difficulty with loan scoring is that each lender has a different system for determining your creditworthiness. Additionally, they each use different labels for the notes.

For example, when some peer-to-peer (P2P) lending platforms assess a loan application, it is assigned a grade from A to G. A category A loan is considered low risk and a category G loan is high risk.

Discover: These personal loans are the best for debt consolidation

More: Prequalify for a personal loan without affecting your credit score

A borrower with a Grade A rated loan can expect to pay a much lower interest rate than a Grade G borrower because the lender views the Grade A borrower as a low risk loan.

The point is this: the best way to get a loan when you need it and pay the lowest possible interest rate for that loan is to make sure the loan rating works in your favor. Here’s how:

1. Examine your credit score

Before applying for a loan of any kind, order a copy of your credit report from the three major credit reporting agencies: TransUnion, Equifax and Experian. You can order all three reports at the same time from a site like By law, you are entitled to a free copy of your report from each agency once a year.

Review each report to ensure there are no errors. Even minor mistakes can cause your credit score to drop. Credit reports don’t show your FICO score (the score most lenders use to determine how well you’ve managed your debt in the past), so you’ll have to find that score elsewhere.

You can pay via Alternatively, most credit card companies provide free credit scores to their cardholders.

Credit scores range from 300 to 850. The higher your score, the better your financial standing and the more likely lenders are to approve your loan.

If your credit score is low, you’ll be ahead if you take the time to give it a boost. A good credit rating makes it easier to get a loan, but it can also be useful when it’s time to rent an apartment or find a job.

Once you have your credit score where you want it, be sure to check it several times a year, just to make sure nothing has changed. The first – and best – way to ensure a high rating from lenders is to present a high credit rating.

Conclusion: Focus on your credit score

2. Maintain low loan-to-value ratios

A loan-to-value (LTV) ratio expresses how much you owe on something relative to its value. Let’s say you buy a house for $200,000, and once you put down 20% ($40,000), you owe $160,000. If the home is worth $200,000, that means you have an 80% LTV (because $160,000 is 80% of $200,000).

Now let’s say you want to borrow money to buy a car that costs $35,000. If you don’t have a trade-in and no cash to deposit on the vehicle, you’ll need to borrow the full $35,000. A 100% LTV makes the loan riskier for lenders and can impact how they score your loan application.

To ensure a better rating, keep the LTV low by paying a larger deposit. For example, if you save up to $10,000 to buy the car, you will need to borrow $25,000. This leaves you with an LTV of around 71% and the loan is more attractive to lenders.

A low LTV loan means two things to a lender, and both factors affect how your loan is scored:

The more you put in, the more “skin you have in the game”. The more your money is invested in a purchase, the more likely you are to keep up with payments, because you don’t want to lose the money you’ve already invested.

The lower the LTV, the easier it will be for a lender to recover their loss if you stop making payments. Let’s say you buy that $35,000 with no down payment. If you miss payments and the lender needs to repossess the vehicle, chances are they won’t be able to collect what you owe. This is because a car is worth less than what you paid for when you took it out of the lot.

However, if you make a large down payment and keep the LTV low, the lender can repossess the car and potentially sell it for more than it’s owed.

Bottom line: Put your own money on the line. It makes you more attractive to lenders.

3. Provide guarantees if necessary

Let’s say you want a personal loan to remodel your kitchen. Most personal loans don’t involve collateral, but you want the best loan quality possible to keep your interest rate low, so you look for a lender who accepts collateral. Here’s how it works:

  • You apply for the loan by offering land that you have inherited (or any other asset of value that can be appraised) as collateral.
  • Your credit score isn’t perfect, but the lender knows there’s no way they’ll lose their entire investment if they grant your loan. This is because if you fail to make the payments, the lender can take possession of your collateral, sell it, and get their money back. Although it’s not entirely risk-free for the lender, it’s considerably less risky than lending you money without collateral as collateral.
  • Your loan is approved and you determine if the interest rate offered is right for you.

Conclusion: Unless you have excellent credit, you are likely to receive a higher loan score if you provide collateral.

Loan classification is a way for a lender to predict the likelihood that it will be repaid in full. The higher your rating, the better the terms of the loan. And the better the interest rate and terms of your loan, the more money you can keep in the bank.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

How to bet on Saul ‘Canelo’ Alvarez vs Gennadiy Golovkin 3 in Canada Sat, 17 Sep 2022 18:17:11 +0000

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An era-defining trilogy fight takes center stage this weekend with Saul ‘Canelo’ Alvarez and Gennady ‘GGG’ Golovkin meeting for the third time and we’ve got a complete guide on how to bet on the big fight. . Read on to find the best boxing betting sites in Canada, as well as great free bet offers.

How to bet on Saul ‘Canelo’ Alvarez vs Gennadiy Golovkin 3 in Canada: Best betting sites in Canada

Mexican Alvarez, 32, puts his undisputed super middleweight crown on the line against the Kazakh, 40, in Las Vegas. Their first meeting in 2017 was a controversial draw, with Alvarez winning the rematch a year later.

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Strong points


Saul ‘Canelo’ Alvarez vs. Gennadiy ‘GGG’ Golovkin – Fight Info

  • πŸ₯Š Boxing Match: Saul Alvarez vs. Gennadiy Golovkin
  • πŸ“Š Recordings: Saul ‘Canelo’ Alvarez (57-2-2, 39 KOs) | Gennadiy Golovkin (42-1-1, 37 KOs)
  • πŸ“… Date: September 17, 2022
  • πŸ•› Main event Time: About. 10:30 p.m. EST
  • πŸ† Title: WBC, WBA-Super, WBO and IBF world super middleweight titles
  • πŸ“Ί TV channel: DAZN PPV
  • 🏟 Venue: T-Mobile Arena | Las Vegas, United States
  • 🎲 Fight odds: Canelo-600 | Golovkin +400

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When is Saul Alvarez vs. Gennadiy Golovkin 3?

Date: Saturday September 17

Expected Ring Walks: 10:30 a.m. EST, T-Mobile Arena, Las Vegas, USA

Canelo vs GGG 3 TV Channel and Live Stream

TV channel: If you have DAZN on your TV, you can watch this undisputed super middleweight clash live from the T-Mobile Arena on DAZN PPVprovided you are subscribed to the channel and paid for pay-per-view.

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Best loans with no credit check and bad loans with guaranteed approval in 2022 Tue, 13 Sep 2022 17:01:00 +0000

A bad credit rating is definitely not something to brag about. A matter of concern because you will not be able to get an instant and secure personal loan or any other type of loan. Banks and financial institutes are for those with impressive credit scores above 600. People with bad credit scores are nothing short of a threat or a headache.

Bad credit is considered a sign of financial instability, but that’s not always true. A credit score is so sensitive that missing or delaying even one loan payment will severely affect it. Thus, a bad credit score is not a sign of a bad financial situation. But the banks won’t approve loans for people with bad credit.

Yet, there are many ways that will help you avail loans for bad credit quickly.

1: WeLoans: Loan for bad credit without collateral for everyone; get approval very quickly.

2: Problematic loans in the United States: Try USBadCreditLoans for all kinds of bad credit loan requirements.

3: CocoLoan: Fast, secure and diverse loans for bad credit online under one roof.

4. iPaydayLoans: Get the best bad credit loans without any credit checks or collateral.

5. American Installment Loans: Instantly approved online loans for bad credit without any background checks.

6. Loans for bad credit in UK: Personal and installment loans for bad credit holders.

seven. Loans for bad credit: Get a loan with bad credit without going through a rigorous credit check.

8. Payday Loans UK: Simple process, no credit checks and flexible repayments for bad credit payday loans UK.

9. Easy payday loan: Take advantage of no-obligation quotes for a loan with bad credit. Easy terms.

ten. US securities lending: Loans for bad credit at a less affordable interest rate.

Would you like to get instant loans online with bad credit? These 3 out of 10 bad credit options near me will best help you:


To WeLoansevery lousy credit score is entertained because this online loan provider has a huge network of verified lenders who are not interested in your credit score.

As long as you have a steady source of income, you are eligible for a bad credit loan. Isn’t that great? Yes of course.

This is not the only advantage you get with this online bad credit loan provider. You also have the option of sending a request to several lenders. The platform’s advanced AI does it for you. It will automatically match your needs and the lenders offer.

As your request is transmitted to several lenders at the same time, you will not miss a quote. You can make a choice quickly. The best part of the quotes is that they are all non-binding. Receiving a quote does not mean you have to accept it. Take your time and then make your choice.


  • Different types of loans for bad credit are offered;
  • The interface is beginner-friendly;
  • Verified lender profile;

The inconvenients

Approval of a bad loan over $5,000 takes time.

Wondering where can I get a loan with bad credit? Try WeLoans today >>

Problematic loans in the United States

Problematic loans in the United States is a trusted name to bet on when you need a small personal loan for bad credit. The online market features native lenders who consider bad credit ratings. The bad credit loan application process is too simple for any novice to easily get started. No expert help is needed.

When it comes to process security, you will be happy to know that the website is backed by military-grade encryption, which means that every communication is secure. Therefore, you can upload or share banking information without any fear.

We like that this network of lenders considers different types of loans. One can apply for installment, personal, same day, payday and many other loans with disappointing credit scores.


  • No questions asked policy is adopted to qualify for a loan
  • SSL certification and 256-bit encryption
  • Simple website interface for personal loans bad credit service.

The inconvenients

  • No dedicated chat support is offered to resolve the dilemma, if any.

Choose USBadCreditLoans for Fast Loans, Bad Credit, Smooth Verification >>


CocoLoan is a user-friendly platform that brings together bad credit holders and lenders. It is easy to solve any financial emergency by using this online marketplace to avail various loans for bad credit.

Bad credit loan seekers do not have to provide many details and supporting documents. They just need to apply through a simple application form and submit it on the platform. From there, the website’s cutting AI will take over. It will automatically forward your request to verified and native lenders.

The response is fast and you could receive the quote within minutes of submitting the request. Make no mistake, because the quote is missing a crucial detail.

The CocoLoan platform will include everything you need to make a smart decision about your loans with bad credit, including a lender profile, interest rate, repayment schedule, and more. You can even compare quotes and choose the one that best suits your needs.


  • No need to provide a long list of documents;
  • Supports real-time quote comparison;
  • Fast approval with less hassle;

The inconvenients

  • Loans are only available to people with jobs or stable sources of income.

Get Fast Personal & Installment Loans With Bad Credit At CocoLoan >>


Regardless of our financial strength, certain situations can put us in a difficult situation. Fortunately, we can handle these cases effectively with the help of a loan. But what if no one is willing to give you a loan because of bad credit?

In such a case, the only recourse is to take the help of bad credit lenders. Yes, many lenders who don’t care about your bad credit offer no credit check loans.

You have hope with platforms like WeLoans, USBadCreditLoans and CocoLoan.

The ten bad credit platforms mentioned in this article present a large network of lenders who accept bad credit. Few will do a light credit check but will approve a loan even if the credit is bad. So next time you are feeling hopeless and unable to get a loan, try these platforms and get risk free bad credit loans.

Affirm Review 2022: Buy Now, Pay Later Sat, 10 Sep 2022 13:50:17 +0000

Buy now, pay later, services have replaced layaway: you can take your purchase home now and pay for it over time.

Affirm is one of the most common buy now, pay later services. But how does Affirm compare to similar services, and should you consider using it for your next big purchase?

This review will look at the financial services Affirm provides to its borrowers and how you can get started. We’ll also answer common questions about Affirm and explain how it can affect your credit report.

What is Affirm?

Affirm is a buy-it-now, pay-later service that allows consumers to split large purchases into multiple payments. Whether you want to shop online or in-store, Affirm can generate a virtual credit card for you to use at checkout.

When selecting a repayment method, buyers can choose between short-term interest-free payments or more dispersed monthly payments. Choosing interest-free payments will spread your purchase over four payments every two weeks.

Founded in 2012, To affirm is a fintech company headquartered in San Francisco. Over the past decade, Affirm has built trust within the industry, and we have no trouble recommending it based on its reputation alone.

Looking for another buy now, pay later? Read our Klarna and Afterpay reviews.

How does Affirm work?

Shopping with Affirm is relatively simple and you can get started in two ways. The first method is to visit a store that offers Affirm payments and select the option during checkout. Our preferred method is download the Affirm app for Apple iOS or Android devices.

Affirm app download

You can view your pre-approval amount by downloading the free Affirm app. The app also allows buyers to view limited time offers that you can combine with Affirm financing.

Once you’ve created an account and are set up with the Affirm app, you can view your approved spend amount and start shopping. At the top of the app’s home screen, you’ll see the options Buy in app or Get virtual card.

You can also tap the Shop button in the menu bar at the bottom of the screen to see all the promotional offers available with Affirm financing.

Shopping with Affirm

Our preferred method of purchasing with Affirm is through the Get a Virtual Card option. Affirm will provide you with a one-time use virtual credit card for your purchase using this selection. You can use the card online or in-store with Apple Pay or Google Pay.

You’ll start by entering the total amount of the order, making sure to include taxes and shipping. If necessary, you can round to the nearest dollar. Any unused funds are returned to your account, so you won’t lose those pennies.

Once you have entered an amount, Affirm will ask you to select a payment plan. During our tests, we chose to finance $500 and received several repayment options. We could repay over six weeks with 0% APR or over six or 12 months (monthly payments) with 15.99% APR. No deposit is required.

It is important to note that your offers may not be the same as ours. While six-week repayment plans are always offered with zero interest rates, monthly plans will include a percentage interest. Your offered interest rates (APR) will vary based on personal financial factors.

Once you have selected a repayment plan and payment dates, you must agree to the terms and conditions before receiving your virtual card. If you plan to shop online, use the virtual numbers and enter them at checkout.

Alternatively, you can select the option to add your virtual credit card to your mobile device’s virtual wallet. This will allow you to pay with Apple Pay or Google Pay at any retailer that has a supported wireless payment terminal.

Manage your confirmed purchases

Once you’ve paid for your purchase, your Affirm Loan will appear under the Manage tab of the app. Here you can see the total loan amount and the amount paid to date. You can also make additional payments to pay off the loan faster.

By default, Affirm will automatically pay your loans with a provided credit or debit card. If you want to disable the autopay option, you can do so in your loan options. Additional details provided here also include your interest rate, virtual card number, and loan terms.

Alternatives to Affirm

If an Affirm loan doesn’t seem like the right option for your purchases, or if you’ve already checked it out and don’t like what’s on offer, other options are available. From other buy it now and pay later services to traditional personal loans, there are several alternatives.

Other services Buy now, pay later

Affirm is a popular option for splitting purchases into multiple payments, but it’s not the only buy now, pay later service. The others are Afterpay, Zip (formerly Quadpay), Klarna, PayPal and Sezzle.

Here’s a comparison of three popular buy now, pay later services, showing interest rates, late fees and payment schedules.

Buy Now, Pay Later Service Comparison

Features To affirm Klarna After-payment
Payment schedule Affirm Pay in 4 (every 2 weeks) or Monthly Funding Pay in 4, Pay in 30 days & Monthly financing First of 4 payments immediately, then every 2 weeks
Interest rate 0% on Affirm Pay in 4; 0% to 30% per month 0% for Pay in 4 and Pay in 30 Days; 0% to 25% per month 0% interest
Late fee No late fees Up to $7 on Pay in 4; up to $35 per month $10, followed by $7 if payment is not made
Effect of credit score Flexible credit check; can report history to Experian Flexible credit check for Pay in 4 and Pay in 30 No credit check
where it is accepted Anywhere online and in-store with wireless payment Everywhere online and select in-store retailers Select online and in-store retailers

Other affirmation alternatives

If a “buy now, pay later” service isn’t the right choice, you may want to consider more traditional personal loans. The selection of personal loans will allow you to borrow money and pay it back while increasing your credit with all three credit bureaus.

If you’re looking for personal loans, we recommend checking out our best personal loan guide for help. If you are new to loans, we also recommend reading our step-by-step guide.

Selecting a zero rate credit card is another option when making a large purchase. Check out The Penny Hoarder Academy: Credit Cards 101 for more on the basics. Credit cards can be helpful or devastating, depending on how you use them.

The pros and cons of asserting


  • Interest-free loans are available for shoppers who want to pay off their purchases with bi-weekly payments.
  • Affirm has no hidden fees and no late fees are imposed if you are late on your payments.
  • You can shop almost anywhere with Affirm through its virtual credit card, which can be added to your mobile wallet.
  • No down payment is required for your Affirm loan.

The inconvenients

  • Only specific Affirm loans are reported to Experian, and none are reported to TransUnion or Equifax.
  • There is no option at this time to defer your payments if necessary.
  • Interest rates are subject to change depending on the creditworthiness of the individual borrower, with APRs of up to 30%.

Frequently Asked Questions (FAQ)

Is Affirming Hurting Your Credit Score?

Research for our Affirm review revealed that the service can affect your credit score. Affirm does not report to the credit bureaus if your loan is 0% and four payments every two weeks or if you were offered only one option of a three month payment term with 0%.

Affirm may report loan payment history to Experian. Additional details Affirm may report to Experian include the amount of credit you have used, the length of your credit, and any late payments. Creating an Affirm account or seeing if you are prequalified will not affect your credit history or credit score.

Is using Affirm a good idea?

As in any system in which you borrow money, Affirm is only a good idea if you are financially stable enough to pay all due payments on time. No-APR loans are the best choice when selecting an Affirm repayment plan because you won’t owe any additional interest.

Affirm may not be the best option for those looking to boost their credit, as it is inconsistent in reporting to credit bureaus. When Affirm reports, it only reports to Experian.

What credit score do you need to use Affirm?

Affirm does not specify a minimum credit score for its candidates. But Affirm will consider your credit score as part of your overall application. Your creditworthiness may be based on additional factors such as income and credit report. No deposit is required to use Affirm’s services.

Is Klarna the same as Affirm?

Affirm and Klarna are two separate buy now, pay later services. Both options allow consumers to make purchases that can be split into multiple payments. Investigate both options to see where you can get the lower APR for your loan.

Michael Archambault is a senior technology writer at The Penny Hoarder.

Top 5 Best Payday Loans No Credit Check Guaranteed Same Day Approval 2022 Sat, 03 Sep 2022 10:44:36 +0000

For Americans with less than stellar credit ratings, finding a loan online in the midst of a financial setback can seem impossible. You can manage to find a seemingly “easy” solution by researching payday loans without credit checks online. These loans are the unicorn of the financial world; everyone has heard of them, but they don’t really exist.

We investigated several alternatives to payday loans without an online credit check – our findings are below!

Payday Loans No Credit Check Online – Quick Overview

  1. Viva Payday Loans – Best Overall for Payday Loans No Credit Check Online Alternative
  2. Low credit financing – Ideal for small online payday loans No credit check alternative for borrowers with bad credit
  3. Big Buck Loans – Best For Online Payday Loans No Credit Check Instant Approval Alternative For Unemployed
  4. Heart Paydays – Ideal for same day online payday loan alternatives with no credit check
  5. Green dollar loans – Ideal for alternatives to online payday loans Instant approval without credit check

Best Loans No Credit Check Guaranteed Approval 2022

  • Viva Payday Loans – Best Overall for Payday Loans No Credit Check Online Alternative

Viva Payday Loans claims the top spot in our editor’s pick for online payday loans with no credit check alternatives. Their application process for online alternatives for payday loans no credit check is quick and easy. It is also impressive that the platform offers loans ranging from $100 to $5,000 with 3 to 24 months of repayment. Interest, which can be a real pet peeve for borrowers, starts at 5.99% at Viva Payday Loans.

Eligibility Criteria for Payday Loan Alternatives No Online Credit Checks

  • Earn $1000 per month
  • Take an affordability assessment
  • 18 years + to apply

Benefits of Online Payday Loan Alternatives No Credit Check

  • Low FICO borrowers welcome
  • 100% online application
  • Flexible loan amounts

Disadvantages of Online Payday Loan Alternatives No Credit Check

Click here to apply for funds online today >>

  • Low credit financing – Ideal for small online payday loans No credit check alternative for borrowers with bad credit

Low Credit Finance is a provider of legit online payday loans no credit check alternative for bad credit. Although they do not offer payday loans without online credit check due to regulatory compliance, they do have several alternative options up to $5,000 with interest ranging from 5.99% to 35.99% .

Eligibility Criteria For Payday Loans No Credit Check Online Alternatives

  • Income of $1,000 per month
  • Affordability assessment applies
  • Over 18 only

Benefits of Payday Loan Alternatives No Credit Check Online

  • Options for borrowers with bad credit
  • Flexible loan amounts
  • Flexible terms

Disadvantages of Payday Loan Alternatives No Online Credit Checks

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  • Big Buck Loans – Best For Online Payday Loans No Credit Check Instant Approval Alternative For Unemployed

Big Buck Loans offers same-day online payday loan alternatives with no credit check for the self-employed, self-employed, and those with innovative ways to earn an income. Online Payday Loans No Credit Check Alternatives from $100 to $5,000 are available for those without a formal job.

Eligibility Requirements for Online Payday Loan Alternatives No Credit Check

  • Over 18 only
  • US bank account
  • Earn $250 per week

Benefits of Same Day Online Payday Loan Alternatives No Credit Check

  • Quick Approvals
  • Bad Credit Options
  • A minimum of administrative formalities

Disadvantages of Online Alternatives to Payday Loans No Credit Check

  • Expensive interest up to 35.99%.

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Heart Paydays – Ideal for same day online payday loan alternatives with no credit check

For those who want quick cash, Heart Paydays stands out. Their online payday loan alternatives with no credit check range from $100 to $5,000 with up to 2 years to pay off. Interest starts at 5.99% and goes up to 35.99%. You’ll receive feedback in about two minutes (yes, that’s that fast!).

Eligibility Requirements For Legit Online Payday Loans No Credit Check Alternative

  • Income of $1,000 per month
  • at least 18 years old
  • US bank account

Benefits of Payday Loan Alternatives No Credit Check Online

  • Payments in 60 minutes
  • Bad borrowers are welcome
  • Flexible terms

Disadvantages of Payday Loan Alternatives No Online Credit Checks

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  • Green dollar loans – Ideal for alternatives to online payday loans Instant approval without credit check

There’s no pace or nail-biting when applying for small online payday loan alternatives without credit checks with Green Dollar Loans. Application takes minutes and approval (or rejection) takes 2 minutes! Payments are processed within the hour. Loans range up to $5,000 with up to 2 years to pay off.

Eligibility Requirements for Online Payday Loan Alternatives Instant Approval No Credit Check

  • 18+ to apply
  • Earn $1,000 per month
  • Legal resident or citizens of the United States

Benefits of Online Payday Loan Alternatives No Credit Check

  • Payments in 60 minutes
  • Bad Credit Options
  • Simple app

Disadvantages of Online Payday Loan Alternatives No Credit Check

  • Interest can reach 35.99%.

Click here to apply for funds online today >>

What are payday loans without online credit checks and how do they work?

Payday loans without a credit check online are short-term loans given to borrowers without a credit check. Although this is the concept of a payday loan no credit check, they do not exist due to US lending regulations. Alternatives to payday loans without an online credit check follow a simple loan model where the borrower applies online, the loan is repaid plus interest.

How to Apply for Payday Loan Alternatives No Credit Check Online

Follow these simple steps:

Step 1: Choose your loan amount

Select loan amount from $100 to $5,000 and loan term from 3 to 24 months.

Step 2: Complete the application form

Follow the prompts to enter your data on the online form.

Step 3: Get a decision in less than two minutes

You’ll know if a lender can help you within two minutes of submitting your application.

Step 4: Get your loan

The lender will present a loan agreement which will need to be signed before the money can be repaid.

Features and Factors to Consider When Applying for Payday Loan Alternatives No Credit Check Online

Payday Loans No Credit Check Online Alternative Interest

Interest ranges from 5.99% to 35.99% – this amount is added to the total you borrow.

Amounts and Conditions Associated with Alternatives to Payday Loans No Online Credit Checks

Loan amounts start at $100 and go up to $5,000, with terms ranging from 3 to 24 months.

Reputable Lenders Offering Alternatives to Small Payday Loans No Online Credit Checks

Lending search organizations only match borrowers with reputable and transparent lenders.

How We Picked the Best Alternatives to Payday Loans No Credit Check Online

We searched for lenders offering:

  • 100% online application
  • Same day payments
  • Flexible terms
  • Interest not exceeding 35.99%


We rank Viva Payday Loans as our top pick for payday loan alternatives without online credit checks. Their service is free for borrowers and by using them you save time and money.


What supporting documents do unemployed people have to provide?

You must present your identity document, proof of address and your bank statements.

Can borrowers with low FICO scores get same day payday loans online?

Yes, loan research panel lenders offer payday loans to borrowers with bad credit, and they can repay the same day of approval.

Where can I get $255 payday loans online same day without credit check?

Viva Payday Loans offers great alternatives to $255 online same day payday loans with no credit check.

Disclaimer: The lending websites reviewed are correspondent lending services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

Alignerco Review – Forbes Health Fri, 02 Sep 2022 15:26:51 +0000

Alignerco offers two options, All Day Invisible Aligners or NightOnly Clear Aligners. The overall treatment time for its daytime aligners, which are worn 20 to 22 hours a day, is four to six months, while the treatment time for Alignerco’s nighttime aligners, which are worn only night for eight to 10 hours, is six to eight months.

Both types of aligners can straighten teeth and correct anatomical misalignments or issues like overbite, underbite, crossbite, tooth crowding, and tooth spacing, according to the company. They can also fill moderate to severe gaps between teeth, but this varies from case to case, the company says.

You may feel slight discomfort with your first set of aligners, which are designed to put pressure on your teeth. You will receive a total of eight aligners with the day or night plan which should be worn for 10 days each.

Below we outline the steps involved in the Alignerco treatment plan.

Risk-free assessment
To find out if you are a good candidate for Alignerco’s Invisible Aligner System, you can complete their free online dental assessment. Questions asked include: “What word would you use to describe your teeth: crowding, spacing, protrusion?” How serious is the problem – mild, moderate, severe? Do you have dental implants? Have you ever worn braces or other invisible aligners? Β»

The printing kit
To get started with Alignerco, you will use the dental impression kit to make molds of your upper and lower teeth. Kit includes practice putty, impression trays and hardware, cheek retractor, gloves, impression guide, and prepaid shipping label. If you need help, you can schedule a free one-on-one session with one of Alignerco’s dentists by contacting customer service, the company says. Mail the kit to the company for expert review. It should be noted that after receiving your impressions, if Alignerco’s experts believe that you are not a good candidate for aligner treatment, the company will reimburse you in full for the cost of the impression kit (49. $99).

Smile Projection Plan
You will receive a smile projection plan approximately two weeks after receiving your impression kit, developed under the supervision of dentists. This 3D treatment plan proposal will give you an idea of ​​what your smile will look like after the treatment. You’ll receive before and after photos, and if you like what you see, you can go ahead and approve the plan or make changes. Once you do, you will receive your first set of aligners in approximately three weeks.

It should be noted that while a customer service representative has confirmed that a dentist will oversee an individual session if needed, the degree of actual dentist involvement in your treatment plan is unclear. And even if your dentist will supervise your case, you will not be in direct contact with him. Instead, a β€œSmile Team Member” will act as a liaison between you and your regular dentist.

Treatment plan
Your aligners will come with personalized instructions. If you choose daytime aligners, you will need to wear them for 20-22 hours for the first six months, then switch to night-only wear for the next six months. If you purchase the night treatment plan, your aligners should be worn for eight to 10 hours each night for six to eight months.

Customer service
If you need help, you can use the 24/7 live chat button or email Alignerco’s customer support line, 1-877-840-1561, is open from 9:00 a.m. to 6:00 p.m. EST.

Top 6 lenders for emergency cash immediately Tue, 30 Aug 2022 22:53:31 +0000

There are many reasons why people consider a loan for bad credit. It could be because they have bad credit, they are currently in a bad financial time, they are behind on their bills, they are deeply in debt, they have car repair or simply have to pay to continue living.

Whatever situation you find yourself in, your best bet at this point is to get approved for an emergency loan. Fortunately, this article will feature some of the distinguished money lenders in the industry today. These companies are some of the best of the best and focus their business on customer excellence.

We have to be honest with you though, these lenders are not out to curry favors with you. Naturally, not all of them will have terms and conditions that suit you equally. Nevertheless, they will provide you with options for all of their available emergency loans. What you need to pay attention to are the interest rates charged on these loans.

So sit back and enjoy as you immerse yourself in this great read. We promise you that we will not let you down, instead it will greatly benefit you in your search for the best loans for bad credit. Here is:

#1. MUTUAL MONEY – Emergency cash immediately

#2. FUNDSJOY – Best emergency loans for bad credit

#3. CREDITLOAN – Payday loans near me

#4. REAL AMERICAN LOAN – $255 payday loans online same day

#5. PERSONAL LOANS – Guaranteed loan approval without credit check

#6. FUNDSDON – Quick money without credit check

#1. MoneyMutual – The best emergency loans for bad credit

MUTUAL MONEY – I’m sure you know about MoneyMutual. Why? Because nowadays, this company is one of the leading providers of payday loans in the industry. They are fast, reliable and service oriented. In addition, one of the best speakers is also under their belt.

You understood well. It’s Montell Williams.

With years of experience as a daytime talk show host, he has unquestionably earned not only his fame but also his adoring fans. It has actually grown over the years. For this reason, he was chosen to represent MoneMutual after his stint as a talk show host.

With the fans comes the antithesis – his enemies. And they came in force. They said the only reason he chose to represent MoneMutual is so he can use them during their weakest financial times and benefit the business.

This is not the case. From our observation, Montel Williams is an excellent character in his public and personal life. His MoneyMutual representation proved that too, as seen in the result of his endorsement by the company – a real landslide victory for Montell Williams and MoneyMutual!


#2.CreditLoan – Emergency cash immediately

Next to number two is CreditLoan. You wouldn’t believe their growth! They seemed insignificant at first, but suddenly their name reverberated everywhere as one of the best bad credit lenders! Loan amounts and interest charges are the same as in MoneyMutual. They turn out to be a good competitor for MoneyMutual.

CreditLoans is definitely moving up the ranks of top no credit check lenders. Maybe it’s because they care about their customers and their needs. Will this continue as they reach the top? Nothing is certain at this time, we can only wait and see as the emergency loan industry is a competitive business.


#3. FondsJoy – Bad credit emergency loans with 48 hour approval

FondsJoy is next on the list and is revered by all. Thanks to their amazing marketing team, they were able to win the hearts of their customers using their highly accessible website. Customers rave about how easy their website is to apply for bad credit loans.

With FundsJoy, their rapidly growing business is just a walk in the park. It’s the same with CreditLoans, you can’t help but watch them as they are slowly proving their worth in the money lending industry. But growth means more customers, will they cower in fear or rise to the challenge?

We’re hoping for the latter, but as things stand we just can’t tell and it’s anything but a waiting game. Yes, we love them and absolutely support them for borrowers looking for emergency loans.


#4. REAL AMERICAN LOAN – Best personal loans for veterans and army officers

REAL US LOANS – As the name suggests, this no credit check loan provider is for true blood Americans. They offer their services and will offer them to all Americans looking for payday loans.

So how do you determine a real American? The fundamental factor is their sworn affection for the country. So, it is no surprise that this provider of bad credit loans is extremely important. You can also avail all kinds of loans, such as payday loan, bad credit loan, no credit check loan, short term loan, installment loan, 24 hour loan, of $500, a loan of $300 or a loan of $100.

Can they compare to the notoriety of MoneyMutual? Not at this time. But you can never tell, can you? They might or might not in the future. For now, it is very reassuring to know that they are here to provide loan services to Real Americans when they need it most.


#5. – Fast Cash Now money lender with fast approval

This payday lender has the strangest name, surely we know it. Nevertheless, as inconceivable as it may seem, this money lender is all the rage during the Christmas period. Absolutely. Not surprising because people really need money fast during this time of year and is there to provide the emergency loans they need.

But what about other times of the year? Do they still have borrowers who can occupy them?

Absolutely yes! They surely have customers all year round. What makes it so? Well, money makes the world go round, so there is no shortage of people who need money every day and their name is definitely a big factor. Borrowers often think it is Christmas time whenever they get their bad loans from this company. After all, who doesn’t love Christmas?

What are you waiting for? Please click on the link to visit their website, especially if you are looking for $5,000 loans.


#6. FundGift – Quick emergency cash immediately

FundGift is brand new to the money lending industry. However, they can easily compete with MoneyMutual. What did they do that helped them get this far?

FundsGift’s ability is evidenced by the rapid growth of its business. This is probably because their customers have been steadily increasing, so they have to meet the demand by acting quickly and lending all types of emergency loans to their customers. With the way they treat their customers, you might feel like they’ve been doing it for so long!

We strongly anticipate FundsGift’s future prospects. When it comes to influence and notoriety, in the future, will they compare to MoneyMutual? We will not know for the moment, not everyone has the same opinion.

But when it comes to the terms of short-term loans and 24-hour loans, FundsGift reigns supreme. But for $5,000 loans and $10,000 loans, the prize always goes to MoneyMutual.


How not to get ripped off with a bad credit loan tip

Be warned – applying for a bad credit loan can put you at risk. Just like with people, there are good and bad lenders. There is therefore no shortage of scammers. And they might target you and present themselves as good credit companies for you.

So how would you know what kind of lender it is? It is always good to take precautions. In this case, you need to know your lender if you want to get an emergency loan from them. Research and know their track record and credibility. And always check their online presence – it’s easy to do that now with the help of the internet, so look far and wide.

But what are these payday lenders doing to scam people? Well, they will start by asking you for your personal information. Then they will sell your information to other third parties, and the next thing you know someone is contacting you about emergency loans.

What they then do is ask you to deposit for your non-existent loan, and once you do, the company that is supposed to help you in times of need is gone with your money. Yes, you are undoubtedly the victim of a scam.

We wouldn’t want that to happen to you. So, we emphasize again – be very careful in choosing your bad credit loan lender. There are good lenders out there who can help you out, but we’d like to avoid those bad companies who profit by scamming others.

Final words on emergency money immediately

Finally, the end is near. As discussed, we’ve shown you six of the top bad credit lenders in America. As we promised, we discussed the pros and cons of each lender.

Using this article, you should be able to choose loan without credit check lender is the most satisfactory for you. Some borrowers will have made a decision very quickly, but others will not and will instead take their time making up their minds.

Not a problem at all – because a lot of people are like that too. For you, we invite you to use the most remarkable of all – MoneyMutual.

Please go to the official website of MoneyMutual by clicking on the link below. And start applying for a bad credit loan now!


MoneyMutual Win as top lender with no credit check with guaranteed approval

Along with our closing remarks, let’s use them to discuss MoneyMutual further. Our vote for first place for bad credit lenders goes to them. Some may accept this but others may not. For you, allow us to provide the following criteria as to why we gave them top ratings:

  • Global customer service
  • Loan turnaround time
  • Market share
  • Online presence

No payday lender compares to MoneyMutual – they are surely standing at the top. And they have been doing it for many years now. We see no interruption in their sequence. They will continue to be the best of the best.

So, if you urgently need a bad credit loan company now, go to MoneyMutual. They are the cream of the crop and will definitely give you the best care in your no credit check loan!

=> Apply now for a bad credit loan start here.

Do you have big plans? Here are 5 times your personal credit may not be enough Mon, 29 Aug 2022 10:00:41 +0000

Image source: Getty Images

The world of finance does not entirely revolve around personal credit.

Key points

  • Having a personal credit history is very important, but it is not always sufficient in all situations.
  • Business loans may require establishing business credit separate from your personal credit.
  • Not having enough credit history or having a bad credit history may mean you need a co-signer to help you get financing.
  • Some situations require more than credit, they also require money.

It’s hard to overstate the importance of credit in today’s financial landscape. Everything from personal loan applications to mobile phone contracts may require a credit check. And many things get a little more difficult without an established credit history.

Sometimes, however, your personal credit simply won’t be enough. When this happens, you may need to take other steps to keep your plans on track. Here are some common scenarios where you may not be able to rely solely on your personal credit.

1. When you need financing for your business

If you have a small business, that is, not a corporation, your personal credit will affect many aspects of your business finances. Small business credit cards, for example, require a personal credit check and a personal guarantee.

But your business will also need to build its own credit. Many kinds of business financing will rely on your business credit instead of or in addition to your personal credit during the approval process.

Establishing business credit is not as simple as establishing personal credit. While you can build personal credit with a credit card and time, building good business credit takes more hands-on effort. In the long run, however, this effort can really pay off by making financing easier, improving loan terms and improving relationships with suppliers.

2. When you have a limited credit history

One of the big pitfalls of finance is that you often need credit to get credit. Lenders like to see that you can manage credit responsibly before extending more credit. As such, it can be difficult to get new credit while you’re still building your credit history.

There are several ways to circumvent this obstacle. The easiest way to build a lean credit history is to get a starter credit card, such as a secured card. If you pay your credit card on time each month and keep your balance low, your credit score will go up. Over time, you’ll build enough credit history to qualify for more and better credit.

Alternatively, you may need to use a co-signer. This is when someone with good credit agrees to take over your financing if you stop paying. However, being a co-signer can be risky, so be careful before entering into these types of relationships.

3. When you rebuild your credit

While good credit can open many doors, bad credit can close them just as quickly. If lenders see that you’ve made credit mistakes in the past, they may not want to extend further credit to you. Even if you are approved, you will often be charged much higher interest rates than other borrowers with better credit.

The solution to a bad personal credit history is very similar to no credit: you have to build — or, in this case, rebuild – your credit. A secure credit card, used responsibly, can help you rebuild your credit over time.

If you can’t wait for your credit score to bounce back, some lenders allow co-signers. Just make sure you can pay your debts, because your co-signer can be in a lot of trouble if you fall behind.

4. When you buy a house

Given the exorbitant cost of real estate these days, very few of us manage to save enough money to buy property with cash. This makes financing a necessity. But getting a mortgage isn’t just about your credit; you must also meet the income and indebtedness criteria.

In other words, if you don’t make enough money β€” or if you already have too much debt relative to your income β€” you probably won’t qualify for a mortgage. This is true even if you have perfect credit.

That being said, it is certain assistance have great personal credit. For example, the better your credit, the lower your mortgage rate will be. You may also be able to get away with a lower down payment (although this has its own drawbacks).

5. When renting an apartment

Your personal credit can absolutely impact your ability to secure an apartment. A troubled credit history may require a large deposit – or even get you flat out. But even the best credit won’t be enough if you don’t meet the homeowner’s income criteria.

At a minimum, this is usually a monthly income of at least double the rent. More often, however, you will need an income three times the monthly rent to qualify for an apartment from a major rental company.

If you are going to rent with another person, such as a partner or roommate, this may be easier to accomplish. In these cases, your combined income is generally used to meet income requirements. Some companies may also accept a co-signer who will not reside in the apartment.

Credit is important, but it’s not everything

Having good credit is undeniably important in the modern world of personal finance – and, sometimes, outside of it. A good credit history can not only help you secure vital financing, but it also helps you get approved for things like housing and utilities.

However, your personal credit isn’t always the only thing you need to achieve your goals. That’s why it’s important to take a holistic approach to your finances. This means working to increase your income, diversify your resources and manage your debt.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

Three reasons to get a private student loan Sat, 20 Aug 2022 18:32:17 +0000

Over 43 million Americans have student loan debt. 93% of the According to a 2021 MeasureOne assessment, the $1.7 trillion in total projected student loan debt in the United States is federal loans. Despite the prevalence of federal student loans, private loans remain a viable alternative for students. They may even be the only option for some.

While the US Department of Education offers very explicit federal student loans, private student loans aren’t as easy. Private student loans are made available by many financial entities, including banks, credit unions, and other organizations. And each may have distinct requirements, costs, and pricing.

There are many aspects to consider, starting with the interest rates offered by each lender (private student loans can have fixed or variable rates). Discover the rates available today!

Learn more about why and when you would need a private student loan, as well as the pros and cons of having one, by reading on.

When to get a loan for private education

In general, you must exhaust your federal student financial aid (if you have any) before applying for a private loan. After that, you can start your search.

If your application for a Free Federal Student Aid Application (FAFSA) was denied, you are not eligible for financial aid, you have not received enough aid, or you need funding for additional educational expenses, you will likely need to seek out a private student loan. lender.

Here are three additional reasons to consider a private student loan.

You need to borrow extra money.

If you have exhausted your financial aid or need additional funds for an unforeseen need, a private student loan may be just what you need. According to the Consumer Financial Protection Bureau, private lenders are often able to provide larger loan amounts, especially if you have a strong credit history and can justify why you need the money.

Just be sure to research what each lender offers and the different regulations.

Federal Student Aid reports that undergraduate students can borrow up to $12,500 per year using federal student loans, while graduate and professional students can borrow up to $20,500 per year. The maximum amount depends on your rank, position as a dependent, and other variables. Your FAFSA documents should have more information on loan limits. Contact your school’s financial aid office if you have further questions regarding borrowing restrictions or other matters.

In contrast, some private lenders provide maximum loan amounts of $100,000 or more. Again, loan limits and other restrictions vary from lender to lender. Your credit history, salary, and savings can also play a role in determining your borrowing limit. This is especially important if you attend an expensive institution and want more help.

Before applying for any type of loan, you must carry out a thorough financial analysis. Sallie Mae suggests costing your tuition and other expenses and borrowing only the amount you need.

β€œSome lenders require the school to authorize or confirm your private student loan amount to prevent you from borrowing more than you need. It’s a brilliant idea. Borrow only the amount needed to cover tuition and related costs, so that your post-graduation obligations are reasonable,” writes Sallie Mae on her website.

2. You need money fast

The application process for a private lender may not take as long as filling out and submitting a FAFSA form. However, you will still need to have various documents and financial information. information prepare. Therefore, if you need a last minute loan, contact a private lender.

Once the FAFSA form is submitted, it must be carefully evaluated by the U.S. Department of Education, which may take three to five business days (perhaps longer if errors, corrections, or signatures are required), after what it is transmitted to your establishment. for further review and approval. Keep in mind that this is the most common type of student loan, so there are plenty of applications to consider. Processing a federal loan can take several weeks or months, depending on the type of loan, the school, and the application.

If you are a first-time borrower in your freshman year of college, you may have to wait at least 30 days from the first day of the semester to get the money.

There is no certainty as to when your private student loan money will be deposited into your account, but it often takes between two and ten weeks. However, if you (or your co-signer) have an excellent credit history and a stable salary, you could receive the loan even faster. Also, some private lenders will pay you money directly, bypassing your school’s financial aid office. However, you should check with the private lender and your school’s financial aid office to understand their method.

You have expenses that are not covered by federal loans

When federal student loan options have been exhausted, students typically turn to private student loans or personal loans for financial assistance. The majority of international students are also not eligible for federal student funding; however, there are exceptions depending on the circumstances.

Federal loans cover a variety of costs, including tuition, transportation, and living expenses. However, as stated earlier, there are limits to the amount you can borrow. If you don’t want to pick and choose or need additional funds for educational expenses not covered by federal loans, you may consider a private student loan.

Considerations before obtaining a private loan

When borrowing money, it is always prudent to follow the advice of experts. And most believe that federal student loan choices should always be considered first, as they often offer more benefits and guarantees than private student loans.

Here are some other benefits of federal student loans, per Federal Student Aid:

Eligibility for Student Loan Forgiveness

Fixed interest rates

No credit check or co-signer required.

Several repayment options

Loan Consolidation Options

No prepayment penalties

If you need a little extra cash and have exhausted your federal student loan options, you might want to consider taking a part-time job or investigating passive income opportunities. You can also discuss your alternatives with a school counselor. Perhaps you qualify for a scholarship or grant that could help improve your financial situation.

And remember, there are ways to succeed while avoiding debilitating student loan debt. Be sure to conduct adequate research and budget accordingly.

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