If you have any questions about personal loans, the way they are granted and repaid, late payment penalties and other charges, please, study this section of our website. Here you will find the answers to the most common questions our visitors ask. We have explained in every detail the key aspects of our service and the features of loan industry in general. If after you’ve studied this page you still have questions concerning the procedure of obtaining personal loans online, please, get in touch with the specialists of PersonalLoanDial.com and ask them all your questions.
It should be emphasized that we are not lender and therefore we are not privy to the data concerning specific features of small personal loans offered by our partners. All the questions associated with interest rates, the schedule of repayments, possible penalties and fees should be forwarded to the lender you’ve chosen. As for the inquiries addressed to our specialists, we try to respond to them as quickly as possible. As a rule, we answer the users’ questions within 48 hours.
This term denotes is a small unsecured loan, provided to physical persons for different needs. The money can be intended for financing a wedding, tuition fees or home improvements. In any case, the amount of unsecured personal loans offered by the lenders we represent is limited to $3,000. The necessary sum is transferred to the client’s bank account, whereafter he must repay the loan plus interest in several prescheduled payments. It is the credit company that predetermines the schedule of loan payments, as well as the amount of interest and other charges associated with the loan. Please, take time to study all the credit terms specified in your lending agreement in due time, before you receive the money.
Many banks and credit organizations have extremely strict lending requirements and borrower qualifications; this is why a number of potential clients cannot take money from them. The lenders from our network have comparatively permissive borrower requirements. In fact, most of Americans can obtain best personal loans from the credit companies we represent. Here are the common lending criteria of our partners:
The lenders working in our lending network can grant you up to $3,000. Naturally, this figure depends on multiple factors and is predetermined on an individual case-by-case basis.
The amount of money you can receive via PersonalLoanDial.com depends on your living circumstances, your personal financial situation, average monthly earnings, experience of occupation, place of residence, and so on.
Fill in the request application form on our website, specify your personal data, and the lenders from our network will inform you of how much money you can borrow from them and what is the cost.
Fill in the online form on our website, submit your application, and we will match you with the credit company that is ready to offer you the necessary sum. Study the lender’s loan terms and conditions and get in touch with him. Discuss the details of the loan with him, read the lending agreement he has sent to you, and – if you are satisfied with all the aspects of the credit granting – then e-sign the document. You will receive the money within 24 hours after you’ve e-signed the agreement. Most frequently, poor credit personal loans are deposited to the clients’ bank accounts.
Actually, yes. Some of the lenders we represent provide personal loans to the clients with bad credit and to those who have no credit history at all. Most of our credit organizations perform credit checks of their potential borrowers.
But you should not be afraid of this procedure, as it is the part of the common qualification process, and in most cases the results of this check do not influence the final decision of the lender on whether to approve your application or not. The only thing that matters is whether the client meets the lender’s basic loan requirements.
At the very least, this process takes one working day. After you’ve submitted our online form you’ll have to wait for several hours, so that our system could find the credit company that can offer you the necessary sum. You will receive the lender’s contact data and loan term in a couple of hours. Study his conditions and requirements and take your ultimate decision concerning his offer. If you are satisfied with all the aspects of the credit granting, get in touch with the chosen lender, and discuss with him the details of your good\bad credit personal loan. Afterwards you should e-sign the lending agreement and send it to the credit company. The money will be deposited to your bank account the next business day, within 24 hours after you’ve e-signed the document.
Yes, in some cases we ask the users of PersonalLoanDial.com to fax certain information for verification. It concerns, first of all, our new clients who want to obtain bad credit personal loans for $3,000 for the first time. Please, be ready to fax us all the necessary data; if you have no fax machine you can reach out to a public library or a local UPS store. In such organizations, they will easily fax your papers at nominal charge.
The services of our website are absolutely free of charge. We do not take any money for registration, filling out our online form, getting in contact with the chosen lender, and so on. You can submit your application as many times as you want. You can terminate your registration on the website at any moment before you’ve finished filling in the form and clicked the button “Submit”. Your application can be withdrawn for any reason at any moment before you’ve submitted it. Besides, you can refuse to take personal loans with no credit check from any of the direct lenders you’ve been matched with.
As for the total costs associated with this type of loans, they are completely determined by the credit organization you’ve chosen. Please, take time to study your loan agreement and acquaint yourself with personal loan rates and other charges permitted in your state. Make sure you are satisfied with all these figures, and you will be able to repay the lump sum of the loan plus other fees and charges.
In some states you can, in others it is forbidden. Devote some time to study corresponding rules and regulations in force in your place of living. Besides, you should specify all the data concerning your current credits when filling out the form on our website. If you hide this information, our lenders will uncover the truth while performing their credit checks and your concealment of this meaningful data will take a heavy toll on their ultimate decision on whether to grant you the necessary sum.
The loans of this type are repaid in a series of monthly payments. You can specify the amount and schedule of these repayments in the loan agreement provided by your credit organization. Besides, the terms and conditions of credit repayment depend to a large extent on the corresponding norms and regulations in force in your place of living. Please, ask your lender about these details of your loan, as the specialists of PersonalLoanDial.com are not privy to this information.
Please, get in contact with you credit organization as soon as you realize that you won’t be able to bay back your bad credit personal loan. Explain your situation to him, and maybe you’ll avoid penalties and additional charges. If not, you will have to pay late fees established in compliance with local legislation. The amounts of these charges depend on the rules in force in your state and the lender’s loan terms.
We highly recommend you to avoid such problems. But if you see that you won’t be able to make a prescheduled payment in due time, please, get in touch with your credit company directly. Inform the lender about your problem and ask him to prolong your loan term, so that you could pay down the debt later. Remember that your credit organization may set late payment fees and you will have to pay back a greater sum of money.
In some states, when a person takes bad credit personal loans with guaranteed approval, he or she may use a 72-hour satisfaction guarantee option. It lets borrowers return the lump sum of the loan without any fees and charges within 72 hours after the loan agreement signature. Take time to find out whether this guarantee is valid in your state of living.
No, you shouldn’t. You can use our online form as frequently as you want to. Nevertheless, you must not forget to specify all the actual data on your current loans when submitting a new application. Besides, we recommend our visitors to wait for at least 4 hours before sending a consecutive request.
If you still have any questions concerning personal loans with bad credit\no credit history, please, get in contact with your lender and discuss these issues with him. You can find his contact data in the lending agreement he has sent to you.