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BadCreditCity - Personal Loans
Personal loans are a secure and dependable way to access the money
you need. Whether it is a critical situation, home improvement project
or consolidation of several smaller debts, this fast and reliable solution
could be your answer. Personal loans can be used for just about any
financial need and the flexibility of the amount borrowed makes
personal loans ideal for many situations.
More and more people find personal loans to be easier and better
suiting than credit cards or other options which may charge high
How Do Personal Loans Work?
A Personal loan is a type of an installment loan, meaning that it is paid back over a set period of time, utilizing a suitable payment schedule. The payments are set up at a fixed price and payable over a period longer than 85 days. Personal loans are an effective way to access a larger amount of cash which can be used for a wide range of purposes. With a Personal loan, you could request a loan for up to $15,000.
Accessing a Personal loan online is quick and easy to do. It just takes a few minutes to fill out our online form and we will connect your information to our massive network of lenders. Bear in mind that you must be a US citizen or permanent resident and you must be 18 years or older to request a personal loan. You must also have a steady income and an active checking account to approved. Shortly after submitting your information, one of our reputable lenders will contact you with an offer. Once approved, the funds will be deposited into the bank account you provided. You will be able to access the money as early as the next business day.
At BadCreditCity the security of your personal information is our top priority. We use the top of the art electronic information encryption technology to ensure that your information is safe and secure.
We provide you not only with speed and convenience but also with the peace of mind that your privacy is not being compromised.
Rates And Fees - The APR is the rate at which your loan accumulate interest. APR and fees are adjusted by many variables, including your credit rating, your FICO score, your state of residence, your income and more. Your lender will give you all details on the APR Rates, loan fees, and other terms when submitting your information for a loan. Please make sure to read the given information carefully. The Truth in Lending Act law requires full disclosures from our lenders of all loan fees and interest rates. If you are offered a loan, you are under no obligation to take it.
Implication of Late, Non or Partial Payment and Renewal policies - The terms and additional costs for late payment, Non Payment or Partial Payment and Renewal policies varies by each lender. This may include additional fees and interest and may result your credit score. All lenders are committed to expose the terms for late payment, Non Payment or partial Please make sure to read them carefully.
Credit Score Impact - It is important for a borrower to understand that being late on a payment, rolling over a payment or missing a payment will directly impact their credit score. lenders may verify your driver's license number, social security number, national ID, or and review your information against national databases to include but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity to determine whether to approved your online form or not.
Collection Practices - As part of the loan, your lender will provide you documents in which you will find detailed information concerning their specific debt collection practices. If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. After entering into a loan repayment schedule,you are protected by the Fair Debt Collection Practices Act (FDCPA), which is overseen and enforced by the Federal Trade Commission and the Consumer Financial Protection Bureau. Our lenders are required to abide by the FDCPA, which includes the following rules (this applies both to lenders and third-party collection agencies working on behalf of the lenders):
NOT contacting consumers by phone anytime before 8 a.m. or after 9 p.m.
NOT contacting consumers by phone with the intent to annoy, harass, or use abusive language.
NOT collecting debt through deception or misrepresentation.
NOT threatening legal recourse when no legal action is permitted.