Personal Loans Hub http://www.personalloanshub.com Sat, 18 Sep 2021 06:21:26 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.6 Bank of America Personal Loans https://https://atomsoft.ru/full/bank-of-america-personal-loans/?utm_source=rss&utm_medium=rss&utm_campaign=bank-of-america-personal-loans https://https://atomsoft.ru/full/bank-of-america-personal-loans/#comments Thu, 22 Apr 2021 00:12:00 +0000 https://https://atomsoft.ru/full/?p=155 Bank of America provides an array of Personal Lending Solutions. Know about BofA Personal Loan without collateral and their requirements.

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It has been several years since Bank of America stopped offering personal loans even for people with good credit score. So, anyone looking to a big bank like BofA must know that it is futile to try and get financial assistance especially when he or she is struggling with credit.

So, Bank of America is not ideal for a bad credit personal loan. Is there any other option to try?

Yes, there are options but that depend on several factors, the most important being your credit score. Obviously, a person seeking a bad credit personal loan will definitely have trouble with his or her credit history.

Fortunately, there are companies that have come up just to cater to such people. They might need you to be sound in one or more areas to be able to apply for financial assistance. For example, some might look into your income pattern while others try to bring together a set of stringent rules to help them make for the associated risks and dangers of an unsecured loan.

While credit unions have always been there to help members with their sundry financing needs, there have been a big growth in the number of peer-to-peer lending institutions that do not give much consideration to your credit rating. Of late, we see a number of online lenders as well that promise swift processing and easy application.

Alternatives to Bank of America Personal Loan

To cut short the long debate, we are now presenting you with a selection of some well-known bad credit personal loan providers in 2021.

Avant

A Chicago based company, Avant is known for extremely low credit score, which can be as low as 580. The downside is that it doesn’t allow co-signing. Also, the APR can be of the higher side and the maximum amount you can borrow can be $35,000. Borrowers seeking refinancing option or looking for a flexible payment option may find Avant loans useful.

Personalloans.com

A network of lenders, Personalloans.com can be useful for people who have extremely low credit score and need only a little amount to borrow. The maximum loan amount is set at $35,000 and a person residing anywhere in the country can apply for a poor credit personal loan. The loan can be had for a maximum of 6 years.

FirstFinancial

Headquartered in Cincinnati, Ohio, First Financial is a full-fledged bank offering services at regional level. Among the range of its services include personal financing, which can offer a personal loan of up to $15,000 for a term period of up to 5 years. The application process is quite easy, but you need to have a fair credit score and decent income to qualify for the loan.

LendingClub

You need at least a score of 600 to qualify for a loan at LendingClub, which is a major peer-to-peer lending company based in San Francisco. A borrower also needs a minimum credit history of three years and a DTI ratio not exceeding 40%. However, you can apply jointly to avail more flexible application criteria.

Prosper

A rival company to LendingClub, Prosper is also a major peer-to-peer lending company and has headquarters based in San Francisco. It may be quite difficult to apply here for a person with very low credit score. However, you can apply here without ever thinking about a dent in your credit health as it pulls a soft credit check. Moreover, you can still be eligible to apply if your monthly income is anything above $8,000.

What are the eligibility criteria to apply loan at Bank of America?

You will need to provide specific details and documents to verify you trustworthiness, credit history and all financial background for Bank of America personal loan application.

You will have to submit following:

  • Copy of a prior two year W-2s Form
  • 2 current consecutive pay stubs
  • Last two month bank statements of all accounts
  • Self attested tax return copy
  • Self-employed person can submit his quarterly or yearly profit/loss details
  • If you are borrower of mortgage, line of credit or home equity loan, submit monthly statement.

You can easily download loan Application Requirements Checklist.
bank of america personal loans

Source: https://secure.bankofamerica.com/applynow/welcome.go

What types of personal loan options available at Bank of America?

Bank of America always helped to borrowers as personal finance at emergency time. It provides an array of financial solutions in all over country which is described below:

Auto Loans

Whether you are looking to buy a brand new or a used vehicle, BofA offers auto loans that come with a number of benefits. You can easily finance your car with a low rate auto loan having flexible repayment terms and conditions. Borrowers should ensure fixed rate before buying a car. Currently, bank describes 2.39% APT+ on new car, 2.64% APT+ on used car and 2.89% APT+ on refinance. When you obtain an auto loan from the bank, you enjoy the following benefits:

  • Lower interest rates
  • A 0.5% rate discount on auto purchase or refinance loan for BofA personal checking customers
  • Fast access to funds (in as little as 24 hours)
  • Online payment tools and auto loan calculators
  • Dealer network that can help streamline the purchasing process.

Home Equity Line of Credit

Your home opens the door to a number of possibilities. Use the equity of your existing home to secure a home equity line of credit from BOA and get instant access to funds whenever you need it. Use your credit line to complete a home renovation project, plan a vacation, make a major purchase, consolidate debt, or pay your child’s tuition. Basic features of this line of credit include:

  • 875% variable APR
  • Minimum line amount of $25,000
  • Maximum line amount of $500,000 (for primary residence) and $100,000 (for second/vacation home)
  • A 10-year draw period followed by a 20-year repayment period.

You can call customer service representative at 1.800.763.2053 for Home Equity Line of Credit.

Home Equity Loan

This is a fixed rate loan that you can obtain by providing your home’s equity as collateral. It allows you to get the entire loan amount all at once. As you borrow a one-time lump sum, this loan is convenient for large expenses and debt consolidation. Some basic features of home equity loan are:

  • You have to pay fixed rate, monthly principal and interest
  • Fixed loan term ranging from 3 to 25 years
  • Minimum line amount of $25,000
  • Maximum line amount of $500,000 (for primary residence) and $100,000 (for second/vacation home).

What is the best deal regarding personal finance at Bank of America?

Personal loans can be classified into two types: secured and unsecured. To obtain a secured loan, you need to provide a collateral such as your home, car, savings account, or certificate of deposits. Providing collateral allows you to get lower interest rates and better loan terms.

Unlike secured loans, you are not required to provide any collateral to get unsecured nature loans. Approval for the loan mostly depends on your credit score and income status. The banks generally charge higher interest rates for unsecured loans. You can follow some simple steps to get the best deals when applying for personal loans:

  • Shop around, check customer review, and compare rates and terms of various lenders
  • Check your current credit score and fix any discrepancies before making your loan application
  • Understand your repayments terms and look out for hidden fees and charges
  • Provide collateral if possible to get lower rate and better repayment terms
  • Make your repayment on time and maintain your budget.

Bank of America personal loans for bad credit

Does Bank of America offer Personal Loan?

Bank of America promises its customers to provide financial solutions to all their financial needs. Customers who wish to avail the personal loans, in the form of auto loans, home loans, mortgages etc, can submit their loans application by visiting any branch of Bank of America. Bank of America also provides its customers the online facility of application submission on the bank’s website. To avail the online banking facility, customers have to sign up for it first. In order to access the personal finance application status, customers have to provide their email address, mother’s maiden name and the social security number.

Is there lowest interest rate available at Bank of America?

Bank of America loan interest rates are subject to vary from one state to another and depend largely upon current market trends and scenarios. However, the bank ensures that the interest rates are competitive, affordable and reasonable for the customers. These loans are provided on a fixed rate and duration basis. This forces the borrower to be disciplined and pay the loan off within the given time frame. Personal loan rates also differ from person to person as well, depending upon the individual credit history and loan repayment records.

What is the loan customer care number of Bank of America?

Borrowers can contact the Bank of America customer support department for various queries related to the unsecured personal loan debt, debt consolidation, loan modification etc, and can speak with the customer service representatives to know about interest rates, bad credit and other related assistance. In case of any sort of financial difficulties, customers can reach the department by logging in to the online banking service of the bank or can dial the phone number: 800.432.1000.

How to avoid bad credit loan scams at any lenders?

Keep your eyes and ears open when searching for a lender. Instances of scams and frauds are not unreal. You must avoid the dangers and keep your financial status safe from the evil activities of unscrupulous lenders.

The following are some tips.

  • Use all online and offline media to search lenders in your area and select only a few that matches your financing needs and application eligibility.
  • Collect as much information as you can for all selected lenders and sort your list again to give top priorities to those that look more authentic.
  • Starting from the top of your list, visit the physical location of the company, meet its authorized person and gather all required information.
  • Pay special attention to APR, interest rates, closing fees, hidden charges, prepayment penalty and any other relevant information.
  • It is always better to interview an existing client of the company and base your judgement according to their reviews.

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US Bank Personal Loans https://https://atomsoft.ru/full/us-bank-personal-loans-and-lines-of-credit/?utm_source=rss&utm_medium=rss&utm_campaign=us-bank-personal-loans-and-lines-of-credit https://https://atomsoft.ru/full/us-bank-personal-loans-and-lines-of-credit/#comments Fri, 09 Apr 2021 11:51:00 +0000 https://https://atomsoft.ru/full/?p=195 US Bank Personal Loans and Lines of Credit are unsecured type which are generally available for US Bank customers. View comparison of personal loans and lines of credit.

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Personal loans and lines of credit are exclusive for the customers at US Bank. This means you are not likely to get approval if you do not have a checking or savings account at US Bank.

The customers of the bank, on the other hand, are offered an array of personal lending solutions with low interest and with little application requirements. Among the many things, you can also consolidate debts with this loan.

Moreover, it is easy to apply for a loan and it can be done online as well. But before that you want to check the options.

Comparison of US Bank personal finance and lines

  Personal Loan Line of Credit
Loan Amount or Credit Limit $3,000 – $25,000 (subject to credit approval) Maximum credit limit depends on borrowers’ annual income and other factors
Interest Rates Fixed and competitive Fixed (currently the interest rates may be anything between 9.25% and 13.25%)
Fees No annual fees No annual fees
Collateral Not needed Not needed
Repayment Terms Fixed monthly Can be paid monthly

Personal loans classification of US Bank

The bank always offers unsecured nature personal loan and line of credit. It is classified into the following:

  1. Premier Line of Credit
  2. Premier Loans
  3. Reserve Line of Credit

US bank personal loans

Source: https://www.usbank.com/loans-lines/unsecured/

US Bank Premier Line of Credit

A line of credit is a good choice to meet day-to-day expenses. You have cash ready anytime you need with such an option.

Premier Line of Credit is an unsecured loan product offering generous credit limits and competitive Annual Percentage Rates (APR). The present rate of interest ranges from 9.25% to 13.25%, which is quite affordable.

Moreover, there can be numerous ways to access your funds once approved, such as Premier Line Access Checks, Visa® Platinum Access Card, Branch tellers, 24×7 Banking service and USbank.com.

You don’t have to pay any fees for fund advanced by phone, Internet, branch teller, or Premier Line Access Checks.

The collateral-free credit line ensures a fast access to your funds along with benefits, such as free Internet banking, bill pay, online statements and account alerts.

To apply, you need to provide Social Security Number, a recent rent proof or mortgage payment, and current income and employment details.

US Bank Premier Loan

This is good if you need money all at-once. A lump sum is credited to your bank account once you get approval.

You will get loan amounts from $3,000 to $25,000 along with competitive interest rates and possibly Green Home Improvement/Energy Efficient interest rate discount.

It is an unsecured loan with a fixed interest rate and fixed monthly payments. So, no collateral is required and there are also no annual fees, appraisals or inspections.

All you need to apply for the loan are Social Security Number and a proof of your current rent or mortgage payment. If you want to borrow more than $15,000, then you will also need a good credit history and income & employment details for application.

US Bank Reserve Line of Credit

It is a line of credit that protects your US Bank checking account from accidental overdraft. No annual fee is charged for the service and payments are also very convenient. Funds can be accessed using a check, ATM or U.S. Bank check card.

How to apply US Bank Lines of Credit and personal loan

The following are some of the prerequisites to apply for a loan or line of credit:

  • You must be a U.S. Bank customer.
  • Your account with the bank must be more than four months old.
  • You should have a high credit score, preferably more than 700, to qualify for a personal loan request at US Bank. People with bad credit or poor credit standing will have to look for a secured loan option at the bank.
  • You must provide the following information on your application:
    • Social Security Number
    • Annual Income
    • Rent or Mortgage Payment
    • Employment Details

If you have recently opened an account with the bank or are not a US Bank customer, you may need to visit a branch of the bank. Your loan may be approved only after the bank is satisfied with your credit standing.

For more information, you can call 800-491-3150.

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Bank of America Debt Consolidation Loan https://https://atomsoft.ru/full/bank-of-america-debt-consolidation-loan/?utm_source=rss&utm_medium=rss&utm_campaign=bank-of-america-debt-consolidation-loan https://https://atomsoft.ru/full/bank-of-america-debt-consolidation-loan/#respond Tue, 23 Mar 2021 21:42:00 +0000 https://https://atomsoft.ru/full/?p=1871 A debt consolidation loan can be a good option to lower your monthly payments if you are struggling to pay multiple high interest credit card debts or unsecured loans. To be more specific, a consolidation loan allows you to reduce your debts by merging them into one easy monthly repayment. Bank of America debt consolidation …

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A debt consolidation loan can be a good option to lower your monthly payments if you are struggling to pay multiple high interest credit card debts or unsecured loans. To be more specific, a consolidation loan allows you to reduce your debts by merging them into one easy monthly repayment. Bank of America debt consolidation personal loan is called clean sweep program which is a good option to consolidate your credit card debt.

A number of banks and debt management firms are more than willing to help you if you have multiple loans or credit card debts. Being one of the largest banks in the United States, Bank of America has millions of customers across the states, who get benefits to pay off their multiple debts.

Given the present economic condition, it’s natural that a large number of people fall in debts. To help such people, BofA (Bank of America) offers a debt consolidation program known as “Clean Sweep Program”.

This program offers you convenient options to consolidate your high-interest debts.

You will probably be able to get a lower interest rate with a “Clean Sweep” and save some money from the interest that you pay on your exiting individual loans or credit cards each month.bank of america debt consolidation loan

Bank of America Personal Loan for Debt Consolidation

Bank of America debt consolidation loan program comes with a number of benefits and it is an effective way to improve your financial condition.

This program will help you get rid of your debts through one consolidated monthly repayment.

The best thing about this consolidation loan is that it can help reduce your interest rate to as low as 8%. You will find this rate to be much lower that what you currently pay on your individual loans or outstanding credit card bills.

However, a major drawback of this loan is that it comes with variable APR and the bank will charge 3% transaction fee whenever you take an advance.

Is collateral required to get a debt consolidation loan at Bank of America?

There is not require you to provide any collateral to obtain this loan. Therefore, there is no risk of putting your home or vehicle as security against the loan.

It is to be noted here that Bank of America does not offer unsecured loans to people with bad credit history.

Does Bank of America charge annual fee or penalty for debt consolidation personal loan?

There is no prepayment penalty or annual fee, and the bank will respond with a decision within 15 minutes of applying. As you continue to pay down your loan balance, a re-accessible cash reserve becomes available for you to borrow again.

You can visit nearest Bank of America branch or call a bank representative at (800) 500-5306 for further information about this consolidation option.

Bank of America debt consolidation for credit card bill

Taking control of your finances and managing your monthly budget is crucial if you want to avoid unnecessary financial troubles. There are strategies to pay off credit card debt fast at Bank of America.

bank of america loan to pay off credit card debt

If your existing credit card bills and loan repayments are mounting up, it’s time that you consider cutting down your expenses and seek assistance if you need it.

Sooner or later, your debt can pile up way beyond your ability to repay and this will seriously affect your credit status.

  1. You can start managing your credit card expenses by planning a tight budget based strictly on your monthly necessary needs.
  2. You can track your monthly spending and figure out how much you actually need to make all your monthly payments.
  3. Avoid taking cash advance from your credit cards and stick to a monthly budget.
  4. You can also seek the assistance of a professional debt management company who are well experienced in planning debt management solutions for people having multiple debts.

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Chase Debt Consolidation Loan https://https://atomsoft.ru/full/chase-debt-consolidation-loan/?utm_source=rss&utm_medium=rss&utm_campaign=chase-debt-consolidation-loan https://https://atomsoft.ru/full/chase-debt-consolidation-loan/#respond Mon, 22 Mar 2021 03:51:00 +0000 https://https://atomsoft.ru/full/?p=1772 Are you struggling to pay your monthly payments? Do you need to save a little from your credit card and auto loan repayments? Why not consider consolidating your debts to lower your monthly payments and save some hard-earned cash? Chase Bank does not offer debt consolidation loans directly to its customers; however, personal loans and …

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Are you struggling to pay your monthly payments? Do you need to save a little from your credit card and auto loan repayments? Why not consider consolidating your debts to lower your monthly payments and save some hard-earned cash?

Chase Bank does not offer debt consolidation loans directly to its customers; however, personal loans and home equity lines of credit offered by the bank can be used to consolidate your debts.

Making multiple monthly payments on your loans is not easy and you may face defaults and your credit rating may be affected by it.

By availing a home equity line of credit from Chase, you can combine all your existing installment loans, including small business loans into one line of credit having lower interest rate and monthly payments.

chase debt consolidation loan

How to consolidate your credit card debt with some calculations?

Visit the website of JPMorgan Chase to use the debt consolidation calculator and HELOC calculator to know if such an option is viable for you.

Debt Consolidation Calculator

Debt consolidation loans calculator is a convenient tool that can help you find out how much you will be able to save by consolidating all your multiple debts into a single home equity line of credit.

To make the calculation, you will have to enter information regarding your existing debts, monthly payments, interest rates and current balances.

HELOC Calculator

The bank also offers a home equity line of credit calculator that shows how much you will be able to borrow against the equity value of your home.

To find how much you can save through debt consolidation, enter details of your existing loans, amount owed in different loan, monthly payments and the months left in the loan terms.

Now that you completed the first step, you should now take a look at the features of Chase home equity loan and begin the application process.

Pros and Cons of Debt Consolidation Loan

Some financial experts say that credit card debt consolidation is a myth, while some say that it is an effective way to pay off debts timely. That being said, you should make yourself clear with the different stories surrounding debt consolidation.

What are the Pros of debt consolidation loan?

Whether you need a faster way to pay off high-interest debts or you want to lower monthly payments, debt consolidation can be a viable option.

Loan consolidation will simplify your repayment process as you are transferring your multiple debts into a new loan. Mostly likely, you may even get lower interest rates or flexible terms on your new loan, which will allow you to reduce your monthly payments.

What are the Cons of debt consolidation loan?

While there are certain advantages of debt consolidation, it may be not the right option for everyone.

You never know whether debt consolidation will work in your favor. For a debt consolidation program to work, the majority of your loan balances should be in unsecured debts, such as personal loans, credit and charge cards and collection accounts.

Loan consolidation may not be effective if the bulk of your liabilities include other expenses like tax debt, child support arranger, or old parking tickets.

Moreover, your loan consolidation program may take years and you should be able to pay for it. You also need to have enough cash for your essential expenses and some savings as well.

The Verdict on Debt Consolidation Loan

Nevertheless, consolidating all your high-interest loans into one debt consolidation loan having great rate could definitely save you on the amount of interest that you pay on your multiple debts each month. If you are trying to get debt consolidation loan at Chase Bank, you can’t get it.

You can try at other bank debt consolidation program as Bank of America.

Moreover, it is important that you maintain your credit score by making your payments in time.

The best way is to find a reliable counselor who could provide you with a detailed assessment of your entire financial situation. A knowledgeable counselor will be able to guide you whether loan consolidation is a better way or you have other options available.

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Capital One Personal Loans https://https://atomsoft.ru/full/capital-one-personal-loans-and-lines-of-credit/?utm_source=rss&utm_medium=rss&utm_campaign=capital-one-personal-loans-and-lines-of-credit https://https://atomsoft.ru/full/capital-one-personal-loans-and-lines-of-credit/#comments Wed, 11 Mar 2020 14:06:38 +0000 https://https://atomsoft.ru/full/?p=177 How to get Personal Loans and Lines of Credit from Capital One Bank? Know its loan types, features, purpose and rates to apply easily.

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From time to time, you might need a little extra money to cover some kind of unexpected expenses. You never know when you might have some urgent medical bills or certain cash requirements.

Capital One offers varieties of personal loan solutions. You don’t need to choose alternate banks, credit unions and online lenders for personal loans. It is offered as Personal Installment loan, Line of credit and Signature loan across the country.

With these types of loans, you can deal with your Unexpected bills, Medical emergency, Debt consolidation, Home repair, Small business startup and cash needs without any hassle. You can also consolidate your several outstanding debts into one loan term and make only one monthly payment.

If you have a decent credit record, you can easily get a personal loan or a line of credit from this bank. There may be some issue with poor credit score because Capital one demands at least 600 score of credit. It is not good decision if you have less than 600 credit score because you have to pay highest interest rate.

Similarly with other type of loan, you should consider how the purchase suits with your goals and financial priorities. It is sensible to check whether you will be able to afford your monthly payments before choosing a loan or a personal line of credit.

You can further consider whether the purchase can be postponed while you carry on with your saving. A bank agent or a financial advisor will be able to help you find the best loan term that will suit your needs and your affordability.
capital one personal loans

What types of personal loan options available at Capital One?

Capital One easily provides signature loan, installment loan and line of credit which is an unsecured personal loan where you are not required to use your assets or property as collateral against the loan amount. You can use this loan amount for your personal expenses and sometimes small business needs.

Typically, personal loans are provided to borrowers who have very high credit rating or scores. It is very difficult for bad credit score person. Being an unsecured loan, the interest rates are usually higher than interest rates of a HELOC, which is a kind of personal loan secured by the home of the borrower.

The best usages of personal loans are for expenses that you intend to pay off quickly. You can easily contact at 1-800-926-1000 for different loan products.

capital one personal loan phone number

Capital One Personal Installment Loan

Capital One personal finance are offered as installment loans in which you make your loan repayment over a certain period of time with a set term of fixed payments schedule. Most of the borrowers who take personal loans try to pay back their loan in 12 to 18 months. It’s totally your choice whether you use your loan amount to pay your education, consolidate your debt, make home improvements, pay utility bills, or plan a vacation.
capital one installment loan

Capital One Personal line of credit

A Capital One line of credit works much like a credit card where you get a revolving loan amount. This means you can withdraw as much as you need subject to your credit limit and pay back to become eligible for another withdrawal. The best thing is that the interest is incurred only on the amount you have borrowed from the line of credit. The amount of money left in it is free from any kind of interest.
capital one lines of credit
Under personal line of credit, you might be able to obtain a revolving credit of $5,000 to $10,000. However, you need to have a very good credit score to become eligible for application. It is easy to use the money with a check or an ATM card. You can also transfer money to other bank accounts.

Simple process to apply personal loan at Capital One

Here is an outline of possible steps that you can take in order to obtain a personal financing solution.

  1. Ensure that you have a genuine loan requirement. It is better to avoid a personal loan as the interest rates are usually very high.
  2. Check your FICO credit score. You must have more than 600 to get a positive reply from Capital One.
  3. It is also important to arrange for the documents certifying your eligibility to pay for the loan.
  4. Find out a Capital One branch or locality or dial the customer service number 1-800-926-1000 to initiate the process of application.
  5. Talk to a bank representative and explore your loan term and payment options.
  6. Finally, fill out the application form and submit all the documents required by the bank.

Can I access my personal loan account online at Capital One?

Yes

Can I make a request to increase my credit line at Capital One Bank?

Yes. You can make a request for credit line increase online. All you need to do is choose the “Request Credit Line Increase” option from the Services tab. You can also request a credit line increase by calling Capital One’s automated system at 1-800-955-7070.

How to transfer Capital One loan amount to other account?

If Capital one offers you personal line of credit or loan, you can transfer amount via online access, an ATM card and check.

Do I need to worry about the security of my personal and business information?

It is the highest priority of Capital One to safeguard the information provided by the customers. The bank employs advanced security protocols on its website that are beyond industry standards. Security policies and standards are reviewed from time to time to avoid threats and unwanted activities.

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SunTrust Bank Installment Loans https://https://atomsoft.ru/full/suntrust-bank-personal-installment-loans/?utm_source=rss&utm_medium=rss&utm_campaign=suntrust-bank-personal-installment-loans https://https://atomsoft.ru/full/suntrust-bank-personal-installment-loans/#respond Wed, 29 Jan 2020 13:24:22 +0000 https://https://atomsoft.ru/full/?p=375 SunTrust Bank offers a range of interesting features and benefits for borrowers. Potential borrowers are eligible to get up to a 0.75% interest rate discount depending on their credit rating and relationship with the bank. The repayment options of these kinds of loan terms are specifically designed to fit with the budget of the borrowers. …

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SunTrust Bank offers a range of interesting features and benefits for borrowers. Potential borrowers are eligible to get up to a 0.75% interest rate discount depending on their credit rating and relationship with the bank.

The repayment options of these kinds of loan terms are specifically designed to fit with the budget of the borrowers. The bank further provides conditional approval of the loan application within few hours.

Moreover, SunTrust offers convenient ways to repay the loan through mail, by visiting at local branch, or from the SunTrust Bank deposition account.

Personal installment loans and line of credits offered by the bank are also a convenient way to meet urgent cash needs. One can purchase a small boat, plan a trip, or make some home improvement with these kinds of personal loans.

Installment loans are available with various programs that include unsecured loans, CD/Savings loans, motorcycle loans and personal credit line. CD/Savings loans are loans that are secured by any SunTrust CD or savings account.

It is recommended that one visit a local branch or the official website of bank to find more information on the loan options and their preconditions.

Emergency Installment Loan at SunTrust

Need some fast cash to deal with some urgent requirements when your payday is still days away?

Look out for personal loans, which are available in a variety of options and affordable rates.

Personal loans are very helpful when you need urgent cash to meet various kinds of emergency expenses. The rates are considered to be one of the most competitive rates and borrowers with good credit history can obtain the best available rates in the loan market.

Whether you require some money to arrange a reunion, plan a wedding, make some home modification, or pay off pending bills, an affordable rate personal loan from SunTrust is what you need.

SunTrust Bank brings a wide array of personal finance options for those borrowers who need some financial help to realize their dreams.

Within its personal finance section, SunTrust Bank provides mortgages, home equity loan, home retention, automobile/vehicle loans, installment loans, physician loans, educational loans, marine loans, RV-motor home loans, and affordable lending solutions.

Now, one can realize his dream of buying a new home or a brand new car or even make his dream holiday.

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Ally Bank Personal Loans https://https://atomsoft.ru/full/ally/?utm_source=rss&utm_medium=rss&utm_campaign=ally https://https://atomsoft.ru/full/ally/#respond Thu, 02 Jan 2020 16:15:49 +0000 https://https://atomsoft.ru/full/?p=3053 Ally bank doesn’t offer personal loan directly to its customer but you can get personal loan for medical treatments, big medical expenses, home repairs and improvement. Ally Bank provides personal loan as medical treatments for following body parts diseases: Audiology Cosmetic Orthopedic Dental Fertility Veterinary Ally Bank gives personal loan for following Repairs and Improvements: …

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Ally bank doesn’t offer personal loan directly to its customer but you can get personal loan for medical treatments, big medical expenses, home repairs and improvement.

Ally Bank provides personal loan as medical treatments for following body parts diseases:

  • Audiology
  • Cosmetic
  • Orthopedic
  • Dental
  • Fertility
  • Veterinary

Ally personal loan for medical treatments

Ally Bank gives personal loan for following Repairs and Improvements:

For Automotive Services

  • Repairs
  • Modification
  • Collision

For Home Renovations

  • Windows and doors
  • Flooring, roofing, and siding
  • Plumbing, electrical, and HVAC
  • Pool repair

Ally personal loan for Repairs and Renovations

Ally bank offers loans that are ideal for customers who are in an urgent need of money and are willing to payoff at the earliest.  These loans are helpful to fulfill your financial goal.

If we talk about its interest rate. Home renovation and auto repairs loans are offered from 0% to 26.99% and medical expenses loan is provided 3.99% to 26.99%.

Alternatives to Ally Personal Loans

Following lenders are giant in the field of personal loans. You can try as Ally Bank alternative.

  • SoFi
  • Avant
  • Upstart
  • Best Egg
  • LightStream
  • LendingClub
  • LendingPoint
  • OneMain Financial

Ally Bank Loan Application Process

Now-a-days a majority of the loan application is online. Ally Bank also has a convenient and a hassle free application process along with a quick approval too. The customer has to enter all personal details including name, address, telephone number, amount to be borrowed and the reason for borrowing.

The bank verifies all the information entered and funds are transferred to your account instantly. Its online service is simple; thus you need not visit the branch anymore. You can apply personal loan as well as check your application status from your smart phone or computer.

No matter where you are, you get all the information online. The online banking app takes care of all your banking requirements under one roof. It is easy to switch between accounts, check for various products and apply sitting at the comforts of your home.

If we talking about lines of credit application process, Ally bank officially doesn’t provide personal line of credit. Instead of line of credit you can easily apply credit card for emergency fund at low interest rates.

Ally Personal Loan

Ally Bank Personal Loan Credit Score Requirements

The bank welcomes people with different credit scores. No matter what your credit rating is, you may qualify for a loan provided all the details entered is true to your knowledge. However, the interest rates offered to people belonging to different credit scores would be different. For example, if you have an excellent credit rating, you may be eligible for a lesser interest rate. You will have to pay high interest rate if you have bad credit score.

On the other hand, people with bad credit may have to shell out more in the form of interest rate and other charges. The bank has its own credit score determination check that forms the basis of the final rate. There are some banks that do not entertain customers with poor credit. So, if you are among them and are finding it difficult to qualify for a loan elsewhere, Ally Bank may be your right choice.

Ally Bank Phone Number for personal finance

The bank does not give out much information on their website. It also does not state any minimum rate of interest applicable on a particular loan amount. It seems that you can find your rate only after you apply online. In case you wish to call up the customer service, you may do so on their number 877-247-2559. The customer service team is available 24×7.

The bank is open to feedback and claims that they have less than one-minute customer wait time. If there is anything you would want the loan officials to know, you can logon to their website and fill up the feedback form. You are sure to get a reply or a call from the bank executives. The customer service team is well-trained to answer all your queries.

In a Nutshell

As there is not much information available online, you will see that there are hardly any negative reviews pertaining to the products and services offered by the bank. Those with a good credit may expect competitive rates and those with poor credit will be happy to have the money they need.

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Benefits of Academy Bank Personal Loan https://https://atomsoft.ru/full/academy-bank-personal-loans/?utm_source=rss&utm_medium=rss&utm_campaign=academy-bank-personal-loans https://https://atomsoft.ru/full/academy-bank-personal-loans/#respond Wed, 01 Jan 2020 08:36:53 +0000 https://https://atomsoft.ru/full/?p=1853 Personal loans are convenient ways to meet various expenses that we face from time to time. Today, a large number of banks and credit unions offer a variety of personal loans to potential borrowers having good to excellent credit and reliable income source. If you need some urgent funds to cover your expenses, Academy Bank …

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Personal loans are convenient ways to meet various expenses that we face from time to time. Today, a large number of banks and credit unions offer a variety of personal loans to potential borrowers having good to excellent credit and reliable income source.

If you need some urgent funds to cover your expenses, Academy Bank can help you with its different personal financing options.

Academy Bank, formerly known as Sun Bank Arizona, is a family-owned business committed to supporting the individuals and businesses within its communities.

Its corporate headquarters are based in Kansas City, and it provides affordable and easily accessible credit and retail banking services through a network of ATMs and branch locations.

Whether you need some extra cash to pay medical expenses or to make a one-time purchase, Academy Bank can help you fulfill your needs.

Types of Personal Loans at Academy Bank

Academy Bank offers different types of borrowing options that bring a number of benefits at affordable rates.

Academy Bank Express Loan

To enjoy automated fast approvals and funding, you can make online application of your express loan. This personal loan will allow you to simply your monthly budget with fixed terms and fixed monthly repayments.

Some features and benefits of this loan are:

  • No prepayment penalty
  • Loan amount up to $1,250 (without any collateral requirement)
  • $35 non-refundable application fee
  • Borrowers with low credit scores can also apply
  • A good alternative to payday lending companies 

Academy Bank Premier Loan

This type of unsecured loan is a great option to meet various short-term cash needs. You can also use the loan to make home repair, purchase a car, consolidate debts, or plan a vacation.

Some features and benefits of premier loan include:

  • Loan amounts from $3,000 – $15,000 (with no collateral requirement)
  • $50 non-refundable application fee
  • Fixed rates, fixed monthly payments and fixed terms
  • For borrowers with good credit history

Academy Bank CD Term Loan

Academy Bank offers a wide range of CD Term Loan, which is a secured loan that you can obtain by placing your Certificate of Deposit as collateral.

This is a convenient loan that offers quick loan approval process and competitive rates and flexible terms. The loan amount for a CD term loan will depend on the balance in your deposit account.You are free to use the loan for a number of expenses.

Academy Bank Auto Loans

Whether it is a used or a new car, Academy Bank can finance your dream car without any trouble. The bank offers auto loans that are convenient and affordable way to purchase your car.

A wide variety of auto loan terms are available for both new and used car. The bank requires only 10% down payment from your side and if you are an existing Academy Bank Customer, you could be eligible for a .50% rate discount.

Academy Bank Boat/Motorcycle/RV Loans

A fishing trip with your family or a cross-country ride with your friends will surely be memorable. If you want to purchase a boat, motorcycle, or a recreational vehicle, Academy has the right loan options for you.

The bank offers a variety of loan terms at great rates and flexible terms. You can also enjoy fast loan application and approval process and a 0.50% rate discount if you are an existing customer of the bank.

Academy Bank Loan Department Number and Address

If you need to ask any query regarding loan approval, credit score and document requirement call at (877) 712-2265. Contact timing is Mon-Fri(8am to 7 pm CT). On Saturday timing is 9am to 5pm CT.

If customers need to send loan payment or other work, can use these mailing address:

General Mail PO Box
PO Box 26458
Kansas City, MO 64196
Routing Number: 107001481

Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196

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TCF Bank Personal Loans https://https://atomsoft.ru/full/tcf-bank-personal-loans/?utm_source=rss&utm_medium=rss&utm_campaign=tcf-bank-personal-loans https://https://atomsoft.ru/full/tcf-bank-personal-loans/#respond Fri, 27 Dec 2019 11:36:47 +0000 https://https://atomsoft.ru/full/?p=1859 TCF Bank financing options are easily accessible if you have good to excellent credit score and regular monthly income. These borrowing options are very convenient when you need extra cash to cover unexpected expenses, make home renovation, buying a boat, car, or some other type of non-real estate. There are numerous TCF bank lenders offering personal …

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TCF Bank financing options are easily accessible if you have good to excellent credit score and regular monthly income. These borrowing options are very convenient when you need extra cash to cover unexpected expenses, make home renovation, buying a boat, car, or some other type of non-real estate.

There are numerous TCF bank lenders offering personal lending and credit lines. If you have urgent cash requirements, TCF Bank is a reliable place where you can get a complete range of personal finance solution.

TCF National bank provides both secure and unsecured types of personal finance. You have to put your assets as security purpose for secured loan but need not put collateral for unsecured nature loan. However you can easily start your application process online and TCF loan office will contact you on your given phone number within one working day.

The bank offers retail and commercial banking products and services to thousands of clients. A wide range of borrowing options is also made available to qualifying customers.

What types of personal loans are available at this bank?

Discussed below are the features and benefits of loans and lines of credit offered by the bank.

Personal Installment Loans

The bank offers a range of installment loans keeping in mind the specific needs of different individuals.

It helps borrowers make their loan application quick and easy. You can use the loan amount for unexpected expenses, home repair, or for debt consolidation.

Moreover, you enjoy the following benefits when you obtain an installment loan from TCF.

  • You should not need to pay application fee
  • Flexible terms are available
  • Lower interest rates than other bank
  • You can save your time when make application

With an installment loan, you can make your repayment over time with a fixed schedule of payments that can help manage your monthly budget.

Personal Line of Credit

We need a little extra cash from time to time. TCF CommandCredit personal line of credit offers you the flexibility to access funds when you need it.

Attractive features and benefits of this credit line include:

  • Affordable interest rates
  • Not need to put collateral or equity required
  • Bank offers free checks to draw amount on your line of credit.

Home Equity Lines of Credit

Use your current home’s equity to secure this line of credit and get the extra cash you need to meet your expenses. Use the cash to pay down your debts or make a one-time purchase.

Enjoy the following benefits with your home equity line of credit:

  • Low interest rates
  • Up to $500,000 line amount
  • Interest on your credit line may be tax deductible
  • Fast access to funds with checks or TCF CommandLine Card.

Home Equity Loans

You have done a lot to own a home. Now, it’s time to convert your home’s equity into cash that you can use for your life events or for a home renovation project.

You will get a one-time lump sum amount that you can use for a major purchase. Note this is a good option for people who have less-than-perfect credit, since a home equity loan comes under the realm of a secured loan.

Some of the convenient features of this home equity loan include:

  • Minimum interest rates
  • Favorable terms
  • Interest on your loan may be tax deductible
  • Hassle free loan application and approval process.

You can Call at 1-800-TCF-LEND (1-800-823-5363) for non-real estate personal loan or visit a nearby branch for further information on how to make your loan application.

TCF Bank is the banking subsidiary of TCF Financial Corporation, a diversified bank holding company based in Wayzata, Minnesota.

The bank has more than 430 branch locations in Minnesota, Michigan, Illinois, Wisconsin, Colorado, Arizona, Indiana and South Dakota.

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Chase Bank Secured and Unsecured Personal Loans https://https://atomsoft.ru/full/chase-personal-loans/?utm_source=rss&utm_medium=rss&utm_campaign=chase-personal-loans https://https://atomsoft.ru/full/chase-personal-loans/#comments Wed, 18 Dec 2019 00:06:58 +0000 https://https://atomsoft.ru/full/?p=114 How to get Chase Bank Personal Loans? Who can qualify for the Unsecured Loans? Is there any option for people with bad credit? Is there any alternative to Chase?

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JPMorgan Chase offers a range of personal financing options that can well be categorized into the two broad classifications of loans – secured and unsecured. A secured loan is definitely going to cost you less, but you must have suitable collateral to back it up. On the other hand, the unsecured option is open for almost anyone with a good credit.

If you look at the website of JPMorgan Chase, you won’t find anything that looks like a personal loan. This simply means that Chase Bank no longer offers personal loan; however, there are a few ways you can seek financial assistance from the bank to meet your personal needs.

Alternatives way to get for Chase Personal Loan

There are 4 alternative ways for easy application of Chase bank secured and unsecured personal finance in 2021. The first two options are suitable for those with no collateral and the last two options are for those who own a home.

1. Credit Card

Get an unsecured credit card, preferably the one with 0% APR and no annual fee. A great option would be Chase Freedom, which comes with no annual fee and 0% intro APR for the first 15 months of using it.

If you need a personal loan to make a large purchase or pay for something that can easily be paid with a credit card, you will definitely find this option useful. Please note that you need to have a very good credit score to get approved for a credit card from Chase.

2. Bank Overdraft

Another option for a personal financing assistance, if you don’t have collateral, is to use the bank’s checking account overdraft feature.
According to bankrate, a bank overdraft can work like a short-term loan whereby checking account holders can use a debit card to make purchases even if they don’t have sufficient funds in their account to cover them.

Chase overdraft protection can help you pay any overdraft transactions. To use it, you need to open a checking account at the bank and enroll for overdraft protection at no extra cost.

If you have a backup account (backed by an unsecured credit card or a savings account with the bank), you will be charged a $10 overdraft protection transfer fee, otherwise you will have to pay a $34 Insufficient Funds Fee each time you make a transaction.

To know more about Chase overdraft protection, you can call 1-800-935-9935.

3. HELOC

A homeowner has quite a few more options to apply for a loan for personal needs. A home equity line of credit or HELOC can work great if you need to pay for education or home remodeling recurrently over a period of time.

A HELOC works like a credit card, but offers several significant advantages. The interest rate is much lower and you can save on taxes as well. Besides, you will enjoy no closing cost, convenience of online banking, flexible payment options and easy access of funds.

Chase can even offer an additional discount on the applicable interest rate for personal checking account holders.

Ensure that your debt-to-income ratio is less than 43% and your LTV is below 80%. You also need to have a good credit history before you proceed to apply either online or by calling 1-888-342-4273. You can also visit a Chase branch to apply for a HELOC.

4. Cash-out Refinance

According to Wikipedia, cash-out refinancing occurs when a loan is taken out on property already owned, and the loan amount is above and beyond the cost of transaction, payoff or existing liens, and related expenses.

It is a great option for homeowners who need to take a personal loan for debt consolidation, vacation, purchase, or clearing a medical bill. To apply for cash-out refinance, you can either get started online or call customer service representative.

How to Find the Best Rates at Chase Bank?

This bank’s personal finance is an unsecured type of loan where the borrowers are not required to provide any property or assets as collateral against the loan amount. A variety of personal loan terms comes with affordable interest rates, and the borrowers are advised to look for the best available loan rates before making their application.

In most cases, the personal loan rates will be determined based on a number of factors such as the loan amount, credit history and monthly income of the borrower, type of loan term, and the tenure of the loan term. An eligible borrower can borrow up to an amount of $25,000, which he can use for almost any purposes.

Fixed and variable rate options are also made available according to the choice of the potential borrowers. Generally, the interest rates for a fixed-rate mortgage (a type of secured personal loan) fall between 4% and 7%. Note that the rate can go up significantly in case of an unsecured loan.

Remember that it is not easy to get approved for a personal loan. Borrowers can look for other options as well, such as a business line of credit, a business term loan, a low-rate credit card or a home equity loan. It is always easier to qualify for a secured loan than an unsecured loan. Moreover, the former also comes with a lower interest rate and better terms of payment.

Application Process

It becomes very convenient for the borrower to make secure and unsecure personal loan application with the online availability of the bank. However, the borrower should be eligible for the amount that he is applying for. In other words, the borrower should have a fixed income from a reliable source in order to qualify for his/her desired loan amount.

One can also use a personal loan calculator in order to get a better understanding of the various loan option and their terms and conditions. To make online application borrowers can visit the official website of the bank (chase.com), where they will find all information on how to make their application.

chase personal loan

Source: https://www.chase.com/mortgage/refinance/apply-loan

Just provide some financial and banking details of yours and get the urgent cash that you need to meet your expenses. According to a source, credit score needed to apply for a personal loan at Chase must be at least 700 or more. If you do not have a very good credit score you may find it useful to try personal loans for bad credit at some other lenders that we feature on this page.

Conclusion

Chase Bank can prove to be of great financial help in times of emergency needs and unexpected expenses. Chase Bank is one of the four leading banks in the United States and they are widely popular for their huge variety of banking services and products.

If you are in urgent need of emergency cash to cope with certain unplanned expenses such as vacations, wedding, or if your bills are mounting up, then all you need is a personal finance with easy repayment term. It is totally up to the borrowers to decide how to use their loan amount.

Recently, Chase is reported to have acquired nearly $1 billion worth of personal loans from Santander Consumer USA Holdings Inc. The portfolio comprises loans originated by LendingClub to borrowers with an average FICO score of about 700. The move is said to bolster the position of Chase as one of the top lenders in the nation.

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