Friday, October 28, 2016

Frequently Asked Questions About Installment Loans

Frequently Asked Questions About Installment Loans


How is an installment loan different from a regular personal loan?


The primary difference is in the flexibility of the repayment schedule. Instead of repaying the entire loan on your next payday, as is most common with short-term payday loans, an installment loan provides the opportunity to borrow more money than you could repay from a single paycheck, and repay it in installments over a longer period of time.

What can I use installment loans for?


The funds you borrow can be used for absolutely anything. Maybe you haven’t had a vacation in five years and just can’t seem to save up the cash without some small or large emergency snatching it away. Maybe your hours have been temporarily cut back and work and it’s gotten difficult to make ends meet. Perhaps you’re facing a costly repair. Whatever the reason, the application doesn’t ask the purpose and nobody will ask – it’s your money and the use is up to you.

Will I qualify? What kind of requirements are there?


Most consumers will qualify for an installment loan! As long as you are a US citizen, at least 18 years old, and have not defaulted on any similar consumer loans, you will almost definitely qualify.

What if I have bad credit?


That’s ok! The lenders who work with First Liberty’s installment loans typically do not use the standard “Big Three” credit bureau’s credit reports. They are aware that many, many people have negative information reflected on those reports due to circumstances that were based on national economic situations and completely out of their control. Even if they went through personal financial difficulties, the credit scores reflect seven to ten years of history, while a person’s personal circumstances can change much more quickly than that.

How much can I borrow?


FirstLibertyLoans.com offers installment loans ranging from $1,500 to $25,000 and the amount you can be approved for will depend on your income.

How long does it take to apply?


The installment loans application is extraordinarily brief, so you can complete it in just a few minutes. Approval is nearly instantaneous, so you’ll know right away whether you’ve been approved for the amount requested.

How long does it take to get the cash?


Approvals are completed in two minutes or less, but since funds are deposited directly into the borrower’s bank account, the process can only be finalized during regular business hours. The deposit will then have to go through the financial institution’s clearing process, which often takes overnight. Generally you’ll have access to your funds on the following business day after they’ve been deposited.

Friday, October 21, 2016

Here’s What Your Holidays Will Look Like with a Payday Loan Line of Credit

Here’s What Your Holidays Will Look Like with a Payday Loan Line of Credit


The holidays can be a real battle, or they can be fun and enjoyable. This can be a season of worrying about money and disappointing expectations, or it can be a time when you stop thinking about money and just enjoy family and friends. What makes the difference? Having enough cash, of course. Here is how your holidays could be different this year if you just apply for a payday loan line of credit.

You Won’t Have to Say No all the Time with a Payday Loan Line of Credit


A payday loan line of credit is a source of cash that you can draw from as you need it, without having to wait for a loan to go through. So with this ready source of money, you can do more of the things you and your family wants to do this year. You won’t have to say no when your friend invites you to a fun party because now you can get a hostess gift and a new outfit. You won’t have to say no to that toy your kid has been desperate for, because now you have the cash.

You’ll Stop Stressing and Start Enjoying the Holidays with a Payday Loan Line of Credit


If you are like most people, the biggest source of stress over the holidays is money. You never seem to have enough; you spend too much; you worry about paying credit card bills in January. You can lift most of this stress by getting affordable cash through a payday loan line of credit and you won’t even have to add to your credit card debt, which doesn’t ever seem to go away. With the stress lifted you can enjoy spending time with friends, going to holiday parties, and watching your kids enjoy the season.

How to Get a Holiday Payday Loan Line of Credit


Do this today. Don’t wait for the stress of the holidays to begin or for those times you have to say no. Apply today and you can have this source of cash ready to go the first time you need it. All you need to do to get a payday loan line of credit is submit a short application with information about your job, your income, and a couple of other things. You can apply online or with our convenient mobile app. After you apply you should be approved in minutes and have access to your cash in about a day.

Friday, October 14, 2016

4 Ways to Use an Online Personal Loan for the Holidays

4 Ways to Use an Online Personal Loan for the Holidays


Just in time for the holidays we have online personal loans to offer our customers. Now you can get the cash you need for Halloween, Thanksgiving, Christmas, Hanukah, and New Year’s Eve. We can provide you with a quick, convenient, and affordable source of cash, and don’t worry about your credit score; it doesn’t matter. Here are four ways you could use that online personal loan to help you get inspired:

1. Buy gifts with an online personal loan


If you are always scrounging for cash at this time of year to buy gifts for the people you love, you are far from alone. Most working people have a hard time coming up with money for gifts, and yet we all want to treat those we care about. You don’t have to buy anything over the top or too expensive, but to get your kids and other family members the gifts that tell them you love them, rely on the money you can get through these online personal loans.

2. Use your online personal loan to take some time off


The holiday season is a hectic time for everyone, but especially if you are working hard to make ends meet. Instead of running through the rat race and failing to enjoy the holidays, again, try something new. With the cash from an online personal loan, you could actually take a few days off and just enjoy the season. Enjoy time spent with family instead of skipping the party because of work. Have some time to relax instead of putting in extra shifts.

3. Splurge on the big family meal using money from your online personal loan


Time spent with family is one of the best things about the holidays. For many people, Christmas or Thanksgiving is the one time each year that the whole family gets together for a big meal. This year instead of worrying about what it will cost, enjoy the day and the meal, and spend your online personal loan cash on a dinner everyone will enjoy and no one will forget.

4. Travel to visit family thanks to the cash from an online personal loan


And what if your family lives out of town, or you moved away from home? How can you all be together if you don’t have the money to travel? Use an online personal loan. You can even use the travel cash to surprise your family. Make everyone’s holiday special by being there. Nothing is more important than time with family, so what better way is there to spend the extra cash you get this holiday season? Apply today and start making your plans.

Friday, October 7, 2016

5 Ways a Cash in 1 Hour Loan Beats Traditional Personal Loans:

5 Ways a Cash in 1 Hour Loan Beats Traditional Personal Loans:


1. Fast approval!


One thing traditional personal loans do not do well is get you cash fast. First you need to fill out a lengthy application form, then deliver it to the bank or finance office and wait for one of their loan expert to process it. This process can take days or even longer, as they need to check each of the items on the application, verify certain information, run a credit check and evaluate that… you might be called in for an interview or asked to provide written statements explaining any late or missing payments from any part of your credit history. This all takes time, which is often the opposite of what you want when the time comes to borrow cash.

2. Simple, straightforward application process


Often traditional personal loan applications request a lot of information that our lenders find unnecessary for short-term loans. They might ask for many years of credit history, monthly expenses, credit totals and references, and various other items. Cash in 1 hour loans request a minimum of information – your personal IDs, employment information, bank account, and questions to verify that you meet the basic requirements for the loan program such as age and income. The form is so simple that you can complete it in less time than it takes to watch a sitcom or make dinner.

3. Bad credit is no problem


Unlike traditional loans, which check your credit first and consider other qualifications only if you meet their requirements regarding credit score and absence of negative marks or accounts in collections. Cash in 1 hour lenders generally don’t even run a traditional credit check – they understand that it’s common for many of us to have financial difficulties or problems at some point in our lives, and agree that such an experience should not hang a sword over your head for endless years afterward while you work to rebuild your financial reputation.

4. Incredible convenience!


Not only can you apply from home, at any time of the day or night, but all you need is your smartphone or tablet! Gone are the days when you had to mail a paper application with copies of various financial statements and prior year tax returns, just to be considered for loan approval. The developers behind the loan website realize that more and more of us are relying on our phones as a primary computing device, and they’ve optimized the application design for mobile usage. It’s just as clear and easy to read and navigate on your phone as on a full sized monitor, and that makes a cash in 1 hour loan more convenient than any that requires a paper application or one that requires a laptop or desktop to apply.

5. No collateral, no paperwork


When you hit “submit” on your application, you’ve done all that you’re required to do. There’s no need to provide financial statements or the deed to your house or car. No faxing, printing, mailing, scanning – just one simple online form and you’re done. What are you waiting for? Apply right now!