Guaranteed Unsecured Personal Loans

Unsecured Personal Loans Presents:

Guaranteed Unsecured Personal Loans
By Robin Cassidy

Guaranteed unsecured personal loans are a reality. Anybody, even those with bad credit or past discharged bankruptcy, can get one. These loans have been designed for those with less than perfect credit who have no collateral, need instant approval, need money fast, and don't want further credit checks.

These types of loan are often referred to as payday loans. They're simple to apply for, simple to understand, simple to operate and simple to be approved.

Because they're unsecured and are often approved for those with very bad credit, the amounts are modest, usually a maximum of around $1,500. However, if you have good credit the amount some lenders are prepared to lend can be as much as $25,000.

So, how and where to get guaranteed unsecured personal loans?

You can apply for one from your bank or other lending institution, however, the best place to find one is the internet. Thanks to competition and deregulation there are many, many lenders online who will offer competitive rates and deals.

Applying online is easy and straightforward. The questions are simple and can be answered in a matter of a couple of minutes. And furthermore, approval is instant. You can expect to receive the cash you urgently need within 24 hours.

But, you are probably still thinking if you qualify for this type of loan, especially if you have bad credit.

By meeting these simple conditions anyone can get a guaranteed unsecured personal loan - even for people with bad credit.

Are you over eighteen, have a non delinquent checking account, have a consistent income of over $1,000 for the last 3 months and are not currently undergoing bankruptcy proceedings, then you will certainly be approved.

And if this isn't good news, you will not be subjected to a credit check. This is especially important if you already have bad credit as any further checks will hurt your rating further. Also, you may be relieved to hear that no co-signer is required. Should you not be able to make the repayment, nobody else will have to repay the loan back for you.

These loans also require no security deposit or down payment: stay clear of any lender who asks for either of these. Furthermore, if you have any doubts about the lender, get them checked out. Read reviews from third party organizations or even go and request information about the lender from your state Attorney General.

If you need money urgently but have bad credit, don't think you are ineligible for guaranteed unsecured personal loans: you are! Check out these links and apply for a simple, no-fuss, no-credit-check guaranteed personal loan, and get the cash in your account by tomorrow.

Article Source: http://EzineArticles.com/?expert=Robin_Cassidy




Unsecured Personal Loans

For more information about personal loans please visit High Risk Personal Loans

How Unsecured Personal Loans For The Unemployed Can Support You With Instant Cash

Unsecured Personal Loans Presents:

How Unsecured Personal Loans For The Unemployed Can Support You With Instant Cash

The saddest thing that can happen to somebody is being out of job and that too when you are just laid off because of this nerve wracking recession. It gets even more difficult when you were not sure of your sudden unemployment and there is not enough cash to back you up. Expenses would not stop and it is understandably quite depressing. And this is where this unsecured personal loans especially designed for unemployed will keep you floating with instant cash. As these loans are unsecured things will be mush easier for you and your pride assets will remain only yours forever.

Nowadays, unemployment is on the rise and almost everybody is waiting for the right opportunity. In this scenario, many times the personal loans are either refused or the process is too cumbersome and will definitely be secured where in you have to offer any of your assets as security. But unsecured personal loans for unemployed are tailor made for such borrowers keeping in mind that they are unemployed, do not have a job or out of job for some time. By availing these loans you can pay off your debts, or take care of any unavoidable expenses like medical bills, children's education, wedding, buying a car or a house, nuptials, vacation or anything that you want to do.

Getting unsecured personal loans for unemployed is a piece of cake as there is low interest rate, no credit history scanned, no CCJ's taken into consideration and not even bankruptcy. Once the loan is approved you can decide on your repayment schedule and tenure according to your convenience.

About The Author:
Matthew Jason has been writing articles for many financial magazines. He provides free advise regarding various loan products available in the UK. He writes informational articles for Loans For Unemployed UK that is offering unsecured loans for unemployed tenants and homeowners all over the UK. Please visit http://www.loansforunemployeduk.co.uk for more information related to loans for unemployed in the UK.

Article Source: http://EzineArticles.com/?expert=Matthew_Jason




Unsecured Personal Loans

For more information about personal loans please visit High Risk Personal Loans

Tips For Borrowing Money - Unsecured Personal Loans Online

Unsecured Personal Loans Presents:

Tips For Borrowing Money - Unsecured Personal Loans Online
By Jamey Wheeler

There seems to be no end in sight to this economic downturn we are in which is leading people to look for creative ways of borrowing money. In this day and age of instant gratification and 140 character communications, it should come as no surprise that more and more people are looking online for short term loans.

The following are a just a few tips to keep in mind when deciding to take out an unsecured personal loan online.

1. Shop around
As you would for any big purchase, it only makes sense to shop around for a loan. High street banks have to compete with online lenders, who likely have lower overheads, so the traditional visit to your local bank for a loan may be a thing of the past. There are numerous websites, such as uSwitch and Which?, that will do the initial comparing for you in order to narrow down the field for larger, unsecured loans.

2. TAR vs. APR
When it comes to loans, everywhere you go you see or hear about APR or Annual Percentage Rate. Because lenders legally have to display their APR, they try to find clever ways to make the APR on display as low as possible. When it comes down to it, you really should be concerned with TAR - Total Amount Repayable. When comparing loans and deciding if you can afford to borrow money, the wisest thing to do is to look at what your monthly payment will be and to figure out the total amount you will have repaid at the end of your loan. TAR is more important than APR, hands down.

3. Early repayment
If your monthly payments are manageable from the outset, you may be able to afford overpayments on your loan in order to pay it off early. You'll want to check the fine print to make sure that there is no penalty fee for early repayment. The bank will make less money off of you, which is why they created this fee, but you'll be saving yourself a bundle in interest if you can repay early.

4. Only borrow what you need
The best laid plans of mice and men...You had the best intentions when you first thought about taking out a loan. You dreamt of paying off all those credit cards with high interest rates and only having one, low interest bill to pay each month and a debt-free future was turning from fantasy to reality, but you got tempted and borrowed more money than you needed, thus increasing your debt. Know how much money you need, borrow that money and do not allow a lender to talk you into borrowing any more money than you need. You're only helping them make more money off you, instead of helping yourself get out of debt.

5. Think twice about Payment Protection Insurance
Payment Protection Insurance or PPI is an insurance plan for your loan in case you can't work due to illness or accident or if you are made redundant or worse case, if you die. PPI is another way for a lender to make more money off of you and it will greatly increase the cost of your loan. On the other hand, it may give you peace of mind, but then again, insurance companies are clever and they love to find ways to avoid paying out policies. If you feel strongly about needing PPI, then shop around and do a bit of research. It's highly unlikely that your lender will have the best rate on PPI.

This is just the tip of the iceberg when it comes to looking for a loan online. Follow up on these tips and you'll likely open Pandora's box and become very knowledgeable about unsecured loans online. Take control of your finances and your future and be sure to always borrow responsibly.

Wonga offers short term loans online, 24/7. Learn more here: http://www.wonga.com/about

http://www.wonga.com

Article Source: http://EzineArticles.com/?expert=Jamey_Wheeler

Unsecured Personal Loans

For more information about personal loans please visit High Risk Personal Loans

The Pros and Cons of an Unsecured Personal Loan

Unsecured Personal Loans Presents:

The Pros and Cons of an Unsecured Personal Loan
By Jon Arnold

You have heard that an unsecured personal loan is the best way to go for the personal loan you are seeking, but do you that there are both advantages and disadvantages to that? After all, at the end of the day, we all want to save money on any kind of loan we get, so it is to your benefit to understand both sides of this coin so that you can make the most cost effective decision possible for your unique situation.

First of all, let's look at personal loans in general. A personal loan is exactly as the name implies, and the funds can be used for any purpose that you want. It could be used for a new car, a vacation, a big screen plasma TV, debt consolidation, or whatever you want. There are usually no strings attached to it in terms of what the money can be used for.

But now we need to get specific as far as what kind of personal loan we get. There are basically three types of these and they have varying conditions, pros and cons.

The first type is the payday loan, sometimes called a cash advance loan. This is by far the easiest one to get since all you need is identification and a paycheck stub or two to prove that you are employed. This type of loan can usually be approved in a matter of hours because no credit check is required.

But on the downside, this type of loan usually has very high interest rates, and is due on your next payday, which is usually only 2 weeks away or a month away. It is very difficult to extend them beyond that, and if you do, the interest rate is sky high. But if you need money in a flash hurry, this is the way to go.

Next is the secured personal loan, which as the name implies, is a loan that is secured through some kind of asset. It might be a down payment on the loan although that is going away for the most part. More likely, the security or collateral is some kind of asset that you own, such as a car, household furnishings, perhaps even your home. In other words, if you default on the loan, the security or collateral that you put up could be taken by the lender. Although the lender does not want your stuff, he can take it if you default, and since his risk is lower as a result, the interest rate on this type of loan is notably lower.

Last is the unsecured loan, sometimes also referred to as a signature loan. Since you are not putting up any security or collateral on the loan, the lender's risk is higher which translates into a higher interest rate. Remember, the interest rate is a reflection of how much risk the lender feels he is taking by approving your loan request.

Both the secured personal loan and the unsecured personal loan can take from anywhere from a couple of days to a week or more to get either approved or rejected. If you need the money right away, the payday loan discussed above may be a better choice, but if you can wait through this approval process, you will undoubtedly get better terms, better interest rates, and most importantly, more time to pay the loan back than needing to pay it back entirely on your next payday.

For more insights and additional information about an Unsecured Personal Loan as well as getting a very aggressive online loan quote, please visit our web site at http://www.personalloantips.com

Article Source: http://EzineArticles.com/?expert=Jon_Arnold




Unsecured Personal Loans

For more information about personal loans please visit High Risk Personal Loans

Apply For an Unsecured Personal Loan Online

Unsecured Personal Loans Presents:

Apply For an Unsecured Personal Loan Online

Recent years have brought an influx to the payday loan industry and the state of our economy is contributing to this ever-increasing trend. If you're one of the many consumers who used unsecured personal loans online to help with seasonal spending, you are not alone Of course there are many who didn't need holiday money in December, but perhaps they are feeling the pinch now and are looking to short term loans online to ease the New Year pains.

No matter the need for your short term loan, it is important to use them responsibly. Borrowing money to cover an expense such as Christmas shopping may lead to the payday loan snowball effect. The snowball effect happens when a borrower repays a short term loan and immediately takes a new loan to replenish the funds "lost" on repayment. This can be a costly and depressing vicious cycle. The snowball effect is not inevitable. Due to the cost of short term loans online, they aren't designed for regular monthly use. There's a bit of a compromise that you accept with short term loans; you get instant money and for that you pay a premium. This is an acceptable compromise as long as you budget for repayment.

Many customer service workers in the short term loan market will tell you of interactions with customers who were furious because repayment for their loan had been automatically deducted from their current account. They were upset because the loan company took THEIR money and now they could not cover other expenses. This is the perfect example of someone overwhelmed by the snowball effect because they can no longer separate their actual income from the money borrowed online. Before taking an unsecured personal loan online it's crucial to calculate beforehand if you can afford the repayment. You wouldn't take out a mortgage without ensuring you could afford the monthly payments, so why would you take out a short term loan and not do the same calculations?

This is where creating and maintaining a budget becomes important. Of course, some may think that if they are monitoring their budget then they should never have a need for a short term loan online. Well, never count your chickens before they hatch and never look at gift horse in the mouth or insert any other pithy proverb here. Until you are well-flush with wonga, never say never. If you feel there is a negative connotation associated with short term loans online, put that out of your mind. These loans are for unexpected expenses when you have no other quick available option. They're fast and convenient and easy to manage, but they have to be used responsibly.

Wonga offers flexible loans online for five to 30 days and from between £50 to £750. Wonga believes in responsible lending and encourages responsible borrowing. To assist consumers with responsible borrowing, Wonga offers a free budget calculator on their website.

About The Author:

Jamey enjoys exercise and fitness, writing, travel and snowboarding. She writes for Wonga who offers short term loans online, 24/7.

Article Source: http://EzineArticles.com/?expert=Jamey_Wheeler




Unsecured Personal Loans

For more information about personal loans please visit High Risk Personal Loans

Don't Brood over your Financial Problems: Take an Unsecured Personal Loan

Unsecured Personal Loans Presents:

Don't Brood over your Financial Problems: Take an Unsecured Personal Loan

Life is full of colours. Some colours are bright and beautiful whereas some are dark and dull. There are stories we hear about people who have gone from rags to riches or from riches to rags. We are no different from those people and most of us face financial problems at some or the other point of time in our lives. And the easiest solution we find to solve the financial problems is to take a loan. Many people who have a house or some other property can easily avail secured loans but what will you do in case you have nothing to keep as collateral to the lender? You don’t need to worry, as there are UNSECURED PERSONAL LOANS available in the market to cater to your financial needs.

An unsecured personal loan is a loan that a lender provides you without keeping any collateral with him. This type of loan is provided only on the basis of your repayment capacity, which in turn is related to your earnings. Since, the lender takes high risk in providing you such a loan; he charges a bit more interest from you in that case. It is also seen in most of the cases that an unsecured personal loan comes with bigger monthly installments and shorter repayment period.

But there are a few advantages attached with unsecured personal loans. First and foremost, you save yourself from the hassles of running after loan brokers, valuation of your property and annoying paperwork attached with it. Secondly, you don’t need to mention the reason behind taking the loan. The most important thing is that you have no fear of repossession of your property, as you have not pledged any property to the lender.

UNSECURED PERSONAL LOANS can be used for a number of purposes. You can avail such loans for renovation of your house, to fund your dream holiday trip, to buy a new car, to finance your marriage, to consolidate your debts into a single loan etc.

With the advancement in information technology, procuring a loan has become very easy. There are a number of finance companies that provide you with unsecured personal loans on the Internet. You just need to fill up an online loan application form and in no time at all, you will be able to get a loan.

About The Author: Pranav Das is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Uk-Direct-Loans as a finance specialist.

For more information please visit at: http://www.uk-direct-loans.co.uk

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Unsecured Personal Loans

For more information about personal loans please visit High Risk Personal Loans

Cheap Unsecured Personal Loan - A Low Cost Financial Assistance

Unsecured Personal Loans Presents:

Cheap Unsecured Personal Loan - A Low Cost Financial Assistance

There are many personal expenses which can not be fulfilled out of the regular salary of a person. For paying off these expenses, he may need a financial help. Sometimes, he can ask for some funds on credit from any of his friends. Otherwise, he can apply for any private advance. But, he will have to pay a higher rate of interest for these dire demands. However, he can get some money on credit at lower rates also but for that he will be required to pledge any asset with the money lender. This hinders the routine life of that person.

But, the lenders of UK are offering them a low cost financial assistance with the cheap unsecured personal loans. These are the loans which can be acquired very easily without even pledging any asset. An enough amount of loan can be raised by the help of these loans. this amount can be utilized for meeting any of the uncertain demands. These demands can be related to the personal expenses of the borrower like education expenses, telephone and electricity bills, entertainment expenses or any other requirements which can not be easily met out of his regular income. Thus, these Unsecured Loans act as a financial assistance for the borrowers who are not willing to offer any security for raising funds.

These loans are not only a financial help for the borrowers but also a low cost assistance for them. The interest rate on such loans is lower as compared to other loans. In addition to this, these loans are free from many implicit costs which are involved in the loans with security. These costs may relate to the maintenance expenditures of the documents involved in the security for the loans. Thus, these loans are an economical way to fulfill the financial requirements of a person.

About The Author
Shain Johnson is a regular contributor to finance related websites, which provides information and advice on any type of loan like Bad credit unsecured loans, Unsecured personal loans, Cheap unsecured loans For more information log on http://www.cheapunsecuredloans.net

Article Source: http://EzineArticles.com/?expert=Shain_Johnson




Unsecured Personal Loans

For more information about personal loans please visit High Risk Personal Loans