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Are you about to make a major purchase? Do you want to fund your purchase with a personal loan? Using a personal loan to fund large purchases, especially cars and college tuition, can be save both money and time. Both secured and unsecured loans are available to help you make your purchase, consolidate debt or improve your home. If you need money quickly, an unsecured loan can often be the fastest option. Fill out our free short form to contact lenders about receiving your unsecured loan as quickly as possible.

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An unsecured loan is one that is not using a home, car or other valuable asset as collateral. This is the opposite of a secured loan, which is generally a more popular kind of loan. A secured loan offers less risk to the lender and so lenders often establish low interest rates and low down payments to borrowers interested in secured loans. However, this type of a loan his its disadvantages; for example:

  • Appraisals of the home, land, car or other asset must be made by an appraiser approved by the lender. This can take time and slow down the loan process. · Prepayment penalties may be included in the fine print, so if you pay off the loan early you may have to pay a hefty fee.
  • If you do not make your payments as scheduled, you could lose your home, car or other assets.

Every loan has its benefits and drawbacks. Depending on your needs the disadvantages of the secured loan my outweigh its advantages, in which case you may want to look into an unsecured loans. There are many reasons to look into an unsecured loan:

  • An unsecured loan can be obtained even if you do not own a home, car or other valuable asset. If you rent or live with your parents this may be the only type of loan available to you.
  • Your home, care, land, etc is not directly connected to the loan and cannot be seized by lenders if you fail to pay unless they take legal action against you. Open lines of communication between the borrower and the lender can keep this from occurring even in cases of failed payment.
  • An unsecured loan can be obtained quickly, and can be used for emergency or immediate needs, where as a secured loan may not be closed quickly enough for you to use in certain situations.

Unsecured loans can also be used to help you consolidate debt. Debt consolidation will help you repair bad credit and roll all of you bills into one monthly payment. A loan often has lower interest rates than credit cards and can allow you to pay off your debt with less stress and lower monthly payments. If you are in collections or fear you will be soon, debt consolidation can help you avoid further damaging your credit.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Unsecured loans are less common than conventional loans but they are quicker to obtain and they do not require the support of collateral. This makes them a lower risk to the borrower but a higher risk to the lender and subsequently interest rates are usually higher… Refinancing mortgage rates are at lows that we have not seen in decades. If you feel that you have missed the refinancing craze or that you would like refinance again a good place to start is with as many as four free quotes from Expo Financial… Payment calculators are offered free on this site to help you window shop for your loan before getting a no obligation mortgage quote. Try our payment calculator for refinancing, debt consolidation or new mortgages…
Our mortgage calculator allows you to estimate your monthly payments on a new loan with only a few simple inputs. You can save these results and shop around for a loan that suits your needs… Getting the lowest mortgage rate you can means striking before rates eventually begin to rise again. 15 years ago a good credit borrower would have been lucky to get rates that are double what today’s going rates are…

Interest rates are complicated and often times not understood by consumers. Our interest rates information pages will help you gain a firm understanding of rates before applying for your loan…

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