Unsecured Personal Loan Financing Made Easy
If you are searching for a personal loan, with no collateral required, then an unsecured loan through the Life House Network is just what you need. Unsecured personal loans, also known as signature loans, are approved based on an individual's credit history and ability to pay back the money borrowed. Different than a secured personal loan, that requires a borrower to put up collateral for approval, unsecured loans rely solely on the borrower's promise to pay back the loan. Because no collateral is required, the application process is quick, and money is normally available for use in as little as 24 hours of approval.
As a leader in easy and hassle-free financing for good and bad credit individuals, Life House Financial always recommends unsecured financing as a first choice when looking for money. Even though credit is a factor when it comes to obtaining an approval from an unsecured signature loan lender, there are financing options for individuals with poor credit. Unsecured loans come in all sizes, ranging from a few hundred dollars to tens of thousands of dollars. Standard terms on unsecured financing vary greatly and are offered between twelve and sixty months.
If you are interested in obtaining a personal loan with no collateral required, Life House Financial can help you identify your best unsecured loan options in minutes. We have one of the most extensive networks of banks, credit unions and other loan providers that offer financing to people in all credit situations. More importantly, our process is simple, easy to understand, and absolutely free. So don't hesitate. Come see why so many borrowers have entrusted us over the years with their financing needs by getting started today!
Good & Bad Credit Personal Loans, No Collateral Required
Whether you are interested in debt consolidation, a home improvement loan, or just need money to pay off regular bills, if you have less than perfect credit, obtaining an unsecured loan can be tricky. Unsecured personal loans are approved based on credit and your ability to pay back the loan. This means your current credit situation and DTI (debt to income ratio) will play a major role in the amount of money you receive and at what interest rate.
The better your credit score, the better your interest rate.
The more income you can show in relation to your current debt obligations, the higher the loan amount.
Bad Credit & No Credit Check Unsecured Loans
Because unsecured loans are based solely on your financial and credit situation, decisions are usually quick and financing can be available for use within a few days. Even though unsecured financing is based on credit, there are available unsecured personal loans for people with poor credit. Due to the fact that bad credit personal loans are a higher-risk for lenders, they will have a lower approval amount and higher rate of interest than personal loans for excellent credit individuals.
In addition to loan programs for people with bad credit, there are also no credit check personal loans available. These financing products are for individuals who only need a few hundred dollars for a short period of time, and only require a borrower to have a steady job to qualify. Because a no credit check personal loan will feature a significantly higher interest rate, you should read all terms carefully so you fully understand the fees and costs associated with the loan before moving forward.
Rates & Terms
The personal loan providers in our network offer unsecured loans from $1,000 to $100,000 with repayment terms ranging from 12 to 84 months, and feature rates between 1.9% APR* up to 35.96% APR*
As an example: A $16,000 36-month loan featuring an interest rate of 10.74% APR, would have a monthly payment of $521.85, and a total loan cost of $18,786.60 Provided below are some additional examples of the repayment terms for a variety of hypothetical loans. The term, rate, and loan amount you qualify for will depend on your credit history, personal financial situation, State of residency, and ability to payback the loan.
Personal Unsecured Loan Lenders Online
If you are interested in obtaining the lowest rate possible on an unsecured personal loan, it is important you connect with the lender that is best for your situation. It is also important you realize that some lenders do not offer unsecured financing programs, and the lenders that do, will have their own unique set of requirements needed for approval.
Some lenders only offer unsecured financing to individuals with excellent credit, while others specialize in small unsecured personal loans for people with bad credit. Because applying to the wrong lender can hurt your chances of being approved, it's important you know your current credit situation before you apply.
If you don't know your scores from the 3 major credit-reporting agencies TransUnion, Equifax and Experian, you can access them by clicking here
Once you know your credit scores, you should then only apply to those lenders that approve individuals with your credit range. If you are unsure which lenders required what types of credit, we've got you covered. You can find your best options right online using our lender search widget, or by contacting us using the big orange get started button below.
Having a Signature Loans Expert on Your Side
As a client of Life House Financial, you will have an entire team of trained professionals working on your side. Our personal loan experts are standing by eager to answer all questions you may have at no cost or obligation to you. Our service is free, and the information we provide will allow you to compare your best options side by side. This comparison will provide you the peace of mind you need to feel confident you've received the best rate and terms possible. When you are ready, submit your information using the big orange button below, and our team of personal unsecured loan experts will get to work matching you with the best unsecured personal loan lenders currently available.
Our expertly trained loan and credit representatives are standing by, Monday through Saturday, ready to discuss all loan options you have to consider at no cost or obligation whatsoever. Give us a call today at 1-888-952-7280, or submit your information online through our safe and secure online form now!