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Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, apply for student loans.#Apply #for #student #loans


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Having trouble repaying student loans?

Consider these simple solutions that may help.

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    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

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    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

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    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.


  • Apply Online, Loan Quest SA, apply for a loan.#Apply #for #a #loan


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    Apply for a loan

    The following information refers to the Loan Referral Service of Loan Quest SA, which is a complimentary added benefit to your Convenient Service Package that you have purchased.

    Loan Periods as offered by Registered Credit Providers

    Minimum period offered by registered credit provider(s): 3 (Three) Months

    Maximum Period offered by registered credit provider(s): 60 (Sixty) Months

    Maximum Annual Percentage Rate (APR): 27% (Repo Rate + 21%)

    Loan Types: Secured Loans, Unsecured Loans, Bonds (Mortgage), Personal Finance, Vehicle Finance, Bridging Finance, Debt Consolidation etc.

    Our referral consultant(s) and their respective financial Services and Credit providers whom vet our clients to provide a possible loan, subject to the clients’ affordability and credit criteria as prescribed and governed by the NCA (National Credit Act, 2005, DO NOT provide pay day loan services.

    Nett loan amount, R 50,000.00, term 36 months, APR (Annual Percentage Rate) 10.71%, fixed nominal rate at 8.84% p.a., one-time Service fee approximately 2.00% of net loan amount.

    Nett Loan Amount: R50 000.00

    APR (10.71%): R8 680.00

    Service Fee: R1000.00

    Loan Period 36 months

    Monthly Instalment: R 1,630.00

    Total Amount Payable: R59 680.00

    This could apply provided the following: A sufficient credit score and positive affordability criteria at the sole discretion of the credit provider. Please note, this representative example could vary dependent on the service provider granting the credit transaction/agreement.

    Implications of late payment of a Loan

    i.e. not making payment of an installment on time? You will unfortunately be held responsible for interest charges on any late payments. If you approach the Loan Quest SA affiliated financial service(s)/credit provider(s) who has granted you a loan and discuss your inability to make payment of your monthly installments on time, the Loan Quest SA affiliated financial service(s)/credit provider(s) shall consider your position and if possible, assist to find a suitable solution which may include rescheduling of the loan. If you still do not keep to the arrangement, the matter will be handed over to attorneys, who shall implement the standard legal collection process, to collect all outstanding amounts, which shall include interest and legal costs. This may impact negatively on your ability to obtain credit in future.

    Implications of non-payment of a Loan

    i.e. not making a payment on your loan installment at all? There are always reasons for non-payment but after a certain point in time, the Loan Quest SA affiliated financial service(s)/credit provider(s) who has granted you a loan will report the loan in arrears. It will then become part of your credit history and will affect how your credit score will be calculated. You will unfortunately be held responsible for interest on any non-payment of your monthly installments. If you approach the Loan Quest SA affiliated financial service(s)/credit provider(s) and discuss your inability to make payment of your monthly installments, your position will be considered and if possible, the Loan Quest SA affiliated financial service(s)/credit provider(s) who has granted you a loan, will assist to find a suitable solution which may include rescheduling of the loan. If you still do not keep to the arrangement, the matter will be handed over to attorneys, who shall implement the standard legal collection process, to collect all outstanding amounts, which shall include interest and legal costs. This may impact negatively on your ability to obtain credit in future.

    Code of Practice / Policy of responsible lending

    In accordance with the obligations of the Loan Quest SA affiliated financial service(s)/credit provider(s), in terms of Section 81 of the National Credit Act, Act 34 of 2005, the financial service(s)/credit provider(s) is prohibited from entering into credit agreements with a consumer, unless the financial service(s)/credit provider(s) has considered the consumer’s existing financial means, prospects and obligations. The purpose of this clause is to protect you, the individual and to prevent over indebtedness that will place you in a position where you are unable to honour your obligations with a financial service(s)/credit provider(s).

    Disclosure of fees including the APR (annual percentage rate)

    EXPLAINED: APR (Annual Percentage Rate: The term annual percentage rate of charge (APR), corresponding sometimes to a nominal APR and sometimes to an effective APR (or EAPR), describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage bond, credit card, etc. It is a finance charge expressed as an annual rate. In general:

    • The nominal APR is the simple-interest rate (for a year).

    • The effective APR is the fee + compound interest rate (calculated across a year)

    According to the National Credit Act, 2005, this is the maximum fee structure of any short term loan of less than 6 months and between R500 and R8000 for a registered financial service(s)/credit provider(s): Short Term Loans (i.e. Loans of up to 6 months of no more than R8 000): 5% per month maximum interest rate. Maximum Initiation fees: R150 + 10% of any amount greater than R1 000 (Maximum fee R1 000)

    Service Fees of a Credit Provider

    A service fee, is a fee that a financial service(s)/credit provider(s) charges a consumer for servicing a credit agreement between them. The fee is for administering or maintaining the credit agreement. The financial service(s)/credit provider(s) can charge this fee on a monthly or annual basis. It can also be charged per transaction. The Act regulates service fees in a number of ways including by specifying the maximum fees that financial service(s)/credit provider(s) are allowed to charge and how often the fees can be recovered. The current maximum service fee that a financial service(s)/credit provider(s) can charge a consumer is R50-00 a month. If the consumer pays an annual service fee, the maximum that the consumer can be charged is R600-00 per year. If the credit agreement is settled sooner than originally agreed by the consumer and within the year to which the annual service fee relates, the financial service(s)/credit provider(s) must refund the unused portion of the service fee to the consumer. All our registered financial service(s)/credit provider(s) with whom we have pre-arranged agreements are registered with all regulatory bodies in South Africa pertaining to financial services.

    Renewal Policy for the Credit Provider

    Loans can be renewed but will be to the sole discretion of the financial service(s)/credit provider(s), who has granted the initial loan and will be measured against the affordability and credit criteria of the applicant/client at the end term of the loan.

    Renewal Policy for Loan Quest SA

    “Renewal” means renewal of the convenient service package offering, offered by Loan Quest SA as per the terms of service, legal disclaimer, privacy policy, terms of use and loan information (collectively known as the “policies”). (please click here to read the Loan Quest SA terms of service), these terms and policies are binding and governed between Loan Quest SA and the applicant/client.


    Feeding Your Dirty Doubting Minds, Learn How to Apply for SSS Salary Loan Online, apply for loan online.#Apply #for #loan #online


    Learn How to Apply for SSS Salary Loan Online

    Published by Nico Robin Salazar • July 1, 2012

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    L ife’s full of surprises. You’ll never know one day you’ll be needing significant amount of cash to pay an emergency expense. If you have a little money saved in your bank, your problem is instantly solved. But if you don’t, are you doomed? Not really.

    There are tons of options to consider and getting a quick loan might be the right one for you. Before asking help from someone else, consider first the SSS Salary loan. SSS Salary loan can provide you at least an average of your latest 12 monthly salary credit or a two month SSS salary loan which is equivalent to twice the average of your latest 12 monthly salary credits posted.

    Apply for loan online

    The good old days are gone. You can now apply for an SSS salary loan online. And the good thing about this is it will only cost you fifteen to thirty minutes of your time to apply for your SSS Salary loan. Forget about filling up application forms and long waiting list of SSS branches. You can easily apply for your SSS Salary Loan online without the hassle.

    This means that you can apply for SSS Salary loan on the go, making the process even easier than before.

    Today We learn how to apply for SSS Salary Loan Online

    Apply for loan online

    To start making you SSS Salary loan online, you need to log in to your My.SSS account. If you don’t have a My.SSS online inquiry account, you need to register for a My.SSS online account to be able to apply for SSS Salary Loan online. To register your My.SSS online inquiry account, you are required to provide some personal detail especially your SSS number as well as your Employer’s SSS Number. Learn on how to register your my.sss online inquiry account here.

    If you have a My.SSS online inquiry account you can now go to My.SSS Online Inquiry Log in page.

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    Once logged in, the website will display its Main Menu where you can see important links. In the left side of you screen, click on the TRANSACTION and click again the Salary Loan Application. In my case, the Employer ID is automatically populated. I did not enter those figures. If in your case that the SSS Employer ID Number is blank, enter correctly your SSS Employer ID Number so that your SSS Loan Application online will go to the next step. The SSS Salary Loanable amount cannot be modified and will be automatically computed. Know more about SSS Salary loan here.

    Don’t forget to tick the “I agree to the Terms and Conditions” statement. Read the SSS Salary Loan terms and conditions online if you prefer. Once satisfied with your online application of salary loan, click the submit button.

    Apply for loan online

    It’s not an error but you will be directed again to the same page of SSS Salary loan online application. Click again the submit button.

    Apply for loan online

    A message confirming your SSS Salary Loan online application was successful will be presented. The message states:

    You have successfully submitted your SSS Salary Loan Application. We are awaiting the certification from your employer. Your salary loan application will expire if your employer fails to certify on or before Months Date, Year. Please take note of your transaction number XX-XXXXXXXXX-X.

    The period given to your employer takes three (3) to five (5) working days before it expires.

    If your employer responded to SSS request to verify you as their employer, you will not encounter any problem. SSS Office will process you loan immediately. SSS will send you a check named after you.

    Don’t get to excited applying for a SSS Salary Loan

    You might be get sooo excited after reading this blog about applying for SSS Salary loan online. Don’t be, you might get this message:

    Apply for loan online

    Remember that you should be eligible to apply for a SSS Salary loan to be approved. If you’re not sure if you’re eligible or not, you can try two things: Know the things about the requirements on how to apply for a SSS Short term / Salary loan before applying your SSS Salary Loan online or you can simply proceed on applying for your SSS salary loan online. If you’re not eligible to make your SSS Salary loan, the website will reject your application and display a message below.

    My SSS Salary Loan Application Online Experience:

    There’s nothing exciting about my experience on making an SSS salary loan online, it’s just the check arrivedquickly. I applied online last June 18, 2012. I actually take a screenshot of every steps on making my loan so that I can share it with you. I managed to apply for my first SSS salary loan online successfully. If you noticed, SSS gave my employer two working days (jun 18-20) to verify or respond to their verification/certification request that I am their existing employee. I never knew how SSS contacted my employer but HR told me that they have My.SSS online account. They respond immediately and my application for SSS Salary loan was back in SSS Office in a short time. June XX, 2012, I received an email from HR that my SSS Check is ready for pick up. Can you imagine, it took only X days to have an SSS Loan without costing me a single dime or breaking a sweat. I just sat in front of my computer and submitted an application.

    Apply for loan online

    I really don’t even need the money. Out of curiosity, I just tried it out. And that’s my story folks!

    Do you want to make your loan now? Tell us what you’ve learned and your experiences on making a SSS salary loan online! Share it with us in the comments.


    Student Loans South Africa – Approved Study Loans, apply for student loans.#Apply #for #student #loans


    Student Loans – Approved Loans

    A good education is your best bet for a bright future. With the high cost of education nowadays, it is getting harder to get into a decent school and get a rewarding job afterwards. What are your options then?

    What is a student loan and is it necessary to get for enrolling in college?

    Student loans are funds that are available to help finance your education. If you have enough savings to pay for school, then you do not need one

    How does a student loan affect your credit?

    Student loans affect your credit score like any other loans. As long as you pay on time, your credit should be fine.

    Does a student loan and a bank loan affect your credit the same way?

    They are both installment loans on your credit report. It is not advisable to take a bank loan since this is most likely not tax deductible like the student loan.

    What happens to your credit score in you default on a student loan?

    You can’t actually default in making payments. This doesn’t go away. While you may have stopped making payments, you will have to resume because it does not “age” off the credit reports, can not be discharged in bankruptcy and the interest keeps getting added to the outstanding balance.

    Somebody with a huge outstanding student loan balance and no job to pay it off. can be set back decades in achieving their financial and social goals.

    How do you fix a student loan that is over what you originally borrowed?

    Have you exhausted all forbearance or deferment options? Or have you inquired about income-based payment plans? If you haven’t, this can be your first consideration.

    What happens after your student loan application has been approved?

    They usually don’t give you the money until right before the semester starts.

    How does student loan forgiveness work?

    Interest accumulates on any loan any time there’s a remaining balance.

    Is it possible to get a student loan from a bank without a co-signer?

    If you have a good credit history, it is possible to get a student loan without a co-signer. You should go to your bank and discuss this with your personal banker.

    How can i get a student loan if i have bad credit?

    For private student loans, you can only be approved on your own merit or you have to have a cosigner. Local banks might give you a loan but with a higher than normal interest rate.

    Is there a difference between a regular loan and student loan?

    Student loans don’t have to be paid until you finish school.

    Loans have to be re-paid immediately with monthly payments.

    What is the fastest way to get rid of student loan debt?

    In order to attack this debt you first have to write out a budget and pay off your consumer debt on a “snowball method” which is you roll over the payments to the next step and add it to the minimum payment and that will add to the point it will be a big chunk of money to be applied to the student loan. But you have to really be diligent on getting this paid off. Otherwise it will take you forever.

    Better to pay off student loan debt or invest in a home?

    As long as you both have (relatively) stable employment, buy a home and buy one you can afford while paying on your loans. After awhile your student loans will be paid off and you’ll have equity in your house to upgrade to a bigger one if you want.

    Is there a student loan available before actually enrolling in college?

    No you can’t. And if you have any excess loan money you won’t get it until well after the semester has already started. at least 2 weeks in. Sometimes even longer depending on if you met the schools deadlines for turning all your paper work in.

    How do I take out a private student loan?

    Try to avoid private student loans unless you absolutely have to. They have higher interest rates, substandard extra fees, and require cosigners or good credit history.

    I have a student loan payment but I want to go back to school. Is it possible to have my payments deferred?

    Its possible, but most loan providers only let you defer it for the 4 years your in school, your going to have to contact your loan provider to see what there policy is if you go on to grad school.

    How long do you have to pay off a student loan?

    Budget your finances. It is essential to create a budget so you can keep track of how much money is coming into your bank account, and how much money you are paying to cover expenses. Identify areas in which you can cut back on spending. Consolidate your student loans. Ask for student loan payment deferrals if you are unable to make your student loan payments on time. Focus on paying off your student loan sooner than later. Check to see what tax benefits you can get from paying your student loan.

    How can I lower my monthly student loan payments?

    If you have been paying them on time, there should be a way. Call them and ask if it would be possible to combine all the loans to gather with one interest rate. and ask them what they can do to lower your Payments. if that dose not work go to a bank or a credit union and ask if they can help you by giving You a loan to pay off the loan and just have one payment to them.

    Study now, pay later seems like a good thing. After seeing all the facts, you will know for yourself if a study loan is the product for your requirements. One thing is for sure though –a good education is your guarantee for success.

    Providers of study loans in South Africa

    higher education is very important for securing your future, and that is why many south africans are keen to study further after completing high school. however, tertiary education can be very expensive, especially for the majority of people who need the education, but simply cannot afford it. this is primarily why study loans in south [ ]

    Do you qualify for online loans in South Africa?

    There has been an increase in providers of online loans in south africa over the last few years. they have managed to successfully assist thousands of people in need of financial assistance with quick and easy loans. one of the reasons why online loans have been successful is that many people have easy access to [ ]

    Career development solutions | Bank student loans

    tertiary education is very important for securing your future in today s competitive world. however, it is often very expensive to pursue one s dreams and those not fortunate to qualify for scholarships or bursaries may need to apply for bank student loans. these prove to be most helpful in allowing would-be students to pay for their [ ]

    Best Study Loans Options for a Brighter New Year

    so you’ve chosen to further your studies in the new year? that’s probably the best decision you can make for your future, but the future seems a long way away – doesn’t it? in fact, you’re probably wondering how you will accumulate the money to pay for your studies. working and studying at the same [ ]

    Student Loans for a Brighter Future

    although bursaries and other forms of grants are always the preferred form of financial aid, a lot of students don’t have this luxury and have to rely on student loans. to most students a student loan can help them to concentrate on studying rather than worrying about sourcing of funds. this article analyses the advantages [ ]

    Secure a Brighter Future with Student Loans

    student loans remain a popular option for many young people aspiring entrepreneurs, leaders, academics and so on to secure a brighter future. higher education unlocks the door to endless possibilities, which is why finding finance for a degree or diploma has become an important issue for thousands of parents and prospective students alike. [ ]

    Paying Off Your Student Loans Fast

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    you are now a one of the fresh graduates out to conquer the world. before you set your sights in climbing the career ladder, don’t be weighed down by your student loans first. take time to study your options in how you can quickly pay off the loans so you can be on your way [ ]

    A Word on Borrowing and Repaying Student Loans

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    you need to bridge that college education funds gap. you find out about student loans and wonder if this is right for you. here are some tips that might help you borrow sensibly. it is still borrowing isn’t it? a student loan is still a loan even if you don’t have to pay the loan [ ]

    Dos and Don’t s of Student Loans

    Apply for student loans

    getting a student loan for the first time can be quite a challenge. it is new and the fate of your future education rests in the hands of a private lender or the government. you need help. a student loan is expensive and you don’t just sign a lot of papers and head straight to [ ]

    Student Loans Primer

    Apply for student loans

    are you thinking of getting a student loan to pay for your college education? learn the facts first on student loans so you will pass and succeed with flying colors. accrued interest-interests on student loans are accrued over time default rate-a student is in default when he or she hasn’t kept up with payments. the [ ]


    FinAid, Loans, Student Loans, apply for student loans.#Apply #for #student #loans


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    Student loan options can be overwhelming at first glance. But when it comes to federal student loans, there are just a few options.

    The first step in getting one of the federal student loans listed below is to fill out the Free Application for Federal Student Aid, or FAFSA. While the FAFSA does determine eligibility for need-based aid, it also acts as an application for student loan options, both for need-based and non-need-based loans. It supplies students who need financial aid with that help as well as provides financing options for those students that would like to borrow with low-interest federal loans but don’t necessarily qualify for need-based aid.

    Subsidized Stafford Loan

    The subsidized Stafford Loan is available to students who qualify for need as determined by the FAFSA. Students must be a U.S. citizen or eligible non-citizen as well as have a high school diploma or GED. Like most federal student loans, interest does not accrue while the student is in school. If students qualify for a subsidized Stafford Loan, it will be stated on their award letter notification along with the amount for which they can borrow.

    The Perkins Loan is another federal loan option that is for needy students. Again, students must be a U.S. citizen or eligible non-citizen as well as hold a high school diploma or GED. Again, interest does not accrue with the Perkins Loan, and students will find out whether or not they qualify as well as for how much when they receive their award letters from colleges.

    Unsubsidized Stafford Loan

    Finally, the unsubsidized Stafford Loan is a little different from the other federal loans. For both the subsidized Stafford and Perkins Loans, students must qualify for need as determined by the FAFSA. However, the unsubsidized Stafford Loan is available to any student, regardless of need. Also, unlike the other federal loans, interest accrues while the student is attending school. Again, if students want to apply for the unsubsidized Stafford Loan, they must complete the FAFSA.

    Students can also qualify for a federal student loan consolidation after graduating from college or graduate school.


    Online Personal Installment Loans, Sun Loan Company, apply for personal loan.#Apply #for #personal #loan


    Start your application today

    Need money? We can help! Apply Now!

    A company calling itself Sun Loan Company has been cheating customers by offering fraudulent loans over the telephone and stealing money by acquiring bank account information. Sun Loan Company does not ask for bank account information. NEVER PROVIDE YOUR BANK ACCOUNT INFORMATION OVER THE TELEPHONE!

    Remember Sun Loan Company:

    • Will list each office location on the website with their phone number
    • Our loan amounts vary by state and they range from $100 to a maximum of $5000
    • Will never call you without your loan application
    • VERY IMPORTANT WE DON T ASK for fees or prepaid cards up front, and will not ask for your bank account information

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    A company calling itself Sun Loan Company has been cheating customers by offering fraudulent loans over the telephone and stealing money by acquiring bank account information. Sun Loan Company does not ask for bank account information. NEVER PROVIDE YOUR BANK ACCOUNT INFORMATION OVER THE TELEPHONE!

    Remember Sun Loan Company:

    • Will list each office location on the website with their phone number
    • Our loan amounts vary by state and they range from $100 to a maximum of $5000
    • Will never call you without your loan application
    • VERY IMPORTANT WE DON T ASK for fees or prepaid cards up front, and will not ask for your bank account information

    Apply Today!

    First enter your zip code

    Personal Loans

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    Copyright 2017 Sun Loan Company. All rights reserved. * Loan amounts differ by location.

    Offers featured via a paid Google advertisement contain rate quotes of no greater than 35.99% APR with lengths from 24 to 48 months with no term less than 24 months. Sun Loan Company personal loan amounts typically range from $2,000 to $5,000. Your actual rate depends upon loan amount, loan term, credit usage and history and will be agreed upon between you and the lender. The disclosures are presented pursuant to the terms and conditions of our service agreement with GOOGLE, Inc. They are not required by any federal, state, or local laws. They are provided as informational services only and may not be construed as legal advice.


    Loan Finder SA, R2500 – R150 000, Apply Online, South Africa, apply for a loan online.#Apply #for #a #loan #online


    Loan Finder SA

    Loan Finder SA do not provide finance ourselves but are able to assist you in finding the best finance for you. We provide information of credit providers in South Africa and the USA. We have been involved in the loan industry for the last 7 years, and in the process build some good relationships with various credit providers and a lot of experience.

    We have two goals in mind to assist you:

    1: to provide you with enough tools to make the correct choice of credit provider and a wise decision whether you really need the loan.

    2: assist you in applying for credit, on your behalf, and prepare all paper work for a professional application.

    In the current economy there are thousands of credit providers for various type of loans:

    Micro loans of R 500 – R 8,000 (these loans are also called short term loans, cash loans or pay day loans, Personal loans (up to +- R 150,000), Home loans and further or second bonds etc.

    When applying for a loan:

    – Make sure you understand the terms and conditions of the application

    – Understand what surety and security will be applicable to the loan.

    Do not loan more than you comfortably can repay within a period of time and per the agreement

    – Ask the credit provider for it’s registration with the National Credit Regulator.

    Loan Finder SA will be able to assist you in finding the suitable finance and assist you in preparing the prescribed documentation for the various credit applications. Please complete the contact form in order for us to assist you.

    Copyright В© 2013. www.loan-finder-sa.com

    All rights reserved. No part of this website may be copied in any form. Loan Finder SA only provide information of various credit providers and cannot be held responsible for any loss you may occur. Please make sure the credit provider is registered with the NCR.


    Apply Online, Loan Spotter SA, apply for a loan online.#Apply #for #a #loan #online


    Apply Online

    Find out if you qualify for a loan

    Apply for a loan online

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    The following information refers to the Loan Referral Service of Loan Spotter SA, which is a complimentary added benefit to your Convenient Service Package that you have purchased. Loan Periods as offered by Registered Credit Providers Minimum period offered by registered credit provider(s): 3 (Three) Months Maximum Period offered by registered credit provider(s): 60 (Sixty) Months Maximum Annual Percentage Rate (APR): 27% (Repo Rate + 21%) Loan Types: Secured Loans, Unsecured Loans, Bonds (Mortgage), Personal Finance, Vehicle Finance, Bridging Finance, Debt Consolidation etc. Our referral consultant(s) and their respective financial Services and Credit providers whom vet our clients to provide a possible loan, subject to the clients’ affordability and credit criteria as prescribed and governed by the NCA (National Credit Act, 2005, DO NOT provide pay day loan services. Representative Example: Nett loan amount, R 50,000.00, term 36 months, APR (Annual Percentage Rate) 10.71%, fixed nominal rate at 8.84% p.a., one-time Service fee approximately 2.00% of net loan amount. Example: Nett Loan Amount: R50 000.00 APR (10.71%): R8 680.00 Service Fee: R1000.00 Loan Period 36 months Monthly Instalment: R 1,630.00 Total Amount Payable: R59 680.00 This could apply provided the following: A sufficient credit score and positive affordability criteria at the sole discretion of the credit provider. Please note, this representative example could vary dependent on the service provider granting the credit transaction/agreement. Implications of late payment of a Loan i.e. not making payment of an installment on time? You will unfortunately be held responsible for interest charges on any late payments. If you approach the Loan Spotter SA affiliated financial service(s)/credit provider(s) who has granted you a loan and discuss your inability to make payment of your monthly installments on time, the Loan Spotter SA affiliated financial service(s)/credit provider(s) shall consider your position and if possible, assist to find a suitable solution which may include rescheduling of the loan. If you still do not keep to the arrangement, the matter will be handed over to attorneys, who shall implement the standard legal collection process, to collect all outstanding amounts, which shall include interest and legal costs. This may impact negatively on your ability to obtain credit in future. Implications of non-payment of a Loan i.e. not making a payment on your loan installment at all? There are always reasons for non-payment but after a certain point in time, the Loan Spotter SA affiliated financial service(s)/credit provider(s) who has granted you a loan will report the loan in arrears. It will then become part of your credit history and will affect how your credit score will be calculated. You will unfortunately be held responsible for interest on any non-payment of your monthly installments. If you approach the Loan Spotter SA affiliated financial service(s)/credit provider(s) and discuss your inability to make payment of your monthly installments, your position will be considered and if possible, the Loan Spotter SA affiliated financial service(s)/credit provider(s) who has granted you a loan, will assist to find a suitable solution which may include rescheduling of the loan. If you still do not keep to the arrangement, the matter will be handed over to attorneys, who shall implement the standard legal collection process, to collect all outstanding amounts, which shall include interest and legal costs. This may impact negatively on your ability to obtain credit in future. Code of Practice / Policy of responsible lending In accordance with the obligations of the Loan Spotter SA affiliated financial service(s)/credit provider(s), in terms of Section 81 of the National Credit Act, Act 34 of 2005, the financial service(s)/credit provider(s) is prohibited from entering into credit agreements with a consumer, unless the financial service(s)/credit provider(s) has considered the consumer’s existing financial means, prospects and obligations. The purpose of this clause is to protect you, the individual and to prevent over indebtedness that will place you in a position where you are unable to honour your obligations with a financial service(s)/credit provider(s). Disclosure of fees including the APR (annual percentage rate) EXPLAINED: APR (Annual Percentage Rate: The term annual percentage rate of charge (APR), corresponding sometimes to a nominal APR and sometimes to an effective APR (or EAPR), describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage bond, credit card, etc. It is a finance charge expressed as an annual rate. In general: • The nominal APR is the simple-interest rate (for a year). • The effective APR is the fee + compound interest rate (calculated across a year) According to the National Credit Act, 2005, this is the maximum fee structure of any short term loan of less than 6 months and between R500 and R8000 for a registered financial service(s)/credit provider(s): Short Term Loans (i.e. Loans of up to 6 months of no more than R8 000): 5% per month maximum interest rate. Maximum Initiation fees: R150 + 10% of any amount greater than R1 000 (Maximum fee R1 000) Service Fees of a Credit Provider A service fee, is a fee that a financial service(s)/credit provider(s) charges a consumer for servicing a credit agreement between them. The fee is for administering or maintaining the credit agreement. The financial service(s)/credit provider(s) can charge this fee on a monthly or annual basis. It can also be charged per transaction. The Act regulates service fees in a number of ways including by specifying the maximum fees that financial service(s)/credit provider(s) are allowed to charge and how often the fees can be recovered. The current maximum service fee that a financial service(s)/credit provider(s) can charge a consumer is R50-00 a month. If the consumer pays an annual service fee, the maximum that the consumer can be charged is R600-00 per year. If the credit agreement is settled sooner than originally agreed by the consumer and within the year to which the annual service fee relates, the financial service(s)/credit provider(s) must refund the unused portion of the service fee to the consumer. All our registered financial service(s)/credit provider(s) with whom we have pre-arranged agreements are registered with all regulatory bodies in South Africa pertaining to financial services. Renewal Policy for the Credit Provider Loans can be renewed but will be to the sole discretion of the financial service(s)/credit provider(s), who has granted the initial loan and will be measured against the affordability and credit criteria of the applicant/client at the end term of the loan. Renewal Policy for Loan Spotter SA “Renewal” means renewal of the convenient service package offering, offered by Loan Spotter SA as per the terms of service, legal disclaimer, privacy policy, terms of use and loan information (collectively known as the “policies”). (please click here to read the Loan Spotter SA terms of service), these terms and policies are binding and governed between Loan Spotter SA and the applicant/client.

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