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


apply for loan online

Apply for loan online

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.


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


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Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

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.


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


apply for student loans

Apply for student loans

Apply for student loans

Apply for student loansApply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

Apply for student loans

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.


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


apply for loan

Apply for 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.


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


apply for a loan online

Apply for a loan online

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 a loan online.#Apply #for #a #loan #online


Learn How to Apply for SSS Salary Loan Online

Published by Nico Robin Salazar • July 1, 2012

  • Apply for a loan online
  • Apply for a loan online
  • Apply for a loan online

  • Apply for a loan online
  • Apply for a loan online
  • Apply for a loan online

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 a 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 a 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.

Apply for a loan online

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 a 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 a 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 a 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 a 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.


FinAid, Loans, Student Loans, how to apply for student loans.#How #to #apply #for #student #loans


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How to apply for student loans

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.


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Student Loan Income-Based Repayment (IBR) Calculator

Income-Based Repayment (IBR) is a repayment plan available to federal student loan borrowers. It s based on the idea that how much you pay each month should be based on your ability to pay, not how much you owe. When applying for IBR, the government looks at your income, family size, and state of residence to calculate your monthly payments.

Personal info

Adjusted gross income

Family size

State of residence

Annual income growth

Loan info

Were any of your federal student loans disbursed before July, 2014?

Total federal student loan balance

Current monthly payment

Avg. weighted interest rate

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Total balance paid

Total forgiveness

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Income-Based Repayment (IBR) Calculator FAQs

1. What assumptions does the IBR Calculator make?

For the IBR Calculator to provide a forgiveness estimate, we have to make some assumptions which may or may not be true in everyone’s case. The calculator assumes the following:

  • Your family size will remain the same during the life of the loan.
  • Poverty guidelines will increase based on the Congressional Budget Office’s estimate of inflation.
  • All loans are unsubsidized loans for the purposes of interest accumulation.
  • The current interest rate won’t change during the life of the loan (even for loans with variable interest rates).
  • You meet all eligibility requirements to enroll in IBR (see below).

2. Am I eligible for IBR?

Income-driven repayment plans are complicated, so we can’t guarantee that receiving a result from this calculator guarantees you’re eligible for IBR.

Generally, anyone with qualifying federal loans (see below) who also meets income requirements is eligible for one form of IBR. However, there are two variations of IBR (see #3 below).

Our calculator uses the date when you first received federal student loans to use the correct IBR variation in your case.

Loan types that are eligible for IBR include:

  • Direct Loans (both Subsidized and Unsubsidized)
  • Direct PLUS Loans (made to graduate or professional students only)
  • Direct Consolidation Loans
  • Federal Stafford Loans (both Subsidized and Unsubsidized, eligible if consolidated)
  • FFEL PLUS Loans (made to graduate or professional students only, eligible if consolidated)
  • FFEL Consolidation Loans (eligible if consolidated and only if does not contain parent loans)
  • Federal Perkins Loans (eligible if consolidated)

Loan types that are generally ineligible for IBR are:

  • Parent PLUS Loans
  • FFEL PLUS Loans made to parents
  • Direct Consolidation Loans that repaid a Parent PLUS Loan

3. Why does this calculator ask when my loans were first dispersed?

There are technically two different versions of IBR. The one which you may be eligible for depends on when you first received federal student loans.

Version 1: “Old” IBR (for new borrowers before July 1, 2014)

  • Limits payments to 15 percent of discretionary income (and never more than the 10-year Standard payment amount)
  • Forgiveness after 25 years of payments

Version 2: “New” IBR (for new borrowers on or after July 1, 2014)

  • Limits payments to 10 percent of discretionary income (and never more than the 10-year Standard payment amount)
  • Forgiveness after 20 years of payments

4. What options do I have other than IBR?

PAYE limits student loan payments to 10 percent of discretionary income (and never more than the 10-year Standard payment amount). PAYE is only available to new borrowers as of October 1, 2007, or later.

Like PAYE, REPAYE limits monthly student loans payments to 10 percent of discretionary income. However, REPAYE is available to any borrower who has qualifying loans regardless of when he or she started borrowing.

If you re not sure IBR or similar plans are right for you, answer a few questions below and we can help point you towards a solution!


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