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How to Get an Associate s Degree Fast

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How to Get an Associate’s Degree Fast

Get your associate’s degree by getting credit by exam.

An associate’s degree is a two-year degree, typically offered at community colleges. Through tests and dual-credit courses taken when you are in high school, you can earn credit for courses without having to take them. Summer and winter break courses can also speed up the time it takes for you to get your associate’s degree.

Take dual-credit or Advanced Placement courses if you are still in high school. High schools often partner with local community colleges and universities to offer basic college-level courses to juniors and seniors in high school. You will receive both college and high school credit for each course you pass. If you pass the Advanced Placement exam in each AP class you take, you can earn credit for basic college courses as well. Each college sets its own minimum score it will accept on AP exams.

Take “minimester” courses during the winter breaks while you are in college. These are usually intense three-week long classes in a variety of subjects that offer the full credit a semester-long course would. These classes usually meet five days a week for a few hours each day, so allocate enough time in your schedule over the holiday to study for the class. Take classes over summer breaks as well to finish your degree faster.

Take CLEP tests. These tests are offered by individual colleges in a variety of subjects. You can study for a particular exam or take it without studying if you are familiar with the subject matter. The College-Level Exam Program offers over 30 tests for college credit. Each college allows you to get a certain amount of credit by exam. As of 2010, the fee for each exam is $77, not inclusive of administrative fees charged by individual colleges. Each test can provide from three to 12 hours of college credit.

Contact your college’s admissions department about getting credit for classes based on your life and work experience. If you have a significant amount of experience in a particular field, your college may grant you credit based on it. You will need to prepare a portfolio of proof of your experience such as certificates of training.

Attend classes online. Online courses are usually shorter, and their scheduling is generally more flexible than traditional courses.


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There are tons of practice exams available to help you study for your exam. Here are the BEST practice exams you can find that I’ve personally used and recommend to anyone.

Classes

If you need more time to prepare for an exam before the enrollment commitment to a college then Distance Learning is the best way for you to go. Here are the companies that I recommend.

Study Guides

Although I used the references recommended by College Board and DANTES/DSST when I was preparing for my exams, it was still necessary to use study guides to supplement my study material.

Welcome to your FREE online Credit-by-Exam Resource! Here, you can find everything you need to help you earn your Bachelor’s Degree in One Year or less. You can check out study guides and practice exams to help you succeed.

I’m dedicated to helping you figure out everything you need to do in order to successfully manage your CLEP and DANTES exam preparation. If you don’t know what to do, or you feel kind of lost, please click a link below so I can figure out the best way to help you.

Please see the FAQ for answers to common questions. Scroll down to view the categories below for information regarding specific exams.

Here’s to your success!

The intentions of this website are:

  • To motivate middle-aged (or anyone else) to study for the CLEP and DANTES/DSST exams and pass!
  • To be used as an online resource by anyone interested in earning their Bachelor’s degree in the shortest amount of time.
  • To provide reliable, informative and organized information about the process of earning college credit by exam.
  • Do my best to answer every comment and question that is asked of me as soon as I can.
  • Find out the best resources for passing the CLEP and DANTES/DSST Exams and share them with you.
  • Be the NUMBER ONE Credit-By-Exam preparation resource.

This website is NOT:

  • An official CLEP website or an affiliate of College Board.
  • A brain dump, or how to cheat sheet site. I don’t condone cheating and any questions with that regard will be deleted.
  • Made for making money. Although you will see products for sale their purpose is to help you pass your exam, not for scamming or stealing your money.

Thank you for your support and for using degreefasttrack.com as your trusted Credit-by-Exam resource.

About Me

Hello, my name is Anelia. I’m just a regular person who decided to finish my college education after a long 14-year break. I graduated with a BS from Excelsior College in just 4 months by taking CLEP and DSST exams. Later, I earned my MBA from NCU in 14 months. I wrote about how I accelerated both degrees.

Most Popular Articles

Facts And Figures

* There are over 3500 colleges that grant credit-by-exam for passing scores

* College graduates with a Bachelor’s degree can expect to earn $1 Million more than high school graduates in their lifetime

* Online College and Distance Learning enrollment has increased by 35% for adult learners

* The average college course costs $700. One college level exam costs only $80 for the same number of college credits

Copyright © 2017 Degree Fast Track. All Rights Reserved.Trademarks and product names are the property of their respective owners and are used for reference only.


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Payday loans can certainly be considered life savers when unexpected situations arise. It has happened to all of us at least once to be in great need of cash, just several days before the payday. Also referred to as “quick cash loans” or “no credit check loans”, these short-term loans have a series of benefits over the regular credits as we know them. Over the past several years, more and more people have become interested in fast cash loan no credit check, due to their numerous benefits and the convenient interest rates that are applied. Unexpected situations happen all the time. No matter if a relative becomes sick and you need money for treatment, or you have problems with the pipes and you need the services of a plumber, the USA payday loans can help you solve your money-related issues. These loans can be obtained in a matter of minutes, and no paperwork is required whatsoever. In this article you will find detailed information regarding payday loans and their advantages.

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Anyone can get a no credit check cash loan starting from $100-$1500. The term of repayment of these loans is short which varies from 15-31 days. The repayment must be met within the given time-frame. The funds being short term in nature and free from collateral are offered at a little raised rates of interest.

Most lenders that do personal loans with no credit check will offer loans with no credit checks or document faxing providing you work and have a stable income. The lender just whats to make sure they get their money back and that you have the income needed to pay the loan back, so they may ask you if you have any other loans including a home mortgage so they can work out if they will get paid back. To get a payday loan with no credit check you will probably have to pay slightly higher fees and the interest rate will probably by 1-2% higher. However, this is a small price to pay if you can secure a bit of extra cash to help pay off unexpected debts or cover some other unexpected financial emergency.

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Always check the terms and conditions to be sure you are getting direct cash advance loans and not a loan from a broker. You can save yourself a lot of money by choosing the right lender when looking for a no credit check personal loan. When you are faced with a financial crisis and need money fast, one solution may be to apply for one of the direct payday loans to give yourself enough time to get back on your feet financially. It only takes a few minutes and you can take care of that unexpected emergency that has come up before it becomes a bigger problem.

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Are you one of many who suffers from bad credit score? Do you need money now to get rid of your financial difficulties asap? Welcome to the club! But there s a solution you may want to consider. A payday loan is a fast source of money for people who have bad credit and need money now to settle their difficult money issues as fast as possible. Payday loans are short-term loans, usually given for a two or four week term. Of course, the loan repayment period may be subject to extension up to ninety days. Pay loans are popular among people with bad credit score since lenders may not perform a credit check while processing applications, thus people with bad credit score stand a pretty good chance to get a loan despite their poor credit history.

How to get a no credit payday loan?

Instant payday loans can be obtained personally at a payday lending company s office or online on a direct payday lender s website. You might also apply for a $500 loan online on a website like this, where you ll be connected with a number of direct lenders at once who will compete to present you with the best loan offer. If you have little time, it s best to apply for payday loans online, which will save you plenty of time. When you apply online, you don t even have to leave home. It takes only a few mouse clicks to apply for a payday loan which will patch your financial troubles for a short while. Most lenders in the network we work with don’t perform a typical credit check for loans up to $500. Larger loans, over $500 will require a standard credit check.

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Step one in the process involves filing an online application form with a direct lender or lenders. The application undergoes a verification process. The verification process is short and simple. It has been designed so as to result in quick loan approval. Pay loan processing, which ends in pay loan approval or rejection involves no paperwork and credit check. For those two reasons payday loans are so much popular. But not only. They are also popular because they are a quick money source. Moreover, the requirements are minimal.

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Is it possible at all? Of course it is. Provided that the borrower completes pay loan application form with accurate and up-to-date data, no paperwork will be necessary. When it comes to credit check, majority of direct lenders don t perform it because they approve or reject loan applications on the basis of the borrower s income and his/her capacity to repay the loan on time. If one has a fixed source of income, he/she is viewed as a reliable customer. Therefore, with a steady income, which can come from a variety of sources, for instance pension, wages, unemployment benefits, etc., the chances are very high that one will be approved for a pay loan very fast.

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After your loan application has been approved, the lender contacts you to discuss the terms and conditions of your loan. If they seem fair and affordable to you, the loan agreement is signed. It is done electronically, to save the time. After the loan agreement is signed, the lender transfers the money onto the borrower s bank account. Majority of lenders guarantee money same day. Some lenders guarantee money almost instantly, in one hour. Either way, the borrower gets the money fast. Fast money transfer allows the borrower to settle his/her financial troubles promptly.

There are only three simple requirements that people who apply for pay loans online must fulfill. Those requirements include legal age, which is eighteen years of age and more. Another requirement is a bank account, which can be savings or checking. Some lenders also offer pay loans without bank account. The last requirement is a fixed income.

Disclosure: Our lenders may offer you a loan with an APR ranging from 390% to 780% based on a two-week loan.

The APR on a short term loan represents the amount of your loan, cost of the loan and term of the loan. Example: You borrow $100 for two weeks. A lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs, and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.



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Shorttermsloans.com is not a lender outside of Fast payday loanand does not provide short-term loans for non- Fast payday loanresidents, but refers consumers to lenders who may provide such loans. Shorttermloans.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APR’s vary according to the information supplied by you in your loan request and the lender who accepts your request. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on in the loan request process.

Implications of Non-Payment and other Considerations

We would like to remind you that Shorttermloans.com is not a lender outside of Fast payday loan and does not charge any fees for its referral services. Every lender in our network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. Shorttermloans.com cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Shorttermloans.com has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We only work with reputable lenders who are dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

Fees and Interest

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Shorttermloans.com is not a lender outside the state of Fast payday loanand cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

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Shorttermloans.com does not make credit decisions nor do we conduct a credit inquiry on consumers seeking loans outside the State of Fast payday loan. However, the lenders we refer non- Fast payday loanconsumers to may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders may conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Short term loans are intended to be a short term financial instrument. We encourage all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a Cash Advance loan, we would recommend that you explore loan alternatives before applying for a short term or cash advance loan.

Except for loans we fund in Fast payday loan, we do not engage in debt collection practices. Your lendersпїЅ collection practices will be disclosed to you in the loan documents provided to you by the lender. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We make reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.

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Professional Advice Recommended: The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution for consumers facing long term debt and credit difficulties, and should not be used on a long-term basis. We recommended that you seek professional advice regarding your financial needs, including risks and alternatives to short term loans.

Disclaimer: We are a referral service to qualified participating lenders. We are not a lender loan broker or agent for any lender or loan broker outside of the State of Fast payday loan. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited. This is not a solicitation for a particular loan. We do not control and are not responsible for the actions of any lender. We do not endorse or charge you for any service or product. You are under no obligation to use our Service to initiate contact with a lender, nor apply for credit or any loan product with any service provider or lender. You are under no obligation to accept any loan from a participating lender.

Credit Implications: We and our participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and to determine credit worthiness, credit standing and/or credit capacity. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

Guarantee: There is no guarantee that you will be accepted by one of our participating lenders. A lenderпїЅs cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and are regulated by state and local laws. In some circumstances, the lender may require a fax. For details, questions or concerns regarding your loan, please contact your lender directly.



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Whether you like it or not, your credit history takes center stage when it s time to plan your financial aid strategy. If you are a high school student, this may be the first time you ve had to consider the importance of having good credit.

Understanding credit fundamentals helps you determine your best options for getting much-needed financial-aid, so let s examine the basics.

Every credit related interaction you engage in has an outcome that affects your credit rating . If you borrow money and pay it back on schedule, your rating will be the better for it. If you have even one late payment, a negative entry serves to lower your rating.

Your credit score is the summation of all the credit outcomes you have created over the course of your borrowing history. Credit bureaus are tasked with assigning numbers, or scores, to your overall performance. As you apply for certain student aid, your credit score is used by lenders to determine your worthiness for loans.

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You have specific rights related to credit reporting, as outlined by The Fair Credit Reporting Act (FCRA). Three specific protections ensure that credit applications are handled without bias:

  1. If information contained in your credit report has been used to withhold a loan, the lender is obligated to tell you that it has.
  2. You have a specific right to know what is contained in your credit report.
  3. You have the right to challenge any information contained in your credit report that is not accurate or is incomplete.

The Fair and Accurate Credit Transaction Act (FACTA) is a legal provision granting you the right to receive free copies of your credit reports from each of the three national credit bureaus, once a year. Get your free report, so you know exactly where you stand – requests are submitted annually to www.annualcreditreport.com. (Remember: you get ONE free report from each one, every year – use it wisely, from the perspective of timing).

What s wrong with my credit?

Experian, Equifax, and Transunion are the three primary credit bureaus that analyze your credit history. While responsible credit behavior is always going to impact your credit rating positively, it is not the only metric used to assign your credit score. Some of the criteria used to derive credit scores are inherently biased against college students.

Credit bureaus want to see longevity and diversity in your credit history. If you are emerging from high school enroute to college, you might not be strong in either area. Three types of credit are examined:

  • Revolving Credit – YourMasterCard or Visa payment record illuminates your ability to manage a revolving account that carries balances across billing periods, and requires timely payments each month.
  • Installment Credit – Loans with fixed payments that are paid back over designated periods of time fall into this category. Mortgages provide the best installment credit references for lenders, because the loans are large and long-held. You probably didn t buy a house during high school, but your steady car loan payments are also installment credit successes.
  • Open Credit – An American Express card is a good example of an open credit line that must be paid in-full each month.

So even if your credit outcomes have been positive, your limited history might not be sufficient to establish a high credit score. To access funds reserved for people with high credit scores, add a longer frame of reference to your credit application- take on a cosigner.

Use cosigners to your advantage—to help build your credit. Once you ve made 48 consecutive on-time payments, it s common for your lender to release the cosigner fromthe loan. The student loan you needed a cosigner to secure, now acts as an installment credit success, to raiseyour own credit score.

If you cannot find someone willing to lend their favorable credit rating to your college funding cause, focus instead on forms of financial aid that don t rely on your past credit performance.

Federal Student Loans: Perfect Bad Credit Loans

Federal student loans provideyour best borrowing options without strong credit.The first step toward securing financial aid is to complete the Free Application for Federal Student Aid (FAFSA). The standardized application computes your need for financial assistance during school. Student income, parental income and assets, and the size of your family are used to calculate your Expected Family Contribution (EFC). Your EFC is then used to create an individual Student Aid Report (SAR) that articulates your precise college financial aid needs.

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Stafford Loans

Submitting your FAFSA places you in contention for Stafford Loans under the William D. Ford Federal Direct Loan Program. Stafford Loans are categorized as subsidized, or unsubsidized, with different conditions for each.

  • Subsidized Stafford Loans are based on demonstrable financial need, as illustrated by your FAFSA results. As long as you are enrolled in school, your interest payments are subsidized by the Federal Government, so your debt doesn t grow while you are learning.
  • Unsubsidized Stafford Loans are not based on financial need, so interest does accrue while you attend school. You have the option of paying the interest as you go, or letting it ride until you finish school. As your interest is added to your debt, your total repayment obligation grows.

Stafford Loans are available for undergraduate and graduate studies, with a maximum yearly award of $20,500 per graduate student.

Parental financial information is included on FAFSA submissions for dependent students. If you apply as an independent student, your parents income is not factored into your Expected Family Contribution (EFC), and your annual Stafford Loan limits are higher.

Perkins Loans

Perkins loans are administered by institutions of higher education (IHE), but are federally funded nonetheless. Funds are reserved for students who demonstrate significant need relating to educational financing.Families with annual incomes below $25,000 are usually eligible for Perkins Loans, but your FAFSA should still be submitted, even if your family makes more.

The maximum annual Perkins loan for undergraduate students is $5500, with a lifetime loan maximum of $27,000. Graduate students may borrow up to $8000 each year, with a $60,000 lifetime maximum. Perkins loans have fixed 5% interest rates and repayment starts 9 months following graduation.

Private lenders require established good credit to consider you for a loan. If you don t have it, get a cosigner on board to bolster your credit worthiness. Without credit or a cosigner, you are best served by direct federal loans.



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With our simple online application process, you can apply for a personal short term loan through your desktop, tablet or even your mobile phone. Approval only takes hours, not days or weeks, so the money arrives when you need it most. Our aim is to process your application in the fastest time frame possible, getting the cash into your account within 24 hours. After you complete your online application a professional Lending Manager will review it and contact you to complete the process.

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Our services prove that online unsecured personal loans don’t have to cost the earth. Clients experience the best personal loan rates available and the most dedicated service. Calling our team doesn’t put you on to an automatic system, we offer real people to help solve your real problems.

Speaking to a professional accredited and trained consultant ensures you know what rates you are eligible for – you will always know exactly what you’re getting yourself into. Our easy approval system means you don’t need extensive paperwork and weeks of waiting to receive your funds. Whether you need cash to cover a $300 bill or a $5000 loan for emergency auto repairs, we can help.

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We offer easy repayment options with weekly or fortnightly payments. Our fixed interest rates ensures that you won’s have to worry about an increased debt. Rather than worry about how you are going to pay for that $5000 dental bill or stress out about those emergency repairs you can’t afford, simply get in touch with us today.

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How Onilne Payday Loans Work

At the present moment payday loans represent a very beneficial option for many borrowers state-wide and not without a reason. These small cash loans offer something that can help many individuals to get over their short periods of financial difficulties without too much stress.

The phenomenon of small cash loans is not entirely new; however, payday loans have become really popular in the last decade. These are small loans ranging from $100 to $1,000 that are usually granted to a borrower for a short term (usually until the next paycheck arrives) and under interest that differs with regards to a state as well as a lender.

One of the distinctive features is that such loans are unsecured – they do not require any type of collateral or co-signers; and they also can be applied by any individual in need of fast cash – that is why they are also frequently called bad credit loans. Payday lenders offer loans to all borrowers with no regards to their credit standing – this simplifies the process and makes loans more affordable to those who frequently need them most.

One of the major situations when payday loans come in helpful is when some unplanned or unexpected expenses arrive, when cash is needed fast and without delays. Time is important; and when banks can make you wait and can eventually reject your application, with payday loans you have all the fair chances for approval.

That is why it is the most convenient way to get cash to cover medical bills or repair bills, or any other things that you have to face and there are no savings or friends and family to rely on.

This is exactly why so many people choose this loan option above all others. Bad credit is ok, no problem with your credit scores, approval within minutes and easy loan process – it is definitely one of the best ways to solve all your financial problems.

One of the things that distinguish payday loan application process is its ease and simplicity. The application itself starts with the application form and it takes a couple of minutes.

Online payday loans offer the benefit of making an application right from home without any need to go to a loan store or waiting in long lines and so on. The application can be sent 24/7 and it is also processed very fast.

When we receive your application, we sent it to a lender with the most suitable offer for approval, which is granted shortly, usually within an hour. We do not ask for any prepayments made in advance or any similar actions, all the transactions are electronic and are carried out online.

When a borrower receives approval for a loan, they can expect the cash to arrive to their bank account within several hours. This money can be used in whatever way a borrower finds it suitable. There is no need to state your purpose; no such inquiries are made in the process of application.

Repayment is also an easy process. It is performed on the due date (which is agreed in advance between a lender and a borrower) and is entirely electronic. The loan amount plus interest is withdrawn automatically from a borrower’s account. There is no need to go to a loan store on this stage of a process either – everything is simple and convenient.

Payday lenders have a very short list of requirements to their potential borrowers, it is much simpler than the one banks or credit unions would ask, and therefore, the entire loan process is simpler and faster. Thus, here is what most lenders would expect from a borrower:

  • to be the U.S. citizen;
  • over 18 years old;
  • be able to provide the proof of identity;
  • as well as the proofs of income and employment;
  • an active checking account.

As it has been mentioned, credit history state does not play any role in the approval decision. Though credit checks are possible; all the customers with any credit record are welcome and can get access to the cash they need.

Payday loans are small cash loans ranging from $100 to $1,000 on average. The maximum amount of a loan granted to one person at a time differs with regards to a state where a loan is applied. Some states have maximum amount of $300 and others $500; more lenient states allow larger loans even for first-time borrowers.

The same refers to the rate of interest. Small unsecured loans are usually one of the most expensive in the loan industry as they are, strictly speaking, are only secured by the interest. That is why the rate of interest usually ranges from $10 to $25 with regards to a lender, as well as the state laws. Some of the states allow bigger rates, others cap such loans at some fixed rate; however, in some states the APR can reach up to 400%. The shorter the term and the smaller the amount, the higher the interest.

Payday loans are regulated on state and federal levels; however, it is usually state laws that all lenders willing to operate should comply with. There are several states that do not allow payday lending on their territories and there are other states that treat this loan sector with more lenience. There are also states where payday lending is widespread and these are the states with most lender numbers and choice.

All payday lenders have to comply with state regulations and disclose their terms and conditions in advance before the agreement is signed. All lenders wishing to operate in a particular state have to acquire a proper license. All the lenders we cooperate with are fully licensed as well as operate legally on the territory of their states.

Payday loans represent a unique option for many people to solve their financial problems fast and without much hassle. There is hardly any other similar loan product that can be acquired as easily and as fast. This is definitely one of the best solutions for many borrowers who find themselves facing a financial complication.

For bad credit customers it is frequently the last resort as they are often unable to rely on any other option. Banks are unwilling to grant their approvals and there are few other options to try, and sometimes there are none. In this situation fast credit is always helpful. Though credit checks are possible in the process of application, it is fast and easy and it is available to anyone.

At Weapprovefast.com we represent a company that connects borrowers who seeks fast cash for their needs with one of several lenders in our network. We do not operate as direct lenders and neither do we offer any services of the sort on our part. We provide up-to-date information about payday loans and match borrower applications with lender offers to mutual benefit and convenience.

We have got a large lender database in all the states where small cash loans are legal and we can find the best and the most suitable offer for all borrowers with no regards of their credit history or situation.

Anyone in need of fast cash can find it here – fast and easy, no hassle, no headaches – just the money you need right now!



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Why choose Nifty Personal Loans?

Nifty Personal Loans has everything to meet your needs with loans ranging from $100 to $2,000.

We will not perform a credit check or a formal credit enquiry when you apply for $400 or below!

Apply for a loan with us and see why thousands of Australians trust Nifty Personal Loans. You can also read our reviews on Product Reviews and Word Of Mouth.

Generally a loan decision is granted within an hour of us receiving your complete application during normal business hours.

Applying with Nifty is easy. There’s no tiresome paperwork. Just jump on your computer or smartphone any time of the day.

Once your online contract is accepted we will immediately transfer the money to your bank. The latest you will receive the funds will be overnight providing you are approved before 4.30pm AEST .

Complete our quick and simple 5 minute application form.

Decision within the hour

We assess you application and provide you with an outcome, usually within 60 mins during normal business hours.

Step 3

Once approved, and your online contract is accepted, we will transfer the money to your bank.

How to qualify for a nifty personal loan

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account for at least 3 months.

You must have a personal contact number.

HERE’S HOW OUR SMALL PERSONAL LOANS WORK

HERE’S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

The Nifty Mission

To empower every Australian in need of small amount credit with the ability to access our quick personal loans. To process loan applications swiftly and to the complete satisfaction of our customers. To be open and frank about our fees and charges. To provide second-to-none service. Nifty exists for you. We don’t mind saying we’re a money lender. After all, that’s exactly what we do. Small, quick, affordable, short-term, bad credit, unsecured personal cash loans to every day Australians. We are an online provider of small personal loans. They’re unsecured personal loans (we don’t register an interest in your car or anything like that). They’re short term – as short as you need them to be, we don’t do credit checks either. We understand that speed is important to you. When a situation arises where you need to borrow money quickly, we get that and we deliver. For more information please see our personal loan repayment calculator. We also do emergency loan when you are in a tight spot.

Most applications are assessed within one hour. Whether it’s a bond loan or you need the money for any other unexpected event, Nifty’s online loans are quick and easy to apply for. We won’t treat you like a number or a liability like the more mainstream lenders. Whether you’re employed or get your income from Centrelink, you are welcome to apply with Nifty. We understand your wants and needs and our aim is to satisfy your requirements in the easiest and most efficient way possible. We want to establish a relationship with you so that you are comfortable dealing with us and communicating with us. We speak your language. It can be stressful taking on debt. We can help you to overcome that with easy repayment terms. You can use the personal loan calculator to see an estimated repayment cost. When life throws up those challenges where fast cash today is critical, look no further than Nifty. You’ll never look back. We guarantee it!



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Business Loans – Alternative Business Financing

We provide business cash advances, completely unsecured up to $250,000! A business cash advance is a great alternative to traditional loans and small business financing options such as:

  • Small Business Loans
  • Unsecured Business Loans
  • Business Loan for Businesses with Bad Credit
  • Secured Business Financing

Our business cash advance is based on future sales. We facilitate success by providing cash in advance, quickly, without the formalities and strict requirements of a business loan offered by banks and other financing companies. Business loans require security (collateral), good credit and a long business history. New businesses and small businesses with bad credit may still qualify for an unsecured business cash advance loan.

Business Cash Advance Requirements

  • Your business is registered in the United States
  • Your Business is established – No Start-Ups
  • Proof of gross monthly revenue

Business Cash Advance Vs. Small Business Loan.

Unlike traditional small business loan financing, with our business cash advance you are not fixed to a repayment schedule. If you have a slow period we take a smaller payment; working with the flow of your business. Additionally, unlike small business loans, our unsecured business loan alternative does not require collateral or a personal guarantee. We also do not require financials or tax returns. Our quick online application is simple and takes only a few minutes. Business loans require extensive paperwork and a lot of time. We can approve your business for an unsecured cash advance in less than 24 hours and have a working capital loan of up to $250,000 transferred to you in less than 1 week!

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Online Payday Installment Loans – Get Started Now!

Shorttermsloans.com is not a lender outside of Need a loan fastand does not provide short-term loans for non- Need a loan fastresidents, but refers consumers to lenders who may provide such loans. Shorttermloans.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APR’s vary according to the information supplied by you in your loan request and the lender who accepts your request. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on in the loan request process.

Implications of Non-Payment and other Considerations

We would like to remind you that Shorttermloans.com is not a lender outside of Need a loan fast and does not charge any fees for its referral services. Every lender in our network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. Shorttermloans.com cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Shorttermloans.com has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We only work with reputable lenders who are dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

Fees and Interest

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Shorttermloans.com is not a lender outside the state of Need a loan fastand cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

Credit Score Impact

Shorttermloans.com does not make credit decisions nor do we conduct a credit inquiry on consumers seeking loans outside the State of Need a loan fast. However, the lenders we refer non- Need a loan fastconsumers to may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders may conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Short term loans are intended to be a short term financial instrument. We encourage all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a Cash Advance loan, we would recommend that you explore loan alternatives before applying for a short term or cash advance loan.

Except for loans we fund in Need a loan fast, we do not engage in debt collection practices. Your lendersпїЅ collection practices will be disclosed to you in the loan documents provided to you by the lender. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We make reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.

Why Choose

Short Term Loans

  • Avoid costly late fees, overdraft fees, service cancellations
  • Bad/No Credit? No Problem!
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At Short Term Loans, L.L.C. we know that you can’t plan for everything. When unexpected expenses come up, we are here to help you through the rough spots with the cash you need until your next payday, or even longer.

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Professional Advice Recommended: The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution for consumers facing long term debt and credit difficulties, and should not be used on a long-term basis. We recommended that you seek professional advice regarding your financial needs, including risks and alternatives to short term loans.

Disclaimer: We are a referral service to qualified participating lenders. We are not a lender loan broker or agent for any lender or loan broker outside of the State of Need a loan fast. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited. This is not a solicitation for a particular loan. We do not control and are not responsible for the actions of any lender. We do not endorse or charge you for any service or product. You are under no obligation to use our Service to initiate contact with a lender, nor apply for credit or any loan product with any service provider or lender. You are under no obligation to accept any loan from a participating lender.

Credit Implications: We and our participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and to determine credit worthiness, credit standing and/or credit capacity. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

Guarantee: There is no guarantee that you will be accepted by one of our participating lenders. A lenderпїЅs cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and are regulated by state and local laws. In some circumstances, the lender may require a fax. For details, questions or concerns regarding your loan, please contact your lender directly.



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Everyone faces financial emergencies. Online cash advances would be very helpful in situations where you need money instantly for medical bills, car repairs, utility bills, etc.

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“I became terribly sick recently and was afraid of the financial repercussions. Cash in a Snap was literally my savior. I got the money in my account the very next morning of applying and managed to pay off my medical bills. What a great service they are providing!”

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“I had a very good experience working with “Cash in a Snap”. I found their services to be excellent. It was simple. I applied and was matched up to the ideal lender. The lender called me quickly, explained everything, and answered my questions. I got the money I needed the next day. Couldn’t have been easier…terrific! Thank you.”

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To Apply You Must Be:

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APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from widely and can be from 200% to 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We connect consumers with lending organizations using proprietary algorithms and other software to ensure privacy and the best possible opportunity that a loan may be provided to the applicant. We are an advertising referral service to qualified, participating lenders that may be able to provide loan amounts between $100 and $1,000. Not all lenders can provide up to $1,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to utilize this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.



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Whether you like it or not, your credit history takes center stage when it s time to plan your financial aid strategy. If you are a high school student, this may be the first time you ve had to consider the importance of having good credit.

Understanding credit fundamentals helps you determine your best options for getting much-needed financial-aid, so let s examine the basics.

Every credit related interaction you engage in has an outcome that affects your credit rating . If you borrow money and pay it back on schedule, your rating will be the better for it. If you have even one late payment, a negative entry serves to lower your rating.

Your credit score is the summation of all the credit outcomes you have created over the course of your borrowing history. Credit bureaus are tasked with assigning numbers, or scores, to your overall performance. As you apply for certain student aid, your credit score is used by lenders to determine your worthiness for loans.

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You have specific rights related to credit reporting, as outlined by The Fair Credit Reporting Act (FCRA). Three specific protections ensure that credit applications are handled without bias:

  1. If information contained in your credit report has been used to withhold a loan, the lender is obligated to tell you that it has.
  2. You have a specific right to know what is contained in your credit report.
  3. You have the right to challenge any information contained in your credit report that is not accurate or is incomplete.

The Fair and Accurate Credit Transaction Act (FACTA) is a legal provision granting you the right to receive free copies of your credit reports from each of the three national credit bureaus, once a year. Get your free report, so you know exactly where you stand – requests are submitted annually to www.annualcreditreport.com. (Remember: you get ONE free report from each one, every year – use it wisely, from the perspective of timing).

What s wrong with my credit?

Experian, Equifax, and Transunion are the three primary credit bureaus that analyze your credit history. While responsible credit behavior is always going to impact your credit rating positively, it is not the only metric used to assign your credit score. Some of the criteria used to derive credit scores are inherently biased against college students.

Credit bureaus want to see longevity and diversity in your credit history. If you are emerging from high school enroute to college, you might not be strong in either area. Three types of credit are examined:

  • Revolving Credit – YourMasterCard or Visa payment record illuminates your ability to manage a revolving account that carries balances across billing periods, and requires timely payments each month.
  • Installment Credit – Loans with fixed payments that are paid back over designated periods of time fall into this category. Mortgages provide the best installment credit references for lenders, because the loans are large and long-held. You probably didn t buy a house during high school, but your steady car loan payments are also installment credit successes.
  • Open Credit – An American Express card is a good example of an open credit line that must be paid in-full each month.

So even if your credit outcomes have been positive, your limited history might not be sufficient to establish a high credit score. To access funds reserved for people with high credit scores, add a longer frame of reference to your credit application- take on a cosigner.

Use cosigners to your advantage—to help build your credit. Once you ve made 48 consecutive on-time payments, it s common for your lender to release the cosigner fromthe loan. The student loan you needed a cosigner to secure, now acts as an installment credit success, to raiseyour own credit score.

If you cannot find someone willing to lend their favorable credit rating to your college funding cause, focus instead on forms of financial aid that don t rely on your past credit performance.

Federal Student Loans: Perfect Bad Credit Loans

Federal student loans provideyour best borrowing options without strong credit.The first step toward securing financial aid is to complete the Free Application for Federal Student Aid (FAFSA). The standardized application computes your need for financial assistance during school. Student income, parental income and assets, and the size of your family are used to calculate your Expected Family Contribution (EFC). Your EFC is then used to create an individual Student Aid Report (SAR) that articulates your precise college financial aid needs.

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Stafford Loans

Submitting your FAFSA places you in contention for Stafford Loans under the William D. Ford Federal Direct Loan Program. Stafford Loans are categorized as subsidized, or unsubsidized, with different conditions for each.

  • Subsidized Stafford Loans are based on demonstrable financial need, as illustrated by your FAFSA results. As long as you are enrolled in school, your interest payments are subsidized by the Federal Government, so your debt doesn t grow while you are learning.
  • Unsubsidized Stafford Loans are not based on financial need, so interest does accrue while you attend school. You have the option of paying the interest as you go, or letting it ride until you finish school. As your interest is added to your debt, your total repayment obligation grows.

Stafford Loans are available for undergraduate and graduate studies, with a maximum yearly award of $20,500 per graduate student.

Parental financial information is included on FAFSA submissions for dependent students. If you apply as an independent student, your parents income is not factored into your Expected Family Contribution (EFC), and your annual Stafford Loan limits are higher.

Perkins Loans

Perkins loans are administered by institutions of higher education (IHE), but are federally funded nonetheless. Funds are reserved for students who demonstrate significant need relating to educational financing.Families with annual incomes below $25,000 are usually eligible for Perkins Loans, but your FAFSA should still be submitted, even if your family makes more.

The maximum annual Perkins loan for undergraduate students is $5500, with a lifetime loan maximum of $27,000. Graduate students may borrow up to $8000 each year, with a $60,000 lifetime maximum. Perkins loans have fixed 5% interest rates and repayment starts 9 months following graduation.

Private lenders require established good credit to consider you for a loan. If you don t have it, get a cosigner on board to bolster your credit worthiness. Without credit or a cosigner, you are best served by direct federal loans.



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Why mmPersonalLoans.com?

Created by customer supporters and credit professionals, mmPersonalLoans assists people in making better financial choices by offering free interactive resources, training, as well as impartial evaluations of high quality financial services and products provided by UnitedFinances.com. Credit influences numerous basic areas of our way of life. Even so, approximately 125 million people in America is unable to properly calculate their own credit ratings within fifty points, although that may be frequently the difference between getting accepted or rejected for credit or residence. mmPersonalLoans objective is to change this by means of supplying customers with helpful resources as well as data which let them successfully control their own credit profile with just as much consideration and caution as their investment portfolio.

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Philippine s leading, most trusted, SEC licensed lending company.

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Awarded as Singapore’s Successful Brand, Cash Mart is your personal moneylender like no other. Why Cash Mart is unique? We provide instant loans at the most sensible interest rates with you in mind.

Acknowledging the strong connections of Singapore with its neighboring country, Philippines, Cash Mart once again did a breakthrough by crossing the seas to bring unparalleled loan solutions to the Filipino people with the same perseverance and enthusiasm Singaporeans have been enjoying for more than 45 years.

There is no secret formula to stay in the moneylending business for more than four decades, Cash Mart simply understands the uniqueness of everyone’s financial needs, thus, various loan products has been created guided by market trends analysis, legal processes and sense of urgency.

Filipino workers deserve a reliable partner every time they encounter a financial gap. Cash Mart helps to bridge over the gap through innovative loan options with flexible terms to fit the various personal needs. Served with high ethical standards, the affordable loan products are not only handled with smooth quick loan process but also with transparent terms. This is how Cash Mart maintained its integrity and well-built reputation in Singapore.

Singapore’s leading private lending company is now in the Philippine shores to provide realistic and best loan solutions to every Filipino from all walks of life. We’ll be happy to hear from you. For any enquiries, call us on (02) 829 0000. Expect a world class service with Cash Mart – your Next-Door Moneylender. Cash Mart never fails to be a reliable financial partner when you need us the most. Give us the opportunity to show you want we can offer. Call us now.



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We can help with personal loans wired the same day!

There is no need to feel so stressed. Even having a bad credit does not disqualify you from getting a loan. mmPersonalLoans deals primarily with personal loans and our services are designed to provide financial assistance. Applying for a loan can be done in just three simple steps with no faxing of documents required. The whole application process is properly secured so that no private information is at risk and all unnecessary paperwork has been eliminated. All people with a regular job and a checking or savings account can qualify for our loan. Furthermore, we will not perform any examination of your credit reports or ask inquisitive questions concerning your financial status.

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We value your privacy, so when we receive your application all information provided within is kept confidential and protected. Our loan requirements are extremely easy to meet. One of the best things about our loans is that virtually anyone can qualify!

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Why mmPersonalLoans.com?

Created by customer supporters and credit professionals, mmPersonalLoans assists people in making better financial choices by offering free interactive resources, training, as well as impartial evaluations of high quality financial services and products provided by UnitedFinances.com. Credit influences numerous basic areas of our way of life. Even so, approximately 125 million people in America is unable to properly calculate their own credit ratings within fifty points, although that may be frequently the difference between getting accepted or rejected for credit or residence. mmPersonalLoans objective is to change this by means of supplying customers with helpful resources as well as data which let them successfully control their own credit profile with just as much consideration and caution as their investment portfolio.

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There is no need to feel so stressed. Even having a bad credit does not disqualify you from getting a loan. mmPersonalLoans deals primarily with personal loans and our services are designed to provide financial assistance. Applying for a loan can be done in just three simple steps with no faxing of documents required. The whole application process is properly secured so that no private information is at risk and all unnecessary paperwork has been eliminated. All people with a regular job and a checking or savings account can qualify for our loan. Furthermore, we will not perform any examination of your credit reports or ask inquisitive questions concerning your financial status.

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Why mmPersonalLoans.com?

Created by customer supporters and credit professionals, mmPersonalLoans assists people in making better financial choices by offering free interactive resources, training, as well as impartial evaluations of high quality financial services and products provided by UnitedFinances.com. Credit influences numerous basic areas of our way of life. Even so, approximately 125 million people in America is unable to properly calculate their own credit ratings within fifty points, although that may be frequently the difference between getting accepted or rejected for credit or residence. mmPersonalLoans objective is to change this by means of supplying customers with helpful resources as well as data which let them successfully control their own credit profile with just as much consideration and caution as their investment portfolio.

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Business Loans – Alternative Business Financing

We provide business cash advances, completely unsecured up to $250,000! A business cash advance is a great alternative to traditional loans and small business financing options such as:

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  • Business Loan for Businesses with Bad Credit
  • Secured Business Financing

Our business cash advance is based on future sales. We facilitate success by providing cash in advance, quickly, without the formalities and strict requirements of a business loan offered by banks and other financing companies. Business loans require security (collateral), good credit and a long business history. New businesses and small businesses with bad credit may still qualify for an unsecured business cash advance loan.

Business Cash Advance Requirements

  • Your business is registered in the United States
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Business Cash Advance Vs. Small Business Loan.

Unlike traditional small business loan financing, with our business cash advance you are not fixed to a repayment schedule. If you have a slow period we take a smaller payment; working with the flow of your business. Additionally, unlike small business loans, our unsecured business loan alternative does not require collateral or a personal guarantee. We also do not require financials or tax returns. Our quick online application is simple and takes only a few minutes. Business loans require extensive paperwork and a lot of time. We can approve your business for an unsecured cash advance in less than 24 hours and have a working capital loan of up to $250,000 transferred to you in less than 1 week!

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Online advances are a wonderful help which may be used at any time during the day. The actual interest rates are a lot like the ones from money loan providers or consumer banking institutions. You can receive a far better interest rate if you have a good credit score or fiscal credentials. As the request is completed on the net, you will get a quick reply from the personal loan companies.

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Why choose Nifty Personal Loans?

Nifty Personal Loans has everything to meet your needs with loans ranging from $100 to $2,000.

We will not perform a credit check or a formal credit enquiry when you apply for $400 or below!

Apply for a loan with us and see why thousands of Australians trust Nifty Personal Loans. You can also read our reviews on Product Reviews and Word Of Mouth.

Generally a loan decision is granted within an hour of us receiving your complete application during normal business hours.

Applying with Nifty is easy. There’s no tiresome paperwork. Just jump on your computer or smartphone any time of the day.

Once your online contract is accepted we will immediately transfer the money to your bank. The latest you will receive the funds will be overnight providing you are approved before 4.30pm AEST .

Complete our quick and simple 5 minute application form.

Decision within the hour

We assess you application and provide you with an outcome, usually within 60 mins during normal business hours.

Step 3

Once approved, and your online contract is accepted, we will transfer the money to your bank.

How to qualify for a nifty personal loan

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account for at least 3 months.

You must have a personal contact number.

HERE’S HOW OUR SMALL PERSONAL LOANS WORK

HERE’S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

The Nifty Mission

To empower every Australian in need of small amount credit with the ability to access our quick personal loans. To process loan applications swiftly and to the complete satisfaction of our customers. To be open and frank about our fees and charges. To provide second-to-none service. Nifty exists for you. We don’t mind saying we’re a money lender. After all, that’s exactly what we do. Small, quick, affordable, short-term, bad credit, unsecured personal cash loans to every day Australians. We are an online provider of small personal loans. They’re unsecured personal loans (we don’t register an interest in your car or anything like that). They’re short term – as short as you need them to be, we don’t do credit checks either. We understand that speed is important to you. When a situation arises where you need to borrow money quickly, we get that and we deliver. For more information please see our personal loan repayment calculator. We also do emergency loan when you are in a tight spot.

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Shorttermsloans.com is not a lender outside of Fast money loansand does not provide short-term loans for non- Fast money loansresidents, but refers consumers to lenders who may provide such loans. Shorttermloans.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APR’s vary according to the information supplied by you in your loan request and the lender who accepts your request. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on in the loan request process.

Implications of Non-Payment and other Considerations

We would like to remind you that Shorttermloans.com is not a lender outside of Fast money loans and does not charge any fees for its referral services. Every lender in our network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. Shorttermloans.com cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Shorttermloans.com has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We only work with reputable lenders who are dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

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If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Shorttermloans.com is not a lender outside the state of Fast money loansand cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

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Shorttermloans.com does not make credit decisions nor do we conduct a credit inquiry on consumers seeking loans outside the State of Fast money loans. However, the lenders we refer non- Fast money loansconsumers to may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders may conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Short term loans are intended to be a short term financial instrument. We encourage all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a Cash Advance loan, we would recommend that you explore loan alternatives before applying for a short term or cash advance loan.

Except for loans we fund in Fast money loans, we do not engage in debt collection practices. Your lendersпїЅ collection practices will be disclosed to you in the loan documents provided to you by the lender. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We make reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.

Why Choose

Short Term Loans

  • Avoid costly late fees, overdraft fees, service cancellations
  • Bad/No Credit? No Problem!
  • Fast, friendly service

At Short Term Loans, L.L.C. we know that you can’t plan for everything. When unexpected expenses come up, we are here to help you through the rough spots with the cash you need until your next payday, or even longer.

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Apply in Person

Find a location to apply in person at one of our stores.

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Professional Advice Recommended: The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution for consumers facing long term debt and credit difficulties, and should not be used on a long-term basis. We recommended that you seek professional advice regarding your financial needs, including risks and alternatives to short term loans.

Disclaimer: We are a referral service to qualified participating lenders. We are not a lender loan broker or agent for any lender or loan broker outside of the State of Fast money loans. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited. This is not a solicitation for a particular loan. We do not control and are not responsible for the actions of any lender. We do not endorse or charge you for any service or product. You are under no obligation to use our Service to initiate contact with a lender, nor apply for credit or any loan product with any service provider or lender. You are under no obligation to accept any loan from a participating lender.

Credit Implications: We and our participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and to determine credit worthiness, credit standing and/or credit capacity. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

Guarantee: There is no guarantee that you will be accepted by one of our participating lenders. A lenderпїЅs cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and are regulated by state and local laws. In some circumstances, the lender may require a fax. For details, questions or concerns regarding your loan, please contact your lender directly.



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Web based fast loans are easy to repay, financing institutions can actually take the total amount borrowed from your account once you give them the approval. There are still quite a lot of uncertainties about the reliability of online fast loans. However, these simple on-line credits are generally completely low risk. Technology has expanded, therefore you should not fear that the private information you reveal will be leaked to others. Online business benefits mainly due to trust, particularly the finance companies. So it is their priority to offer security that one could safely make application for a fast loan by going online.

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