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Quick Decision Bad Credit Loans – Quick Decision Unsecured Loans – Quick Decision Loans

#quick loans bad credit

Welcome To Quick Decision Loans

Quick decision loans bring the relief for your all urgent need of cash. These loans are specially design for those who have an emergency and have no time to wait till their next payday.

These have a quick and convenient approval service and in these loans lenders do not take much time to approve your loan. These loans are providing for your all personal as medical bill, buying a car, buying a house etc. and professional purpose. Your bad credit could stop your approval because loan lenders have no problem with your bad credit history.

There is no need to do any documentation as collect your identity proof, age proof, income proof, papers of your home to give the security for the loan and then visit to several loan lenders for submitting these documents. These loans lenders do not want any security for approval of the loan. They want to know only your personal details as your name, age, address and your income.

These loans are approved for a short period but you can extend this period by paying an extra amount to the loan lenders. These are available online and their process is also done online, you need to fill only a simple online form provided at our website and loan lenders take quick decision for your approval and provide you money instantly.

Quick and Easy Cash? There s Nothing Easy About Payday Loans

#quick easy loans

Quick and Easy Cash?

What Are Payday Loans?

Payday loans are small, short-term loans with extremely high interest rates. The lender gives you cash and you either write a personal check payable to the lender for the amount you want to borrow, plus a fee, or you authorize an electronic withdrawal from your checking account on the due date. The loans are for short periods of time: one to four weeks.

Fees charged for payday loans are usually a percentage of the amount borrowed or so much for every $100 you borrow.

If you extend or roll-over the loan, you ll pay additional fees each time. The fee may not sound too bad, but studies show that interest rates on payday loans range from 390% to nearly 900% and that most lenders don t quote accurate interest rates .

How Do Payday Loans Work?

Let s say you want to borrow $300 until your next paycheck. You write a personal check to the lender for $345 (the $300 you borrowed plus a $45 fee). The lender gives you $300 and agrees to hold your check until your next payday or other agreed-upon date in the very near future.

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When that date arrives, either you redeem the check by paying the $345 in cash, or the lender deposits your original check. You may also roll over the check by paying a fee to extend the loan for another two weeks. If you don t have the money in your account to cover the check you wrote, you could incur bank fees for bounced checks.

These cash advance loans are a very expensive method of obtaining short-term credit. In the above example, the cost of the initial loan is a $45 finance charge for two weeks, the equivalent of $1,170 for a year, or 390 percent APR (annual percentage rate ). Even worse, many people find they re in no better financial shape when the loan becomes due than they were when they borrowed the money, and they get caught up in a vicious cycle of constantly taking out and extending payday loans, which becomes exorbitantly expensive. The lender counts on the fact that most people won t have the money to repay the loan plus the fee when they get their next paycheck, and will be forced to extend the loan for an additional fee, creating a snowball effect.

If I Need Cash Immediately. What Are the Alternatives to Payday Loans?

Payday loans are not the only way to get through a short-term cash crunch. Consider these better options suggested by the Federal Trade Commission (FTC) before choosing a payday loan or similar loan using a different name:

  • When you need credit, shop for it. Compare the Annual Percentage Rate (APR) and the finance charge. which includes any fees, and choose the offer with the lowest APR .
  • Consider a small loan from your credit union or bank.
  • Ask your employer for a pay advance.
  • Ask your family or a friend for a loan (not something I usually recommend, but a better alternative than payday loans).
  • Even a cash advance on your credit card may be a better alternative, although it will probably cost you more than the other options listed here.
  • Ask your creditors for more time to pay your bills, and find out what that will cost you in fees or interest.

How Can I Avoid the Need for Emergency Short-term Loans Like Payday Loans ?

  • Make a realistic budget, and figure your monthly expenditures. Avoid unnecessary purchases – even small items add up. Build some savings to avoid borrowing for emergencies or unplanned expenses, even if you can only put away small amounts. For example, by saving the amount of the fee that would be paid on five average $300 payday loans in a year, you could have an extra $300 dollars available to act as a buffer in short-term cash emergencies.
  • Talk to your bank about getting overdraft protection on your checking account to protect you from incurring fees for bounced checks.
  • If you find yourself having short-term cash problems on a regular basis, or if you need help developing a budget or paying off debt, make an appointment with a consumer credit counseling service .
  • If you decide you must use a payday loan, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the following payday.

Spending more than you earn is always a bad thing, and payday loans are a bad and expensive solution to money management problems. Payday loan companies take advantage of your need for cash and rake in billions of dollars a year in fees, at your expense.

Recommended Bad Credit Loans

#bad credit loans

Recommended Bad Credit Loans

We strongly suggest that you consider every possible option before considering a bad credit loan. The lenders that offer these loans can help you get through a difficult financial period that you may be experiencing. However, the vast majority of such loans come at a considerable expense. The money that you pay to get these types of loans is quite expensive. You can expect to pay between $10 and $25 per $100 that you borrow. This is among the most expensive loans available anywhere. If you have any other alternative, you should consider it before accepting a bad credit loan.

What s more, typically these loans have a very short repayment period. Usually, the repayment period for loans like these is less than one month. Sometimes, the lenders will require that the loans be repaid by your next payday. For most people that s often within a two week period. Having to pay $25 in order to borrow $100 might sound like a 25% rate of interest, but that s not the cash. Since the loans are due to be repaid in a short time-frame, the loans are actually a much higher annualized interest fee. In some extreme cases, the annualized interest can be several thousand percent! Again, if you have any other alternative you should consider it.

Traditional banks, like Wells Fargo for instance, are now offering payday loan alternatives. So you may want to look into one of those loans before considering one of these. They loans that are being offered by these traditional banks are essentially payday loans too, but the interest and fees that they are charging are lower than those at traditional online payday loan lenders.

The money that you obtain from a payday loan (also known as  signature loan) can be used for any reason whatsoever. We strongly suggest that you only take on such a loan to pay off debts that you have no other way of paying off. But again, this money is expensive, so more than likely, any other loan that you have outstanding is going to be less expensive than a payday loan is going to be.

So our recommendation would be that if you have no other choice and have to get a payday loan, you use it only for unexpected expenses that you have no other way of repaying. This could be (for example) unexpected medical bills, unexpected car repair expenses, etc. Other examples might include you having to pay your rent, mortgage, or utilities. If you have no other option, then you can (and maybe should) consider these bad credit loans.

Again, if you are unable to secure a traditional loan and you have exhaustive all other avenues to try to obtain financing, then you should consider one of these direct lender loans for people with bad credit. The money that you obtain from these types of loans is very expensive, but if you need cash now, these types of loans can help you get through a tough financial period. If you do get a payday loan, borrow as little as you can. This will allow you to pay as little in interest and fees as possible. Also, of course, make certain that you will have the wherewithal to repay the loan when it is due.

Repaying Your Student Loans

#student loans payment

Student Loan Repayment after Graduation, Leaving School, and Before Entering the Work Force

Time to Pay Up.

College students use several forms of financial aid to meet higher education expenses. Grants and scholarships are preferred, because money that is awarded for college does not require repayment. Landing merit scholarships usually requires exceptional performance in academics, athletics or leadership activities. Grants, on the other hand, are need-based, so financial considerations are the primary qualifiers for receiving aid. Gift-aid, in either form, reduces students borrowing requirements for college, but most still utilize student loans to cover all the bases.

Public and private loan programs serve vital roles for university, community college, and graduate school students, but repayment is a condition of borrowing. Your Master Promissory Note forges a legal agreement between you and your lender, which establishes your commitment to pay the money back with interest.

Each student loan program carries its own unique eligibility requirements and repayment conditions. Government-backed loans provide the best interest rates, and offer the greatest flexibility for repayment. Private loans are harder to get, because formal credit checks are required, but even bank loans provide flexible payment alternatives. Consider these options for managing and repaying student debt:

Repaying Your Federal Loans

Federal Direct and Stafford Loans are packaged with grace periods that last for six months after borrowers leave school. The six months cushion following college graduation provides a transition window to the workforce. Even if you don t graduate, your clock starts ticking when you leave school.

Perkins Loans are special loans issued under the William D. Ford Federal Direct Loan umbrella, which are reserved for the neediest applicants. Perkins Loan repayment does not begin until 9 months after graduation, provided the program participant was enrolled in school full-time preceding repayment.

Depending on the repayment plan selected, repayment terms stretch between 10 and 25 years. Additional distinctions are made between Subsidized and Unsubsidized Direct Loans. Interest on subsidized federal student loans is paid by the U.S. Government during certain periods over the life of the loan. Unsubsidized Stafford Loan interest payments are due within 60 days of the loan disbursement. Many student borrowers opt to defer these payments, by adding interest to the loan principal, to be repaid at a later date.

PLUS Loans for Parents and Graduate Students

Parents and graduate students who borrow PLUS Loans do not enjoy automatic grace periods following school. Repayment of principal and interest begins within 60 days of the final loan disbursement. Parent PLUS borrowers, who are students themselves, qualify for six-month deferment of PLUS repayment. In addition, parents who borrowed for dependents education after 2008 are eligible to defer repayment until six-months after the student leaves school.

Avoid Default at All Costs

Student loan default carries consequences that are hard to shake, so every effort should be made to avoid falling behind on repayment. Government loan repayment allows for several strategies; each tailored to help students stay current with payments. When borrowers hold more than one federal student loan, they are eligible to consolidate them under the Direct Consolidation Loan Program. Better interest rates, and affordably structured payments result from consolidation, because repayment terms are extended. Smaller monthly payments keep financially challenged participants on-track, but with extended repayment, more interest is paid over the course of the loan term.

Federal loan repayment options provide affordable repayment solutions within your budget:

Several repayment options are available to facilitate timely payments from student borrowers. Payment options include a new method called Pay as You Earn . Parents who borrow for their dependents education are not eligible for this option, but graduate students borrowing independently qualify. Pay as You Earn provides a viable alternative for students who are going through financial difficulties, but expect their repayment ability to improve. Other payment plans include:

  • Standard This 10-year repayment option allows for consistent, fixed monthly payments of at least $50 each.
  • Graduated Another 10-year repayment plan; this option starts with lower payments, which rise as graduates become financial established. As payments progress, they are adjusted upwards every two-years, until the debt is paid.
  • Extended – Repayment terms extend as long as 25 years for this repayment approach. More interest is paid, but smaller payments allow borrowers to stay current on payments and avoid default.
  • Income-Based Repayment – Earnings-based monthly payments represent a maximum of 15% of a borrowers income. Repayment can take as long as 25 years, during which monthly payments change regularly.

Repaying Private Loans

Student loan default is not an option under any circumstances, but failing to pay a commercial loan has far-reaching implications. Most college students require cosigners to secure private loans. so when payments are not made on time, it is not just the student who suffers. Cosigners who add their positive credit histories to student loans are subject to the same penalties as the students who borrow.

Like the Department of Education. private lenders want you to pay on-time, so they are willing to structure payment plans that work within your ability to pay. Always be proactive with your lender, so accommodations can be made – before credit sanctions set in. Once you default, it is hard to wipe the blemish from your record.

Student Loan Deferment and Forbearance

Some circumstances set the stage for temporary suspension of your student loan repayments. Deferment and forbearance delay payments until a later date, and depending on loan terms, the government might pay your interest in the meantime. Subsidized Loans and Perkins Loans qualify for government interest payments.

Student loan deferments are not automatic; most require borrowers to apply through their loan servicers. In addition; especially for Perkins program participants, students seeking deferments request them through campus financial aid offices.

Special circumstances allow students to utilize forbearance to stay on top of college debt. Illness and severe financial hardship qualify for temporary suspension or reduction of student loan payments. For up to twelve months, students are forgiven payments, but interest accrues throughout the forbearance period. Even subsidized loans are subject to capitalized interest during forbearance.

Mandatory forbearance creates automatic payment suspensions for certain students like those serving medical or dental internships or residencies. Students whose monthly payment is more than 20% of their gross monthly income also qualify.

Refund Anticipation Loans (RALs) Common Questions

#tax loan

Refund Anticipation Loans (RALs) (En Espa ol )

A Refund Anticipation Loan (RAL) is a loan made by a lender that is based on and usually repaid by an anticipated federal income tax refund. They are offered starting in January through the end of the tax season in April. Taxpayers are generally charged fees and interest to obtain a RAL. Just like any other loan, the full amount of the RAL must be repaid even if the refund is lower than the amount anticipated because items like unpaid child support or traffic tickets can often be deducted before the refund is sent.

  • What are alternatives to RALs?

    Here are some ways to avoid the high costs and risks of RALs and get your tax refund back quickly at the same time:

    • E-file and request direct deposit When a taxpayer e-files, they can request the IRS and the state to electronically deposit the refund directly into their personal checking or savings account. It typically takes less than 21 calendar days for the IRS and less than 10 calendar days for the state to process and electronically deposit a refund.
    • Open a bank account A taxpayer should open a checking or savings account so their refund can be electronically deposited and available for immediate use. Many banks and credit unions will set-up an account for free. If a person chooses to use a check-cashing store, you will be charged fees to cash a check ($50 on average).
    • Visit a free tax preparation site (commonly referred to as VITA or TCE) Trained volunteers will prepare an individual s tax return for free. Plus, many sites will file the return electronically to speed up the refund. To find a VITA or TCE site, call (800) 829-1040 or dial “211”.
  • How does the RAL process work?

    When a taxpayer receives a RAL, the tax preparer lends the taxpayer the amount of their tax refund less the cost of interest and fees for the loan. When the government sends the actual refund check, it is directly deposited into the bank that made the loan. If the refund is smaller than anticipated due to deductions for items like unpaid child support or traffic tickets, the full amount of the loan must still be repaid.

    The cost of a RAL can vary widely and consumers should understand all the costs associated with this type of loan. RALs often carry extremely high interest rates. In addition, there are often other charges like electronic filing fees, application fees and a fee to cash the loan check. When all the costs of an RAL are added up, taxpayers can be spending more than 10% of their refund just to get the money a few days sooner.

  • What should I ask if I am considering a RAL?

    Taxpayers should be sure to read the fine print and ask a lot of questions before signing up for a RAL. Remember that most taxpayers who file electronically receive their refunds in less than 21 days. Paying the costs associated with a RAL could be a large price to pay for getting your money a few days quicker. Before deciding on a RAL, make sure you know the answers to the following questions:

    • What is the interest rate?
    • What fees are you being charged?
    • What happens if your tax refund is less than you thought it would be?
  • Who offers RALs?

    Businesses that prepare and file an individual’s tax return typically offer RALs. This could include a tax preparation business, car dealership, furniture store, or check casher.

  • What is a creditor who provides RALs required to disclose in writing?
    • Any charges or fees for electronically filing the tax return.
    • The total dollar amount of all charges and fees.
    • The estimated annual percentage rate of the loan.
    • That the customer is responsible for repayment of the loan and the loan fees even if the tax refund is not paid or is paid in a lower amount than was anticipated.
    • The expected length of time by which the customer will receive the loan proceeds.
    • That the customer’s tax return can be e-filed without obtaining a refund anticipation loan.
    • The anticipated length of time within which customers could expect to receive their refund if their tax return was e-filed, and the customer does not request a refund anticipation loan.

    Contact Information:

    • Wisconsin Department of Revenue: (608) 266-2772
    • VITA locations: (800) 829-1040 (IRS sponsored sites) and (888) 227-7669 (AARP sponsored sites)


    Refinance Your Medical School Loans At A Lower Rate

    #student loan consolidation rates

    Refinance Your Medical School Loans At A Lower Rate

    October 21, 2013

    [Update:Although I didn t have a financial relationship with either of these companies when this article was written, I do now. DRB has paid me for advertising and I have an affiliate agreement with SoFi (meaning if you actually refinance with them through one of the links on this page I get paid.)]

    One of the things I feel the worst about for current students, residents, and new attendings is that not only do they have a much higher amount of student loan debt, but they are paying a ridiculously high amount on it.  Federal loans were, until recently, offered at a minimum of 6.8%, with many students now having a majority of their debt at 7.9%!  I find it completely unfair that I can get a mortgage for less than the rate of inflation, and dump it in the case of bankruptcy, but you can t get student loans from the government for twice that AND they can t be discharged in bankruptcy.  Thankfully, Congress and the President have provided a little bit of relief with a bill this summer that tied interest rates to treasury rates.  So now, instead of 6.8%, you re paying 3.6% plus the 10 year treasury rate at the time the loan is made (with a cap at 9.5%), which is currently a total of 5.41%.  Direct PLUS loans are down from 7.9% to 6.41% (4.6% plus the 10 year treasury rate.)

    Refinancing Issues

    Perhaps the biggest difference between coming out of school a decade ago like me and coming out now, however, is the issue with refinancing.  My classmates refinanced their student loans at rates as low as 0.9% after graduation in 2003.  That s about as close to free money as you ll ever get.  Now, if you want to refinance your government loans, they simply take an average of all your loan rates.  It s nice to consolidate I suppose, but it doesn t save you any interest .until now.

    Social Finance

    There are currently two options available (and hopefully many more to come) where students can actually refinance their student loans at a lower interest rate.  The first of these is a company called Social Finance (SoFi).

    This is actually a peer to peer lending company, not that dissimilar from Lending Club or Prosper .  They are currently loaning money to students who graduated from or are currently attending 100 schools. including my  undergraduate institution and my medical school.  The reason there are only 100 schools is that they require either alumni or institutional support for a school before they will loan there.  Currently they have only lent money to 1900 students, but I m sure that number will grow. Rates range from 4.99%-6.99% fixed (with a 0.25% discount for autopayment), or 2.94-5.19% (capped at 8.25%) variable, again with a discount for autopayment.

    I think this is a great option for a borrower.  You get lower rates than you get from the government.  It s beyond me why an investor would be interested.  When I go shopping for peer to peer lending investments, I expect a double digit return. and there s no way to get that when your yields are under 7%, especially if there are some defaults.

    Darien Rowayton Bank

    I was approached recently by another option, the Darien Rowayton Bank (DRB), who sponsored last month s newsletter (although I received no compensation for mentioning them in this post-feel free to call them and tell them to buy a banner ad on the site).  [Update: DRB has now purchased a banner ad that ll run during November.] They ll refinance your loans from any institution.  These two companies have also been in a bit of a rate war as of late, and DRB has fixed rates of 4.75-5.75% and variable rates currently set at 2.76-3.01%.  That looks awfully attractive compared to the 7.9% the government is giving you.  As of this posting, DRB s rates are at least 0.25% less than what you can get from SOFI (assuming you went to an institution where your loans quality with SOFI).  DRB also likes to point out that they have a single rate for each term (5-15 years) whereas you have to go through the SOFI application process before you can actually find out your exact rate.  The biggest benefit of using DRB over SOFI (aside from the lower rate) is that you didn t have to attend a SOFI-approved institution.

    Reasons Not To Refinance

    Remember that when you refinance your loans, they are no longer eligible for the IBR or the PSLF program, and that like other student loans, SoFi and DRB loans don t go away in bankruptcy.  You also probably don t want to refinance subsidized loans from undergraduate, if you have any, since that subsidization will go away.  Since undergraduate loans are generally at a much lower rate anyway, that s not really an issue.

    The Mortgage Option

    My favorite student loan refinancing option involves a mortgage.  If you can somehow turn a high-interest, non-dischargeable in bankruptcy, non-deductible (for most docs) student loan into a low-interest, dischargeable, deductible mortgage or home equity loan, that s a great deal.  Unfortunately, those who have big fat student loans don t generally have any home equity, and by the time you get some, the student loan situation isn t so bad.

    I hope to see more competition in this financial marketplace, but it s possible that both of these companies will just go away.  Neither of them is exactly a household name.  You might want to jump on one of these options before it s too late.  It isn t like you can t refinance again later.

    What do you think?  Have you refinanced your student loans?  How?  Did you use SoFi or DRB ?  Are you happy with it?  Comment below!

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    1 Hour Loans- Get Bad Credit Short Term Same Day Cash Today

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    From the offered range of loan services the loan seeker can independently choose loans considering prevailing demands. Application hassles are much less here which in turn helps in settling the loan money in no time.

    Loan providers here focus on fulfilling the short term needs of the crisis stricken borrower. You are advised here to read the fine print of loan details before signing in the loan agreement. This is because once submitted the loan application cannot amended further by the borrower. It would be better for you to determine whether or not you can afford such funds beforehand.

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    You must go through well the renewal policy where the underlying conditions to renew the loan agreement have been mentioned. Notably loan extensions, rollovers and renewals are possible only with additional payment of fees and interests. If you are double minded about repaying loans, then you must consult the lender directly. In such matters, the lender may freeze fee and interest imposed on you and may permit you to refund with accrued additional fees and interests.

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    1K-$10K Unsecured Personal Signature Loans – Bad Credit in Chicago, IL

    #personal loans for bad credit

    $1K-$10K Unsecured Personal Signature Loans Bad Credit in Chicago, IL

    We are doing a four set publication on unsecured personal loans for applicants who have bad credit, and all live in the greater Chicago area of Illinois. Because of the unique separation of neighborhoods and areas in Chicago, we can break down the service areas of all lenders involved in these loans, and the borrowers who applied for the notes.

    By using the Kennedy Expressway (Interstate 90/94) and Highway 41, running along Lake Michigan we can cordon off the lending service area we used in the $2500 unsecured loan which was borrowed over a three month term. Then, stretching out from Chicago, we can take another section South of the Kennedy Expressway, and North of Dwight D. Eisenhower Expressway (Interstate 290) where we chose a borrower s transaction in the Oak Park area of Chicago. As you can see by the table this borrower borrowed $5500 for a six month term.

    Then we simply move on to the third applicant who borrowed $6000 in unsecured cash for a nine month term, coming from another cordoned off area of greater Chicago, between Dwight D. Eisenhower Expressway and Interstate 55 (Stevenson Expressway). For the fourth loan we moved to a borrower in the Tinley Park and Orland Park of South Chicago. This is a vast area of lending activity all stretching from the Chicago Midway International Airport, down and through to the Lake Michigan West shore and the Western border of Indiana, which includes Calumet City, Hammond, Lansing, Park Forest, Harvey, and Tinley Park.

    The numerous lenders for these areas of Chicago are very busy considering different loan applications and different customers for inclusion in their lending programs, and are constantly evaluating the viability of lending money to people who have bad credit. They have to take into account the applicant s employment, DTI, FICO score, and recent credit history. None of these loans are payday loans they are all unsecured personal loans under $10,000, and all of these applicants were approved for funding and were funded within two weeks of applying. Every one of these applicants used our pre-application process to find lenders in the Chicago area who do business with customers who have poor credit scores.

    As with all of our city-based lending publications, we have endeavored to present lenders and borrowers from all areas surrounding Chicago, and also included is a lender/borrower transaction that took place right near the downtown Chicago area.

    We have used the same imagery as in previous publications to show the general area in which the borrower is living. We have protected each borrower s identity, and we only use information garnished with permission from all lenders and borrowers involved in the following loans. We have kept the increment of $500 in loan amounts for the different service areas. Each table shows what the average mean loan amounts approved by the lender mentioned in the approved loan we used respectively.

    $2500 Bad Credit Unsecured Personal Signature Loan in Downtown Chicago

    Our first loan is for $2500 and it was an unsecured cash loan that was applied for by a 28 year old man living in the Oakwood Apartments on W. Huron St. in Chicago. He is sharing rent with three other roommates who all work in downtown Chicago and commute from Madison, Rockford, and Davenport Illinois.

    This particular borrower grew up in Joliet and is an engineer currently working for a company that has its main offices located not far from Printer s Row. He needed to borrow $2500 for a family emergency which he didn t fully disclose in his pre-application, and we should add that it is not necessary to provide absolute detail on the purpose of a loan . because most of these loans would have to be considered all purpose loans.

    All of this customer s personal accounts are with the Chicago Community Bank on W. Jackson Blvd. and his accounts have been with this bank for over five years. When he applied to get his Visa card limit raised he was declined, and he didn t have any kind of option in regards to a home-equity loan because he didn t have any property in his name at the time of application.

    So after he was declined by his bank he tried the Amalgamated Bank of Chicago to see if he could get a line of credit, a new credit card, or perhaps a personal loan. This endeavor proved to be a failure as well, and he was at that point considering asking a friend, colleague, or family member for a low interest loan. He decided to keep on trucking, and tried applying with the First Merit Bank on N. Clark St. also in downtown Chicago.

    After all three of these attempts failed (getting approved for a small credit amount of $2500) he decided to try finding lenders who specifically lend money to people who have bad credit lenders that specialize in lending money to people who have really bad credit scores, and have reasonable interest rates for consumers who are trying to start over and rebuild their credit. Most of what he found on the Internet was half-baked predatory lending institutions who prey on the unfortunate minority (and growing) who have somehow ended up in a tight financial situation.

    The first loan that we have discussed here in downtown Chicago, was finalized with an APR of 11.72%, with the lender getting repaid a total amount of $2548.82 over a three month term. The final payment on the loan was $34.41, and the total interest made by the lender was a paltry $48.80. As with most lenders, the lender in this example works on high volumes in order to create as much profit as possible, and their focus of clientele is mostly based in the North Chicago area, stretching from downtown, and all the way up through Ravenswood Gardens, Wildwood, Lincolnwood, Evanston, Glenview, Mount Prospect, Wilmette, Northfield, Northbrook, Buffalo Grove, Barrington, Arlington Heights, Prospect Heights, McHenry, and Crystal Lake.