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Need an unsecured, personal loan in Nigeria? Start here, Money, need a loan.#Need #a #loan


Need an unsecured, personal loan in Nigeria? Start here.

January is notorious for being a financially difficult month (except for those in the business of education). The christmas festivities, the loooong wait until the end of the month for salary payments and for parents, the demand for school fees at the beginning of the month make January a difficult one financially for a lot of people. Luckily, for salaried and self-employed workers, there are financial organisations whose job it is to lend a helping hand in these difficult times with no request for collateral, and I have compiled a list of some these. While most of these organisations cater for Lagos-based workers, there are some who will accept workers from other parts of the country.

When borrowing money, there are a few rules to follow to avoid getting into unmanageable debt:

  • Budget. Base your borrowing on what you can comfortably afford to repay each month.
  • Borrow as little as possible.
  • Borrow for as short a term as possible. While it can be tempting for longer terms on loan repayments, it is important to note that ultimately, these cost more in the long term. Borrow N200,000 over a 3 month period and you ll have to repay ‎₦239,147 (‎₦79,715 monthly). The same amount over a 12 month period will cost ‎₦343,650 (‎₦28,637 monthly) 170% of the original loan amount, and a difference of ‎₦104,503!

It is always good idea to check with lenders that they allow early repayments, and also to confirm their terms for doing so. Some lenders might charge you more to repay the balance on your loan early, especially if you are close to the end of the loan term, therefore it is important to check from the onset.

Renmoney is a consumer finance organisation which operates from 89 Awolowo road, Ikoyi, Lagos. They offer cash loans to Lagos-based salaried workers in (proof required) for variable payment terms as little as 3 months.They operate a very simple website which allows you calculate your repayments against your desired loan amount and payment terms. They promise to pay within 24 hours of verifying documents, as long as the applicant is in a regular job and can provide proof of income.

Need a loan

Eligibility Requirements

  • Be between ages 22 – 55 years.
  • 1 Passport photograph
  • Utility bill
  • Live and/or work in any part of Lagos.
  • Have a secure job paying at least ₦50,000 monthly, into a bank account.
  • Must have a verifiable place/terms of employment.
  • Have a functional current account with a BVN number. You will be asked for a 6 month history of bank statements.
  • Have valid means of identification – International Passport, Driver’s License, National ID Card.

You will find a full list of requirements here.

How To Apply

  • There are three ways:
    • 1. Go to the Apply now section of the website
    • 2. Call their contact center lines 0700RENMONEY (0700 73666639)
    • 3. Visit the closest RenMoney branch to you

Office Address and Contact details

Head Office: 89, Awolowo Road, Ikoyi, Lagos, Nigeria.

Surlier: Adeniran Ogunsanya Street, Surulere.

Opebi: Pentagon Plaza, 23 Opebi road, Ikeja.

Lagos Island 50 52, Broad Street, Lagos in CSS Bookshop HouseApapa: No. 13, Park Lane, Apapa.

Direct Bridge is a consumer finance company operating in Nigeria and focusing on short-term consumer loans between ₦50,000 and ₦500,000 (depending on income) to low to middle class income earners. Loan terms are variable, between 3 and 9 months.

  • Must be in employment (paid or self-employed).
  • Must maintain a bank account not less than six months old.
  • Must have a verifiable monthly income
  • Must possess a valid means of identification
  • You must work and reside in Lagos
  • You must not have a history of returned cheques in your account

Salaried workers will need:

  • Valid means of identification (International Passport, Driver s Licenseor National ID)
  • 1 passport photograph
  • Bank statement endorsed by your bank (6 months preceding date of application)
  • A signed direct debit mandate.
  • Your pension statement.
  • Tax id

If you re self-employed,

  • Valid means of Identification (International Passport, Driver s License or National ID)
  • Certificate of Business Registration.
  • 1 passport photograph
  • Business Bank statement endorsed by your bank (6 months preceding date of application)
  • A signed Direct Debit mandate or Post Dated Cheques on business account
  • Tax details
  • A guarantor must be a banker. The guarantor will provide the following:
  • Last 3 months statement of account
  • Work ID
  • Passport photograph
  • A duly completed Guarantor Form
  • Post-dated cheques for the duration

You will need to fill out an application form, (downloadable here) and take to their office with the supporting documents from the list above. If approved, they promise to credit your account within 24 hours.

703C Thomas Adeboye Drive Off Somide Odujinrin Avenue

Phone: 07064300703, 01-3424798

Salary Advance NG is a product of the Addosser Microfinance bank, which provides funding solutions designed to bridge the funding gap for Lagos-based, full-time employees for personal needs. They are able to provide between ‎₦100,000 and ‎₦2,000,000 to customers for up to 12 months. Their easy-to-navigate website helps customers calculate loan repayment options against varying periods and amounts, to access affordability before even speaking to anyone on the phone. This provider requires a guarantor, who is required to be a work colleague with an income bracket above that of the applicant.

  • Live and be employed in Lagos State
  • Be a confirmed staff of a reputable company
  • Have a verified monthly income paid into a current account with a commercial Bank in Nigeria
  • Not have a history of returned cheques in your statement of account

Applicants will require the following documents:

  • Most recent bank statement showing last 6 months salary payments (must be stamped/endorsed by the bank)
  • Copy of your employment confirmation letter or recent promotion/salary increase letter
  • NUBAN-compliant postdated cheques from salary account
  • 1 x Recent Passport photograph
  • Photocopy of your staff ID card
  • Completed guarantor’s form
  • Guarantor’s Passport Photograph, post-dated cheque (not required for loans under N250,000) and Photocopy of staff ID card

You will need to print and fill out this form, attach the supporting documents take to the one of their offices.


Need an unsecured, personal loan in Nigeria? Start here, Money, need a loan.#Need #a #loan


Need an unsecured, personal loan in Nigeria? Start here.

January is notorious for being a financially difficult month (except for those in the business of education). The christmas festivities, the loooong wait until the end of the month for salary payments and for parents, the demand for school fees at the beginning of the month make January a difficult one financially for a lot of people. Luckily, for salaried and self-employed workers, there are financial organisations whose job it is to lend a helping hand in these difficult times with no request for collateral, and I have compiled a list of some these. While most of these organisations cater for Lagos-based workers, there are some who will accept workers from other parts of the country.

When borrowing money, there are a few rules to follow to avoid getting into unmanageable debt:

  • Budget. Base your borrowing on what you can comfortably afford to repay each month.
  • Borrow as little as possible.
  • Borrow for as short a term as possible. While it can be tempting for longer terms on loan repayments, it is important to note that ultimately, these cost more in the long term. Borrow N200,000 over a 3 month period and you ll have to repay ‎₦239,147 (‎₦79,715 monthly). The same amount over a 12 month period will cost ‎₦343,650 (‎₦28,637 monthly) 170% of the original loan amount, and a difference of ‎₦104,503!

It is always good idea to check with lenders that they allow early repayments, and also to confirm their terms for doing so. Some lenders might charge you more to repay the balance on your loan early, especially if you are close to the end of the loan term, therefore it is important to check from the onset.

Renmoney is a consumer finance organisation which operates from 89 Awolowo road, Ikoyi, Lagos. They offer cash loans to Lagos-based salaried workers in (proof required) for variable payment terms as little as 3 months.They operate a very simple website which allows you calculate your repayments against your desired loan amount and payment terms. They promise to pay within 24 hours of verifying documents, as long as the applicant is in a regular job and can provide proof of income.

Need a loan

Eligibility Requirements

  • Be between ages 22 – 55 years.
  • 1 Passport photograph
  • Utility bill
  • Live and/or work in any part of Lagos.
  • Have a secure job paying at least ₦50,000 monthly, into a bank account.
  • Must have a verifiable place/terms of employment.
  • Have a functional current account with a BVN number. You will be asked for a 6 month history of bank statements.
  • Have valid means of identification – International Passport, Driver’s License, National ID Card.

You will find a full list of requirements here.

How To Apply

  • There are three ways:
    • 1. Go to the Apply now section of the website
    • 2. Call their contact center lines 0700RENMONEY (0700 73666639)
    • 3. Visit the closest RenMoney branch to you

Office Address and Contact details

Head Office: 89, Awolowo Road, Ikoyi, Lagos, Nigeria.

Surlier: Adeniran Ogunsanya Street, Surulere.

Opebi: Pentagon Plaza, 23 Opebi road, Ikeja.

Lagos Island 50 52, Broad Street, Lagos in CSS Bookshop HouseApapa: No. 13, Park Lane, Apapa.

Direct Bridge is a consumer finance company operating in Nigeria and focusing on short-term consumer loans between ₦50,000 and ₦500,000 (depending on income) to low to middle class income earners. Loan terms are variable, between 3 and 9 months.

  • Must be in employment (paid or self-employed).
  • Must maintain a bank account not less than six months old.
  • Must have a verifiable monthly income
  • Must possess a valid means of identification
  • You must work and reside in Lagos
  • You must not have a history of returned cheques in your account

Salaried workers will need:

  • Valid means of identification (International Passport, Driver s Licenseor National ID)
  • 1 passport photograph
  • Bank statement endorsed by your bank (6 months preceding date of application)
  • A signed direct debit mandate.
  • Your pension statement.
  • Tax id

If you re self-employed,

  • Valid means of Identification (International Passport, Driver s License or National ID)
  • Certificate of Business Registration.
  • 1 passport photograph
  • Business Bank statement endorsed by your bank (6 months preceding date of application)
  • A signed Direct Debit mandate or Post Dated Cheques on business account
  • Tax details
  • A guarantor must be a banker. The guarantor will provide the following:
  • Last 3 months statement of account
  • Work ID
  • Passport photograph
  • A duly completed Guarantor Form
  • Post-dated cheques for the duration

You will need to fill out an application form, (downloadable here) and take to their office with the supporting documents from the list above. If approved, they promise to credit your account within 24 hours.

703C Thomas Adeboye Drive Off Somide Odujinrin Avenue

Phone: 07064300703, 01-3424798

Salary Advance NG is a product of the Addosser Microfinance bank, which provides funding solutions designed to bridge the funding gap for Lagos-based, full-time employees for personal needs. They are able to provide between ‎₦100,000 and ‎₦2,000,000 to customers for up to 12 months. Their easy-to-navigate website helps customers calculate loan repayment options against varying periods and amounts, to access affordability before even speaking to anyone on the phone. This provider requires a guarantor, who is required to be a work colleague with an income bracket above that of the applicant.

  • Live and be employed in Lagos State
  • Be a confirmed staff of a reputable company
  • Have a verified monthly income paid into a current account with a commercial Bank in Nigeria
  • Not have a history of returned cheques in your statement of account

Applicants will require the following documents:

  • Most recent bank statement showing last 6 months salary payments (must be stamped/endorsed by the bank)
  • Copy of your employment confirmation letter or recent promotion/salary increase letter
  • NUBAN-compliant postdated cheques from salary account
  • 1 x Recent Passport photograph
  • Photocopy of your staff ID card
  • Completed guarantor’s form
  • Guarantor’s Passport Photograph, post-dated cheque (not required for loans under N250,000) and Photocopy of staff ID card

You will need to print and fill out this form, attach the supporting documents take to the one of their offices.


Need Cash Now- Urgent Payday Loans- I Need A Loan Today, need a loan.#Need #a #loan


Welcome to Need Cash Now

Are you finding it difficult to take care of an unexpected expense because of a shortfall in cash? Need some cash help to overcome the financial crisis? If yes, you have reached the right place! We at Need Cash Now will help you find a multitude of short term loan offers that will provide you with the much needed cash help in a very short period of time. Apply with Need Cash Now and benefit from our free services right away!

Need a loan

To receive cash assistance of ВЈ100-ВЈ1500 for a short time span of 2-4 weeks, you can apply for need cash. However, if you wish to receive the loan amount in a day or may be in few hours, same day cash loans would be an appropriate option for you. Take care of any of your financial needs before your next payday by simply applying with us at Need Cash Now for payday advance today.

Need a loan

Individuals facing bad credit issues can also apply at our site for loan today! So even if you are having any credit issues, don’t hesitate to apply at Need Cash Now!

The application process for urgent loans is very simple! You only need to fill our online application form with some relevant details and submit it! We will take care of the rest! We will match your requirements with the available offers and display them on the site for you to choose from! There will be absolutely no fees charged to you. Apply at Need Cash Now and get a quick decision!

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Representative Example:

You Borrow —£100 You Pay —£124 Representative APR 1223.6% (Variable).

Consumer Credit Licence Number: 0642246. Mailing Address: Flat 12, Maplehurst , 45 Park Hill Road , Bromley, BR2 0XG.

PLEASE READ TERMS & CONDITIONS OF LENDERS OR BROKERS BEFORE PAYING ANY UPFRONT FEES

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in UK. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.


Online Payday Loans, Get Cash Now, i need a loan now.#I #need #a #loan #now


Customer Login

At Cash Now online payday loans are available to customers at the click of a mouse. Whether there is an emergency situation or you just need some extra cash now and cannot wait until your next payday, an online payday loan can be a good solution for you. Signing up and requesting to be connected with an online payday lender is fast, easy and painless. Getting approved typically happens in less than 10 minutes, allowing you to withdraw your cash from your checking account as soon as the next business day.

We can connect you with a lender even if your have bad credit so customers with bad credit are welcome to submit a loan request. Cash Now is the premier provider of online payday loans to US residents.

Real Cash Now Customers

I need a loan nowEarlier this year I faced some financial trouble and needed some cash. There was no way I could wait until my next payday check and Cash Now was there for my online payday loan. Thank You Cash Now!!

Sandra W North Carolina

I need a loan nowAfter visiting several online payday loan websites, I finally found Cash Now. The payday loan request was so simple and easy! I received $500 in my checking account the exact same day.

George A Maryland

APR – Representative Range Explanation

The annual percentage rate (APR) is the annualized interest rate that you are charged on a cash loan. Cash Now does not function as a lender and does not provide cash loans to consumers, but it does refer people to skilled lenders who may provide such loans. Cash Now never charges any fees for this service. Since it is not a lender, Cash Now cannot supply you with the specific APR that your lender will attach to your loan. Understand that APRs can vary based on the information that you supply in your cash loan request, as well as the information that your lender supplies to you.

Your lender will give information on the APR, finance charges and other applicable loan terms to you at the point when you get redirected to your loan agreement during the loan request process. If you require assistance with Cash Now–related services of any sort, you may contact us at [email protected]

A cash loan’s APR can range from 240 percent to 2,340 percent, with the specific figure depending on how the rate is calculated and additional variables such as the duration of the loan, any fees that are incurred (late fees, nonpayment, etc.), and loan renewal specifics. Be aware of the fact that the APR range is different from your finance charge. Your lender will disclose the finance charge later on in the loan request process.

I need a loan now

YOU CAN BORROW $500 FOR 14 DAYS WITH A $40-$80 LENDER CHARGE. YOUR ESTIMATED APR WILL BE BETWEEN 208 AND 417 PERCENT.*

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $500) * (365 days / 14 days) x 100 = 208.57 percent High End Calculation: ($80 / $500) * (365 days / 14 days) x 100 = 417.14 percent

Important Implications to Consider

Here at Cash Now, we only work with lenders who make it a standard practice to supply customers with complete, detailed information on loan terms and conditions prior to those customers’ accepting a specific loan offer. It is advisable for you to always closely and carefully examine the terms of any loan offer that you receive. If you would like to see further details regarding the aforementioned considerations, see our Rates Fees section on this website.

Financial implications (Interest and finance charges)

Should you receive approval for a cash loan, your lender will let you know about the specific interest rate and fees that are attached to the loan before you proceed with formally accepting their offer. As previously noted, Cash Now is not a lender, and because of this, it cannot predict the interest and fees that will be part of your loan offer. Please keep in mind that under no circumstances whatsoever are you ever obligated to accept any offer that you may receive.

Implications of non-payment

When you accept a particular loan offer’s terms and conditions, you are formally agreeing to pay back the loan principal amount and finance charges in the period of time specified in your loan documents. Additional charges may apply if you are not able to pay back your loan completely or if you make a payment that is late. Cash Now is unable to predict the fees or charges that you will incur due to partial payment, nonpayment or late payment. Furthermore, Cash Now has no control at all over knowledge of the loan details between your lender and you.

Be sure to refer to the late payment, partial payment and nonpayment policies you will find detailed in the loan documents that come from your lender. Cash Now’s strict policy is to only partner with trustworthy and reputable lenders who pursue collections of delinquent accounts in a completely fair and reasonable manner.

Potential impact to credit score

Here at Cash Now, it is our policy to never get involved with making credit decisions or perform credit inquiries on potential borrowers. Some of our associated lenders, however, may choose to perform a nontraditional credit inquiry so they can determine if you are eligible for loan assistance. Typically, these lenders will not perform a credit check with any of the large U.S. credit reporting agencies (Equifax, Experian and TransUnion).

Be aware that in the end, there is a chance that your credit score could be impacted by the actions of a particular lender. Should you fail to repay your loan on or before the specified due date, the lender may decide to report the delinquency to one or more of the aforementioned credit reporting agencies, possibly leading to your credit score being adversely affected. We encourage consumers with credit problems to contact a skilled credit counselor.

Collection Practices

Once again, Cash Now is not a lender, nor does it engage in debt collection activities. You will find in your lender’s loan documents information regarding their debt collection practices. Should you find that you are unsure of the collection practices that a particular lender uses, we advise you to discuss the matter with that lender. Cash Now only works with reputable lenders who are committed to pursuing collections of delinquent accounts in a fair, reasonable way.

LOAN RENEWAL POLICIES

Before you accept a loan offer, the lender will offer you loan renewal options. Make sure you carefully examine their renewal policy prior to signing any loan documents. Please be aware that, to a great extent, state regulations govern renewal policies.

The intention is for cash loans to be used only as a short-term financial instrument. At Cash Now, we strongly advise all borrowers to pay back their loan in full and on or before the due date in order to avoid nonpayment and/or late fees. If you are of the belief that you may have trouble paying off a cash loan after borrowing it, we recommend that you explore different loan alternatives before you apply for a loan via this website.

Consumer Notice: Personal loans are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You will not be charged any fees to use CashNow.com’s services.

Legal Disclaimer: THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make any short term cash loans or make any credit decisions. CashNow.com simply helps borrowers find lenders for personal loans. CashNow.com’s Terms of Use and the CashNow.com Privacy Policy apply to the use of this website and its services. This website does not constitute an offer or solicitation to lend. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. We provide a service only and are not acting as a representative, agent, or correspondent for any service provider or lender. Our aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. Our company does not endorse any particular service provider, lender, nor loan product. Please note that some lenders may perform credit checks as part of their credit transaction approval process. You are under no obligation to use our website or service to initiate contact, nor apply for credit or any loan product with any service provider or lender.

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being connected with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.


Cash Now Perth, Payday loan, cash advance, i need a loan now.#I #need #a #loan #now


Cash Advance Loans.

Cash Now Perth offers fast, secure and discreet cash advance or Cash Loans to clients in All States of Australia. Cash Advance or Cash Loans, is a cash loan that helps clients to access the much needed cash fast.

Cash Loans

As one of the Leading name in Fast Cash Industry, we do understand that clients may require the much needed Cash fast.Getting a cash loan from us is fast and simple. Loans application will be processed on the same day.

Why Us:

  • Application process is quick, simple and secure.
  • Apply 24/7. 365 days a Year

Cash Advance from $100 – $1,000

We provide Cash advance or Cash Loans without the need of complex documentation.

Many working Australians frequently face Cash shortage towards the end of the month or before their next pay date. Some of us have limited means to obtain the needed cash in a hurry.

Cash Now Perth offers Fast and Secure Cash advances to assist you in your short term financial needs.

If you think that short term Cash Advance meets your immediate needs, you can Apply Now

Criteria For Cash Advance Loans:

  • You must be employed.
  • You must be living in the same address for at least 3 months.
  • You have a current bank account with 3 months Bank statements.
  • You have 100 Points of IDs .

Costs of your loan:

In Cash Now Perth, we are committed to provide affordable, secure, and fast Cash advance to our clients.

Our Costs and Fees structure is simple and clear.

We have NO Application Fee

We have No Hidden Costs

Establishment Fee : 20% of Principal Amount

Service Fee: 4% of Principal Amount Per Month

For example: For a $300 loan, the costs of the loan will be:-

Establishment Fee : 20% of Principal Amount= $60.00

Service Fee: 4% of Principal Amount Per Month= $12.00 (Per month)

Based on 63 days term, your total cost will be $96.00 and total amount payable will be $396.00

The loan can be paid:

  1. Weekly if you are weekly paid.
  2. Fortnightly if you are paid fortnightly.
  3. Monthly if you are paid monthly.

The above example does not include the extra monthly or dishonour fees if you extend or default on your loan repayment.

Direct debit Fee: No fee payable to us.

Clients will pay direct to Direct Debit Provider-We will not seek to profit from services charged by Third Party.

We do believe client will always honour their loan obligation and pay their loan on time.

But on some occasion, we do need to charge dishonour or Late fee if client default on their loan.

Dishonour Fee : $25 per $100 per instance

Late Fee : $25 per $100 per instance

Weekly Loan Service Fee when Loan is in Default: $10.00

  • Due to the short term nature, cash loans (microloans) have a much higher effective interest rate than you may have seen in other types of loans.

The effective interest rate is a measure of the total loan cost if you were to take the loan out over one year and expressed as a percentage (Annual Percentage Rate, or APR).

As our loans are for short-term assistance the actual interest rate is not this high.

  • Annual Percentage Rate (APR) for a $300 for 90 days = 164.83%.
  • WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit fees and charges apply.
  • Loan Terms

    • The maximum loan amount for Australian residents is $1,000.
    • Loan terms: Minimum 17 days and Maximum 31 days.
    • You have the right to cancel your loan within 24 hours of signing your loan contracts by contacting us on 1300 022 746.

    Renewal Policy

    As a responsible lender, Cash Now Perth does not allow refinance of each original loan. Generally, we would not accept you having take up more than two loans within a 3 months period.

    Implications of Late Payment

    You will be considered late for payment, if we received your payment after the due date as stated on your contract. In such case, you may be charged an NSF fee of $25 per $100, and you may incur extra interest and bank charges for overdrafts. It is best to ensure sufficient funds in your bank account on your payment due date so as to avoid late fees.

    Implications of Non-Payment

    If you are unable to repay your loan on the due date, you must contact us immediately to set up payment arrangements. If your loan payment is rejected for any reason by your bank, and if we are unable to contact you or set up payment arrangement for you to clear off your debt, we may initiate Legal debt collection procedures after 90 days.

    About Us:

    Cash Now Perth has been proudly serving Australian for the past 10 years and is now one of the top names in the advance cash solutions sector.

    We offer quick cash services on a national level ensuring that clients from all over the country have easy access to cash whenever they need it most.


    Bad Credit Loans, Same Day – Completely Online, i need a loan but i have bad credit.#I #need #a #loan #but #i #have #bad #credit


    Bad Credit Loans

    Get Cash NOW!

    Bad Credit Loans! Fast Secure!

    Bad credit loans same day processing

    3 Easy Steps to Get the Loan

    Easy Online Form

    Click Get Started Now! button and fill in the secure online form. Easy and Fast, No hassle! No paperwork, No faxing can t be guaranteed!

    60 Seconds Decision

    You may get approved for your loan fast! Instant processing is our priority and our proud! Minimum requirements for being approved for a loan!

    Get Funds!

    If approved, funds may be deposited by the lender the same day or the next business day! Quick, Easy and Confidential!

    Testimonials

    12 Months Loans demonstrate warm friendly excellent customer service. They treat their customers as close friends and definitely diminish any anxiety about having to get a Bad credit loan . Recommend them highly to anyone in need of a short term loan. Thanks!

    I need a loan but i have bad credit

    I love your website 12 Months Loans ! Your fees are very low and reasonable and it s very easy to repay the loan! You are so transparent. I love it! I got my loan direct from the lender in 1 hour! Many many thanks!

    I need a loan but i have bad credit

    I was really surprised with the easy application process and the fast financial aid I’ve got. Being extremely pressed on time in my emergency, I appreciated greatly getting the funds same day, even I m with bad credit. Many thanks to 12 Months Loans

    I need a loan but i have bad credit

    PAYDAY LOANS BAD CREDIT NO CHECKS!

    Our life is unpredictable and it can change suddenly due to an incident that comes without warning. As a result, we may need extra cash to meet sudden demands. These unexpected events cause a lot of stress and pressure, as they should be handled very quickly. Quite often, we can solve our financial problems normally with the money saved in our checking or savings bank accounts. But in some cases it is impossible to find the money on time. Here the fast payday loans come into play!

    Fast cash in seconds

    Usually these easy loans are offered for emergency needs, so it is very easy to acquire these finances because you may be approved in fifteen minutes. Yes, it is true. With payday loans same day payout, you may get your funds within a few hours. After submitting your online application, you will get the funds direct to your bank account and solve the emergency problem.

    Easy borrowing

    The application process involves providing confidential information (such as your name, address, employment history, contact number, etc.). Besides being 18 years old you must have a decent monthly salary so that your direct lender can count on you for the timely disbursement of funds. Of course, to receive funds from the loan company, you must have a checking or saving bank account that is used to accept funds. Later the same account will be used to withdraw the loan amount. Thus, a verified bank account is a necessity if you want to get the payday loans without vising the direct lender personally.

    Applying for payday loans you can get $100, $300, $500 or even $1,000 dollars. But, if we look at traditional loans, they are too complex to deal with. For example, it requires a lot of time to complete applications for these loans. You must wait for weeks to get approved and provide more than just basic information. Thus, payday loans low fees are more beneficial in every way.

    Direct loans lenders that help!

    The interest rate is something that can be compared as you try to find a better direct loan lender. Many online lenders offer lower than average rates of facing a competitive market. The good thing about finding a reliable direct lender is that once you found one, getting quick cash for a financial emergency will be even easier and faster. So take the time to find the best payday lender. Actually, it may be useful to make a list when you have free time and before you are in the middle of financial crisis. Just to be safe! Take the time to find several loan companies. There are plenty of offers like guaranteed approval payday loans or no credit check loans! You should be very careful selecting them. The truth is that no-one can guarantee your approval and credit check will be performed by the lender even if the emergency occurs.

    If you can not repay your loan on time, you should be prepared to pay extra interest. There may be some type of service fees for extending or rolling over a loan, but it always depends on the lender and you need to discuss this aspect in advance. Your interest charge definitely should not change. From term to term, your short term loan should continue to be treated the same, unless you are told in advance. Extra fees are an easy way to an unethical lender to prey on a borrower’s inability to repay the loan as scheduled.

    Do not overpay for payday loans

    The best payday loans offered to anyone needing quick cash would come from a lender that does not charge excessive fees. With a little time spent digging into the payday lending market, you will be able to find one that takes the extra cost down. These lenders understand that customers are going through a difficult time and they act accordingly. Do your homework to avoid spending money you do not have to spare and avoid those who try to take advantage of your situation.

    The most common fee for payday loans is interest or service charges. Because these loans have an average of two weeks in duration, there is no time intended to earn interest. And lenders will charge a fee for the loan to earn profit. The use of third-party funding is not free so do not be alarmed to see the extra cost, it is normal. A good lender would not charge other fees if the money is paid on the agreed due date. There are companies that try to hide application fees in the processing your request. They may charge an average of $ 20-30 from the bank account of each candidate with or without approval status. It can be avoided by looking for a “free application” message on their website or calling and asking questions about fees for applications. Sending a loan application must be free and response must be guaranteed, so if it is not, you should choose another loan provider without hesitation.


    3000 Loan No Credit Check- Loans For Bad Credit- I Need 3000 Today, i need a loan today.#I #need #a #loan #today


    Welcome to 3000 Loan

    We welcome you at 3000 Loan! If loan amount up to ВЈ3,000 is what you need then you are at the right place. With us you can apply for our loan services to deal with any urgent expenditure. Tell us your needs and we will arrange the best loan deal through any reliable lender of your choice!

    I need a loan today

    I need ВЈ3000 today will enable you to raise an amount up to ВЈ3,000 on the same day of applying. No collateral, no documentation and no credit checks are a few benefits associated with these loans that makes it possible to get these loans in a day. At 3000 Loan you are free to apply for these loans for any purpose.

    I need a loan today

    3000 loan no credit check are short term loans. At 3000 Loan you need not have to get involved in any credit checks when applying for these loans. Absence of credit check makes these loans ideal for those who do not have a favourable credit score.

    I need a loan today

    If your credit score is not favourable then apply for 3000 loans bad credit. IVAs, CCJs, bankruptcy, default or any other bad credit record will never hold you from qualifying for these loans. You can qualify for an amount up to ВЈ3000 upon approval against these loans at 3000 Loan.

    Apply with us at 3000 Loan and you will not have to look elsewhere!

    Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

    The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in UK. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.

    PLEASE READ TERMS & CONDITIONS OF LENDERS OR BROKERS BEFORE PAYING ANY UPFRONT FEES

    We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.


    Need cash? Looking for a great deal on Gold or Diamond Jewelry, San Francisco Bay Area Pawn Shops, Quick Cash Loans, No credit check, need a loan today.#Need #a #loan #today


    San Francisco Bay Area Pawn Shops | Quick Cash Loans | No credit check

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    We buy, sell, loan!

    Buy Sell Loan, Inc. is a San Francisco Bay Area pawn shop and has been serving Californians who need money quickly and without hassles‚ whether via a sale of goods or a pawn transaction‚ since 1995. We buy your unwanted gold, silver and platinum, as well as rare coins, objects of art, diamond jewelry, and much more at all our stores.

    If you need money today, bring in your valuable items, to pawn or sell, to any one of our Buy Sell Loan shops in the Bay Area or Sacramento. Credit checks are unnecessary and in a matter of minutes you ll walk out with cash in your pocket.

    We have 5 pawn shops in the Bay Area – San Francisco, Redwood City, Santa Clara, Oakland and San Jose. Our friendly, honest, and expertly trained staff awaits you. Come see why we have a reputation for treating our customers like gold!

    Need a loan today

    This was the first time I ever pawned anything. My experience was very pleasant. Easy to find, clean, safe area near Santa Clara Univ. Ramon was very kind and I felt I got a fair price for my guitar and ring. If you have a cash emergency, this pawn shop was very helpful!”

    Shop online in our eBay store

    Shopping in person in one of our pawn shops is always fun – you never know what exciting treasures you re going to find, but now you can SHOP OUR EBAY STORE where we are featuring just some of the affordable luxury we sell in each of our stores.

    Here are some examples of what you might find in our eBay store

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    18K White Gold Blue Topaz Diamonds Solitaire Women s Ring

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    1956 Gibson Les Paul LPR6 VOS Gold-Top Reissue Electric Guitar with GIBSON CASE


    Payday Loans, Installment Loan, Fast Cash – Short Term Loans, need a loan fast.#Need #a #loan #fast


    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!
    • 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.

    Need a loan fast

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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.


    Need an unsecured, personal loan in Nigeria? Start here, Money, i need a loan.#I #need #a #loan


    Need an unsecured, personal loan in Nigeria? Start here.

    January is notorious for being a financially difficult month (except for those in the business of education). The christmas festivities, the loooong wait until the end of the month for salary payments and for parents, the demand for school fees at the beginning of the month make January a difficult one financially for a lot of people. Luckily, for salaried and self-employed workers, there are financial organisations whose job it is to lend a helping hand in these difficult times with no request for collateral, and I have compiled a list of some these. While most of these organisations cater for Lagos-based workers, there are some who will accept workers from other parts of the country.

    When borrowing money, there are a few rules to follow to avoid getting into unmanageable debt:

    • Budget. Base your borrowing on what you can comfortably afford to repay each month.
    • Borrow as little as possible.
    • Borrow for as short a term as possible. While it can be tempting for longer terms on loan repayments, it is important to note that ultimately, these cost more in the long term. Borrow N200,000 over a 3 month period and you ll have to repay ‎₦239,147 (‎₦79,715 monthly). The same amount over a 12 month period will cost ‎₦343,650 (‎₦28,637 monthly) 170% of the original loan amount, and a difference of ‎₦104,503!

    It is always good idea to check with lenders that they allow early repayments, and also to confirm their terms for doing so. Some lenders might charge you more to repay the balance on your loan early, especially if you are close to the end of the loan term, therefore it is important to check from the onset.

    Renmoney is a consumer finance organisation which operates from 89 Awolowo road, Ikoyi, Lagos. They offer cash loans to Lagos-based salaried workers in (proof required) for variable payment terms as little as 3 months.They operate a very simple website which allows you calculate your repayments against your desired loan amount and payment terms. They promise to pay within 24 hours of verifying documents, as long as the applicant is in a regular job and can provide proof of income.

    I need a loan

    Eligibility Requirements

    • Be between ages 22 – 55 years.
    • 1 Passport photograph
    • Utility bill
    • Live and/or work in any part of Lagos.
    • Have a secure job paying at least ₦50,000 monthly, into a bank account.
    • Must have a verifiable place/terms of employment.
    • Have a functional current account with a BVN number. You will be asked for a 6 month history of bank statements.
    • Have valid means of identification – International Passport, Driver’s License, National ID Card.

    You will find a full list of requirements here.

    How To Apply

    • There are three ways:
      • 1. Go to the Apply now section of the website
      • 2. Call their contact center lines 0700RENMONEY (0700 73666639)
      • 3. Visit the closest RenMoney branch to you

    Office Address and Contact details

    Head Office: 89, Awolowo Road, Ikoyi, Lagos, Nigeria.

    Surlier: Adeniran Ogunsanya Street, Surulere.

    Opebi: Pentagon Plaza, 23 Opebi road, Ikeja.

    Lagos Island 50 52, Broad Street, Lagos in CSS Bookshop HouseApapa: No. 13, Park Lane, Apapa.

    Direct Bridge is a consumer finance company operating in Nigeria and focusing on short-term consumer loans between ₦50,000 and ₦500,000 (depending on income) to low to middle class income earners. Loan terms are variable, between 3 and 9 months.

    • Must be in employment (paid or self-employed).
    • Must maintain a bank account not less than six months old.
    • Must have a verifiable monthly income
    • Must possess a valid means of identification
    • You must work and reside in Lagos
    • You must not have a history of returned cheques in your account

    Salaried workers will need:

    • Valid means of identification (International Passport, Driver s Licenseor National ID)
    • 1 passport photograph
    • Bank statement endorsed by your bank (6 months preceding date of application)
    • A signed direct debit mandate.
    • Your pension statement.
    • Tax id

    If you re self-employed,

    • Valid means of Identification (International Passport, Driver s License or National ID)
    • Certificate of Business Registration.
    • 1 passport photograph
    • Business Bank statement endorsed by your bank (6 months preceding date of application)
    • A signed Direct Debit mandate or Post Dated Cheques on business account
    • Tax details
    • A guarantor must be a banker. The guarantor will provide the following:
    • Last 3 months statement of account
    • Work ID
    • Passport photograph
    • A duly completed Guarantor Form
    • Post-dated cheques for the duration

    You will need to fill out an application form, (downloadable here) and take to their office with the supporting documents from the list above. If approved, they promise to credit your account within 24 hours.

    703C Thomas Adeboye Drive Off Somide Odujinrin Avenue

    Phone: 07064300703, 01-3424798

    Salary Advance NG is a product of the Addosser Microfinance bank, which provides funding solutions designed to bridge the funding gap for Lagos-based, full-time employees for personal needs. They are able to provide between ‎₦100,000 and ‎₦2,000,000 to customers for up to 12 months. Their easy-to-navigate website helps customers calculate loan repayment options against varying periods and amounts, to access affordability before even speaking to anyone on the phone. This provider requires a guarantor, who is required to be a work colleague with an income bracket above that of the applicant.

    • Live and be employed in Lagos State
    • Be a confirmed staff of a reputable company
    • Have a verified monthly income paid into a current account with a commercial Bank in Nigeria
    • Not have a history of returned cheques in your statement of account

    Applicants will require the following documents:

    • Most recent bank statement showing last 6 months salary payments (must be stamped/endorsed by the bank)
    • Copy of your employment confirmation letter or recent promotion/salary increase letter
    • NUBAN-compliant postdated cheques from salary account
    • 1 x Recent Passport photograph
    • Photocopy of your staff ID card
    • Completed guarantor’s form
    • Guarantor’s Passport Photograph, post-dated cheque (not required for loans under N250,000) and Photocopy of staff ID card

    You will need to print and fill out this form, attach the supporting documents take to the one of their offices.