Pay Off Your Christmas Credit Card Debt
Low Cost Personal Loan
Pay off those credit cards the smart way. Borrow what you need with a personal loan. Save hundreds of dollars in interest an make low monthly payments up to 72 months.
Your loan application will be presented to several lenders, and you will get to review their offers within minutes. Review the terms of the offers and make sure you understand the key elements of the loan agreement such as interest rate and term of the loan. If approved, you can usually get funds in as little as one business days and funds are sent directly to your bank.
Enjoy rates as low as 5.99% instead of the 18% and up interest rates charged by credit cards. Rates are determined by your credit scores and credit experience.
Personal Loan Requirements
Loan applications are accepted with any credit score but there are additional minimum requirements from the lenders.
-Age/ID/Residency Status - You must be 18 or older to be eligible for a personal loan. You must also have a valid Social Security number, and be a legal U.S. citizen or a permanent resident.
-Income - In order to ensure that you will be able to repay a loan, you must either have full-time employment, be self-employed, or receive regular disability or Social Security benefits. Some lenders may require a pay stub or other form of income verification such as tax returns.
-Bank Account - Most lenders require a valid checking account, as once a loan is approved, your lender or lending partner will deposit your funds directly into said account.
-Credit Type - Most loans do require that customers demonstrate a pattern of responsibility. To be eligible for a personal loan product, typically an individual must not have any accounts more than 60 days late; must not have active or recent bankruptcies; must not exhibit a pattern of late payments; and must not have any recently charged-off accounts.