Personal Financing

Get Up to $400,000 & Lower Fixed Rates

Personal Expense Loan

Personal installment loans are best in the beginning stages. Receive $10,000 to $400,000 even more. In many cases, depending on your credit rating, you can create terms that work best for you such as 3 to 7 years with 3% to 15% interest rates.

If you have a 700 or higher credit score and at least $50,000 annual income, there are several great programs for you.

  • 720+ FICO
  • TC under 28% ( Credit Card usage under 28% )
  • Must have FIVE Primary or Individual Account older then 2 years and in good standing.
  • No Negatives – No Lates
  • Less than TWO inquiries in the last SIX months
  • SSN Card must be older than 10 years – Less years, less funding.Not sure if you qualify, submit your credit monitoring login to us for review. We will get right back to you.
Personal Expense Loan​
credit card loans

Credit Card Loans

Refinance your credit cards with a personal loan—and know the exact date your loan will be paid off.

balance transfer loans

Balance Transfer Loans

Lock in a lower APR and save time by paying creditors directly through preferred lenders—just tell us who to pay and how much.

debt consolidation loan

Debt Consolidation Loans

Simplify your debt—and your life—with a single monthly payment on an affordable, fixed-rate loan.

home improvement loan

Home Improvement Loans

Start your home improvement project now, without waiting for a home equity loan or line of credit.

Blogs

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The Secret to Simplifying Your Financial Life: Debt Consolidation Feeling overwhelmed by a mountain of debt? Are credit card bills and high-interest loans causing you sleepless nights? If so...

 Available Funding Plans:

  • Personal Unsecured Loan 
  • Personal Line of Credit 
  • Personal Credit Card 
  • Stated Personal Loan (No income verification Docs required)
  • Personal Loan that will not post to your personal credit!!
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Funding Requirements

  • 720+ credit score (Credit Repair Education is available if necessary)
  • No derogatory Items
  • No more than 5 Inquires in the Past 6 months 
  • No Bankruptcy 
  • Credit Usage less than 28% (If your credit usage is greater than 28% this does not automatically disqualify you)
  • 3 or more Primary Tradelines with 2 years of history or greater

 

Personal Documents Needed

Copy of DL ( Must be clear, in color FRONT and BACK )

Copy of SSN card ( Must be clear, in color FRONT and BACK )

Proof of Address ( Utility Bill, cannot be older than 30 days in color )

Personal Voided Check from your checking Account.

Last 2 Pay Stubs ( Means of Income , social security, alimony etc. ) Downloaded from Online if available 

Last TWO years W2’S 2022 or 2023 if Available

  • 2 Months Personal Banking Statements Downloaded from Online

 

When making the copy of the document, please make sure all 4 corners are in the picture. It is best to lay it on a white paper and have a margin around the document. If the document is in color, please make a color image.

Also be sure there is no glare and the text is sharp and clear.

Acceptable formats are: PDF, JPG, PNG, TIF, GIF.

If you use your smart phone camera, as said above, please place the document on a white paper and have a small margin around the edges so that all corners are in the picture.

Another method is Cam Scanner which uses your smart phone or tablet camera to make a PDF. Here is a link to the app. https://www.camscanner.com/user/download

Apply For Personal Funding

IMPORTANT: Read these Directions before completing this Application. Check the Appropriate Box.

SECTION A - APPLICANT

Agent(Name)/Social Media/ Family/ Friend

SECTION B – INCOME AND EMPLOYMENT

SECTION C – ASSETS

SECTION D – LIABILITIES AND INDEBTEDNESS

List below all indebtedness to banks, credit unions, stores, finance companies, individuals and other creditors, including obligations to pay alimony, child support, separate maintenance, rent, mortgages, etc.

SECTION E – JOINT APPLICANT, USER OR OTHER PARTY (Use separate sheets, if needed.)

If this Section of Application is completed, the indebtedness of Co-Applicant/Guarantor/Endorser must be shown under the “liabilities and Indebtedness” Section above. (Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation)

SIGNATURES

Everything that I have stated in this application is correct to the best of my knowledge. I understand that you will retain this application whether or not loan is approved. You are authorized to check my credit and employment history and to answer questions about your credit experience with me.

DOCUMENTS

CREDIT RELEASE AUTHORIZATION

I hereby certify that the information contained in this lease application is true and accurate and I hereby authorize our banks, trade references, and financial institutions the right to release credit information. In states where permissible, I hereby authorize the filing and recording of UCC financing Statements showing the Secured Party's interest in the equipment and grant the Secured Party the right to execute Lessee's/debtors name thereto. A photostat copy of this authorization shall be as valid as the original and this authorization is valid for us, or our assignees.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law is the Federal Trade Commission Equal Credit Opportunity, Washington, D.C. 20580. If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Lessor set forth above within 60 days from the date you are notified or our decision. We will send you a written statement of reasons for the denial within 30 days for receiving your request for the statement.

Notice: To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify and record information that identifies each person (individuals or businesses) who opens an account. What this means for you: When you open an account or add any additional service, we will ask you for your name, address and taxpayer identification number that will allow us to identify you. We may also ask to see other identifying documents