Personal loans
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Personal Loans
Personal loans represent one of the many types of loans you can get nowadays. These are also called installment loans and can provide you with a larger sum of money than other loans. This sum that has to be repaid in a period of maximum 24 months.
However, keep in mind that this period is not fixed, and most of the lenders prefer to set 6-month terms when it comes to providing personal loans. Then, you can repay the loan every month, or you can even pay it earlier than you have to and in full if you wish to do so.
Why should you take personal loans?
Most of the times, people choose to apply for personal loans when more serious problems arise. For example, some may struggle with debt, and a sum of money at their discretion might help them deal with it. But these loans are also very good for when you want to make a more expensive purchase or maybe even redecorate your home.
The money is yours and you can do everything you want with it. But as with every loan, and not only, you do have to manage your capital accordingly and have a spending plan for your personal loans, so that you won’t have any other problems.
Also, you should keep in mind that personal loans have a fixed amount of money you can borrow. In our case, this sum is of 3,000 USD, with monthly repayments towards the loan’s balance.
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Requirements for personal loans online
Your credit score can also influence the amount of money you can borrow, as some lenders will want to make sure that you are able to repay the sum at the end of the loan.
These safety measures are sometimes taken because personal loans are unsecured. This means that, in case you default on a loan, the lender is not able to confiscate parts of your goods as payment. This is what also makes personal loans quite difficult to get.
In the case of personal loans, the interest rate is fixed. That means it will not change over the course of your loan and you will always know how much money you have to repay your lender. Also, unlike payday loans, a personal loan comes with a higher interest rate, so it’s better that you look for the lender with the lowest rate – however, you should also make sure that it can be trusted.
If you live in the USA, you can always rely on us if you want to get a personal loan. You can even get your loan from us by applying online, therefore saving lots of time. All you have to do is fill our form, after which you will be linked with one of our lenders.
When applying for a loan with us, the maximum amount you can borrow is of 3,000 USD, and it is repaid in equal monthly payments. After deciding on the sum you want to borrow and after you and the lender agree on the set terms, the money you have borrowed will be sent immediately to your balance.
It’s as easy as that to find and apply for personal loans and get the money you require in a matter of minutes.
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Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.
The owner and operator of Cybotex.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designedonly for amatching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presentedon the website for information purposes only. Cybotex.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. Cybotex.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. Cybotex.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.
APR Representative
APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since Cybotex.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, Cybotex.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant.
CybotexAdditional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with Cybotex.com and Cybotex.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.
Late Payment Implications
It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.
Non-payment Implications
Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.
Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.
Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.