We have disrupted the normal loan process to make it easier for you. We have been connecting people with loan solutions since 2009. The multitude of lenders, aggregators and marketing partners within our network offer a wide array of financial products for every situation. We never charge you to use our service and you are under no obligation to accept an offer. We are your ongoing partner in the pursuit of financial products and services that make your life better. Our mission is to make the loan process easier for you.
We believe finding the right financial product should not be a lengthy, complex process, giving you a headache. We take the work out of it by providing you an easy and convenient way to be connected with personal loans, installment loans, short term loan, and other financial products.
Our network is comprised of lenders who can offer you upwards of $35,000 for any of life’s events: weddings, debt consolidation, auto repair or purchase, business loans, vacations, medical expenses and much more. Our partner network is so vast we can help those with all types of credit and situations.
As a disruptor in the loan process, we’ve simplified how you get access to cash loans and financial products, all from your digital device. You fill out one quick, secure and easy profile, we submit it to our vast network of partners, you review the offer and decide to accept or reject it, if accepted cash is deposited in your account as soon as the next business day. Now that’s easy.
From start to finish the entire process is straight forward and simple. You tell us about what you are looking for, how much money you need, what you need it for, etc. We use our proprietary system to connect you with the financial product you are eligible to apply for. Again, this is all at no cost to you and can be done from anywhere. We redirect you to our partner’s site so you can review all the terms and conditions of the offer – the amount offered, the repayment terms and APR to name a few. Everything is in your hands. You are under no obligation to accept the offer. After you review the offer proposed, you decide if you want to accept the offer. If you accept the offer, you can receive your funds in as little as one business day. You have nothing to lose by filling out your request and allowing us to connect you with financial products.
The minimum requirements for most personal loans may vary from lender to lender, but usually these are the basic requirements to qualify for a short term loan:
To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your profile and determine whether you are eligible based on their own set of approval criteria. Factors such as income, direct deposit of your pay, past loan history along with your state of residence, may all affect the approval of your loan.
If your profile meets their qualifications and is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the loan. Most lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your information matches their criteria.
Personal and/or installment loans typically range between $100 and $35,000. They can be used for almost any personal expense, from paying off credit cards and medical bills to financing home repairs or even a much-needed vacation.
Personal loans are commonly called installment loans because they are paid back in monthly or bi-monthly installments over an extended period of time. They can be a convenient alternative to bank loans or high-interest credit cards, with online request forms and no-hassle automated repayment.
The cost of the loan and Annual Percentage Rate (APR) depend on several factors including but not limited to, credit history, employment history, and state law. Your APR also depends on how much you want to borrow and how quickly you want to repay the loan.
The terms of your loan are disclosed during the loan request process when you are directed to the lender's loan agreement. This information is strictly between you and your lender. Not all customers will be eligible for a loan or meet the criteria to receive the best terms or lowest interest rate.
The time it takes to process a loan and transfer or ACH funds into an individual's account varies with each loan company, and also depends on the financial institution where the customer has their bank account. However, approved individuals can often receive their loan as soon as the next business day after approval.
Repayment terms, including dates for repayment and any fees chargeable in the event of rollover, etc., vary for each company that offers loans, and it is essential that you review all of these terms and conditions before entering into a loan agreement.
Late/Partial Payments: If you do not pay the full amount of principal and interest by the agreed-upon payment date, you may be charged a new finance charge and payment date may be extended until your next pay date. This new finance charge may be a flat fee, or may be calculated by applying the proportionate amount of the finance charge to the unpaid loan amount. Review the late payment policy detailed in the loan documents provided to you by your lender before signing your e-signature, and thereby agreeing to the loan terms.
No-Payment: Life Loans does not enforce payment. If you do not pay, your lender may take legal action against you. Additional fees may apply to you in the event that you are unable to repay your loan. Information regarding your payment history, delinquency or defaults on the account may be reported to a third party consumer reporting agency and may impact your credit rating.
Loan Renewals: Life Loans will not provide a renewal for you. Your lender has renewal policies which will vary. With every extension or renewal, a new finance charge ("Extension Fee") may be assessed by the lender, and the re-payment date may be extended until the borrower's next pay date. The finance charges can be significant depending on the lender.
Collection Practices: Collections practices of lenders and/or any assignee(s) will be in accordance with the principles of applicable federal regulations. Lenders may attempt to contact borrowers via one or more authorized methods, including phone calls and emails, to arrange for payment. Impact to Credit Score: Your lender may report late or missed payments to the credit bureaus. This can negatively affect your credit store. Consumers with credit difficulties should seek credit counseling.