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How Does It Work?

Get Access to Cash When You Need It The Most!

Personal Lender Matching!

Online. Secure. Free. Safe!

 

How We Provide The Easiest Application Process and Match You With The Best Lenders!

This is a lender-matching service which primary goal is to connect consumers like you with personal loan lenders. We can successfully match a great part of individuals who submit request a lender willing to provide the funds they need.

Funding in 4 Easy Steps

All About Personal Loans

Our Secure Online Form Submitting is Fast and No Obligations to Accept!

 

The online form we provide only takes minutes to fill out is completely secured with top-notch security software and is free for you to fill out. We only ask for the information we need to match you with a lender in our network, and after you submit this information, it is forwarded to our lenders who can provide you with up to $3,000 in cash in as little as one business day. In many cases, you will not be asked to fax a single document.

 

Review the No-Obligation Offers

In a matter of minutes after we have processed your information, you can be matched with one of our lenders and can get an offer that suits your requirements and your details. You are never under obligations to accept any offer, so if the offer you receive is not satisfactory, you can simply reject it, and it will cost you nothing.

 

Getting Your Cash

After getting the offer that suits your financial needs, you will go through the details of your loan agreement. Then, your lender will ask you to provide your electronic signature in order to enter into a contract. Once this step has been completed, your lender will usually deposit the loan amount for which you were approved into your checking account on the following business day.

 

Re-paying Your Loan

Some of our lenders can make the loan repayment process incredibly simple. If you opt for the direct withdrawal option while closing your loan agreement, you can have the repayment done for you electronically. In most cases, all you will need to do in order to repay your loan is to ensure that your monthly repayment amounts—the amount of the loan plus any applicable fees and interest—is available for withdrawal on the scheduled dates. This way, you do not have to mail any checks or money orders and you do not have to visit a retail location. This paperless process also helps to reduce the likelihood of late payments and may even save you money.

About Personal Loans

Personal Loan Qualifications

Qualifying for a personal loan is simple and quite fast.

These are the basic qualifications associated with obtaining a personal loan:

• You must be 18 years of age or older
• You must legally live and work in the United States
• You must be employed with the same employer for a minimum of 90 days
• You must have a bank account that is not currently overdrawn
• You must have a valid email address and working telephone number
• You must meet minimum income requirements

 

Your Credit History Is Usually Not the Critical Issue

Even though the lenders that partner with us to perform credit checks if necessary, individuals with imperfect credit or no credit at all usually can qualify for loans anyway. The lenders in our network may also perform alternative credit checks with the companies like TeleTrack or DP. These verifications help to ensure that you are not currently in bankruptcy and that you do not have outstanding loans with other lenders. These checks usually do not affect your credit score.

 

Getting the Biggest Benefit from Personal Loans

In order to truly enjoy the benefits associated with personal loans, it is important for you to repay your loan on time. This will help you to avoid potentially high late fees and build a better business relationship with your lender of choice. You should always ensure that you will have the funds available to repay your loan before you request a loan, and you should contact your lender immediately to discuss the available options if you will be unable to repay your loan on time.

 

Personal Loan Qualifications
How Can We Help You
Getting the Benefits of a Personal Loan

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How Can We Help You!

We are always available to answer your questions about this website, our services and personal loans in general. We strive to provide you with outstanding customer support and will answer your inquiries as quickly as possible. If you have issues with any particular loan deal with one of our lenders, please, contact that lender directly, because we are not authorized to have details regarding any loan agreement you've entered.

How Can We Help You!
Implications of Nonpayment

 

 

Disclaimer

This service is not a lender and therefore cannot determine whether or not you are ultimately approved for a personal loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. Our purpose and goal is to match you with one or more lenders from within our network who can provide you with the cash you need. We will never act as an agent or representative for any of our lenders, so you can rest comfortably in the knowledge that you will receive fair and competitive offers.
In order to request a personal loan through this website, you should first fill out our short, easy and secure online form. Once you click to submit it, this information will be forwarded throughout our network of lenders who will review your details and determine whether or not they can offer you a credit. Since each lender is different and we have no say in the rates and fees you are charged for a loan, we urge you to take the time to review the details of each offer you receive very carefully before you accept or decline it. Once you have found a loan offer that works for you, you will be asked to provide your electronic signature; this binds you into a contract with the lender which means that you are legally obligated to adhere to the terms in the loan agreement. You are never under any obligation to accept an offer from any lender and you may cancel the process at any time without penalty. We will not be held accountable for any charges or terms presented to you by any lender and we are not responsible for any business agreement between you and any lender.
We can not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. 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 Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $3,000. The limits and regulations vary from state to state.

 

 

APR Disclosure
The APR associated with your loan stands for the annual percentage rate or the amount of interest you will be expected to pay in relation to the length of your loan term. Most of the time, the APR for personal loans can reach up to 1386.00%, though this can vary somewhat. Some states cap APR and the amounts of charges for online personal loans. APRs may depend on multiple factors like lender’s terms and conditions, type and term of your loan request, the state of residence, creditworthiness. We're not able to supply you with an exact APR that you will be charged if you are approved for a loan.

 

 

Implications of Nonpayment\Latepayment

 

Implications of Late Payment

If you are unable to repay your loan on time for any reason, please contact your lender as soon as possible. Late payment fees are set by your lender in accordance with the regulations in your state, and lenders also determine their own policies in regard to how they handle late payments. There are several courses of action that your lender may take, so you should check your loan agreement for specific information that pertains to your lender.

 

Implications of Nonpayment

Financial Implications – The cost associated with personal loans of up to $500 can range from 15% to 40%, and these costs may climb even higher for loans that are greater than $500 in value. Before you sign your agreement, you should check these fees carefully. Similarly, there may also be charges applied for nonsufficient funds. As an example, if your $100 loan is 15 days past due, you may be assessed a charge that is equal to 10% of the principal balance as well as a $25 nonsufficient funds fee.


Financial Implications

The cost associated with personal loans of up to $500 can range from 15% to 40%, and these costs may climb even higher for loans that are greater than $500 in value. Before you sign your agreement, you should check these fees carefully. Similarly, there may also be charges applied for nonsufficient funds. As an example, if your $100 loan is 15 days past due, you may be assessed a charge that is equal to 10% of the principal balance as well as a $25 nonsufficient funds fee.

 

Disclaimer
APR Disclosure
Financial Implications

To help government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify a customer’s identity, Lenders may obtain, verify, and record information that identifies the customer.

Collection Practices

Collection Practices

Many of the lenders in our network stick with in-house debt collection practices rather than selling your debt to an outside collection agency, and they will never sue you or threaten criminal charges against you. Your lender may attempt to collect your debt via email, postal mail, telephone, or text message, and they may offer you a settlement so that you can repay your debt over time. All of our lenders are required to adhere to the Fair Debt Collection Practices Act which protects you from harassment. You can contact your lender for more information about its specific policies.

 

Impact on Credit Score

Lenders are within their rights to file reports with the three major credit bureaus—Experian, Equifax, and Transunion—if you fail to repay your loan. This negative remark will lower your credit score and may make it impossible for you to obtain personal loans or other forms of credit in the future. However, once you have repaid your debt to your lender in full, this will be reported to the credit agencies and the negative remark will be removed from your credit history.

 

Renewal Policy

Some of the lenders in our network participate in what is known as automatic loan renewal. Simply put, if your loan is beyond a specific amount of time past due, your lender will rollover your loan. This may be offered to you in addition to options like repaying your loan in full at a later date or repaying your debt in installments over time. The minimum term for an automatic renewal is 15 days and you will likely be required to pay renewal fees and additional interest charges

Impact on Credit Score
Renewal Policy

Disclaimer

A personal loan is a medium term loan with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months. Loan offers and eligibility depend on your individual credit profile. Our lenders can help you obtain as much as $3,000 depending on the lender, your state, and your financial situation.

The owner and operator of My e-Loan Solutions.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching 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 personal loan products and the industry is presented on the website for information purposes only. MyEasyLoans.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. My e-Loan Solutions.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. Online personal loans are not available in all the states. Not all the lenders in the network can provide the loans up to $3,000. My e-Loan Solutions.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 personal 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 MyEasyLoans.com is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, My e-Loan Solutions.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. Additional 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 MyEasyLoans.com, and My e-Loan Solutions.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 personal loan product.

Late Payment

 

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 the 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 the 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 a 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.

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