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Fast 5k Loans

Вы можете получить кредит в любом месте между $1000 до $5000 по любому поводу, будь то платить за ремонт автомобиля, хозяйственные расходы, или даже отпуск.

See if you'll be accepted before you apply

Representative example: Amount of credit £1,800 for 24 months. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £142.65. Total amount payable: £3,423.67. Representative 99.9% APR.

Our QuickCheck will not affect your credit rating. QuickCheck will give you an indication of how likely you are to receive a loan from us before you fully submit your application.

If you are worried about the impact a rejection may have on your credit rating or you have been rejected in the past, try QuickCheck now.

Once you find out your eligibility with QuickCheck, simply decide to apply to receive an instant decision.

QuickCheck means you will know your likelihood of acceptance before you apply

Won’t affect your credit rating until you apply

Simple and easy to apply after QuickCheck

Polite and helpful. Everything was done quickly and hassle free.. Would use again and definitely recommend. Thanks.

Fast payment and helpful staff. Really helped me when others would not. Have now been able to consolidate debts to one manageable monthly repayment and could not be happier!

Excellent. I am really pleased with the simple and quick application. Money was in our bank within 12 hours (they say up to 24). They offered me the lowest rate when other banks had turned me down. Will definitely be using again.

118 118 Money is the trading name of Madison CF UK Limited (sister company of The Number UK Ltd., which provides the 118 118 directory enquiries service).

Company No: 08393840. Registered office: Fusion Point, Dumballs Road, Cardiff CF10 5BF. Madison CF UK Limited is authorised and regulated by the Financial Conduct Authority (FRN 741774).

You can confirm our registration on the Financial Conduct Authority’s website or by contacting the Financial Conduct Authority on 0800 111 6768.

118118 Money is a member of the FLA (Finance and Leasing Association) and subscribes to its lending code.

Loans are subject to status and only available to UK residents aged 18 and over.

Rates from 35.9% APR - 99.9% APR fixed. Representative 99.9% APR.

Loans for between £1,000 to £5,000 available over a term of 12, 18 or 24 months.

Terms and conditions apply. Applicants must be 18 or over. All loans are subject to status, affordability and credit checks prior to approval, in accordance with 118 118 Money's lending criteria. 118 118 Money performs traditional credit checks and verifies applicant information via both various national databases and manual review. We may require documentation and your application may be delayed if your identity or status requires further verification. If you do not qualify for the product for which you apply, we may offer you an alternative product with different terms.

Ts&Cs apply. Credit is subject to status, full application, credit check and affordability assessment.

For all the latest deals, guides and loopholes - join the 12m who get it. Don't miss out

For those who need to borrow, now could be the best time to get a loan as rates are still hovering at or around all-time lows as providers battle for your custom. But be careful before picking a personal loan as even the best deals have more tricks than Dynamo's sleeve.

Borrowing should always be budgeted for, and carefully planned, so you know whether you can afford the repayments. This is a step-by-step guide, with regularly-updated best buys, a unique calculator to pare your costs to the bone and an eligibility calculator that'll tell you which loans you've the best chance of getting before you apply.

Personal loans, also known as unsecured loans, are where you borrow a fixed amount from a lender, and agree to pay it back over a set time period paying fixed monthly repayments.

The lender will charge you interest as its fee to lend money to you, so you repay both the amount you borrowed plus interest. The advantage is that you get cash upfront, but are able to spread the cost of a purchase over several months or years.

This guide tells you the cheapest personal loans, but also addresses whether other finance options might be cheaper for you.

Credit cards can be cheaper than loans

Personal loans let you borrow up to Ј50,000. The key sell's "structured repayments", so you know how long you're borrowing for and what it'll cost each month. Yet in general, borrowing on the cheapest credit cards substantially undercuts the cheapest loans; meaning in many circumstances, they should be used first.

But much depends on why you're getting a loan, and how much you want to borrow. We've spelled out the most common situations, and where you might want to think about a credit card instead of a loan.

When a credit card's better than a loan

The most important factor here is your credit limit. Credit cards won't usually give you more than Ј5,000, and that's provided that you have a good credit score. So if what you need to buy is more expensive, you're probably better off looking for a Ј5,000+ loan.

But, if you can buy whatever it is for Ј5,000 or less, you have several other options. See if any of these scenarios fit you.

I can use a credit card to pay and can clear it in 31 months.

You can get up to 31 months 0% spending on a credit card, but this is only useful if you can budget to pay your debt off in that time, or you're organised enough to balance transfer the debt to another card before the 0% period ends.

This technique's also only useful if the retailer takes credit cards. And some – most notably car dealerships – often don't. But, there's still a way to use a card to beat a loan.

I can't pay directly on a credit card or I need longer than 31 months.

Don't worry, even if you can't pay the retailer directly on a credit card, you can still pay by card, it's just slightly more complex.

You'll need to get a specialist money transfer card. These work by transferring cash from your new card to your bank account, so you owe the card instead (though there's a fee to do this). Once there, you can spend it as you would a loan.

The longest deal at the moment is a card which gives you debt at 0% for up to 36 months (3.94% fee to transfer the money). But one card currently lets you do money transfer for a smaller 2.5% fee, though this time you only get 20 months at 0%. So if you can pay the debt off in that time, or balance transfer it once the 0% is over, this could be a great replacement for getting a loan.

I'm trying to make existing debts cheaper.

In most cases, a loan won't be cheapest. Credit card balance transfer deals are designed to allow you to shift other cards' debts to them at a special cheap rate, usually much cheaper than the best loan rates.

This doesn't mean you need to keep shifting debts between short-term 0% deals. Some cheap deals (around 6% APR) last until ALL the debt is repaid – and beyond (see Best Balance Transfers guide). Though make sure you make at least similar repayments to what the loan would cost each month.

But a credit card's not always the best option.

Most credit cards won't give you a credit limit higher than Ј5,000, so if you want to borrow more, you might be better checking out the best buy loans below and using the Loans Eligibility Calculator, which tells you which loans you've the best chance of getting before you apply.

I'm trying to cut the cost of an existing loan.

Don't automatically assume switching to a cheaper interest rate will save you money. Many loans, especially older ones, have lock-in penalties. These mean even though you'll pay less interest, when you add in the fine for moving, you'll pay more overall. Our Cutting Existing Loan Costs guide has a calculator showing you if you'll gain by switching.

I think I can get a loan from my employer.

Some employers offer loans to employees, usually for buying travel season tickets so they can get to and from work. Provided the total value doesn't exceed Ј10,000, these loans can be made by employers, and paid back over the year from the employee's salary.

These loans don't have to be made for travel purposes, so see if your employer provides these loans – they'll be the cheapest you can get.

Loans have never been as cheap as they are right now. A price war between competitive lenders means that rates have plummeted over the past couple of years, and despite a slight rise after the Bank of England's November 2017 base rate rise, lenders are once again battling for your custom.

Even low interest rate loans can have hidden costs, though. Before you pick the type of loan, it's crucial to decide one thing.

The formula's simple. Borrow as little as possible, repay as quickly as possible. To avoid complications, always base your borrowing on what you can comfortably afford to repay (preferably after doing a budget), as borrowing too much can cause debts to spiral out of control.

Beware – while borrowing over a longer period spreads the debts and decreases monthly repayments, it massively increases the interest you'll repay. Borrow Ј10,000 at 7% over three years and the interest cost is Ј1,100. Borrow the same over 10 years, and it's Ј3,900.

All advertised loan and credit card APRs are 'representative'. This means only 51% of successful applicants have to get those rates. So, up to 49% may end up with a more expensive loan than they applied for (if they get accepted at all).

Lenders have to tell you that their loan rates are representative. They'll do this by having a representative example on their site of what it may cost. You'll see something like this.

"A loan of Ј7,500 over 60 months at 3.2% APR would equate to monthly repayments of Ј135.43, and the total cost of the loan that you pay back would be Ј8,125.&7.9quot;

In this guide, we compare loans that can be paid back over terms of between one and seven years. Rates in the best buy tables below start at 2.8% and go as high as 12.9%, though you could be priced higher as the APR you'll be charged depends on your personal circumstances.

Sadly, the only real way to find out whether you'll get the advertised rate is to apply, though this leaves a search on your credit file, which can hit your ability to get credit in future.

It's worth noting, loan acceptance isn't just about your credit score. Your affordability score (shown in the free MSE Credit Club) also comes into play, especially for larger loans. This is because even with a great credit history, if lenders think you may struggle to repay such a large amount, they'll reject you.

If you're looking for a loan, check out the best buy rates below. We list loans by 'bands' as the rate you could get differs depending on how much you want to borrow. Plus, if you want to find out which loans you'll get, without applying, use our eligibility calculator to see your chances.

The best buys are below, but there's the chance to undercut some of these rates by 0.5 percentage points if you're a Nationwide current account customer (or you successfully apply for one of their accounts). Read a full Nationwide how-to.

Check which loan you can get before you apply

Usually the only way to know if you'll get a loan is to apply, which marks your credit file. Our Eligibility Calculator does a soft search to find which loans you'll get without harming your creditworthiness.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Cheapest loans from Ј5,000 to Ј15,000

Check which loan you can get before you apply

Usually the only way to know if you'll get a loan is to apply, which marks your credit file. Our Eligibility Calculator does a soft search to find which loans you'll get without harming your creditworthiness.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Check which loan you can get before you apply

Usually the only way to know if you'll get a loan is to apply, which marks your credit file. Our Eligibility Calculator does a soft search to find which loans you'll get without harming your creditworthiness.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Want to find out if you'll get these loans? Use the Eligibility Calculator.

Must have a First Direct current account First Direct 6.7% rep APR (loans between Ј30,001 and Ј50,000, 1-7 years, not in eligibility calc)

First Direct now offers personal loans to its current account customers up to Ј50,000 and Sainsbury's Bank offers loans up to Ј40,000. Tesco Bank, Yorkshire Bank and Clydesdale offer up to Ј35,000. Though be very careful in getting a personal loan for such a large amount as it's a huge commitment.

If you can't get this, you could combine loans, or remortgage, though that often means extending the term, more interest and securing the debt on your house.

Special trick for Nationwide customers – 2.3% loans?

If you hold a current account (or successfully apply for one) with Nationwide, it promises to undercut the best loan offer you get by 0.5 percentage points - as long as you're accepted for its own loan. This means, for example, a 2.8% loan (the current best buy) could become 2.3%.

Full details of how the Nationwide loan trick works

This trick's a little bit complex, so we've done a short Q&A here on how to do this in practice.

What loans do I need to apply for to do this?

To get the deal, you must first apply and get accepted for a standard loan - one that doesn't have fees as well as interest - through any bank or building society. This includes providers like Hitachi and Ikano Bank, but excludes some loans from peer-to-peer lenders such as Zopa and RateSetter.

Then, apply for a Nationwide loan within 30 days – but you'll need proof of acceptance for the other loan. If Nationwide accepts you, it will then offer you a rate which is 0.5 percentage points lower than your initial offer (it says it won't accept you for the loan, then offer a higher rate).

It's easiest to apply in branch for this, as you'll need to show or send your proof of acceptance for the other loan to qualify.

You can apply by phone, though you'll need to send your proof of the other offer by post before the loan is issued.

Which Nationwide current account do I need to do this deal?

There's a few that allow you to do this.

You can get the loan if you have (or successfully apply for) a FlexDirect, FlexPlus, FlexStudent or FlexOne account. The FlexDirect gives 5% AER interest for the first year on amounts in the account up to Ј2,500, though you'll need to pay in Ј1,000/month to get this. The FlexPlus has a Ј13/month fee, but comes with free travel insurance, mobile insurance and breakdown cover.

You can also get it if you have a FlexAccount, though with this account you need to have either been paying in Ј750+ a month for the last three months, or have completed an account switch in the last four months.

Most of the linked accounts are best buys in their own right, and are among our top bank account picks. Read full details and eligibility criteria for Best Bank Accounts.

I'm not a Nationwide customer, can I still take advantage?

You can open (or switch to) a current account with Nationwide at the same time as applying for the loan. But be prepared for the credit score hit you'll take. How much of a hit that is depends on whether you're already a Nationwide customer.

New customers. To switch banks, as well as apply for two loans, you'll have done three credit applications within a short space of time (one for the initial loan, one for the new current account, and one for the Nationwide loan)

Existing customers. You may only have one application for the original loan on your credit file, though this will depend on whether Nationwide has already 'pre-approved' you for a loan with it. Main current account customers may already be pre-approved for a certain amount, and if the amount you're borrowing is under this, Nationwide says it won't do a hard search (though it may still do a soft search). Your one application will come from the non-Nationwide loan you applied for.

If you're applying for a mortgage, or other big credit, soon, for safety it's best to leave a year between big applications, as this is how long applications stay on your file. See Credit Scores for more information.

Sounds like a bit of a faff. Is it worth it?

You need to decide whether the added hassle of making the extra credit application's worth it. On a three-year, Ј10,000 loan, you'd pay around Ј438 in interest over the term of the loan with a best buy 2.8% loan. If Nationwide then offered you a 2.3% rate, it'd cut Ј80 off the interest cost of your loan over those three years.

Use the loans calculator to see how much you could save.

It might be cheaper to borrow more

It's worth being aware of this when borrowing close to one of the rate boundaries above – which are set by lenders.

If you wanted to borrow Ј4,900 over five years, the cheapest loan's 6.8%, meaning a total repayment of Ј5,794 (Ј894 interest). Yet borrow Ј5,000 and the rate drops to 3.3%, which means total repayments are Ј5,431 (Ј431 interest) - that's Ј363 LESS, even though you borrowed Ј100 more.

Therefore best buy loan tables are wrong, as the cheapest loan for Ј4,600+ is to borrow Ј5,000. If you're borrowing near a threshold, use a loans calculator to check if borrowing more costs less. If you do borrow more, put the extra loan towards repayments.

These cheapest loans are updated every week. If you want to see a list of many available loans then online loan comparisons such as Moneyfacts and MoneySupermarket* give a wider range, though may miss some of the cheapest options above.

Cashback sites may pay you for signing up

As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. Do check that it's exactly the same deal though, as terms can be different. And remember the cashback is never 100% guaranteed until it's in your account.

Full help to take advantage of this and pros & cons in our Top Cashback Sites guide.

One of the main ways to add flexibility used to be via the Cheap Credit Card Loans loophole, which allows total flexibility and has rates cheaper than loans. But it's only for the financially savvy as it's easy to mess up.

However, if you're considering either substantially overpaying or clearing your debt early with a lump sum, there are some options.

Early part-repayments are allowed

If your loan was taken out on or after 1 February 2011, you can make partial overpayments on your loan. If your extra repayments total under Ј8,000 in a year, banks are not allowed to charge you a fee for making an overpayment. But if your overpayments total over Ј8,000 in a year then the bank is allowed to charge you so long as it has incurred a charge itself.

Loan providers must allow you to pay off your loan in full. This is usually subject to a penalty which is usually between one and two months' interest. Check your individual agreement to see what your lender will charge you.

Higher credit scorers earning Ј12,000 plus

Borrow from the loan marketplaces Zopa* or Ratesetter* (see below for full explanation) and you're allowed to shorten the repayment term, which effectively allows you to pay off more quickly. Also you can pay off in full without penalty.

It sounds funky and different. But for borrowers, getting a peer-to-peer loan is pretty similar to a bank loan, except rates can be cheaper and they're flexible, so you can repay when you want.

These loans from the two biggies, Zopa* and Ratesetter*, tend to be especially competitive if you have a reasonable credit score and are borrowing smaller amounts.

It matches borrowers and lenders (savers), cutting banks out of the equation. People with spare cash can usually get higher returns lending this money than from saving. Similarly, people looking to borrow can usually get lower APRs than from standard loans.

The lending sites do all the organising though, so as a borrower, your relationship and repayments are through them.

They run a marketplace matching savers with borrowers. Rates depend on how good a risk you are. At the time of writing, the cheapest Ј2,000 standard loan is 12.4% APR. But peer-to-peer lenders are 6.9% – 7.9% APR for the same value (though you need a decent credit score).

Initial applications don't hit your credit score.

With normal loans, the only way to find out the rate you'll get is to apply – which leaves a mark on your credit file. Here, peer-to-peer lenders 'soft search' your credit history – which future lenders can't see on your file. So it has no effect – and it tells you your rate and the lending fee.

If you do actually get the loan, though, it'll go on your credit file and your repayment history will be recorded.

What are flexible repayments?

Most loans require you to pay on a schedule. If you want to part-pay or fully pay early, there's sometimes a penalty. With flexible repayments, you can repay early in part or in full without a penalty.

Consumers using peer-to-peer sites are now better protected after the industry became regulated by the Financial Conduct Authority from 1 April 2014. In many ways though, this is to protect savers, not borrowers (as if it went bust and didn't collect your cash, you wouldn't be that upset). However, all major sites have their own safeguards in place to make sure you pay the money back, and that lenders don't lose out.

For more information, see our Peer-to-Peer Lending guide for savers.

Let us be blunt. Although there are plenty of competitive rates now available, getting the cheapest ones can still be difficult.

First, treble-check you're borrowing the absolute minimum needed. Lower amounts are easier to borrow. Plus, make sure you've checked your credit files to ensure a simple error isn't hitting your creditworthiness (read the Credit Rating guide).

After that, there are three main options:

Use the MSE Loans Eligibility Calculator

The Loans Eligibility Calculator protects your credit score by telling you which personal loans you've the best chance of getting before you apply. All you need to do is put in the loan amount you want, the length of time you want the loan for and its purpose, then some info about yourself. It'll tell you your chances as a percentage of getting different loans so you have an idea before you decide to apply.

If it looks like you're not going to get a particularly good rate after using the loan comparison service, check the standard loan rate from your own bank to see how it compares.

It knows more about you, and credit scoring is about predicting your behaviour, so that extra data may help. If its advertised rate is cheaper, it's worth calling in for a chat. There's a chance your bank will give you a loan when others wouldn't.

Consider a credit union loan.

Credit unions are independently run local co-operative organisations which aim to assist people who may not have access to financial products and services elsewhere. There are 500 in the UK providing loans, savings and current accounts. Each has its own services and rules on who can join.

Recently several credit unions have got together to offer an online portal for their loans. CU Loans* will take some details on you and the loan you want and will then find if there's a credit union you're eligible for, and your loan will be processed through that credit union. You can borrow between Ј1,500 and Ј15,000 for between one and five years. The representative APR is 8.9%, but credit union loan rates are capped, and the maximum you can be charged on a loan is 42.6% APR (equivalent to 3% per month). Most loans are cheaper than the cap, and it's generally only used for very short term loans.

All credit union loans have no hidden charges, no penalties for repaying early and many include life insurance for the loan as standard. Traditionally a union only lent to people that also held savings with it, but this has been relaxed in recent years and most credit unions will now lend you money regardless of this.

For full details on how they work, how to find out if there is one near you and the other financial products that may be on offer, read the Credit Unions guide. Also tell us in the forum what you think of credit unions, so other MoneySavers can learn from your experiences.

If no one will lend you the money cheaply, it's usually best not to borrow at all. If the idea of the loan was to cut the cost of existing debts, please read the Problem Debt Help guide.

Payment protection insurance (PPI) is supposed to cover you in the event of accident, sickness or unemployment for 12 or 24 months. If you have no other funds, wouldn't be covered by work-based benefits, and don't have any other insurance policies that would cover your repayments for a year, then getting a policy may be a sensible move for you.

Let's start by saying this as loud as we can….

Get PPI from the loan company and you'll almost always pay many times more than needed, often wasting Ј1,000s.

If you already have PPI on a loan, you may want to take a look at the PPI Reclaiming guide.

How to get the cheapest insured loan

Apply for the cheapest uninsured loan.

Simply use the uninsured loan list above to find the right lender.

Analyse your PPI requirements.

While most PPI cover is pretty similar, they're not identical. It's worth working out what you need before you start. For example, if you're not working, then you want to only get accident and sickness, not unemployment cover. If you're self-employed, some policies won't cover you, so either choose one that does or just opt for accident and sickness.

Use the cheapest standalone insurer.

There's a growing industry of small insurers looking to provide reasonable cover that vastly undercuts the banks' own. These include JustClick4Cover, Paymentcare* and iProtect.

If you're really set on just getting the loan and insurance together for the convenience, then never compare using the interest rate, but ask "what's the total cost, including insurance?".

We've designed a unique calculator to help you work out the cost of a loan, plus whether you can save by switching. Unfortunately, this does not work on a mobile so email the guide to yourself so you can have a look at it on your desktop.

Use the calculator below to play around and find out what shortening or lengthening the loan does.

We've designed a unique calculator to help you work out the cost of a loan, plus whether you can save by switching.

Want to complain about your loan provider?

If your loan provider has charged you the wrong amount, taken the wrong amount in payment, or its service has been atrocious, then you don't have to suffer in silence. It's always worth trying to call your lender first to see if it can help, but if not.

Free tool if you're having problems

This tool helps you draft your complaint and manage it too. It's totally free, and offered by a firm called Resolver, which we like so much we work with it to help people get complaints justice.

If the complaint isn't resolved, you can use Resolver to escalate it to the free Financial Ombudsman Service.

Should I get a consolidation loan?

This is one of the most common question about loans. You should never aim to just consolidate, it's often a disaster waiting to happen. If you've a lot of small loans or credit card debts, the primary aim should be to pay them as quickly as you can at the lowest possible rate.

Don't be suckered in by the promise that a consolidation loan can save you money by reducing your outgoings to a "manageable" level using just "one single monthly payment".

They can – but the way they do this is to stretch your borrowing over a longer period, maybe 15, 20 or even 25 years. That means the amount you pay back is going to be huge, as you're paying interest for a much longer time.

A Ј10,000 loan on a high street credit card at a horrid 18% APR costs Ј5,240 in interest if it's paid off within five years. Many think shifting it to a consolidation loan at 9% APR is cheaper – but as it's spread over 25 years, the actual interest cost is Ј15,200, nearly three times more.

Worse still, many consolidation loans are actually secured loans and thus you pay more, for longer, and are risking your home. The key aim is to cut the interest costs of your debt, whether that's on one loan or 22 of them, and pay it off as quickly as possible.

What's the difference between secured and unsecured loans?

Most high street personal loans are 'un-secured'. Annoyingly, that sounds like a bad thing, but it isn't. The alternative, and the kind you'll see mountains of TV ads for, are 'secured loans'. I'd steer well clear of those for the following reasons.

Your home could be taken away

A secured loan literally means the debt is secured on your house (or something else you own), meaning if you can't repay, the lender can repossess your home. With unsecured loans, it's much, much less likely this will happen.

Personal loan rates are fixed, secured are usually variable

Almost every unsecured personal loan is at a fixed rate. You know exactly what you'll pay from the start, and it won't change if the UK's interest rates do, or on a lender's whim.

Yet secured loans have variable rates, meaning lenders can up your payments when they like, and they often like to! In the past secured loan rates have been known to double, hitting people's pockets hard.

Secured loan repayments are stretched over many years

Secured lenders often promise "one easy low monthly repayment". While it may sound good, it's done to stretch the debt over many years, so you pay more, and more, and more interest, costing you a fortune.

Are you eligible for Government help?

Before going for commercial debt, it's worth seeing if there are any Government loans available to you. There are two types you might be eligible for:

Local help: Since April 2013, each local authority has been responsible for providing help to residents struggling with an emergency. This can include you or your family's health being at risk, not being able to afford to buy food, needing help to stay in your own home and coming out of care, hospital or prison.

Sadly, this is a postcode lottery. Each council can choose whether to offer financial help or not, and councils can decide who is eligible. Some may give furniture or food grants, while others may give cash.

National help: The next type are budgeting loans and advances. These are only for those receiving benefits and with no or low savings. They allow for a wide range of borrowing to pay for items including school uniform or furnishings.

For more information, read the Debt Help guide.

As this is so important, and in case I haven't made the point strongly enough yet, here it is written large…

Secured loans give the lender security, not you. It's far, far, better to take a normal unsecured personal loan than one secured on your house.

Secured loans are rarely a good move, and should be considered lending of last resort. They're only applicable in very limited circumstances (see the Secured Loans guide). Those with reasonable credit scores should consider a personal loan, cheap credit card deals or even extending their mortgage instead.

Those with a poor credit history looking at secured loans as a way out should read my Step-By-Step Guide To Problem Debts as an alternative.

What if I need to borrow more than they'll lend?

Once you've applied for the loan, it's already on the credit file. So assuming you applied for the cheapest loan for you, then there's no point in not accepting that cash because it's not the money you need. The answer's relatively simple – just apply for another loan to fill the gap. If you haven't been turned down due to a credit score issue, this isn't likely to be too difficult.

What will happen if UK interest rates change?

Almost every personal loan is at a fixed rate, so the rate and repayments you are given at the outset are fixed over the life of the loan, regardless of what happens to the base rate. Thus there's no impact whatsoever, whether rates rise or fall.

But a change in the base rate will affect those looking to get a new loan, although it's not an exact relationship. As loans are borrowed over the long term, the rates lenders set depend more on the City's predictions of long-term interest rates rather than the actual UK base rate.

Will the credit crunch affect loan rates?

Lenders have tightened borrowing criteria since the credit crunch. It's now comparatively more difficult to get a personal loan than it was before the crunch happened.

However, if you can get a loan, you'll benefit from historically low interest rates. The Government has provided banks with a source of cheap money, which means that they can offer loans at low interest rates compared with a few years ago.

How quickly will I get the money?

That depends on the lender. There are some which make a big play on giving you the cash instantly straight from a branch, though invariably you'll pay more. It's worth asking yourself whether the extra day's speed is worth paying a higher interest rate for the life of the loan.

Alternatively some of the cheaper loans allow you to pay a delivery fee of around Ј50 to get the money quickly. This can be set as a default option, so be careful.

What is a homeowner loan?

Put simply, a homeowner loan is when a company requires you to own or have a mortgage on your home before it'll lend. These are usually, but not always, secured loans, where if you can't repay, it can take your house.

However, some unsecured personal loan companies do require their customers to be homeowners, because those who do own homes are less likely to go bankrupt or default as the risk for them is bigger.

Are car loans straight from the dealer worth it?

They can be – especially if you can get a 0% deal (though this is more likely if you've a decent deposit). See our car finance section for the full lowdown.

But if you can't get a 0% deal, check that the interest rate on what you're being offered is an annual percentage rate (APR). Car dealerships sometimes quote a "flat interest rate" rather than the APR. If it doesn't say APR – check.

Flat rate loans make expensive loans look cheap. Double the flat rate to get a rough APR, eg, a 6% flat rate is 12% APR. Always compare loans based on the total amount you'll repay see Interest Rate Guide) and:

Flat Rate Loans

When buying a car you need to be particularly careful. A few dealerships will quote a flat rate of interest, rather than an APR. However, most use the normal APR, like banks. It's always worth checking though, as while this might not sound a big deal, we're talking thousands of pounds.

This is the interest you're charged on the outstanding debt. So borrow Ј5,000 over five years, and in the first year you'll be paying interest on quite a hefty chunk. However, in the last year you'll probably only have around Ј1,000 left to pay off, so you'll only be charged interest on this.

This means you're charged the interest on the original amount you borrow, no matter how much you've paid off. So with our Ј5,000 loan over five years, even in the last year you're still paying interest on Ј5,000 despite the fact you've paid most of it off.

So this means if you're offered a flat rate of 6%, which sounds very cheap, it's actually roughly equivalent to an APR of 12%, which is way over the odds.

The easy way round this is to always ask the question "what is the total amount I will repay including all charges?" and compare like this.


Review: This company kept calling me about a loan and which I did not accept. They charged my account and want refund my bank, with out my authorization in any shape form or fashion. My account is almost -500.00, because of this.Desired Settlement: Just put my refund back and stop calling. PUT MY ACCOUNT BACK IN THE POSTIVE. ASAP

Review: I applied for a $4000.00 loan through www.5k loans and was approved. In order for me to get the money they told me I needed to send them money for taxes. They asked for me to get a prepay card for 388.00 so I did then they asked for 188.00 so I did. Still no money. So then they asked for 420.00 and I did and they told me 420.00 more so I did ,but it was the wrong prepay card. So today they asked for 560.00 and then I would get money from western union in the amount of $4995.94. They sent me to there account dept to get western union number and then they asked me for 599.00 which I did not pay, and told them to give me all my money back and they aid no. Please help me!!Desired Settlement: $2000.00

Review: I applied for a loan with 5kloans and was told that I was approved for $1500. I was told to purchase a vanilla card and load $118 for processing fee. after doing that I was told that i had to purchase another card and load $200 for an insurance fee. After doing that I was told to purchase another card for $289 for the *** *** fee. After doing that I was told to get another card for IRS taxes in the amount of $269. When I told them I didn't have anymore money and I wanted all of my money back they told me that I could not get a refund until I paid the taxes. I did not pay the final amount.Desired Settlement: I want my $607 dollars refunded to me.

Review: Me an My wife was told to send $146.00 to start the loan process to be funded, then they turned around the next day an said we have to pay a $200 insurance fee for the loan amount being so high. So my wife told the 5kloan.com rep *** *** if that's his real name that we did not have an extra $200 at the time an he said to call back next week an the loan process will continue. So today 10-*-2013 my wife agreed to send the $200 to insure that the loan would be paid out today. Upon sending the $200 they now say we have to pay an additional $221.56 for westion union fee to receive the loan so we did because we really need the extra cash to pay our monthly bills. Now they tell us that we have to pay the taxes on the loan before they can send it. That was it we have had enough of try to send money that we really don't have in our budget so now they say we're not going to receive any of the money back that we've already sent them. I now know it was all a scam.Desired Settlement: Immediately Refunded funds

Review: I applied for a loan $2000 with 5k loans and I completed the application. I was notified by *** *** *** who told me that I was approved for the loan, I needed to pay $145 fee which is refundable once the funds transferred into my account. I was then told to purchase a vanilla prepaid card. I was notified that it would take 20-25 minutes before receiving the money. *** *** *** told me that there was a hold on the money. I was then transferred to the risk department where then I spoke *** and he explained that I needed to pay an additional fee for insurance of $225 I payed it on another vanilla prepaid card. I told him that I did not have anymore money. *** stated that I couldn't receive the money through my account, it would have to go through Western Union and I had to pay $284.40. I am very upset this company would not refund my money nor did I get the loan. I needed help and came up with nothing. I needed the money to move because my landlord don't want to do any repairs to the property. Please help me I wouldn't want this to happen to anyone else..Desired Settlement: I want my money refunded of $370 since I never received the loan and my personal information deleted from their systems.

Review: Back on 10-**-13 I was in desperate need of a loan; I applied online for a payday loan and 5K Loans called me back promising to lend me $3000.00. So I fell for it. It was a demoralizing experience. I was first told that there was a processing fee that I had to pay up front so that they could transfer the loan to my bank account I was told to go buy a Green Pak Money Card at a local 711 or CVS for an amount of $252.00 then call them back with the payment number. When I called back with that payment card they told me I misunderstood and that it was supposed to be for the amount of $252.69 and could not process it because it had to be for the exact amount! So at this point being so much further in dept I went ahead and borrowed money from a family member and purchased another Green Pak Money Card for that amount which by the way aren’t refundable. So I called them with this payment number. They put me on hold for about an hour just to come back and tell me that the loan would not go through to my bank account cause of an incorrect routing number which was all correct. So then they told me another way was for them to process it through Western Union. So being this far in dept I said ok. Well now they came back and said I had to pay a CT IRS fee for the amount of $283.45 before they could send it through the Western Union. So of course I called a friend to borrow money to pay this amount on another Green Pak Money Card. Sent that amount through and was told that the IRS website wouldn’t accept that card and that I had to buy a different card called a Vanilla Reload Network Card. Keep in mind at this point there were telling me that all these fees would be added to the Western Unions transfer on top of the $3000.00. So I was thinking that I’d be able to pay everyone back that same day once the transfer went through. So if things couldn’t get any worse, I was told now I had to come up with a Western Union fee for the amount of $380.00. At this point I was 8 hours into this scam tired frustrated and out of money and resources to borrow from. Also lost 4 hour of overtime from work! So I told them that I just wanted all my money back. They said they would refund me for the amount of $840.41 but it would take up to 45 days. This caused me to go to my employer and explain to them what happened to me and ask for financial help from them. My employer ended up loaning me $1000.00 to pay everyone back which is coming out of my check weekly. So on 12-*-13 I called 5K Loans to get a update on my refund. They said it was ready but I had to pay a Federal fee of two hundred plus dollars. I told them I would be contacting the Revdex.com to file this complaint.

Review: I applied for a loan that *** *** said I was approved for, they then asked for $205.00 to be put on an "electronic design card" that would be refunded to me at the time the loan deposit was made in my account. After I gave them the $205.00, which is something I NEVER do but I am in a very desperate situation, I received another phone call stating that in order to receive the funds I would need to pay an additional $400.00. I explained that I don't have an additional $400.00 he asked me if I wanted him to cancel the application or put it on hold. I told him to cancel the application and deposit the $205.00 back into my account at which time he said I will receive the "refund" in 40 - 50 day's by mail, I explained that I can't wait 40 - 50 day's and that I was going o contact the Revdex.com & the Attorney General's office, he proceeded to tell me I was threatening him and asked me "who are you"? "No refund for you" and hung up on meDesired Settlement: For them to re-pay the $220.00 immediately. There was a $15.00 charge to put the money on this card.

Review: I was informed I was approved for $3,000 loan. They asked for processing purposes that I put $183.21 on a blue dot for processing services and the monies would be funded. They then informed me they need another $342.79 as they were having problems depositing monies into my bank account due to FDIC problems. They then said they needed $350+ in prepaid taxes which was demanded by the Federal Government and that it would be refunded to me this year when I did my taxes (. ). They claim they are affiliated with the FDIC, Attorney General's offoce and the IRS. They also stated that they were approved by the Better Business Bureau. They are liars and shisters that should not be allowed to do business in this country. Shame on me, I checked the Better Business Bureau after I was out the $526. Tough economy, people working hard to get through it and you have people such as this. Please take them down!Desired Settlement: That you put them out of business and get refunds to all who have been mislead.

Review: I was giving strict instructions on how to receive a $1,000 loan I was approved for. I was told I was approved for a loan and had to complete a process in order to receive the loan I had been approved for. I was told that they could not go into my account to verify that I had enough funds to pay my first installment. So I would need to go to a CVS store and purchase a Vanilla Reloadable Network and put $132 on it. Then I had to give them the 10 digit number on the back so they could view the money. This would be proof that I have money to pay the first installment. I did as *** ext. *** told me and he said $1,132 would be transferred to my account in 30 minutes. He said I would receive the loan for $1,000 and my money $132 back that I used to prove that I could pay them back. No money was ever transferred to my account. I was contacted by *** and he explained that my bank would not allow them to transfer $1,000 but instead they would allow them to transfer $15,000 and I could have that. I in know way intend to take out a $15,000 loan. I told him I just wanted my money back, not the loan. He told me that since I was cancelling my application that there would be a $100 cancelation fee that he would take from the $132 they took from my card and the remainder would be sent in the mail in 45 days. I applied for the loan because I needed money, I used my last $140 to get the money and now I have nothing.Desired Settlement: I would like to have my entire $132 returned to me because I only allowed them access to it because I was told I would get it back in 30 minutes along with the loan.


Review: 5 K loans contacted me stating I was approved for a loan of a hundred dollars and to send 150.00 for good faith and they would deposit 1150.00 in my savings account in 45min. They said I had 8 months to pay the cash back @ 137.50 a month, I was directed to buy a vanilla card give them the numbers and they will send the cash, it never was directe, I called them they said they are getting a federal FDIC code error, so to go to western union pay 126.00 to pick up cash, we argued back and forth I went, they wanted me to give them the numbers om the card but would only give me the first 6 digits of the mtcn # when. Said no he stated we American expect things for free, and am I saying he should pay for my mistakes. We argued for a while back and forth and then he hung up blocking my number he answers from different #s. I spoke to *** *** ext *** then *** *** ext *** then manager *** *** ext ***, who also said he was sending me a 200.00 gift card to ebay for my troubles, they have all my personal info and are selling it to different companies, also they have debt consolidation people calling me. Also they are doing the something again but using a name cash America loan *** *** *** ext *** and ace cash express *** *** *** *** *** saying they know the other companies are are a scam but they aren't and if I send them 300 they will send me 2000.00 and I pay it back over a yearDesired Settlement: 200.00

Review: I originally applied for a 1,000.oo loan, and he asked me for 4 differednt types of fees transaction/westernunion/1st 3 monthly payments/ visability fees, they were all placed on either Gree Dot oney Pack's or Vanilla cards,

Review: I contacted 5k Loans, spoke with a young man name *** who said that he had gotten me approved for a 3,000 loans and I would have to make 6 payments of 575 back to the company over 6 months. He said that I need to upload$ 189.17 to a prepaid debt card and call he to make the transfer. He explained that I was paying for the bank fees and to have the money transferred through the bank. After I did that he said that the money would arrive to my account within 40 minutes. It never did, when I called he back he said that I needed to send another $300 dollars for me to get the loan.Desired Settlement: I would like to speak to the President of the company and a full refund!

Review: I had applied for a cash advance/payday loan for 2000 through 5K loans. I had provided them with required information which was employment information, social security, bank account information. I had received a call from a person called "*** ***", who initially went through making the arrangement for a loan and had me approved for 2000 dollars. According to "*** ***" I had to purchase a my *** network prepaid card and load it with 268 dollars. This was according to "*** ***" an advance fee to secure and prove credibility that I was able to keep up with the payback arrangements of the load. When I had purchased the card and called in I was transferred to "*** ***" who was the loan offer and took my information for the reload card I had just purchased. I told "*** ***" about providing legal documents and agreement information for all this I was then told that the information would be provided to me in an email the following morning, I never received any such proof or documents. The officer who handled the transfer of loans was gone for the night and that I would be contacted the following morning. When I was contacted the following morning by *** *** I was told that the FDIC did not allow the 2000 dollars from the loan to be deposited into my account. **. "*** ***" said that the other option I had was to deposit it into another account that was under my name, which I mentioned to him I did not have. The last option he told me was that I could do a *** *** Money Transfer to my name. I said if that is the only option that is fine to do the *** *** money transfer to have the money picked up at any *** *** location. When I was told the money was ready I had to go to my nearest *** or *** and process another my *** prepaid network card and make another payment of 268 dollars through *** reload network. I had never agreed to pay according to **. *** *** "fees" to have my money transferred to me. I told him I did not have the money and could not borrow it. I was told that I have to pay fees and he was being very aggressive & even hung up on me. When I called back I told him I wanted a refund. He said the "company" would send me a paper check in 40 days for an unknown amount due to also being charged cancellation fees and other "fees" that I was never told until after i said I wanted a refund. They are illegally and unauthorized to deduct charges I never agreed to or was told before hand. The company has failed as of yet to provide legal documentation of any transactions. I had the the my *** reload customer service and was told the card was redeemed and transferred to another card. I have no guarantee of the paper check amount and also the company is deducting fees from a cancelled process in which nothing was done.Desired Settlement: I wish to have the money refunded back into my bank account or back into my *** network card or back into the prepaid card I had purchased. If I do not see this case resolved I will be hiring a lawyer and taking the company to court for malpractice.

Review: Trying to get a 5K loan and after providing over 1K in fees, no loan has been provided.Desired Settlement: I would like the monies given to be refunded.

Review: I was offered a loan for $1,500 and was told that I needed to pay $105 to have the money wired in my account. After that was done they called me back and stated that my bank would not let them deposit the money and that I would need to have the money sent to me Western Union and then asked for me to pay $278 to have the money sent to me. I then asked if that was all that would be needed and he said yes. All payments were sent by a prepaid card. After that he then called back and said I needed to pay $398 for insurance. I refused and asked for my money back and he hung up on me.Desired Settlement: All I am asking is for the money that I paid to be refunded since it was stated that I did not need to pay anything to have the money sent to me.

Review: Wednesday, September, *** I received a call from a male stating he was from 5K Loan Services and he could assist me with a long term loan with a small monthly rate. The name he gave was *** *** or *** (with a middle eastern accent). He stated he received my information about a loan. I previously applied for a loan at my bank, but he promised their rate was lower. I qualified for 5 thousand dollars in a loan that would be released to my bank account the same day "within minutes". I told him that I wouldnt need anything like that large amount, so asked what would a $1500 loan do for me. He said the payments would be $124 per month fr 24 moths. - I was asked to get a Credit Bureau Voucher. Which *** promised was completely safe and all payments, etc would be reported to all 3 bureaus. The amount needed to be $130. I should go to Walgreens/CVS and call them back when I got to the store. I called back and the voucher, he said was called a "Vanilla Prepaid Card". I got the card gave the pin number. #*** I was placed on hold for 17 minutes. *** came back on the line and stated that the amount was approved, he wanted to forward me to the accounting department. I told him no! I wanted the money. If I was approved, send the paperwork and deposit the cash. not that Ive done my part. He said hold on, and had me to speak with a *** *** (with a middle eastern accent) with the accounting department. -*** said I needed to pay the insurance on the amount.I needed to get another card #*** in the amount of $200. Again I was put on hold for 23 minutes. When *** came back on the telephone line he said he needed to verify my checking account info and he was about to deposit the amount. He then put me on hold for 17 minutes. When *** returned, he stated for some reason, the bank was not allowing them to do any deposits. He said it was an issue with the FDIC. He then announced that he would gladly use Western Union. I said that was fine. He said, I needed to cover the fees on my end. I dint think anything of it, because western union was no more than $10-$15. He again said call when I got to the location, call him and he would assist me with filling out the western union form. We filled out all parts of the form, when I asked for the tracking number, he said I needed to pay the fee first. I said okay, I would get in line at the western union location. *** said no, I needed to pay $219.60 to them with the vanilla card. I got the card #***. By this time, it was around 6:55 pm. Again I was placed on hold. After the 14 min hold, *** said they are trying to get everything done, so I could get the number. But for some reason it wasnt working. I then screamed at him and said I wanted all of my money back. He ask why, what was wrong. I said he was a fake and I was being screwed. He said not true, by 10 am i would have the number with the cash. I again told him he needed to get me my cash back now! He hung up. I called at 10 am 10/*/13 and got a recorded message. At 10:02 *** called me back. He said the money was ready, but I needed $225 in Taxes. I asked him to email me or fax me the info so I could read over it. He could not do that because they only deal with the United States Postal Service. I said no way, send me my cash I've already invested. He then said it would take 15 days. If I didn't do it, it would affect my credit, etc. I said I was not worried. send me the money. It should not take 15 days. I explained if I gave him money within seconds, I would expect a return within seconds or US mail, no less than 5 business days. He went into a long story about why that could not be done. I said I would report them to the proper authorities, he said that he was okay with that. He promised they were a legit company and was in good standing. He then was really nice and was more than willing to give me up to 4 of the numbers for the western union until I paid the $225. I again said no, and began to ask questions about the company, address, his position (*** *** said he was the main accounting contact. I then hung up the phoneDesired Settlement: $549 investment

Review: Required Field5K Loans are contacting consumers who apply for online loans and stating that they are approved for personal loans and then request an upfront fee to show you're financial stable by purchasing a Vanilla Prepaid network card and supply them with the pin, which they will refund back with your initial deposit. Once the pin is given they tansfer you to the head of their accounting department, William Chase, which isn't his or any of their names, who then tells you that you have to pay an addt'l $250 fee to cover "your half" of insurance fees. When you decline the offer and request a refund of your money, it's denied. Too many good hard working people are taken advantage of and NO one is stopping them!Desired Settlement: Refund of money including fee to purchase card and most of all either business closed or operated by trustworthy people that are about the consumer. I do plan on voicing my complaint with any and all media available .

Review: I apply for a loan $3000.00 Sept **, 2013 and I gave them $137.50 for down payment on Sept **, 2013 then they said I needed to pay $250.84 for Western Union fee then I can get the loan. Then on Friday Sept **, 2013 I call and said I needed to pay $223.68 for taxes but didn't mention on Thursday when I talk to him about loan he said pay the taxes then I get money but didn't get it then paid what they ask for then I needed to pay $300.00 for insurance pay that then he said I needed additional $327.00 so in total I paid $912.02 and no money. I would like to press charges and get my money back because they lied to me. I talk to *** *** and *** ***Desired Settlement: I would like to press charges and get my money back because they lied to me.

Review: I believe I have been foolish and have been scamed. This company is an online loan company who takes your money for "security purposes" then when I asked them to cancel my application and just gibe me my money back they refused and said your money went to taxes so u habe to get the loan and give them more momey for more taxes. I demanded my money and for the application to be cancelled again and this time he said he would cancel it but I will be billed all types of expenses. This fraud of a website has ally banking info as well as my social. They have to be stopped before this happens againDesired Settlement: I gave them $156.00 first and another "refundable deposit of 204.82

You can get a loan of anywhere between $100 and $35,000 for any reason, whether it be to pay for a vehicle repair, home improvement expense, or even a vacation

A Better Personal Money Solution To Get Cash, Fast, Anywhere!

With Fast5kLoans, you can receive funding up to $5,000. We have extensive partnerships with large authorized lenders. This allows us to cover almost all 50 states. The $5,000 is received quickly and from the privacy of your own home.

Our Online Form is quick, secure, and hassle free. You can fill out our Online Form from the privacy of your own home.

There are many advantages with Fast5kLoans. You can fill out our Online Form with any credit type at Fast5kLoans.

Another Advantage is that the funds are deposited directly into your bank account as soon as the next business day!

Connect fast with a lender who understands your financial needs!

A personal loan is a way for an individual to receive up to $35,000 in funding. It is a loan that can be used for home enhancements, luxury item purchases, vehicle repairs or bill payments. The length of the loan is called the term and can range all the way up to 180 days, depending on the lender. Our simple Online Form does not contain any long questions. Instead, it asks for your basic information and a location for where you would like the loan to be sent to. It is that easy!

Basic Loan Requirements

  • Must be at least 18 years old.
  • Must be a U.S. citizen.
  • Currently employed or receive steady income.
  • Have a bank account to receive the funds, ideally with direct deposit.

Please read the following disclosures. There is information about General Loan information, APR information, Renewals and Repayment Terms.

This is information about the Annual Percentage Rate (APR). The APR defines the rate of interest a borrower pays over the course of a year. It describes the costs to the borrower in a yearly rate. Fast5kLoans cannot promise a specific APR. Our lending partners set the APR on loans. An APR can run between 5.99%-35.99%. Loan products have a 61 day minimum repayment term and a 72 month maximum repayment term. However, a lender can charge an APR that does not fall within that range. Read the terms of your loan carefully before accepting and signing a loan contract.

Lenders have unique Renewal Policies. Some of them have automatically renew or "roll-over" Features. These conveniences often come at an additional fee. Please ask the lender you were connected with for their renewal policy. Again it is vital to read through the entire Loan Agreement and Disclosure to make sure you are comfortable with their terms before accepting the loan.

Late, Partial, or None Payments and Collections

Though each lender has to operate within the state laws that govern them, they have their respective approaches to handling late payments. A loan is an agreement between you and the lender to fully repay the loan by the time agreed. Depending on your agreement with your lender, if you are late for the agreed payment, a lender may add fees, send to a collections agency, report your late, partial or non payment to a consumer reporting agency. These policies change per lender, so please make sure to consult your lender to find their respective policies.

Fast, easy and secure Online Form.

Fast5kLoans realizes that financial problems come unexpected and always at a bad time. We believe that lending should be made easy, fast and not only rely on the individual's past history. We are here to help. The process starts with completing our Online Form. The Online Form must be completed accurately to make sure the funds are not sent to the wrong individual. Lenders use the information provided to verify your identity before sending you funds.

One of the advantages of using Fast5kLoans is that we have many lenders that have different lending methods. This means that you are more likely to be approved by a lender within our network because there are more options available to you.

Since each lender has their own lending policies, once approved, please be sure to read their disclosures and lending practices carefully before you sign and agree to the loan.

What is a Personal Loan and what can I use it for?

People get personal loans to help with home repairs, unexpected expenses, holiday shopping, and more. Such a loan from one of our lenders can help you get the cash you need! Just fil out our Online Form. Follow the short process and if you are approved, receive your cash loan!

Fast5kLoans’ services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.

What is the highest loan amount I can receive.

$35,000. Though not all lenders are able to lend you $35,000.

How do you protect my privacy and personal information?

We take privacy seriously, and so we use industry-standard encryption on our website so that third parties cannot intercept your data. You can also take a look at our privacy policy for more details on this.

What if I'm late or skip a payment?

Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. Please contact the lender directly if you have an issue paying an installment.

Please check the loan agreement from your lender for specifics on this, as each loan may vary.

This is information about the Annual Percentage Rate (APR). The APR defines the rate of interest a borrower pays over the course of a year. It describes the costs to the borrower in a yearly rate. Fast5kLoans cannot promise a specific APR. Our lending partners set the APR on loans. An APR can run between 5.99%-35.99%. Loan products have a 61 day minimum repayment term and a 72 month maximum repayment term. However, a lender can charge an APR that does not fall within that range. Read the terms of your loan carefully before accepting and signing a loan contract.

Fast5kLoans’ services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.

FAST5KLOANS IS NOT A LENDER. The Fast5kLoans website does not offer or provide loans, but rather, it offers a service. It should not be construed as a lending agent or broker. The site does not endorse any lenders and does not charge visitors any fees. The website owners do not evaluate potential lenders’ applications, nor do they approve or deny credit. The Fast5kLoans website does gather applicants' personal information and transmits it to lenders that are part of the site’s lending network. No one is required to make use of this website, nor are they under any obligation to begin contact with site operators or to attempt to secure a loan with any of the site’s lending partners. Some, but not all, lenders may offer loans of up to $35,000, and loans tend to range between $500 and $35,000. Transmission of your financial and personal information on the website in no way obligates lenders to offer you a loan or any other kind of credit product. Be aware that cash transfer times can vary, depending on the lender and the bank you use. It may be necessary to fax information under certain circumstances. All questions about loans, and any concerns you may have should be directed to your lender. These loans are intended as short-term financial solution to satisfy borrowers’ needs for immediate monetary relief. This is not intended to be part of a long-term financial plan for individuals. These services are not offered in all states. Potential borrows may undergo credit check(s) if lenders choose to use any of the major credit reporting bureaus, including Equifax, Trans Union and Experian. They may also use other alternative sources to check credit ratings. Your request for a loan constitutes your agreement and acknowledgement that (A) your personal data may be shared with lenders and perhaps other third-party partners, and (B) lenders can acquire credit bureau reports that detail your credit history. Reports from major credit bureaus, such as Equifax, Experian and TransUnion may be obtained and used to evaluate your reliability as a borrower.

Fast5kLoans © 2015. All Rights Reserved

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