applying for a loan

applying for a loan

What products are on offer?

A full list of products and services offered by the EIB can be found in the Products section.

Is my project eligible for an EIB loan?

The EIB finances projects in most sectors. To be eligible projects must contribute to EU economic policy objectives. For further information please see the Priorities pages.

How do I apply for a loan?

No special formalities are involved for the submission of applications to the EIB for individual loans. Project promoters are required simply to provide the Bank's Operations Directorate with a detailed description of their capital investment together with the prospective financing arrangements. For further details of required documentation: Application Documents.

Initial contacts to discuss a proposed project can be in any form, by telephone, fax, e-mail or letter. The project promoter should provide sufficient information to allow the EIB to assess whether the project adheres to EIB lending objectives and has a well-developed business plan.

Special Case: Projects under EUR 25 million:

For projects where the total cost is under EUR 25 million, the EIB provides intermediated loans (credit lines) to local, regional and national banks.

The lending decision for EIB loans via credit lines remains with the financial intermediary. Promoters interested in EIB financing for projects under EUR 25 million should contact the banks and other intermediaries involved directly with a detailed description of their capital investment together with the prospective financing arrangements.

The EIB also provides direct loans for midcap companies (with up to 3000 employees) where the loan volume requested is between EUR 7.5m and EUR 25m.

Is there anything else I should know before applying?

The EIB adheres to strict environmental and procurement policies.

Potential promoters should ensure that their project adheres to these conditions. Further information can be found at:

English-russian accounting dictionary . 2014 .

Смотреть что такое "to apply for a loan" в других словарях:

apply for a loan — index borrow Burton s Legal Thesaurus. William C. Burton. 2006 … Law dictionary

apply for — phr verb Apply for is used with these nouns as the subject: ↑argument Apply for is used with these nouns as the object: ↑admission, ↑asylum, ↑bail, ↑citizenship, ↑clearance, ↑divorce, ↑entry, ↑exemption, ↑extension … Collocations dictionary

loan — money lent at interest.A lender makes a loan with the idea that it will be paid back as agreed and that interest will be paid for the use of the money. Glossary of Business Terms Temporary borrowing of a sum of money. If you borrow $1 million you … Financial and business terms

Loan modification in the United States — Loan modification, the systematic alteration of contactual mortgage loan agreements, has been practiced in the United States since the 1930s. During the Great Depression loan modification programs took place at the state level in an effort to… … Wikipedia

apply — ap‧ply [əˈplaɪ] verb applied PTandPP 1. [intransitive] to make a formal, usually written, request for something, especially a job, a place at university, or permission to do something: apply for • She had applied for a full time job as an English … Financial and business terms

LOAN — (Heb. הַלְוָאָה, halva ah), a transaction in which a thing, usually money, is given by one person, called the malveh ( lender ), to another, called the loveh ( borrower ), for the latter s use and enjoyment, and in order that such thing or its… … Encyclopedia of Judaism

Loan origination — is the process by which a borrower applies for a new loan, and a lender processes that application. Origination generally includes all the steps from taking a loan application through disbursal of funds (or declining the application). Loan… … Wikipedia

Loan shark — A loan shark is a person or body that offers illegal unsecured loans at high interest rates to individuals, often backed by blackmail or threats of violence. They provide credit to those who are unwilling or unable to obtain it from more… … Wikipedia

loan — <>I.<> noun ADJECTIVE ▪ large, massive ▪ small ▪ long term, short term ▪ high interest, interest free … Collocations dictionary

Federal financing for small businesses in Canada (grants and loans) — The Federal Government of Canada funds a number of programs and agencies that provide or facilitate financing for small businesses. Financing is available in the form of grants (sometimes called non repayable contributions ), loans, loan… … Wikipedia

Mortgage loan — Mortgage redirects here. For other uses, see Mortgage (disambiguation). Finance Financial markets … Wikipedia

Because no-one likes hanging around, applying for a first direct Personal Loan is fast, easy and remarkably pain-free.

Planning a holiday? Fancy a new car? Want to build your own robot dog? You can borrow between £1,000 and £50,000.

  • quick decision in minutes if you're applying on your own*
  • immediate access to your money if approved online
  • Personal Loans available from £1,000 to £50,000
  • fixed monthly repayments between 1 and 7 years, so you know where you stand
  • flexibility to overpay, which may reduce the amount of interest you pay.

If you borrow £16,000, over 60 monthly repayments of £289.57, at an interest rate of 3.3% p.a (fixed), with a representative 3.3% APR, the total amount you'll repay is £17,373.91.

You can borrow between £1,000 and £50,000 in £50 increments. For amounts £30,050 and above please contact us on 03 456 100 155 (available 8am - 11pm Mon to Thurs and 8am - 10pm Fri - Sun) to discuss your needs.

Because we only lend responsibly, we'll work with you to make sure you can afford your borrowing over the whole term of the loan. If you can see any changes in your circumstances coming up that could increase your outgoings or reduce your disposable income, please give us a call on 03 456 100 199**.

Changes you should think about include:

  • your employment situation - will you retire or take maternity, paternity or extended leave during the term?
  • any reduction in working hours - are fixed contract end dates approaching? Do you have a zero hour contract?
  • increases in your living costs, rent or mortgage repayments.

Please note - it's important that the information you give us is accurate as it may affect our lending decision.

What will my monthly repayments be?

Your repayments depend on how much you want to borrow, how long for and your personal circumstances, but you can use the online loan calculator above to get a rough idea.

How long can I take a loan out for?

The minimum term for our loans is 12 months and the maximum term is 84 months. You can choose any term in between, in 6 month increments.

It depends - have a play with the loan calculator and you'll see that the rate you receive depends on the amount you want to borrow, and we'll also take into account your individual financial circumstances. We start charging interest from the day the money is available in your account. The maximum APR you could be offered is 21.9% APR.

For more information about our interest rates, have a look at our Loan rates page.

How long will it take for you to make a decision?

If you apply online, it takes about three minutes to complete the application form, you hit submit and, if you're accepted, the money is transferred to your account immediately. In about the time it takes to boil an egg, you could be approved and could access the loan money.

If you apply by phone, we still make an instant decision, but it will take longer to access the money if you're accepted as you'll need to return some signed documents - see below, 'How quickly will I get the money?'

Sometimes we'll need more information from you before we can agree to the loan. If this is the case, when you apply online you'll see a prompt asking you to call us. How long it takes to make the decision then depends on how quickly you get the information to us.

How quickly will I get the money?

If you apply online and it's also approved online, your loan will be transferred into your first direct 1st Account immediately, so you can put your plans into action straight away. If you apply for your loan over the phone and it's approved, it takes a little longer. We'll post a loan agreement form for you to sign and send back to us. As soon as we receive this signed form, we'll transfer the money into your 1st Account.

Is there anything that I can't use my loan for?

You can use our loan for lots of things - if you do build a robot dog we'd love to see it. There are some things we don't offer loans for including the purchase of property or land (both UK & Overseas) including holiday homes and apartments, purchasing a joint stake in a property or buying out a joint owner, mortgage Deposit (regardless of lender or country) or gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees. In addition, a Personal Loan should not be provided for gambling, business purposes or sharedealing. This list isn't exclusive but you can give us a call if you'd like clarification on 03 456 100 199 from 8am to 10pm, seven days a week.

Can I use my loan to consolidate debt?

Yes, as long as it's legal and not for business use, but if you're using some or all of the money to pay off, reduce or combine other borrowing, you should make sure it's right for your circumstances before going ahead. Some things to think about:

  • interest rate and monthly repayments - are you getting the best deal and can you still afford the monthly repayment?
  • the term of a new first direct Personal Loan compared to your existing commitments - if you spread your repayments over a longer term, you could end up paying more overall than you are right now, even if the interest rate on your new loan is lower than the rates you're currently paying
  • the term of a new first direct Personal Loan compared to your existing commitments - if you spread your repayments over a longer term, you could end up paying more overall than you are right now, even if the interest rate on your new loan is lower than the rates you're currently paying
  • early repayment charges - will you be penalised for settling other loans early?

Of course. You can repay your loan in full at any time by giving us notice - either by calling us on 03 456 100 199**, sending a secure message or in writing. We'll give you a settlement figure, and as long as you pay this in full, we can close your loan account. If you choose to repay your loan early, there could be a reduction in the amount of interest you have to pay, and this will be reflected in your settlement figure.

Are there any charges for settling early?

Yes, we charge one months' interest on the settlement figure if you close a Personal Loan account early.

How can I find out what my outstanding balance is?

For your current balance and/or a settlement figure, just call us on 03 456 100 199** or send us a secure message via Online Banking.

If you took your loan out after 11th June 2010, yes, you can make overpayments and these could reduce the amount of interest you pay over the term of the loan. If you took out your loan before this date, we can't accept overpayments.

Can I take a repayment holiday?

No, sorry - we don't offer repayment holidays with this loan.

What happens if I miss a payment?

If you're worried about your financial situation, it's better to let us know before you miss the payment - call us on 03 456 100 100. As a responsible lender, we'll work with you to make sure you can stay on top of any money problems you have, whether they're short or long-term.

If you're late paying any amount due under your agreement, we may charge you interest on the overdue amount at the interest rate specified in the agreement. This interest will be charged from when the payment was due until we receive that payment in full.

Persistent late or missed payments could affect your credit rating, which can make getting credit more difficult, and in the worst case it may lead to legal action to recover a debt. Please don't let things get that far, for your own sake - call us on 03 456 100 100 if you're having difficulties.

Do I have to be a first direct customer to take out this loan?

Yes, our Personal Loan is only available to first direct Current Account customers and payments are taking by standing order from your 1st Account. You can find out more about opening a current account here.

Do you offer any other types of loan? Secured, flexible or business loans?

Not right now, no. The first direct Personal Loan is an unsecured loan account with fixed monthly repayments.

for loans between £7,000 and £30,000.

If you borrow £16,000, over 60 monthly repayments of £289.57, at an interest rate of 3.3% p.a (fixed), with a representative 3.3% APR, the total amount you'll repay is £17,373.91.

How to apply for a Personal Loan

Log on to Online Banking, select 'Apply' and choose 'Personal Loan' from the left hand menu.

If you would prefer to speak to us, please call us on:

Sorry - our Personal Loans are only available to first direct Current Account customers (you're more than welcome to

You can also talk to us anytime on:

As you'd expect, credit is subject to status. The rate you'll receive depends on your individual circumstances, credit checks and an assessment of your financial situation. The maximum APR you could be offered is 21.9% APR.

You'll find more information in the Everything you should know tab on this page, and our postal address on our Contact us page. Please also read our Important Notes about our loans and Interest Rates and Charges opens a new window before you apply. Terms and Conditions apply.

*Please call us on 03 456 100 199** for joint applications or if there are any changes in your circumstances coming up - like an increase in outgoings or reduction in disposable income - that could affect your ability to repay what you have borrowed over the whole term.

**Our Personal Loans Team is available from 8am to 10pm, seven days a week.

Would a credit card work for you?

If you have a balance to transfer or purchases to make, we could have a credit card offer to suit you.

Deciding how to borrow money comes down to what suits you best. Here are some guides you can use to help you make up your mind:

first direct is a division of HSBC Bank plc. © HSBC Bank plc 2017. All Rights Reserved. Member HSBC group.

Because we want to make sure we're doing a good job, we may monitor or record our calls. We hope you don't mind.

Applicants must be permanent residents of Los Angeles or Ventura counties.

Meet with a Loan Analyst for a brief personal interview and complete some paperwork including a short

two-page application form.

Your Loan Analyst will advise you on finding a credible co-signer for your loan. Co-signers are people over

25 with a steady source of income, a strong, established credit record and reside in California.

Your loan analyst will answer all your questions and discuss a repayment schedule with you

Have your co-signer(s) complete and sign the forms.

Return all original forms, application and other necessary documents to Jewish Free Loan Association by mail. Please allow seven-to-ten days for processing.

Wait for notification. When your loan is approved by the Jewish Free Loan, your loan analyst will let you know. A check will be issued directly to you and can be picked up or mailed.

Begin making monthly payments approximately 30-45 days after the check is issued until the loan has been completely repaid.

Got a question? Please visit the FAQ section.

Are you counting the days until payday? Emergency auto repairs, unexpected bills, and other unplanned expenses can wreak havoc on your finances. There is no need to live with financial stress - a personal loan may be a helpful solution for short-term cash flow problems. A personal loan will provide you with cash now, so you can set your worries aside.

Qualifying for A Short Term Loan is Simple

In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times.

What Are You Waiting For?

Our website prides itself for quickly connecting you with a lender. When using our service, you will fill out a short form and then be connected with one of our 100+ partnered lenders. After you submit your information, you may be redirected to the lender's website to review the terms of the loan, and if accepted, the funds will be deposited into your bank account!

What is Our Service?

Our service is to connect you with a lender. Our service is completely FREE to you! We are here to connect you with one of 100+ partnered lenders. Each lender that we work with has their own terms, and we highly recommend carefully reading your loan contract before making a commitment.

A Short Term Loan Will Give You the Cash You Need

Short Term lenders specialize in servicing loans. Each of the lenders in our network is an independent company that sets their own lending guidelines, but generally the amount they will borrow you depends on factors such as your income and employment history.

Do I Need to Fax Documents as part of the Process?

In most cases "NO". However, if information you provided is inconclusive or seems false, lenders may ask you to fax additional documentation.

If you have further questions, we invite you to contact us at anytime.

Consumer Notice: Personal loans are not a long term financial solution. Borrowers facing debt and credit difficulties should seek professional financial advice. Borrowers are encouraged to review local laws and regulations governing personal loans.

Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time without notice. All actions taken on this site, or legal concerns addressing this site, are deemed to have taken place in Nevada, regardless of the location from where you access this site.

Disclaimer: This website does not constitute an offer or solicitation to lend. The operator of this website is not a lender and does not make credit decisions. Rather, we provide a marketplace service where we connect you with lenders in our network. We cannot and do not control the actions or omissions of lenders in our network. We are not an agent, representative or loan broker to any lender and we do not endorse any particular lender. Our marketplace service is always free to you. If you are ever asked to pay a deposit or advanced payment in order to get a loan, you should not proceed.

You are under no obligation to use our marketplace service to initial contact with or apply for a loan with any lender.

Subject to our Privacy Policy (which you should carefully read and understand), we will transfer your information to lenders in our program and to other service providers and marketing companies we do business with. We do not guarantee that you will be connected with a lender or obtain favorable rates or be approved for a loan by completing a form on our site.

Participating lenders may verify your social security number, driver's license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders may obtain such credit reports and verify your information.

Not all lenders can provide you with a loan. If you are approved, you will receive funds according to the lender's funding practices which vary from lender to lender. Repayment terms also vary from lender to lender and may be affected by state law. If you have questions about the loan terms offered to you, or about a loan that has funded, please contact the lender directly. We are not a lender and cannot give you loan-specific information.

You will not be charged a fee for using our service. Loan-related fees are controlled by the lender and will be disclosed to you before you accept the loan. If you do not want to incur loan-related fees or you are unable to repay your loan, do not accept the loan.

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