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Loans

Frequently Asked Questions

What Do I Need?

Applying for a loan need no complicated document or requirements. The process is relatively straightforward and simple. Have your employment verification or proof of income ready during your application. Complete an online form and have it sent back to us. That’s it. After that, the results will be sent to you in just a matter of minutes.

Must I have A Guarantor??

While in most cases, borrowers with poor credit may need a guarantor to apply for a loan. It is an added security for the lenders just in case the borrower defaults on the loan. If you’re dealing with bad credit, it is highly recommended that you start with a guarantor loan and improve your credit one step at a time. If your credit is good, most lenders will no longer require you a guarantor.

How Long Does It Take To Get Paid Out?

The application process would only take minutes, from start to finish. You don’t have to drive by the nearest bank to apply nor have to wait hours to get approved. Once you have completed the online form, in just a few minutes, you’ll have the result of your application sent directly to you. If you’re approved, the money is automatically deposited to your account. No need to wait hours for your money. It is fast, convenient, and hassle-free.

What Happens If I Miss My Payment?

There are times that you may fail to make payment. You might run into an emergency that prevents you from paying on time. We understand. Some lenders can be lenient on the first or second months of your loan. However, intentionally missing your payments could result in serious consequences. Not only that it incurs additional fees but it could also affect your credit severely.

Managing your finances effectively could be a challenge. If you’re in a tight spot and you need cash assistance as soon as possible, unsecured loans can be your best friend. However, unsecured loans often include high-interest rates compared to secured business loans.

If you’re dealing with a towering debt, applying for an unsecured loan might not be a good idea. Not only that it adds more weight to your monthly payment, but the interest from unsecured loans makes it more difficult for you to pay off your debt.

If you need help to manage your finances efficiently, talk to us and we’ll find the right options to help you gain financial independence.