Finova Financial
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Amount: $750 - $5,000
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Min. Credit Score: 350
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APR: 17% - 30%
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Approval: 1 - 7 Days
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Terms: 12 months
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VivaLoan
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SecondChanceLends
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ZippyLoan
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Amount:
$100 - $15,000
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Min. Credit Score:
0
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APR:
5.99% - 35.99%
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Approval:
< 1 Day
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Terms:
6 - 72 Months
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FundsJoy
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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OneMainFinancial
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Amount: $1,500 - $20,000
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Min. Credit Score: 0
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APR: 16.05 - 35.99%
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Approval: 1 Day
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Terms: 24 - 60 months
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MarinerFinance
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Amount: $1,000 - $25,000
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Min. Credit Score: 600
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APR: 24% - 35.99%
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Approval: 1 - 3 Days
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Terms: 12 - 60 months
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FirstTech
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Amount: $500-$50,000
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APR: 10.0% - 18.0% Unsecured & 3% - 18% Secured
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Loans:
Secured and Unsecured Personal Loans Unsecured Personal Line of Credit Certificate Secured Loans Savings Secured Loans Credit Cards
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NavyFederal Credit Union
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Amount: $250 - $50,000
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APR: 7.49% - 18%
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Min. Credit Score: Vary
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Loans:
Credit Cards Auto Loans and Refinance Mortgages Secured and Unsecured Personal Loans Student Loans Home Equity Loans Motorcycle, Boat & Leisure Vehicles
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| APRs |
7.49% - 18% |
| Loan Amount |
$250 - $50,000 |
| Loan Terms |
Up to 60 months (up to 180 for home improvement) |
| Origination Fee |
$0 |
| Prepayment Fee |
$0 |
| Late Fee |
$29 |
| Minimum Credit Score |
Not disclosed |
| Minimum Income |
Not specified |
| Loan Purpose |
Debt Consolidation, Home Improvement, Expenses |
| Time to Receive Loan Money |
Few days |
| Other Requirements |
- 18+ years old
- U.S. citizen or permanent resident
- SSN
- NFCU membership
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NavyFederal is one of the largest credit unions.
Federal credit unions such as Navy Federal cap interest rates at 18%, which makes loans for borrowers with bad credit potentially less expensive than one they’d get through an online lender, where rates top out at 36%. In addition to credit score and debt-to-income ratio, Navy Federal considers a borrower’s history with the credit union and current employment status. Navy Federal may also lend to borrowers with little or no credit history.
NavyFederal offer 5 types of personal loans:
Personal Expense Loan
Personal Expense loans can be used for any purpose. The amount vary between $250 to $50,000.
Terms:
- Up to 36 mo:7.49% - 18%
- 37 to 60 mo:14.79% -18%
Home Improvement Loans
If you meet the basic credit and income requirements, you shouldn’t be required to add a collateral.
Amount:
- $25,000 minimum loan amount could be set for 61 to 84 months.
- $30,000 minimum loan amount could be set for 85 to 180 months.
Terms:
- Up to 36 mo. 7.49% - 18%
- 37 to 60 mo. 14.79% -18%
- 61 to 180 mo. 15.29% -18%
Debt Consolidation Loans
Even if you are repaying a bad credit loan, NavyFederal could save you from high interests, by consolidate your existing loans.
Amount:
You can from $250 to $50,000.
Terms:
- Up to 36 mo. 7.49% - 18%
- 37 to 60 mo. 14.79% -18%
Shares Secured Loans
With your shares secured loan your savings continue to earn you dividends and become available to you as the loan is paid off.
Amount:
- $25,000 minimum loan amount for 61 to 84 months.
- $30,000 minimum loan amount for 85 to 180 months.
Terms:
- Up to 60 mo. Share rate + 2.00%
- 61 to 180 mo. Share rate + 3.00%
With your shares secured loan your savings continue to earn you dividends and become available to you as the loan is paid off.
Certificate Secured Loans
With your certificate secured loan you can borrow 100% of your certificate's principal balance for a variety of terms at 2.00% APR above the certificate's rate.
Amount:
- Cannot exceed the certificate balance;
- Must be equal to or less than the certificate term.
Terms:
Up to 60 mo. Certificate rate + 2.00%
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Business Loans
Lowest cost
Loans
Auto Loans
Debt Consolidation Loans
Student Loans
