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Another advantage is that the funds are deposited directly into your bank account as soon as the next business day!
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What is a personal loan?
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 5 years. Our simple loan request 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: (i) must be at least 18 years old; (ii) a U.S. Citizen; (iii) currently employed or receiving a steady income; (iv) have a bank account to receive the funds, ideally with direct deposit.
Fees and Interest
SecureSpeedyLoans.com’s 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.
The personal loan lenders in our network work nationwide and continuously try to offer you the funds you are looking for. These loan products may have 61 day minimum and 72 month maximum repayment terms. The Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates the amount and timing of value received by the consumer to the amount and timing of payments made. SecureSpeedyLoans cannot guarantee any APR, since we are not a lender. When accepting a loan from a lender in our network, the lender can provide a different APR than the range displayed. An APR can run up to 35.95%. Please check the loan disclosure before submitting and signing the agreement for your loan.
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.
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.
How It Works
Fast, easy and secure Online Form.
SecureSpeedyLoans 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 SecureSpeedyLoans 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.
Representative Example: For a $35,000 36-month loan at an interest rate of 5.99% with a 1.5% origination fee of $75.00, you will receive a loan amount of $4,925.00 and will make 36 monthly payments of about $154.37 at a 5.99% APR. Total loan cost would be $5,557.26.
Frequently Asked Questions
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 fill out our form. Follow the short process and if you are approved, receive your cash loan!
Are there any Fees?
SecureSpeedyLoans’ 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 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?
What if I'm late or skip a payment?
Lenders may be usually forgiving if you contact them directly. Though some may automatically add a fee if it is in the agreement. Please contact the lender directly if you will have an issue paying an installment.
How/when do I repay the loan?
Please check the loan agreement from your lender for specifics on this, as each loan may vary.
What is "APR"?
APR stands for Annual Percentage Rate and represents the total cost of credit as a nominal yearly rate. As APR is calculated based on interest as well as any other fees charged by your lender, it is often not equal to the annual interest rate. The interest, fees, and APR applicable to your loan will be provided to you in writing, please carefully read the terms provided by your lender to ensure you are prepared for any fees and interest that may apply. Just fill out our Online Form and follow the short process. If you are approved by a lender, you will receive your cash loan!