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personal%2520loans%2520up%2520to%25201000 - AmericanC&L 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 - you may still be approved for a payday loan even if you have bad credit or a past bankruptcy. A consumerâs credit history is not the only thing that is checked by the lenders when considering the application of a lender but it is one of the two most important things. Another important factor that they consider is the debt to income ratio of an individual. To put it simply, this is how much an individual is earning placed against the amount of debt that a consumer has. If a person is earning a lot for example, but if he also owes a lot that almost nothing is left from his monthly earnings because it all goes to debt payments, then the high income is negated in some way. That and the personâs credit standing are the important factors considered when a consumer applies for a loan.
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Please note that, while certain lenders may offer up to 100 days to repay a loan, a 100-day repayment period is atypical. Most consumers can expect a significantly shorter repayment period. 100 Day Loans encourages you to confirm your loan repayment period with your lender prior to finalizing the loan. Spot Loan My Account The APR for a fast cash loan can range from 220 percent to 2,320 percent depending on how exactly that rate is calculated as well as other variables including the loan term, loan renewal options and any fees that are incurred (nonpayment, late penalties, etc.). Please note that the annual percentage range is not the same thing as your finance charge, which your lender will disclose to you at a later juncture in the loan request process. Earn fixed income every month.
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