Do you need a personal loan, but are having trouble finding one? I’ve been in that situation before. Credit is the name of the game in many cases, and lots of times, when you don’t have good credit, you won’t be able to get loans. But, with SecondChanceLends, you’ll be able to get the help that you need, and you can even get larger amounts of personal loan funding in order to help you pay off debt. It’s SIMPLE and SECURE funding and in 4 easy steps, you’ll have your loan!
To fill out an application and see if you can apply, you can check out more information here.
Second Chance Lends is a lending platform that allows for a simpler and more convenient means of borrowing money up to 10,000 dollars. You’re essentially working with various lenders all throughout the nation, and you can connect with a lender that can give you the funds you desire in moments. How does it work?
What I love about this is that it’s actually super seamless, and essentially, you need to do the following:
- Fill out a form online
- Get requests and approval
- Get funded by the lender
- Get the money within the next business day
- You can choose how you want to pay it back over time
The cool thing about this is that you can pay this off over a period of 12-60 months. That means, you don’t have to be strapped for cash all the time because of your loans, but you can budget this easily.
With these loans, you’re essentially going to be connected. You can always opt out of a personal loan offer if you don’t want to go with them. If you do that, however, you’ll need to talk to another person and resubmit the application in order to do this.
The nice part about this is that if you don’t want to have to worry about paying it back, you can actually have it auto withdraw out of there, along with application fees and other interest that are there. If you do need help repaying it, you can contact to ask about extensions, and from there, you’ll have to adjust the contract. However, it’s honestly quite easy to pay, and customers usually can see a credit counselor if there are credit problems.
The Benefits
A super easy online form that can be done in minutes, you just need to qualify why choose this loan company? Well, I noticed that there are some great benefits that other companies don’t typically use, and they are the following:
- Super fast response time, meaning you’ll get your answer in minutes instead of days
- The money is super fast, and it goes to your account within the next business day
It’s super simple to get it done, and you should definitely try it if you need a quick loan.
To get loans, it essentially involves four sets of questions, and they are the following:
- Saying who you are, including information for others in the network to know
- Tell how much money you need, whether it be a small loan or loans up to 10,000 dollars
- telling about the occupation, how much your regular income is, and your age in order to see if you qualify
- The place for your loans to transfer to
If you can safely answer all of those questions, then you can definitely get a loan really quick. I was surprised at how easy it was, because typically getting a loan is a big issue, and it can be a huge debacle, but they make it seamless so that you’re not just sitting around twiddling your thumbs in hopes that you get the loan.
I needed a loan really badly. I was struggling to pay off my bills for my dog who was sick, so I needed to find a great loan provider. The thing that stinks is, I didn’t have good credit, so banks kept denying me. They also saw me as young and irresponsible, even though really, my biggest issue was that I just couldn’t afford the pet surgery fees. My Story
So, I checked out SecondChanceLends, and I learned about others who needed a loan right away but may not have qualified otherwise. The cool thing about this is that they don’t look at your credit, but instead, they look at other places, and they determine from there.
The process as simple, and it only involved a few steps to get this done, and they were:
- I filled out the application to the best of my ability
- I got connected to the person who could help
- They sent me the loan amount, and the terms and conditions, including repayments and interests, and I agreed to it
- I got the money the next day
I was able to pay for the surgeries, and ultimately save my dog’s life. Repaying it was honestly super simple. They make it so that you’re able to realistically pay for everything, so that you’re not just sitting here, floundering about in hopes that you can pay off your debts. That’s what I love about this, the fact that it’s so seamless to pay for everything, and I don’t regret using SecondChanceLends.
Any particular Rates and Fees?
The cool thing with these loans, is that they can be paid either monthly, or bi-monthly, depending on the terms of the lenders, and the personal preference that you have. Usually, though, you can put these onto auto-pay, which is actually really nice. For many people, being able to pay it bi-monthly has benefits, and in my case, it included the following:
- I could get out of debt faster
- My loan was repaid faster
- Way less interest
Interest is usually what kills the loans for many people, but with SecondChanceLends, I was able to take care of the payment, and I was able to have a decent interest rate that was much lower than what the going rate was for other loans that were provided by institutions.
With the small-dollar loans, however, one thing that I do suggest is always checked to see how much you can borrow in your state. These differ from personal loans since the rate is somewhere under 1000 dollars, usually around the 500 range. But, you need to focus on the APR.
APR is what the percentage rate is when you borrow the money, and usually, this amount can determine the length of the loan. Short-term loans are anywhere between 169%-1.825%, which in many cases can be higher than traditional APRs on loans. While the APR might be higher on short-term loans, it honestly may be for the better if you need a short-term loan since it can help with the following:
- Prevents you from missing payments
- Can stop bounced checks
- You can become familiar with loans in order to regulate them
Personally, I only would call on these if you really need it. The personal loans work great for me because I was able to use that money to help with my dog, but I needed a bigger loan repayment. The APR on that wasn’t too terrible, and interest wasn’t huge. So, I could pay it off. I also was happy with the way it was done, and I had it repaid fast.
The consequences of Late Payments isn’t as Terrible
Late fees are never fun, but with Second Chance Lends, they aren’t as expensive as other loan repayments might be. Lots of times, you are given a warning, and you should contact the lender. However, the lender follows state regulations and their own policy for handling late payments. When you’re worried about this, do make sure that you repay it, since you don’t want to be late.
If you are late, however, the consequences are the following:
- Some fees, around 15-40 dollars per 100 dollars borrowed
- Collections if you really don’t contact them through email, phone, or text
- You may have to go through debt collection if you really can’t repay it
- You may have to report this to the credit bureau, affecting your credit score
- Automatic renewing of the repaying of the loan if it hasn’t been paid yet
These are all consequences if you don’t repay it right away, but the thing is, the payments are ultimately very simple to keep up with. I noticed that they’re much easier than larger loan terms.
And the nice thing about this is that in many cases, you’re paying far less on your loan, especially in terms of how much you pay monthly than if you were going through a big financial institution. They tend to bump up the interest on larger loans, so if you want a loan that works well, that pays for itself, and one that’s super easy to pay back, then this is it.
I learned a lot about loans and how to repay these, which is great for me because I feel like it’s a good skill. I also was able to keep up with my payments almost all the time, meaning that I was able to easily and without fail, get everything taken care of. I am definitely happy about this, and I feel like I can take on the world.
Build up your own personal goals, take care of those emergencies, and start getting the loans that you want today. They can change your life, and really, the rates and fees are nowhere near as bad as other loan companies may make it out to be.
The nice thing about this is that you honestly don’t need a credit report in order to qualify for this. I was a bit worried initially, because I didn’t have a credit report, and my credit stunk, but, I looked at the criteria, and I was able to learn yo only need a few things. What do I need to Qualify?
To get a personal loan, you need the following:
- Be at least 18 years of age
- Have a social security number
- Be a US citizen
- Have a steady income source
- Have a good bank account for repayments and deposits
- Have a valid phone number and email address
- Meet the minimum income requirements
These are all actually pretty easy, and I was surprised at how much I qualified for. I was able to get the money, and pay off a few things easily, and pay off the loan as well. You also don’t want to have anything overdue, nothing that’s bankrupt, and have a good history of repaying for a certain period of time. But, if you need the cash fast, this is a great way to do it.
Lending Made Easy!
Lending has never been easier, and if you’re looking to get a loan fast, then let SecondChanceLends take care of you. They’ll approve of loans you wouldn’t get otherwise, and give you the ability to have financial freedom. If you’re ready to take your life back into your own hands, and get out of debt, or to get that little extra boost in order to start your dreams, you can do it with this company, and the best part is that credit doesn’t play a part in it. So yes, if you’ve been looking for a lender that won’t judge you based on credit, this is ultimately the way to go.
To fill out an application and see if you can apply, you can check out more information here.
But don’t sit on this. If you have dreams you want to achieve, small debts you’d like to take care of, and also handle small emergencies, then let these loans help you out. You owe it to yourself to make sure that you get the money you need in order to be successful, and you can always ensure that you’re getting the lending help that you need immediately so that you’re not holding yourself back anymore and instead of reaching for your dreams and fixing your life.