Personal Loans For Good Credit and Bad Credit

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Good Credit Loan Matching

Better Loan Choice reviews the information contained in your loan application and, if you meet certain requirements, we then match you with the lender or lenders from our network of participating lenders who provide loans to borrowers with "good credit" (which is generally defined as a credit score of 640 or higher) who we believe are most likely to offer to you a loan at a competitive rate based on our assessment of your information. Some of our "good credit" lenders are peer-to-peer networks and traditional lending institutions.

Personal Loan Information and Security

We know that entrusting your personal information to others can be stressful, especially online! We want to ensure you that we take our obligations to protect your personal information seriously. We use security best practices to protect your data including the use of 256 bit encryption on all of the pages on which you provide your personal loans application data. Please see our Privacy Policy and the disclaimer entitled “Important Information About the Services Offered by and How the Information You Provide to Us Will Be Used”, which appears at the bottom of this page, for information about the use and disclosure of your personal information.

Bad Credit Loan Matching

Better Loan Choice will analyze the information you provide in your application and match you to an appropriate lender. Finding loans for borrowers with bad credit can be challenging, but through our network of lenders, we have been successful. Although we are always able to match an applicant with a lender, this does not guarantee that you will receive a loan offer. If you are matched with a payday lender (also known as a "cash advance lender"), we recommend that you review all of the information on our website that explains the disadvantages of payday/cash advance loans and all fee and rate information from any payday/cash advance lender pertaining to any loan being offered to you before you agree to the terms of the loan from any lender.

Please Contact Us If You Have Questions

We put our address, phone number, and e-mail address on our website for a purpose -- we want to make it easy for you to contact us if you have any questions or concerns or if any issues arise during the application process that you wish to discuss with us.

If you are matched to a short-term lender please read the following important information:

Consumer Notice: A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower’s expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult the federal, state, and local governments to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state. Consumers with credit difficulties should seek credit counseling, which we do not provide.

Payday or Cash Advance Lenders

When you are matched with one of our payday lenders, you can expect your APR to range from 353.23% to above 700%.

Short-Term Lenders

When you are matched with one of our short-term lenders, you can expect your APR to range from 199.44% to 448.76%.

Financial Implications

The following is a representative of our network of participating lenders: If you are unable to repay your loan in a timely manner, you may be assessed one or all of the following, according to the terms of lenders - late fees, administrative fees, non-payment fees, insufficient fund fees, court costs, and legal fees. In addition, unpaid fees may accumulate interest. The lender you are matched to will disclose all potential fees. Fees may range from $25 to $2,000 based on applicable state law maximums.

Collection Practices

If you are unable to repay your loan, collections efforts will be undertaken in accordance with the terms of your lender but may begin immediately. Collections practices vary by lender, and all lenders are subject to the Fair Debt Collection Practices Act. For example, debt collection efforts may include the following: telephone calls to your home or place of employment between the hours of 8:00 a.m. and 9:00 p.m., voicemail messages, notices by mail, and door to door. However, debt collectors may not harass you, make false statements, threaten arrest, or engage in any other unfair practices.

Credit Score and Timely Payment Implications

Please take time to understand the ramifications - set by the terms and conditions of your lender - if you fail to make timely payments. For example, if you fail to pay your loan on a timely basis, your lender may report your delinquency to a credit reporting agency. If the lender reports your delinquency, your credit score may decrease. If your credit score decreases, your cost to borrow in the future may become more expensive and, depending your level of debt and other factors, you may be unable to borrow money from any lender in the future. Please be aware of the implications of failing to make timely payments. You should ask your lender - if you are approved - specific questions regarding ramifications about timely paying back your loan.

Renewal Policy

Depending on the lender you are matched to and in accordance with state regulations, you may be able to renew your loan. Your loan agreement may give you the option to renew your loan manually or automatically. In some cases there may be administrative fees associated with renewals. Renewal fees may range from $20 to $100 depending on the size of your loan and your matched lender's terms. Review the section titled Financial Implications if your renewal is connected to your inability to repay the original loan. Again, please become familiar with the terms and practices of your lender.