Online Loans
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Online Loans
Loans have helped many people get out of unwanted situations or difficult expenses. Nowadays, thanks to online loans, you can get the money you need much faster.
Of course, the main advantage of online loans is that the entire procedure can be performed from the comfort of your house. You don’t have to get up to meet with various lenders and decide which one is the best for you.
Types of online loans
We can provide you with three types of online loans and these are payday loans, personal loans, and bad credit loans.
When it comes to payday loans, the maximum amount you can borrow is $1,000 and has to be repaid, as the name implies, with your next payday. In case you need personal loans – also known as installment loans – then our lenders can lend you up to $3,000. This sum is repaid in a fixed period of time – but it is usually limited to 24 months. Also, it has a fixed interest and comes with payments that are made monthly.
When it comes to bad credit loans, you can borrow up to $1,000 that have to be repaid in one month.
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Advantages of online loans
But you might wonder why you should choose online loans instead of the classic go-to-an-office-and-talk-with-a-lender loans. Well, here a few reasons why.
First of all, they are very convenient and require little to no effort on your side. Just fill in the blank spaces, send the request, wait for an answer and if you are approved, you can enjoy your money right away.
Online loans also come with lower rates. This is mainly because the lenders don’t have to rent an office space and practice their work – which would mean increased expenses for them and, therefore, increased rates for you.
Also, the interest rates are not fluctuating, like with many other classic loans. This means you will always know exactly the sum you have to pay back to the lender at the end of the month. Furthermore, it is known that it is much easier for you to get a loan if you decide to apply for it online.
As it is the case of our bad credit loans – you won’t even have your credit checked. All you have to do is apply for a loan, comply with the requirements and you are all done.
The bottom line
We live in the age of technology and the Internet. Basically, everything happens online these days. So, it makes sense that you could also apply for loans from the comfort of your house. Thus, if you need money asap, you can just browse the world wide web or visit our site directly, see if you meet the requirements (18 years of age, steady income, American citizenship, etc.), apply for a loan and get the cash in your bank account. It’s as simple as that!
If you choose online loans as your preferred method of borrowing money, you are guaranteed a simple, fast and secure procedure.
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Disclaimer
Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.
The owner and operator of Cybotex.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designedonly for amatching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presentedon the website for information purposes only. Cybotex.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. Cybotex.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. Cybotex.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.
APR Representative
APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since Cybotex.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, Cybotex.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant.
CybotexAdditional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with Cybotex.com and Cybotex.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.
Late Payment Implications
It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.
Non-payment Implications
Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.
Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.
Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.