Category - Loans

Useful Tips, Articles on Personal Finance

The Truth about Payday Loans: A Balanced View

Payday loans have a very bad reputation. Even so, they do meet a need. They provide short term finance for people who may be unable to get loans from banks. People with a bad credit rating or a low income can find it difficult to borrow money. Yet, there are times when they need to[…]

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Tips for Coping with Student Debt

Are you having difficulties in paying your student loan? Do you think that it is impacting your mental and physical health? You are not alone. Many are going through this phase. It would help if you acted intelligently to minimize the stress and pay your loan on time. You might find it a bit hard[…]

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3 Ways New Tech in Loan Industry Will Benefit Customers

Technology has revolutionized the loan industry completely. About three decades ago, the process of getting loans from financial institutions was long and cumbersome. There were so many barriers that made it difficult for an average American to access a loan. Getting a loan from financial institutions was a privilege enjoyed by those in formal employment.[…]

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Material Disclaimer: Slickcashloan.com website’s owner doesn’t lend or represent any lender or provider of such service, doesn’t make decisions regarding credits or loans, and isn’t implicated in any way in the process of lending. Slickcashloan.com is a platform that connects potential loan borrowers with reliable and reputable loan lenders. It doesn’t regulate the lending process hence isn’t liable for the actions of the lenders. The particular lender offering the services is responsible for and controls loan terms, rates, fees, loan amount, terms of repayment, legal actions for late and non-payments, as well as cash transfer times.

 

APR Disclosure: An APR (annual percentage rate) refers to the specific rate at which loans accrue interest and is generally based on the cost, amount, and loan period, as well as the prescribed payment timing and dollar amounts. Any lender that offers loans to consumers must by law show a borrower the exact APR charged for the loan and all loan terms prior to the execution of any loan agreement. Certain states may have specific laws that limit the APR that lenders may charge any borrowers. The actual cash advance loan APR ranges from 200 percent to 1386 percent, whereas the APR for installment loans ranges from 6.63 percent to 225 percent. However, loans made in those states with no laws regarding APR limits for loans and any loans made by lenders that are not currently subject to state laws in these regards could carry even higher APRs. PLEASE NOTE: All APR rates on cash advance loans may be subject to change at any time.

 

State Regulations: Borrowers in some states might not be eligible to apply for some online loans. Additionally, loan services aren’t available to all jurisdictions or states.

 

Credit Implications: Lenders on slickcashloan.com can review a borrower’s credit history when making the lending decision. This process can involve contacting an applicant’s credit bureau to determine their credit aptitude, worthiness, and standing.

 

Loan Approval: Slickcashloan.com doesn’t guarantee approval of any loan. This website is just a platform for linking borrowers and lenders. Therefore, the decision to approve or not to approve the loan depends on the lender.

 

Borrowers Beware: Short-term lending is intended to address financial needs for a short time; hence, it can’t be used as a long term solution. Short term loans come with some costs that may make a borrower’s financial situation worse. Applicants are advised to consult with a financial expert about the risks involved in taking a short term loan and the best alternatives.

 

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