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Frequently Asked Questions
What Are Guarantor Loans?
From the name itself, this type of loan requires a guarantor for you to be able to apply. Guarantor loans require a guarantor to co-sign the loan agreement before it is awarded. If the borrower fails to pay the debt, the guarantor takes responsibility to make sure that it is fully repaid.
What is a Logbook Loan?
For this type of loan, lenders will require the borrower to pledge an asset as a security deposit. Borrowers may pledge their vehicle as collateral for the loan. The borrower may still use their vehicle, however, defaulting on the loan allows the lender to seize and sell the vehicle to pay off the debt.
What is a Payday Loan?
A payday loan is also referred to as cash advances, small-cash loan, cash loans, etc. This type of loan allows the borrower to borrow a small amount of cash that can be tied to their next paycheck. It is relatively easy to obtain and does not require complicated documents.
What are Unsecured Loans?
If you don’t have a collateral to pledge, you can apply for an unsecured loan. Unsecured loans are types of loans that are easy to obtain and requires no collateral. It is the perfect cash assistance fund you can get for emergencies. However, most unsecured loans have high-interest rates compared to secured business loans.
Do I Need A Guarantor?
If you have a bad or non-existent credit, applying for an unsecured loan may require a guarantor. Since unsecured loans won’t require you a collateral, it is an added security for lenders to have borrowers provide a guarantor. However, if your credit is good, some lenders would no longer require one.
How Fast Can I Receive The Funds
The application process could only take minutes, from start to finish. Once you have been approved, the money will be sent to your checking account, automatically. It would only take about 2 minutes to have it deposited.
What If I Miss My Payment?
While it is common for borrowers to miss a payment once in a while, it is not recommended to delay paying off your monthly dues. Not only that it will incur additional fees and charges, but it will also affect your credit severely. If you find it difficult to pay off your loan, reach out to us so that we may be able to provide options.
What If I Lie On My Application?
Lying on your loan application is highly prohibited. Once a lie has been caught, you may face charges and you might end up in jail for falsifying documents. The lenders can also void or nullify your loan agreement. this will also prevent you from getting better credit opportunities in the future.