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PERSONAL

LOANS:

Up to $100,000 from 3.49% APR as Soon as in 1 Day!

Aproximately 61% of the American population lives pay check to pay check, this means they must rely on loans and credit cards.

Even if they have savings, there are always big expenses that are hard to pay without the help of some kind of financing. Although there are several options how you can use your personal loans, these are some of the most common ones :

The loans our affiliates offer are up to $100,000 from only 3.49% interest rate. These loans can be quite useful, but they must be used with responsibility because if you don’t pay off your balance, it might end up hurting your credit record and your options to get loans in the future.

Compare with SuperDinero personal loans from

APR:

3.49%

Compare with SuperDinero personal loans without endorsement up to:

$100,000

How many options for loans are there in SuperDinero’s

network:

75+

The requirements to apply to a personal loan through SuperDinero are the following:

  • Have a source of income of minimum $850/ month.
  • Have an address inside the US (rented or bought).
  • Have some bills (electric, phone) that verify your address.
  • Have a social security # or ITIN (If you’re in  CaliforniaTexasArizona or Illinois you do not need SSN or ITIN to apply personal loans with no guarantee).
  • If you don’t have SSN or ITIN and you don’t live in CA, TX, AZ or IL you can apply to loans to buy a car and personal loans with car title.

How do Personal Loans Work?

Personal loans are financial tools where a lender gives a credit for a determined amount of money to another person (the debtor). The debtor agrees to pay back the original amount plus interests and other costs associated with the loan in an established time frame in accordance to the agreed upon terms.

Always make sure you understand and agree to the terms before you accept. The terms such as the interest and the term may change according to the following factors:

The main factors that determine whether you can apply to a loan are your monthly income, debt level compared to your income level, and your credit history.

Even though there are many lenders that don’t base themselves on your credit (specially the personal loans for people with bad credit) it is always good to understand the 5 factors that affect your credit score and how to improve them. By bettering your credit, this helps you to save a lot of your finances since you will be able to apply to the best loan terms available.

PS: In case the lender wants to check your credit remember to ask what type of credit check they will do, since soft pull checks do not harm your credit score, but hard pull checks do lower your credit score temporarily.

 

Personal Loans According to your Credit History

Although getting loans is easier for people with good credit records there are still many options for people with bad credit or that only need a short term loan sue to some emergency We have created a list of the possible personal loan terms you may get according to your credit history, and we have included more info on how you may apply to these:

  1. Excellent Credit : If your credit record is between 670 and 850 you may qualify to the best personal loan terms in the US. An estimate of what you might apply to is amounts up to $100,000 with interest rates tarting at 3.49% with terms of 12-84 months.
  2. Good Credit: If your credit is between 620 and 670 it is considered good. By having good credit you may still apply to good loan terms, but what might change is the amount you qualify for and the interest rates. An approximate would be: amounts up to $50,000 with interest rates of 7.99% and repayment terms of 12-84 months.
  3. Regular Credit: If your credit record is between 580 and 620 it is considered regular credit. An estimate of the loans you may find are: Up to $25,000 with interests of 14.99% and terms of 12-84 months,
  4. Bad Credit:  If your credit record is lower than 580, it is considered bad credit. Getting a loan with bad credit is harder since you are seen as a ‘at risk’ client for the lenders,(read more about loans for people with bad credit), but it is still possible to find your loan. An estimate for the loans you may apply to is: Amounts up to $5,000 with interests starting at 19.99% and terms of 2 weeks to 36 months.

Where can you Apply to Personal Loans?

We work with companies all across the 50 states, but in certain states we count with more options. Read more about these states in the following articles:

 

 

 

  1. Florida: MiamiOrlandoHialeahDoralFort Lauderdale y Tampa
  2. California: Los Angeles San DiegoRiverside,  Ontario,  San FranciscoOakland y Santa Ana.
  3. Texas: HoustonSan AntonioAustinEl Paso, DallasArlington y Pasadena.
  4. Nuevo Mexico
  5. Nevada
  6. Illinois: ChicagoElgin y Aurora.
  7. New Jersey
  8. New York
  9. Georgia
  10. Pennsylvania
  11. Virginia
  12. Massachusetts
  13. ArizonaTucson, Phoenix y Mesa.

FREQUENTLY ASKED QUESTIONS

1. THE INTERESTS ON PERSONAL LOANS ARE ANNUAL OR MONTHLY?
The interests on personal loans are usually offered in annual terms, even though payments are done monthly. For example: The personal loans with which SuperDinero works with start at 3.49% annual interest,
2. WHAT ARE THE REQUIREMENTS TO APPLY TO A CAR LOAN?

The requirements to apply to a personal loan vary with each company. Superdinero works with lenders for all kinds of credit, so the base requirements are the following:

  1. Have a monthly income of 850/months (before taxes).
  2. Have an address in the US (rented or bought).
  3. Have an ID. It can be: SSN ITIN, consular registration, Passport, etc. (requirements may vary on the state you live in).
3. HOW LONG DOES IT TAKE TO APPLY TO A PERSONAL LOAN?
The time it takes to apply to a personal loan varies from company to company. With Superdinero applying takes 2 minutes and the response is immediate. If you go to a bank or other companies the application and approval process can take from 3 to 7 days or more.
4. CAN I APPLY TO A PERSONAL LOAN IF I HAVE BAD CREDIT?

Even though there is a chance you’re not approved for a  persona loan with bad credit, you can always apply through Superdinero. We work with lender that offer payday loans and other loans for people with less than perfect credit.

There is nothing to lose since applying is quick and free of charge!

5. WHAT CAN I DO IF MY LOAN WAS DENIED?

5 BEST PERSONAL LOANS

LENDER

TERMS

MORE INFO

Best Personal Loans in the United States_ Discover Personal Loans

$1,000-$35,000

6.99%-24.99%

Best Personal Loans in the United States_ SoFi

$5,000-$100,000

5.99% – 20.69%

Best Personal Loans in the United States_ Lending Club

$1,000-$40,000

8.05% – 35.89%

Best Personal Loans in the United States_ Marcus By Goldman Sachs

$3,500-$40,000

6.99%-19.99%

Best Personal Loans in the United States_ Apoyo Financiero

$750-$15,000

14.99%-35.99%

JOIN THE MORE THAN 200,000 CLIENTS WE HAVE HELPED!

Carla - Miami, FL

“Gracias a Super Dinero y un excelente servicio de parte del agente Beatriz pude resolver mi problema financiero. Gracias por su ayuda gratuita y por estar pendiente dia a dia de mi caso :)”

SuperDinero Testimonio Carla

Hilda - El Paso, TX

“Muchas gracias a la agente Ana por su atencion y a superdinero por facilitarme el prestamos. Superdinero es real yo lo recomiendo y mis recomondaciones 1000×1000 para la agente Ana…Gracias!!”

Jose - Oakland, CA

“Gracias a SuperDinero por haberme encontrado un préstamo en menos de una hora y gracias a la agente Yessenia por su paciencia y haberme asistido a encontrarlo.”

The Blog

In this section we add weekly articles about ideas for savings, financial news, strategies, and many other resources to help make you and your wallet happy. Click on our blog to learn more about any of these  🙂

OTHER RESOURCES

For personal loans we always recommend to check with the  CFPB (Consumer Financial Protection Bureau) and FCC (Federal Communications Commission). These sites offer financial news and tips on how to avoid frauds online: