Personal loans offer a variety of benefits that make them a smart choice for many borrowers. Some of these benefits include lower interest rates on new and existing debt, flexibility and an opporunity to pay off debt faster.
If you currently have credit card debt or other types of debt with high interest rates, you may be able to save money with a personal loan. Personal loans often feature interest rates that are much lower than the rates charged by credit card companies. You can use your personal loan to pay off your credit cards, thus saving yourself a significant amount of money in interest.
Even if you don't have an existing debt, you can still benefit from the lower interest rates offered by personal loans, as you will never be required to pay the higher rates charged by credit cards.
Personal loans are flexible, and you can use them for almost any purpose. They provide you with cash, which means that you can pay any vendor, even if the vendor doesn't accept credit cards.
If you have existing debts, taking out a personal loan may help you to pay your debts off faster. Because these loans charge lower interest rates, your balance will decrease more quickly as you make payments.
Important Disclosures. Please Read Carefully.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. 35cash.com is not a lender or lending partner and does not make loan or credit decisions. 35cash.com connects interested persons with a lender or lending partner from its network of approved lender(s) and lending partners. 35cash.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. 35cash.com receives compensation from its lender(s) and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, 35cash.com’s service is always free to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where 35cash.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. In some cases, you may be given the option of obtaining a loan from a tribal lender or lending partner. Tribal lender(s) and lending partners are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender or lending partner, please understand that the tribal lender’s or lending partner’s rates and fees may be higher than state-licensed lender(s) and lending partners. Additionally, tribal lender(s) and lending partners may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender or lending partner, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
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Lender’s or Lending Partner’s Disclosure of Terms.
The lender or lending partner you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. 35cash.com has no knowledge of or control over the loan terms offered by a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender or lending partner immediately and discuss how to handle late payments.