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Loan Experts 360 is here to help.

Need to consolidate debt? Renovate your home? Take a vacation? A personal loan may be a viable option.

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What Are Personal Loans?

A personal loan is simply an installment loan, which is repaid over an extended period of time with a set number of scheduled payments. Loan amounts range between $500 and $10,000 depending on the lender and state. Below are a few of the reasons why this is the case:

Our goal is simple: to get you the personal loan you need so that you can buy the things you want. To help us achieve this goal, we have made the process of acquiring a personal loan fast and easy from start to finish. The first step is to fill out a brief loan request form here on our website, which can take just a few minutes. As long as you meet the basic borrower eligibility requirements, you can submit your request for a personal loan.

Eligibility Requirements

The requirements that a prospective borrower must meet to be able to request a personal loan are simple and few in number. They include the following:

Please note that meeting these requirements does not mean that you will be connected with a lender.

After you submit your loan request, we search our network for lenders for an available loan option.

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Convenient Loan Disbursement and Repayment

If your request for a personal loan has been approved, your lender will ask that you review and sign the agreement so that your loan can be processed. In most cases, your funds can be deposited directly into your bank account via electronic fund transfer in as little as 1 business day.

Loan repayment is just as easy, as your lender, once the due date rolls around, can simply withdraw money electronically from the same account into which they originally deposited your funds. In case your loan period ends and money is not in your account to repay the loan, make sure to contact the lender ahead of time so you can inquire about an extension. Many lenders will offer extensions so individuals don’t risk damaging their credit because of non-repayment.

Safety and Security

LoanExperts360.com prides itself on providing consumers with a fast, simple, safe and reliable loan process. We are dedicated to protecting the privacy of individuals who seek out assistance, and those who request loans online can feel safe knowing their important information is protected at all times.

There are a lot of lenders who offer personal loans; LoanExperts360.com can help you connect with a lender.

Note: Loan size, APR, and re-payment term will vary by state and lender.

APR - Representative Range Explanation

APR stands for Annual Percentage Rate which represents the annualized interest rate that you are charged. LoanExperts360.com is not a lender and is not responsible for funding personal loans but refers consumers to lenders who specialize in personal loans. LoanExperts360.com does not charge any fees for this service. LoanExperts360.com is not able to supply you with the exact APR that you will be charged by your lender. APRs can vary based on the information that you supply in your loan request as well as the information that your lender supplies. Your lender will provide you with details on the APR, loan finance charges and other terms when you are redirected to your loan agreement during the loan request process. For help with any LoanExperts360.com-related services consumers may Contact Us.

Depending on the lender, state, and customers credit worthiness, the APR for a personal loan will vary, with some lenders offering rates between 5.99% and 35.99%.

Personal loan ranges in the LoanExperts360.com lender network range from $500 to $10,000

Financial implications (Interest and finance charges)

If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. LoanExperts360.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you.

Implications of non-payment

When you accept the terms and conditions for a particular loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time specified in the documents that your lender supplies. Additional charges or fees may apply in the event that you are not able to repay your loan in full or make a late payment. LoanExperts360.com cannot predict the amount of the charges or fees that you will incur as a result of partial payment, late payment or nonpayment. LoanExperts360.com has no control over knowledge of the loan details between you and your lender. Please refer to the partial payment, late payment and nonpayment policies detailed in the loan documents that your lender provides you with. LoanExperts360.com does make an effort to work only with reputable lenders who are committed to pursuing collections of past-due accounts in a reasonable and fair manner.

Potential impact to credit score

LoanExperts360.com does a soft credit inquiry on all potential borrowers; this type of inquiry does not show up on an individuals credit file as a standard inquiry. Some members of the LoanExperts360.com lender network may choose to conduct a nontraditional credit check in order to determine your eligibility for a loan. Lenders will more than likely conduct a credit inquiry with any of the three major credit reporting agencies (Transunion, Experian and Equifax). Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit reporting agencies, which could have a negative impact on your credit score. LoanExperts360.com encourages consumers with credit problems to consult a Credit Counseling company.

Collection Practices

LoanExperts360.com is not a lender and does not engage in debt collection practices. Your lender will disclose their collection practices to you in their loan documents. If you are not sure of the collection practices used by a specific lender we recommend that you discuss this issue with the lender directly. LoanExperts360.com makes reasonable efforts to only work with established, reputable lenders who pursue collections of past-due accounts in a fair manner.

LOAN RENEWAL POLICIES

Loan renewal policies are largely governed by state regulatory laws. Loan renewal options will be presented to you by your lender prior to your acceptance of their loan offer. Please be sure to carefully read the renewal policy presented to you before you sign the loan documents.

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How It Works


3 Easy Steps

1. Complete the Short Loan Request Form
2. Our Network of Lenders Reviews Your Request – You Can Get a Loan Offer
3. If Approved, Review and Accept Your Loan – All Conveniently Online
Remember, our service is free and you’re not obligated to accept any loan offer.

Eligibility:

You do not need to have a perfect credit score to be eligible for a bad credit loan. Customers with poor credit may still qualify for a loan; however, our lenders do not typically provide loans over $1,000 to bad-credit individuals. Please note that meeting these requirements does not mean you will be connected to a lender.

Requirements:

Loan Process

  1. Our loan request process is designed to connect you with the lender from our network who can assist with your financial needs. If successfully connected, our lender network will verify your information quickly and review your loan request.
  2. Depending upon the information you provide, a lender might respond with a loan offer. You should take your time in reviewing all details of any loan you’re considering. You will not be obligated to accept the offer if it is not the right offer for you!
  3. When you decide to accept your loan, just agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)
  4. Once you add your electronic signature to the lender’s contract, they will distribute the loan funds to your checking account via direct deposit. All funds should be available as soon as the next business day, however, the exact availability timeframe will depend on your lender’s deposit process.

Repayment:

The lender will present you with the repayment schedule and you will be able to repay your installment loan off over time rather than all at once.

That’s all there is to it! Our lenders require no collateral, and you will not be denied a loan solely based on a poor credit history. Your steady income and checking account is the only security required.


Example of Representative APR

1. Borrowing $2000 over a 12 month period will cost you around $235 a month with a total cost of credit of $2400

2. Borrowing $4000 over a 24 month period will cost you $270 a month with a total cost of credit of $5615

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Frequently Asked Questions

Loan Experts 360 is not a lender – we take your short-term loan request and work with our nationwide network of lenders and financial service providers to try to find a loan offer for you. There is no cost for using our service.

If you have a question about using our service, you may find the answer below. If you can’t find the answer you’re looking for, you are welcome to contact our customer service team by email at info@mediaexperts360.com.

1. What is Loan Experts 360?

Loan Experts 360 works to connect customers with short-term loan options, which help provide extra cash in times of need. Short-term loans are meant to be used only as a last resort option and paid back on or before a borrower’s next paycheck. Loan amounts are typically between $500 and $10,000.

2. HOW DOES THE SITE WORK?

Customers simply fill out our secure online form, then hit the Get Started button. From there, your protected data will only be shared with lenders and financial service providers in our network. If you are connected, you will be presented with the next steps to complete your loan request. Also, typically within a few minutes, if approved, you will be contacted by the lender via email or phone. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline.

3. WHY DO YOU NEED MY BANKING INFORMATION AND SOCIAL SECURITY NUMBER?

Because the lenders in our network need to be able to make a decision on whether or not to offer you a loan, banking and social security information is necessary for them to be able to provide you with an answer on your request.

Loan Experts 360 provides a secure website and we handle all personal information with great care, as described in our Privacy Policy. We are also a member of the Online Lender’s Association and are compliant with all state and federal consumer and credit laws.

4. IS MY CREDIT CHECKED?

Loan Experts 360 does not perform credit checks. However, we cannot guarantee that a credit check or consumer report will not be performed by a lender.

5. WHAT ARE THE RATES AND TERMS?

Only a lender can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and if you are connected with a lender. Loan Experts 360 does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

6. WHY DO I KEEP GETTING HARASSING PHONE CALLS? IS THIS A SCAM?

There are many companies that use the term “cash advance” in their brand name, in their marketing, or somewhere on their website. However, do not be fooled. We are Loan Experts 360 and have always been in good standing, helping millions of customers a year since 1997.

We never charge for our services, and we never collect money from customers. Our service is and will always be free and unlimited to use.

7. CAN I QUALIFY FOR A SHORT-TERM LOAN?

You can submit a request for a short-term loan with Loan Experts 360 if you meet these basic criteria:

  • You must have had your current job.
  • You must be 18 years of age or older and a citizen or permanent resident of the United States.
  • You must have a take home pay of at least $1,000 a month after taxes.
  • You must have a current phone number and valid email address.

Please note that meeting these criteria does not mean that you will be connected with a lender

8. HOW MUCH MONEY CAN I GET?

You can request a short-term loan from $500 to $10,000. The amount you are approved for will be determined by the lender you are connected with.

9. HOW DO I GET THE MONEY?

If your short-term loan is approved, then the money will be deposited directly into your checking account as soon as the next business day.

10. CAN I STILL GET A SHORT-TERM LOAN IF I HAVE BAD CREDIT OR A BANKRUPTCY?

Consumers with bad credit are welcome to submit a short-term loan request on our site. Bankruptcy may be a determining factor that lenders in our network use. However, getting a loan with a history of bankruptcy is still possible.

11. DO I NEED A FAX MACHINE OR PRINTER?

No, you do not need a fax machine or printer in order to use our services. It is advisable to print out your loan contract for your personal records, although it is not required.

12. HOW MUCH DOES IT COST?

Using Loan Experts 360 is completely free and you can use our service as often as needed. If approved, the only cost you are responsible for comes after you review and agree to a lender’s terms, by signing a loan contract. Fees associated with the loan will vary depending on your state, the lender, and the amount of your short-term loan.

Short-term loans are designed for emergency cash needs only, and are often less expensive than check fees, late charges, and other costs you might incur from overdue payments. Please make sure you review all terms before accepting a loan offer and always borrow responsibly.

13. IF I ALREADY HAVE A SHORT-TERM LOAN OUTSTANDING, CAN I STILL QUALIFY?

This can depend on applicable laws. For example, some states do not allow more than one short-term loan to be outstanding, and lenders may check third party bureaus to see if you have an outstanding loan.

14. HOW AND WHEN DO I REPAY THE SHORT-TERM LOAN?

The amount and fees relating to your loan can be withdrawn from your checking account automatically on the due date of your loan. There is no need to make payments or visit any store. You may also request an extension of the loan, if needed, by contacting your lender before the due date. Any extensions on repayment may carry additional fees, depending on the lender. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender for more details.

15. WHAT IF I’M LATE IN REPAYING MY SHORT-TERM LOAN?

The lenders in our network follow different policies regarding late payments. You should review and understand the late payment policy specified in the lender’s loan documents before accepting the loan terms and signing the loan agreement (which constitutes a legal obligation to repay the loan). State laws regarding late payment fees determine how much lenders can charge a delinquent borrower in penalties.