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What is LOANSDALE.COM designed for?
At LOANSDALE.COM we help you to find the best auto lender but do not provide auto loans by ourselves. As we are not a car loan lender we are not interesting in pushing you towards a particular lender. Vice versa we are committed to finding the best auto loan solutions that are the auto loans with the lowest interest rates and best conditions for you. With LOANSDALE.COM you can choose from a wide selection of auto lenders and compare auto loan interest rates and different types of car loans.
Where’s the proof you are offering the lowest rates?
LOANSDALE.COM established contacts with the top auto loan lenders nationwide to provide a greater choice for you. As the competition is quite high the lenders will try to present their lowest possible rates in order to attract customers and beat their rivals. Therefore you may be sure that the loan interest rates offered at LOANSDALE.COM are really the lowest in the country.
Does my credit influence the auto loan quotes I receive with LOANSDALE.COM?
After you provide us with some basic information including the data about you credit we forward this information to your prospective lender who offers you the type of car loans you can qualify for. Bad credit auto loans are also available therefore your credit score will not prevent you from obtaining a car loan. Filling out our online auto loan quotes do not obliges you to accept any offer your receive.
What are your security policies?
You respect our customers’ security and privacy and encrypt all the information you state using the 128-bit SSL encryption system. We take care that your data is not used for any purpose other than provide your with adequate auto loan offers.
What are you fees?
We do NOT charge any fees. Our services at LOANSDALE.COM are absolutely free and you can apply for as many online auto loan quotes as you need until you find a satisfactory auto loan lender with suitable interest rates and terms.
Can I proceed with the auto loans quotes that I got two weeks ago?
Once you filled out online auto loan quotes and received auto loan quotes you can store them at LOANSDALE.COM. But be aware that the typical expiration period for auto loan quotes lasts for about 30 days but may vary from lender to lender. In case you decide to use an expired auto loan offer the lender may ask you to revise your information and make another offer.
I do not have any credit history at all and I never took any loans. Can I still benefit from your services?
Whether you have a credit history or not you are eligible for auto loans as the majority of lenders offer bad credit auto loans for people with bad credit or no credit history at all. In case it’s your first loan the lender has no information about your credit habits therefore the interest rates offered will be higher than that of ordinary loans.
What should I do to get an auto loan quote?
At LOANSDALE.COM we designed simple free online auto loan quotes that require little time and efforts. To fill out our online auto loan quote you need to answer a few quick questions about the sum you want to borrow, the car you want to buy and the type of loan you prefer. Then lenders will send your auto loan offers stating what you are eligible for. You can choose the auto loan offer that best meets your budget and your needs.
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What is debt settlement
Debt settlement is the process of finding the possible solutions to reduce your debt amount by negotiating with your lenders.
What is going on during the debt settlement
Once you are enrolled in a debt settlement program your personal counselor will investigate into your case and negotiate with your lenders asking them to provide you a debt relief. Most lenders agree to reduce the amount you owe them because in case of your bankruptcy they will lose their funds and won’t get any part of it returned.
Is anybody eligible for your Debt settlement program
To find out whether you are eligible please fill out our free online application. Our specialists will review your information and examine whether we can settle your debt. We work with people who we can actually help. According to your financial situation we will determine whether you can participate in our Debt settlement program.
If I miss a monthly payment with LOANSDALE.COM am I automatically withdrawn from your program
In case the circumstances do not allow you to make the payment in time please contact us and we will arrange the payment on the phone. We understand that you may have a serious reason to miss a monthly payment and therefore will help you to regain your payment schedule.
Will I still receive calls from my creditors
Since we contact your creditors are to review their information and mark that you are enrolled in a debt settlement programs. The lenders will then negotiate with us to decide on the amount you will pay and therefore they are to stop calling you. However not all the lenders keep the law and besides, it may take them up to 30 days to renew their information. But after 30 days the majority of lenders will switch to us and give up calling you.
What is a fee for your services
The cost of our Debt settlement program is determined individually as to calculate the fee we consider what you can afford. Usually the fee is a certain percentage of the outstanding debt but your financial situation is taken into consideration.
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What is a Payday loan?
A payday loan also known as cash advance and payday cash loan is an unsecured short-term loan that provides you with quick cash you are to pay back on your next pay day. Payday loans are obtained when there is a need to cover unexpected expenses (medical bills, car repairs, whatever). With LOANSDALE.COM you can apply for a payday loan online and receive your cash advance in several hours or in a night.
Are there any limitations for the use of the payday loan?
You can use the funds you obtain for any possible goal as you do not have to state the reason while proceeding with your application. However, cash advance loans can provide you only with a limited amount as you are to pay back in a short period.
What is the amount I can borrow?
Depending on your needs you can apply for up to $1,500 with LOANSDALE.COM. However, in case you refinance your payday loan on time we can increase the stated amount for any your prospective cash advance loans with LOANSDALE.COM.
How is the interest rate estimated?
Different lenders charge varies interest rates for their payday loans. The typical rates are between $25 and $30 for each $100 borrowed. Thus in case you borrow $400 you the fee you are charged with is from $100 to $120.
What requirements should I meet to qualify for your payday loan?
At LOANSDALE.COM we require that you meet only the basic requirements and do not perform credit checks. Please make sure you your meet the following requirements:
- You are no less than 18
- You are an US citizen
- You are currently employed otherwise you should receive regular income
- You monthly income exceeds $1000
- You have a valid checking or saving account where we can deposit the funds you borrow
How can I apply for a payday loan online?
At LOANSDALE.COM the entire process of application is very simple. All you have to do is to fill out the application and then submit it. The approval of the application comes as soon as in several minutes in case you apply on any business day.
What information should I provide?
To fill out the application for a payday loan you should state the following:
- Your full name and address
- Employment status
- Your monthly income
- Bank account details
- Picture identification
What are your privacy and safety policies?
We do everything possible to keep your information private. LOANSDALE.COM uses a 128 bit Secure Socket Layer (SSL) to encrypt your personal information and all the transaction made via our LoansDale.com.
Do you charge an application fee?
LOANSDALE.COM does not charge any fees for online payday loan applications.
Am I obliged to take the loan after I submit my application?
No. After you fill out our application for a payday loan online you do not have to accept the payday loan offered by the lender. You can continue finding better options and ask us any questions concerning your cash advance loan and the best solutions available. When you decide to go on with the application you should confirm you information.
Do you offer payday loans for people with bad credit?
Unlike other lenders, at LOANSDALE.COM we do not refuse the applications from people with bad credit. Notwithstanding your credit history you may still be eligible for a cash advance loan with LOANSDALE.COM.
Do I need to send your faxes?
No, at LOANSDALE.COM we offer fax free payday loans as faxless cash advances are much more convenient for customers.
Can I take several payday loans simultaneously?
No, you can take more payday loans only after you refinance all your current payday loans.
Do you send my information to my employers?
No, we respect our customers’ privacy and keep all the loan information and details confidential. We do not inform employers about the payday loans their employees obtain.
Do I need direct deposit?
Yes, direct deposit is the safest way to transfer the funds therefore you should have a banking account with direct deposit. Besides, direct deposit allows quick transactions so you can get your funds in a shorter period.
When do you transfer the funds?
After you submit your application for a payday loan, we approve it in less than 30 minutes in case you apply on any of the business days. Once your application is approved, the funds will be transferred over night. The due date for payday loan refinancing will be chosen to make your comfortable and ensure you against bounced checks and missed deadlines.
Will you notify that my payday loan application is approved?
We will send you an email stating that your application is approved. LOANSDALE.COM reserves the right to make adjustments to your loan approval until you receive the funds
When do I have to refinance my payday loan?
The refinancing of payday loans usually takes play on the next pay day (from 8 to 25 days after you obtain a cash advance loan). However, the terms vary from state to state.
Can I refinance earlier?
In case you can afford early refinancing of your payday loan, please contact us. Those who refinance early may get back but of the fee they are charged with.
What to do in case I can’t pay back on the due date?
In case you refinancing on the due date is impossible you can apply for a loan extension.
Several payment options are offered at LOANSDALE.COM:
- Paying the loan in full on the maturity date listed on your loan agreement.
- Paying the finance fee and a portion of the principle on or before the maturity date.
- Paying only the finance fee on the maturity date.
Can I get another payday loan just after I repay the previous one?
The number of payday loans you can obtain is not restricted. However, please, make sure you understand that payday loans can provide only temporal relief and is not the way you can overcome serious financial difficulties.
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