The Best Loan Options For People Who Earn More Than $30,000 A Year
Christina Rodgers
Obtaining a personal loan used to take weeks as banks reviewed every aspect of your financial life. But online lenders have changed the game, using automated tools to streamline the application process.
As the pandemic forces the U.S. economy into a recession, examining loan options right now makes sense. Many lenders are looking to see if you have a job! Right now, your income may be more important than your credit score:
1. This Company Could Loan You $1,000 In 24 Hrs, If You Qualify
Having bad credit doesn’t mean lenders shouldn’t be able to work with you. That’s why they created Lending For Bad Credit (also known as LFBC). LFBC has grown to become one of the nation’s largest loan marketplaces for people with bad credit. LFBC allows you to borrow up to $40,000 in as little as 24 hrs. By completing a short form, lenders can quickly review your information and see if you qualify for a loan. This free service will not affect your credit score.
LFBC has a large marketplace of lenders that understand you’re more than just your credit score. If you have been turned down for loans before, don’t worry. LFBC’s marketplace of lenders have seen it all. They’ll do their best to connect you with a solution that meets your needs even if your FICO Score is below 575. APR’s will vary based on your individual needs, but they can start as low as 3.99% APR based on your creditworthiness.
2. This Company Isn’t Worried About Your Credit Score If You Earn Over $35,000
Founded in 1999, AmOne has grown to become one of the nation’s largest financial assistance companies for people with fair to bad credit. AmOne advisors will help you understand your current financial situation and tailor a solution that best fits you, not line the pockets of “fat cat” lenders. AmOne advisors can also assist you in applying for a loan, up to $50,000, to get you back on track.
If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can assist you in getting the right solution tailored to your needs even if your FICO Score is in the 495-595 range. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.
3. Having A Job Could Get You A No Interest - $2,500 Credit Limit
“Costly life events happen, but people shouldn’t have to pay up to four times retail prices for what they need!” That’s a direct quote from the CEO of Zebit. What is Zebit? Well, Zebit is an online store that offers no interest, no membership fees, and no FICO® score needed.
Zebit offers its customers access to a $2,500 line of credit to shop thousands of products on their site. “How does Zebit make money?” Like any retailer, Zebit sells products that it purchases at wholesale prices. The spread between the wholesale price and the listed price is how Zebit makes money.
Zebit offers members the flexibility to pay for anything they buy over time. Zebit offers every type of product you can imagine. Electronics, computers, furniture, appliances, and more. Zebit offers all the major brands like Apple, Gucci, Samsung, Fitbit, Nintendo - you’re not getting cheap stuff!
To qualify for a Zebit account, you will need to be over 18, employed, retired, or disabled with benefits.
4. Auto Loans Are Easier With Fiona
If you bought a new car, truck, or SUV in the past 24 months, you’ve probably paid too much. The stay at home orders caused a massive “glut” in the car market. Dealers need to liquidate their inventories asap. Some auto manufacturers are even offering 0% APR for 7 years to qualified buyers.
Fiona, from Even Financial, is a great solution for your auto loan needs! You can search for the perfect loan to get you into the new car, truck, or suv payment you can afford. They could even get you approved for financing with a FICO Score below 550.
Bonus Tips:
Downloading This App Could Boost Your FICO® Score
Register for Experian Boost™ and watch your FICO® score take off. Experian Boost™ is a free app by one of the largest credit reporting agencies on the planet.
All you have to do is sign up and verify that you have been paying your bills on time (cell phone bill, streaming services, cable bill, or other utilities), and you could get an INSTANT credit score boost. Plus, it’s FREE! There’s no easier way to improve your credit. Results will vary, see Experian’s™ website for full details.
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