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What is a personal loan?
A personal loan is essentially money that you borrow for any purpose that you repay with interest over the course of a few years (although the repayment period can vary based on the terms of the loan. The lender rates for a personal loan generally range anywhere from 6% to 35% APR. This is the rate of interest that you would need to pay on your personal loan.
Additionally, personal loans are generally “unsecured”. This means that you do not need collateral to get approved for the loan. This might result in a slightly higher rate of interest but there is also no risk of losing the asset if you default. Additionally, this can be a big positive if you do not necessarily have anything of value that you can put up as collateral.
When most people think of getting a loan
they immediately think of student loans, mortgages, or an automobile loan. However, there’s another type of loan that we think should be even more popular: the personal loan.
The reason that we love personal loans is that they are way more versatile than the types of loans listed below.
For example, when you apply for a mortgage or auto loan you need to use that money for the required purpose (buying a home or a car). However, if you apply for and receive a personal loan then you have a few different options when it comes to how you can spend the money.
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How do I use a personal loan?
Finance a large purchase
Cover an emergency expense
Cover moving expenses
Make necessary home repairs
How can a personal loan help me?
This can be incredibly beneficial for two reasons. First, you might not have the money you need to buy something you need. If this is the case, personal loans are a way to buy now and pay over time.
If you do have the money, it can still be beneficial to takeout a personal loan so that you are not using all of your cash. For example, if you spend all of your savings to buy new furniture in your home and then an emergency happens, you’ll be a little strapped for cash. Instead, save your cash and use a personal loan to buy the furniture.
New to Funding? No Problem.
It’s incredibly easy to get started with funding. That’s part of the reason why it’s such an attractive option for so many people! To learn more, just give us a call today.
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What People Say About Us
“If you have any debt that you’re worried about, Federated Funding is most definitely the right option to go with. It felt like they knew what I needed before I even told them. They were incredibly helpful and I’d recommend their service to anyone."
“I wasn’t sure about Federated Funding at first because I wasn’t exactly sure what they did. However, one thing is for sure, if you struggle with debt in any capacity then it’s worth at least giving them a call. They helped me out a ton and can probably do the same for you!"
“Federated Funding has made me feel so destressed! I haven’t felt this good about my finances in years and it’s entirely thanks to the associates at Federated Funding."
Please Contact Us With Any Questions
We know that the financial world can get a little complicated sometimes. It is filled with buzzwords and jargon that make it hard to understand what is going on. Lenders also have a reputation of being predatory and taking advantage of people.
That’s why we offer a free consultation for anyone who is interested. Our professional associates are always happy to chat and can help offer advice based on your specific situation. They can also offer advice based on different ways that they’ve helped previous clients.
To get started, just reach out to one of our associates using the number or email that is listed below. From there, we can schedule a brief call to get a feel for your needs. If a personal loan makes sense for you then we can help recommend you to trusted lenders. Then you will be back in the driver’s seat of your finances!
Ready to Talk?
The best way to reach us is to give us a call or email using the information below. Our team does our best to respond within 24 hours and we look forward to speaking with you!