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Will not affect your Credit Score.

Getting a personal loan is fairly simple. The process looks like this:

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    Go to your bank/lender

    This is where you can apply for a personal loan as most large lenders will offer them. Remember that you can always try a new lender in the event that you’re not approved. Just because one bank says no it does not mean that others will not say yes.

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    Explain your situation

    Even though you can use the money for anything that you want, you will still need to explain what you plan to use the money for.

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    Wait for approval

    The lender will look at factors like your credit score or debt-to-income ratio to determine whether or not to lend you the money. This decision should be made fairly quickly and there is a chance they might come back with another request.

Personal Loans

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 36% 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.

Federated Funding Partners

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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LOAN USES

How do I use a personal loan?

Finance-a-large-purchase

Finance a large purchase

Cover-an-emergency-expense

Cover an emergency expense

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Consolidate debt

Cover-moving-expenses

Cover moving expenses

Make-necessary-home-repairs

Make necessary home repairs

LOAN USES

How can a personal loan help me?

Finance a large purchase

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.

Cover an emergency expense

This is a good alternative to using a credit card. If you do not have the money on hand, personal loans can also help you or a loved one get the care that you need.

This is a good alternative to using a credit card.

If you do not have the money on hand, personal loans can also help you or a loved one get the care that you need.

This is a unique strategy to handle your debt in a smart way. If you have high-interest debt (like credit card debt) you can take out a personal loan to repay it. Now, you just have to repay your personal loan debt BUT you’ll be paying a much lower interest rate (6% vs 25%).

This can help save you thousands of dollars over the course of your life.

Cover moving expenses

Some companies might offer to cover moving expenses or offer a stipend but many do not. If you are moving to a new area, a personal loan can be a lifesaver to help get your new life up and running.

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.

Make necessary home repairs

Personal loans can offer a quick way to improve or repair your home. Instead of dealing with a leaky ceiling for months while you save the cash, just pay for it now with a personal loan. Then you can repay that loan in monthly installments (which makes it much more manageable).

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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Federated Funding Partners

We care about you

Check Rates

It’s free and easy to check what types of loan rates you might be eligible for.

Reliable

When it comes to our business, you know exactly what you’ll be getting every time. That’s why so many choose to work with us.

Flexible & Convenient

We’re happy to work on your timeline and won’t pressure you into making any decisions before you’re ready.

Safe & Secure

When you use our services, you know that your privacy is our number one concern.

WHY TRUST US

Why Choose Our Company

We know exactly what’s needed to get the job done.

No Fees

Since our whole goal is to help you improve your finances, we don’t believe in charging fees.

Low Rates

We offer the lowest rates possible to help you escape your debt. Guaranteed.

Fast Approved

The time is over for waiting weeks to get approved. You’ll know whether or not you’re getting a loan in just a few days.

Testimonials

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."

Ramy Young
Ramy Young

“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!"

Derek King
Derek King

“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."

Jake Robinson
Jake Robinson

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!

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Contact Us

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!

Phone

(866) 955-2309

Email

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