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What is a Personal Loan?

Performance Lending Power

Broadly defined, a Personal Loans are atype of installment loan, which means that it is repaid over time with a set number of scheduled payments. It is also a form of loan that can be utilized for practically any purpose whatsoever. This can be beneficial in any scenario where additional funds are required.


We do not charge any fee or cost to submit a loan request on Performancelendingpower.com . The APR on a personal loan from our network of lenders and lending partners varies, with many providers offering rates from 5.99% to 35.99% and loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender or lending partner and accept their loan agreement.


Representative Example: If you borrow $4,000 on a 2 year repayment term, the monthly repayment will be $182.74. Total repayment will be $4,385.74.


There are three types of personal loans available through our network: peer-to-peer Loans, personal installment loans and bank Personal Loans. You can learn more about these products by viewing the How It Works page on our site.


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What is a Bad Credit Car Loan?

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For those new to the process, Bad credit auto loans are an auto loan that are made available to an individual with a credit score that is considered subprime. A subprime credit score is usually considered any FICO score below a 620. People with (Bad Credit) such scores are considered to be "high risk", and are often denied by traditional lending sources.  Because they are denied by traditional car dealerships and lenders such as local banks, credit unions, or lending arms of car manufacturers such as Ford Credit or GMAC, people with low credit scores are often forced to seek financing through alternative options. Such options often include local automobile dealers and/or local finance companies which are likely to charge them higher interest rates to offset the higher risk of them defaulting on loans.  If you do not know what your credit score is, the Fair Credit Reporting Act entitles you to a copy of your credit report once every twelve months through annualcreditreport.com. We here at Last Chance Loans, LLC / Performance Lending highly encourage potential car buyers to read  and be aware of what their  credit report says before applying. And be sure to check your credit report for errors to     avoid being penalized for old and/or incorrect information. 

Bad Credit Loans isn’t what we specialize in, Because everyone needs a second Chance! 

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What is My Free Auto Loan Credit Score?

Credit score

 Your Free Auto Loan Credit Score used by those looking to determine your auto loan. It is not very well known, but over 90% of all Auto lenders require this Auto Industry Optional Score to be used instead of your standard Credit Score.

The Auto Industry Optional Score is a specialized score that is used by the Auto Industry to look more closely at issues, on your credit report, that are related to your risk of possibly defaulting on your new auto loan. It is very different from your regular Credit Score.

HINT: When shopping for your new car, please know that most Auto dealers will ask you if you know your "credit score" when they are about to start your financing process. However, they will not tell you they are making their lending and financing decision based upon the much different scoring scale with their use of the Auto Industry Optional Score.

Generally, the Auto Industry Optional Score is not used on an on-going basis by your creditor to determine financial stress while your auto loan is still open. If it is the practice of your Auto lender to look at your credit while you have an open auto loan, they would most likely look at your regular credit score for the possibility of your sudden credit stress and risk of your defaulting on the auto loan.

* The Credit Score, Auto Score, Insurance Score and Hiring Risk Index offered on this web site are for educational purposes only. None of our Scores/Indexes/Analysis is to be used to determine or grant credit in any manner. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate. No direct or implied guarantees of the accuracy are given to any of our scores or indexes.


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Payday Loans

Bad Credit Loans

Payday Loans up to $1,000

 

Fill Out Our Simple Form

It takes minutes to fill out our online form. It is protected by top-notch security software and absolutely free for you to use.
No Obligations or Hidden Fees

Get Matched with a Lender

You will be matched with one of our lenders and receive your loan decision. Even the users with imperfect credit may be offered a loan.
Fast Access to Lenders

Money is Deposited Directly

E-sign documents to accept your loan offer and get cash directly deposited in as soon as the next business day.
Get Results Fast! 


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Debt Consolidation Loans

Debt Consolidation Loans

 

Take Advantage of What Personal Loans Can Offer You

During these uncertain economic times, many people are finding themselves faced with a situation where they could use some financial assistance. Whether it be for an emergency, home improvement, consolidating debt or even a family vacation – a low interest personal loan is a safe and reliable way to meet your financial needs. At PersonalLoans.com, we specialize in quickly and efficiently connecting people to a personal loan that may work for them.Compared to other loan options, personal loans offer greater flexibility with how much a person can borrow. Utilizing our comprehensive network of lenders and lending partners we can offer wide ranges of funding, and give you the opportunity to be qualified for as much as $35,000. 

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Bad Credit Credit Card

Horizon Gold Card

  • •Guaranteed $500 Credit Line
  • •No Credit Check
  • •Fast Online Application
  • •Bad Credit - OK

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.


  • Credit Line $500 Limit
  • Regular APR 0% APR
  • Monthly Fee See website for Details*
  • Credit Recommended Damage credit to Fair credit

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Disclaimers:

*See Terms & Conditions for Details

Freedom Gold Card

Guaranteed credit Approval

You are pre-approved for a $500 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.

 

  • $500 Unsecured Credit Limit
  • Guaranteed Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK

 Credit Line $500 Limit

Monthly Fee See website for Details

*Regular APR 0% APRCredit 

Recommended Damage credit to Fair credit 

 *See site for details 


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Bad Credit Loans in NC

Performance Lending Inc.

Last Chance Loans, LLC / Performance Lending Inc.

Bad Credit is our specialty, let our trained credit speciallist assist you with all your Loan needs today!

                 


ASK ABOUT OUR GUARANTEED CREDIT APPROVAL PROGRAM NOW! 

 

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Requirements

What are the Typical Requirements?

While there is no nationwide standard for Loans For People With Bad Credit , here at Last Chance Loans, LLC / Performance Lending  the typical requirements for someone applying   for a Car loan are as follows: Monthly income of at least $1,500 gross 18 Years of Age or Older Current resident of the United States or Canada Current legal American or Canadian citizen or legal resident Employed full time or has guaranteed fixed income  Gross income refers to an individual's pre-taxed monthly income. This income should be verifiable through documents such as tax records. Fixed income such as Social Security, Disability Insurance, Child support, Alimony, or Public Assistance should be included in  your monthly income total.  At least $1,500 gross income is required, and a $1,800 monthly income is recommended for most credit situations.    Seasonal employees or temporary employees who have been at their agencies for less than six months do not qualify. We here at Performance Lending like to make Bad credit Loans easy by offering Bad Credit Loans Online to All 50 states. Thats right, North Carolina, Florida, Maryland, Texas, California, New Mexico, Virgina, South Carolina , Delaware, Arizona, Hawai, Alaska, Washington, Tennessee, Ohio, Michigan, Missouri, Montana, Indiana, washington DC, North Dakota, South Dakota, Colorada, Alaska, and the united States.


Knowing how credit works

Fixing Your Bad Credit Problem

Loans

So how does a bad credit auto loan get you closer to your dream car? Well, if you deal with a company like Last Chance Loans / Performance Lending , that only works with dealers that report your excellent payment history to the three major credit bureaus, then you can see some very positive gains on your credit report. Better scores mean a better rate in the future, which means your dream car will be that much closer.  However, it's important to be mindful that many lenders, especially small lenders, do not always report your timely payments. They may be more than happy to report when you miss a payment, but they should be documenting your responsible behavior too.  But what do you do if you're trying to stay within your spending means, but cannot get your family of six into a budget five seat sedan? Obviously, money is tight, but you need just a bit more than your credit will allow. What do you do?  Larger Down Payment - By increasing the money down, you minimize the amount of risk to the lender should they have to come back and repossess the car for late payments. However, this can mean anything from putting a little more down, to putting down up to half the cost of the vehicle, depending on how big of a gap you are trying to overcome.  And given the popularity of people asking for zero down payments, this is not an option most people consider. Still, it's one that works, especially for people who suffer from bad credit due to situational circumstances.  Cosigners - This can be difficult, given that you must have access to a parent, family member, or friend who has good credit and trusts you enough to take on the risk of the loan with you. However, if you do know someone that will cosign on the auto loan, you can save yourself thousands over the course of the loan and expand your options back to more traditional lenders.

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Lexington Law Credit Repair Service

Credit Repair

 FREE Credit Report Summary & Credit Repair Consultation 

Call Now -  855-648-7005


 Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Call us today to take advantage of our no-obligation offer. 

 Inaccurate, obsolete, and unverifiable items removed from our clients' credit reports.


 

With many years of experience helping consumers through affordable credit repair, Lexington Law's lawyers have the knowledge and tools to start fixing your credit score by working to remove inaccurate items on your report. Our attorneys know the laws, the roadblocks, and the process. We put our experience to work for our clients, restoring their confidence to pursue important steps in their lives.

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LifeLock Credit Protection 10%OFF

Lifelock


 Why you need LifeLock after a data breach. 


 Putting a freeze on your credit may not be enough.  


 Identity theft goes beyond credit fraud. With info like your SSN and birthdate, criminals can file tax returns, steal from investment accounts, or rack up medical bills. 


 You are 11 times more likely to be a victim of identity fraud if you are notified of a breach.°  


 1 in 4 people have experienced identity theft. If your information has been breached, LifeLock is here to help if a problem arises.  


 Identity theft can happen for years to come. 


 Data breaches can expose information that typically doesn’t change like your SSN, birthdate, or name. Criminals can use this info for identity theft long after a breach. 


 

Data breached? Get  LifeLock.
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A major credit bureau recently experienced a breach potentially impacting about 143 million people. With your personal info, criminals can open accounts, file tax returns, buy property and more. Don’t wait to get identity theft protection. 

 


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Understanding credit 101

Bad Credit Loans is what we specialize in, Because everyone needs a Second Chance. 

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