personal funding

Personal Financing

Get Up To $400,000 &

Lower Fixed Rates

Personal Installment Loan

Personal installment loans are best in the beginning stages. Receive $10,000 to $400,000 even more. In many cases, depending on your credit rating, you can create terms that work best for you such as 3 to 7 years with 3% to 15% interest rates.

If you have a 680 or higher credit score and at least $50,000 annual income, there are several great programs for you.

Qualification Criteria

740+ FICO
TC under 28% ( Credit Card usage under 28% )
Must have FIVE Primary or Individual Account older then 2 years and in good standing.
No Negatives – No Lates
Less than TWO inquiries in the last SIX months
SSN Card must be older than 10 years – Less years, less funding.Not sure if you qualify, submit your credit monitoring login to us for review. We will get right back to you.

Credit Card Loans

Refinance your credit cards with a personal loan—and know the exact date your loan will be paid off.

Balance Transfer Loans

Lock in a lower APR and save time by paying creditors directly through LendingClub—just tell us who to pay and how much.

Debt Consolidation Loans

Simplify your debt—and your life—with a single monthly payment on an affordable, fixed-rate loan.

Home Improvement Loans

Start your home improvement project now, without waiting for a home equity loan or line of credit.

Required Documents

Available Funding Plans:

Personal Unsecured Loan
Personal Line of Credit
Personal Credit Card
Stated Personal Loan (No income verification Docs required)
Personal Loan that will not post to your personal credit!!

Funding Requirements

720+ credit score (Credit Repair Education is available if necessary)
No derogatory Items
No more than 5 Inquires in the Past 6 months
No Bankruptcy
Credit Usage less than 28% (If your credit usage is greater than 28% this does not automatically disqualify you)
3 or more Primary Tradelines with 2 years of history or greater

Personal Documents Needed

Copy of DL ( Must be clear, in color FRONT and BACK )

Copy of SSN card ( Must be clear, in color FRONT and BACK )

Proof of Address ( Utility Bill, cannot be older than 30 days in color )

Personal Voided Check from your checking Account.

Last 2 Pay Stubs ( Means of Income , social security, alimony etc. ) Downloaded from Online if available

Last TWO years W2’S 2020 or 2021 if Available

2 Months Personal Banking Statements Downloaded from Online

Required Documents

When making the copy of the document, please make sure all 4 corners are in the picture. It is best to lay it on a white paper and have a margin around the document. If the document is in color, please make a color image.

Also be sure there is no glare and the text is sharp and clear.

Acceptable formats are: PDF, JPG, PNG, TIF, GIF.

If you use your smart phone camera, as said above, please place the document on a white paper and have a small margin around the edges so that all corners are in the picture.

Another method is Cam Scanner which uses your smart phone or tablet camera to make a PDF. Here is a link to the app. https://www.camscanner.com/user/download