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Secure, Fast, & Competitive Loans For Personal and Business Needs
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⏰ Payday Loans
Get quick money to cover unexpected expenses.
🏢 Business Loans
Funding solutions for your business growth.
How It Works
Complete
Short Forms
Get A Decision
It’s Quick
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If Approved
Why Choose Us?
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Fast and Reliable: Get funds quickly and dependably when you need them most.
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Competitive Rates: The interest rates are competitive and straightforward.
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All Credits Welcome: Whether your credit is excellent or less than perfect, we welcome you.
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Short Forms: Our process is quick and easy with minimal paperwork.
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No Upfront Fees: You won't be charged any upfront or hidden fees.
Working With GetMoney.com
Helping You Find The Loans You Want Since 2003
Getting an online loan is fast, simple and secure. GetMoney.com, provides a simple and hassle-free platform for requesting personal loans, installment loans, payday-cash advances, and business loans. Our forms are simple and easy to follow. Best of all, it only takes minutes to complete.
We understand that everyone’s financial situation is unique. Whether your credit is immaculate or you’ve faced challenges, you’re in good hands with GetMoney.com. Even if you’re uncertain about your credit history, we have options that may surprise you.
Your trust and peace of mind are vital to us. That’s why we believe in full transparency, ensuring there are no unwelcomed surprises like hidden up-front fees. Our mission is to make your loan process as seamless as possible.
Our services include personal loans, payday loans, installment loans, business loans, working capital, equipment financing, and merchant cash advances – all of which can be requested easily online.
Fast Online Personal Loans
Get a personal loan online with GetMoney.com
No Obligations, No up-front fees, All credit types welcomed
Understanding Online Personal Loans
The Growing Popularity of Personal Loans
According to the Federal Reserve, personal loans used for a variety of purposes reached $356 billion or about 10 percent of nonrevolving consumer credit at the end of 2022. This trend reflects the increasing popularity of personal loans as a flexible and convenient financing option for debt consolidation, medical bills, vacations, or the payment of large ticket items.
Average Personal Loan Interest Rates
The interest rate you’ll receive on a personal loan can vary widely, commonly ranging from around 5.99% to as high as 35.99%. The exact rate you receive will depend on multiple factors evaluated by lenders; such as your credit score, income, debt-to-income ratio, and overall creditworthiness. Borrowers with excellent credit and strong financial profiles are more likely to qualify for personal loan interest rates on the lower end of that spectrum. On the other hand, borrowers with poor credit or limited credit history may be offered rates closer to 35.99%.
Key Features of Personal Loans:
- 💰 Small loan amounts from $200 to $35,000
- 📌 Unsecured financing, no collateral required
- 🔒 Fixed loan amounts, repaid in regular monthly installments
- 📈 Fixed interest rates, providing predictability for budgeting
- 🔄 Flexible repayment terms, typically ranging from 1 to 3 years
- 🛍️ No restrictions on usage, common uses for personal loans include debt consolidation, medical expenses, home improvements, and other personal expenses
What Are Personal Loans?
Personal loans are unsecured loans approved based on factors like your creditworthiness, income, and debt-to-income ratio. Personal loans are a type of financing that can be used for anything you need to pay for. Unlike secured loans, such as mortgages or auto loans, unsecured personal loans do not require collateral.
The Benefits of Personal Loans:
- 🕗 Fast access to money during unexpected situations
- 📉 Potentially lower interest rates compared to credit cards
- 📝 Streamlined online forms and approval process
- 💲 Convenient online access to money, often within one business day
Qualifying for Personal Loans:
We welcome borrowers from all credit backgrounds. Our extensive network of lenders focuses on your ability to repay the loan, rather than just your credit score.
Payday Loans: A Quick Short-Term Solution for Financial Needs
Is There A Best Time To Get A Payday Loan
When you are facing an unexpected expense and you need money fast, payday loans can provide immediate financial assistance. Payday loans are designed to bridge the gap between paychecks, providing a short term solution to help you manage your finances effectively.
Key Benefits of Payday Loans:
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💰 Fast Access to Funds:
Get processed and receive funds quickly, in as little as one working day.
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💠 Not Credit-Sensitive:
Unlike conventional loans, payday loans are not very credit-sensitive, making them easily accessible to individuals with less-than-perfect or poor credit.
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🧩 Flexible Repayment Options:
Repay your loan on your next payday or select a longer repayment plan depending on the lender’s guidelines and your needs and preferences.
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🚀 Easy Process:
Our online forms make it simple and convenient to request a payday loan from your phone or laptop at your convenience.
What is a Payday Loan:
Payday loans are short-term loans designed to help bridge the gap between paychecks when unexpected expenses arise. These loans typically range from $100 to $1,000 depending on state regulations and your income level. To see what the limit in your state is visit NCLA. While payday loans can provide immediate relief, it’s important to use them responsibly due to their high interest rates and short repayment periods.
What is the process of getting a payday loan:
✅ Complete an online form providing basic personal and financial information.
✅ Receive an instant decision on your loan request if approved.
✅ If approved, receive funds directly into your bank account in as little as one working day.
✅ Repay the loan and the fees on your next payday or according to the agreed-upon repayment schedule.
Why Choose Us for Your Payday Loan Needs:
At GetMoney.com, we prioritize you as our client and only work with a network of highly reputable lenders.
Transparent Fees and Terms:
The lenders within our network prioritize transparent communication, ensuring that all aspects of the loan are communicated upfront. This ensures that you fully understand the terms of your loan before making any commitments.
Regulatory Compliance:
We and our network of lenders adhere to all state and federal regulations governing payday loans to ensure a safe and secure borrowing experience.
Get money for small business
Funding in as little as 2 working days
Get an online business loan with 3 bank statements vs. tax returns.
We offer working capital loans, merchant cash advances, expansion financing, business term loans, and equipment financing to businesses that have been in business for at least 6 months.
Our business loan network is ideal for borrowers looking to get a business loan with bad credit (550+ fico) to borrowers with excellent credit. So no matter what a credit check reveals or what is currently in your bank account, you should be able to get an online loan. At GetMoney.com we strive to serve everyone, but our sweet spot is a borrower with at least a 550 fico score. There’s no need to overly stress about your credit score.
WHAT IS AN ONLINE BUSINESS LOAN?
Any loan offered or granted to a business based on its revenue and or income is a business loan. Most common business loans are working capital, line of credit, equipment financing, and merchant cash advances which are technically not loans. A merchant cash advance provides access to money in exchange for future revenue plus fees. Keep in mind that your monthly payments will be just a little bit more than the original online loan on account of those fees.
Most business loans offered through GetMoney.com are revenue-based and only require 3 bank statements for income or revenue verification. This means that you do not need to worry about a credit check. Borrowers with all credit types including borrowers with bad credit down to mid 500’s are often accepted. Get Started
Qualifying for business loans: Any business with a 6 months operating history generating $7000 or more in revenue per month is a good candidate for fast online business loans regardless of your individual credit score.
The lenders in our network accept borrowers of all credit types from over 700 industries.
All business owners with excellent to bad credit are encouraged to request a business loan through GetMoney.com while evaluating their financial options.
Regardless of loans amount and loan type, you can expect competitive rates, favorable terms, and excellent personalized service from our online lenders, and all without worrying about your personal information or credit score.
HOW DOES EQUIPMENT FINANCING WORK?
Purchasing new equipment would be impossible if every small business owner had to pay in full for every piece of equipment and machinery. Equipment financing is a financing tool small business owners utilize to buy new equipment required for business.
There are two ways to purchase equipment, A. buy it outright; B. leas it.
The process is pretty much the same, and all lenders will look at the business cash flow, and ability to meet the monthly payment obligations. This means that you don’t need to worry as much about credit checks or even loan amounts; you’ll only need to pay attention to the price of the equipment.
What type of equipment can be purchased with equipment financing?
The simple answer is everything from a kitchen oven to new office furniture to heavy industrial equipment can be obtained through equipment financing.
The new equipment can be for expansion or replacing the old equipment. learn more
WHAT IS A BUSINESS LINE OF CREDIT
To properly operate a business, every small business owner will require cash injection every so often. Some cash injections are planned, especially for equipment upgrades, renovations, and other foreseeable business requirements. These expenses can be taken care of with a small business loan or equipment financing.
It’s the unexpected expenses the sneak up on small businesses. A busted pipe, sudden opportunities to expand and grow, work emergencies, etc. are not predictable and hard to prepare for without access to cash.
That’s where a business line of credit comes into play. A business line of credit is like money on demand without the monthly payments. Only make payments on the amount you use, so the loan amounts for this type of credit can vary, depending on your business. learn more
Home Loans
Get a Mortgage
A Mortgage is a loan secured against real property. The loan amount is determined by property value, borrower’s income, property type, and purchase price. Guidelines may fluctuate based on occupancy and geographical location.
There are several mortgage types available and the most popular ones are conforming loans, jumbo mortgages or jumbo loans, FHA (Federal Housing Administration) which requires a smaller down payment (3%) and VA loans which require no down payment and are guaranteed by the VA.
Qualifying for purchase mortgage
Different borrowers qualify for different loans. For example, a borrower applying for a conventional mortgage must meet different conditions than someone applying for an FHA loan, or a veteran applying for a VA loan. To see what your options submit a free no-obligation request and discuss your options with an NMLS licensed lender. Learn more
Lower Mortgage Payments with a Refi
When a homeowner refinances a mortgage, they are simply accepting a new mortgage to pay off and replace the existing mortgage.
Why would you refinance?
Refinancing to a low-interest mortgage, changing the terms of the mortgage, and taking a co-borrower off the mortgage are a few reasons why homeowners accept the cost to refinance.
In a volatile market where interest rates are continually changing, mortgage rates fluctuate daily. For example, a mortgage holder who got a mortgage six months ago at 4.25%; today they can refinance at 3.25% and save tens of thousands of dollars over the years depending on the mortgage loan amount.
Another reason homeowners refinance is to change the terms of their existing mortgage. Let’s assume you got a 30-year mortgage eight years ago at 5%, and the current rates are down to 3%. With this scenario, you may be able to refinance your existing 30-year mortgage into a 15-year mortgage at a reasonable monthly payment increase.
Another popular reason for refinancing in a low-interest environment is taking cash out of the equity to pay bills or consolidate debt. Learn more
Refinance, pay-off bills, get cash and lower over all payments
A cash out refinance is when you refinance your home and take out equity. For example, you bought a house for $300,000 and now it’s worth $500,000. You can access the $200,000 equity with a cash out refinance.
How does a cash out refinance work?
Cash out refinance is exactly like a regular refinance, except, you are taking out equity and increasing the loan amount. With a rate and term refinance, you don’t always have to go through the full approval process and can do a streamline refi. To get approved for a streamline refi, you’ll need be on-time with your mortgage payments, and have a qualifying loan. For example, a VA loan streamline refi, requires you to be refinancing an existing VA loan. Or you can streamline a Fannie Mae mortgage into another Fannie Mae mortgage if offered.
The best way to see if a streamline refinancing is available to you is to request a mortgage and have the professionals walk you through it.
A straight-forward, hassle-free solution for small business financing
Getting the best business loans and small business financings can often be a challenge for small businesses with limited revenue and credit history; especially if the small business owner has a less than perfect score or bad credit. You may have already experienced this through bank loans that require stellar credit and income.
Our solution to simplifying the business loan process is our alternative business financing or loan; ideal for any small business in need of quick access to cash flow, expansion financing, equipment financing, inventory, and all other business-related expenses. Requesting business loans and financing at competitive rates is quick and convenient with our short forms.
All credit types considered
We know it’s hard to get a loan with a less than a perfect credit rating. Thus, we work with a group of lenders and lending partners that serve all credit types. Don’t worry about a credit inquiry when enquiring about online business loans and financing; a business loan can be approved and processed with a soft credit check that won’t affect credit scores.
If you’re looking for a payday advance, an installment loan, or personal loans, complete the short online form for a quick response.
Always read the terms and conditions for online loans to understand what is being offered to you.
Frequently Asked Questions
Does completing a form or making a loan request commit me to anything?
No. The process is completely free and you are not obligated to anything.
Does GetMoney.com charge any fees?
No, GetMoney.com does not charge you any fees for connecting you to a lender. However, we may be compensated by our affiliates, partners and lending partners.
Is GetMoney.com involved in the approval process?
No, GetMoney.com is not in anyway connected to the underwriting and approval departments of the lenders and investors. We simply connect borrowers and lenders.
How does getting a loan work?
It’s simple. Complete our short online form and the form will automatically be shared with our network of lenders and or partners. The lenders and partners will review your loan request and offer qualified borrowers a loan based on credit history, income and etc. If you are offered a loan and you accept it, be sure to review the terms of the loan in detail.
Can I qualify without perfect credit?
Every lender and investor has different criteria’s for qualifying and approving an applicant. We work with a wide range of lenders and investors, so there is good chance we’ll be able to connect you even if you don’t have perfect credit.
Who do I call if I have a question about my loan?
For all questions about your loan you must contact the lender or lending partner you’ve been connected to.
Loan vs Line of Credit
The biggest difference between a loan and a line of credit is that with a loan you get a lump sum amount at once and with a line of credit you have access to the money as you need it. Since you receive the lump sum all at once with a loan, you have to start making payments right away on the full balance of the loan. However, with a line of credit you only withdraw what you need when you need it. Thus, your payments will based on the outstanding balance.
Does my state of residence effect the loan I get?
Yes. Different states have different lending guidelines. Thus, a lender must adjust the loans offered to comply with all state and federal regulations.
What are the rates like?
We don’t like quoting generic rates and unfortunately, there is no way to know what rates a borrower qualifies for without knowing anything about that borrower. The rates will fluctuate based on many factors such as amortization period, loan type, credit score and sometimes even the purpose of the loan. To see what rates you qualify for, complete our short online form and you’ll know exactly what the rates you qualify for are.
How will I get my money?
It depends on the lender and how you choose to receive your cash. Usually, the preferred methods are direct deposits into your account and wire transfers.
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