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5/10
    Loan term: 4 - 18 Months
    Loan amount: $200 - $3500
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    5/10
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      Loan amount: $100 - $1500
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      5/10
        Loan term: 6 - 60 Months
        Loan amount: $1000 - $10000
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          Loan term: 1 - 8 Months
          Loan amount: $100 - $5000
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                5/10
                  Loan term: 5 - 36 Months
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                    5/10
                      Loan term: 1 - 30 Months
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                      5/10
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                            6.2/10
                              Loan term: 6 - 12 Months
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                              5.5/10
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                                5/10
                                  Loan term: 6 - 24 Months
                                  Loan amount: $300 - $5000
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                                  CashspotUSA created by people, created for people

                                  A payday lender is a lending institution that specializes in reviewing applications and issuing payday loans. As a rule, we are talking about microfinance organizations that offer unsecured short-term loans at high interest rates.

                                  The main difference is that with a conventional loan the borrower is required to pay mortgage insurance only if the down payment is less than 20%, and with FHA (Federal Housing Administration) mortgage insurance is paid regardless of the size of the down payment. There is also a difference in the maximum loan amount.

                                  A loan origination fee is a one-time payment, usually ranging from 0.5% to 1% of the total loan amount, charged by the lender to compensate the costs for processing the loan application. In general, loan origination fees are not required by all loan originating agencies. In fact, they can be even negotiated before you sign a contract. In most cases, however, the absence of a loan origination fee as a separate payment simply increases the interest rate correspondingly.

                                  Principal debt is the money that the client receives directly from the lender to solve the tasks of the loan. It does not include interest, penalties in case of late repayment, other types of charges due to changes in the terms of the agreement. When the contract is signed, payment requirements are spelled out. Borrowers usually make monthly payments in equal installments. The fee includes the body of the loan, bank interest and other payments that are part of the principal amount owed to the bank.

                                  A hard money loan is a specialized type of asset-based lending by which a borrower obtains funds secured by real estate. Hard money loans are usually issued by private investors or companies. As with any other secured loan, the interest rate on such a loan is lower than usual due to the presence of a collateral.

                                  In the case of FHA (Federal Housing Administration) loans the minimum acceptable credit score is directly related to the amount of the down payment. If we are talking about a minimum down payment of 3.5% of the property value, your credit score must be 580 or higher. However, if you can make a 10% down payment, the credit score requirement goes down to 500.

                                  A micro lender is a type of lending institution that specializes in providing small ammounts of money. Since micro-lending is not accompanied by collaterals, the risks for the lender increase exponentially. Because of this, the interest rate on microloans is usually very high. In addition, the activity of micro lenders is strictly controlled by state authorities, especially in terms of collecting outstanding loans.


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                                  Direct loan basics for parents

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                                  CashspotUSA reviews

                                  Heather Bootman

                                  Liked this aggregator more than others

                                  Great and convenient loan aggregator. Simple and easy to use, yet provides absolutely all the information you need. I applied for a credit onto my card and managed to get it without any problems. Really enjoyed the service.

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