Personal loans

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Also known as, “unsecured loans,” personal loans are generally the quickest loan to apply for. As these loans are not secured by collateral like a vehicle or real estate, approval relies heavily on your credit report (to prove your history of paying bills on-time), and your debt-to-income ratio (how much debt do you have, compared to how much income you earn). We may approve you for an unsecured loan totaling up to 25% of your gross (before taxes and deductions) annual income.

One way to reduce your interest rate (and maybe increase the amount you can borrow) is to turn a personal loan into a, “partially secured,” loan by pledging collateral (like a paid off vehicle) that is worth more than 10% of the value of the loan. Ask your loan officer if you’d like to pursue this option.

 

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