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EngageLoans removing the complexity of applying for an Online loan.


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Our application process is simple, It takes just four simple steps to apply.

step 1 apply onlineApplying for a Single-Pay loan, Personal Loan or Small Business Loan though the EngageLoans Lenders Network is easy. Just complete our simple online application to find out if you qualify.

If your loan application qualifies for a program with one of the lenders in our network, you will be asked by your lender to review and sign their loan agreement. It's important to go over the loan agreement details including the terms, fees and interest rate chargeable to you under the lender agreement. During this process, we highly encourage you to review our how it works page and our how to calculate a personal loan APR, you can also email (customersupport@engageloans.com) with any questions.

Verification and Matching Process

loan verification and matchingOnce you've receive an approval notice from a lender you will need sign your agreement and sent it back to the lender who you will be working with, this lender may need to speak with you to verify your application details. We may also require additional third party verification: (i) from your bank; (ii) of your employment; and (iii) of your income details, before your payday loan or personal loan can be approved.

Please know that you are never under obligation to accept the loan terms that a lender gives you.

Loan Terms Agreement & Funding Process

Loan Terms and Agreement to Fund LoanOnce you've gone through the verification process, and you've been approved for your loan or line of credit, the funds may be deposited into your bank account as early as the next business day*.

* The date and time that funds are deposited in your bank account are subject to the time of your financial institution.

Repayment Of Your Loan

Repayment of loan scheduleWe work with many different lenders who may offer more than one product, each product may have a different repayment process. Please visit our Rates & Terms calculator page to see how rates and terms work. Many lenders work within a State lending model and are required to follow the state at which you reside in lending laws. Ask the lender you are working with which payday loan or personal loan you may qualify for based on your state of residence. Most lenders also send email payment reminders to their customers.

A Great Way to Find The Loan Program You Qualify For!

Loan types vary because each loan has a specific intended use. They can vary by amount of the loan, purpose of the loan, length of time, by how interest rates are calculated, by when fees are paid, by when payments are due and by a number of other variables.

Personal Loans

Could you use some extra money? At times when you do, a personal loan can be used for any unexpected personal expenses and don’t have a designated purpose. Maybe your credit card interest rates are through the roof, you need to make a major purchase. This is when personal loans are an attractive option, use your loan to consolidate debts, cover medical bills, or make some home improvements, or even improve your credit.

Learn more about Personal Loans

Small Business Loans

Small business loans can be critical to the success of any small business weather its a start up an aspiring entrepreneur or an established business looking to to expand. There is more options unlike before, not just the traditional banks are offering these kinds of loans. From SBA loans to Working Capital Loans to business lines of credit or personal loan for business, with more programs offered by many online lenders you now have more options.

See options for Small Business Loans

Single-Pay Loans

Payday loans are short-term loans secured against your next paycheck, with high-interest rates or fees designed to bridge the gap from one paycheck to the next, used predominantly by repeat borrowers who are experiencing some kind of emergency.

There has been some positive change to this kind of lending, there are several non traditional payday loan alternative lenders who are popping up.

Learn more about Single-Pay Loans

Line Of Credit

There are a few different types of cash advance, a credit card cash advance is a loan against your credit limit used by going to an ATM or bank and pulling what your credit card cash advance limit is, a different type of cash advance is one in which you write a check to a cash advance lender for the amount you need and the lender deposits the check on an agreed checkdate there is also an online cash advance that works like a payday loan with you agreeing to allow the lender to debit the amount borrowed.

Learn more about Line Of Credit Loans

How Does Your Credit Score Effect Your Loan Rate's?

Most credit scores operate within the range of 301 to 850. Within that range, there are different categories, from bad to excellent. Each lender sets its own standards for what constitutes a “good� FICO score. But, in general, FICO scores fall along the following lines:

Secured Loans

BAD CREDIT
300 - 629

High Rates

FAIR CREDIT
630 - 689

Good Rates

GOOD CREDIT
690 - 719

Best Rates

EXCELLENT CREDIT
720 - 850

Before you apply for a loan or credit card, it’s important to know where you stand when it come to your credit score. Viewing your credit score doesn't lower you score unlike a credit report when viewed by some creditors can lower your score by a few points. There's a few ways to get your score without having to pay of it, if you have a credit card check to see if they offer this as a free service. If not here are some credit cards that offer free scores, and you may also be able to get a free score online.
Since there are different credit scoring source's its important to try and use the same score every time you check, as each score weighs your credit history a little differently. The source of where you are viewing your score may also be using a an entirely different source, for example Citi, gives some customers access to NextGen FICO credit card scores, which are on a 250-900 scale.
Picking a sources to view your score and stick with it to monitor your progress is one of the most important practices in understanding your credit worthiness. Advancements you make measured by one score will be reflected in the others. (Here’s how to improve your credit scores; the advice applies to whatever score you decide to track.)
Your credit score is much like your weight in that it may fluctuate. But as long as you keep your weight within a manageable rage you health will not be effect in a bad way, same goes with how your credit score if kept within the healthy credit rage those variations wont have a negative impact on your financial well-bein.

 

EngageLoans - Loan Minutes and Tips

A resource of entertaining articles and easy-to-follow tips that can help you reach your personal financial goals.

Factor Factor Weight
Payment history 35%
How much you owe 30%
Length of credit history 15%
Type of Credit 10%
New credit (Inquiries) 10%

What Does Your Credit Score Qualify For?

Your credit score is just one of the factors when you're applying for any kind loan or credit program...

Read More
Couple Choosing a Lender

Choosing The Right Online Loan

Any loan applied for over a website can be called an online loan, including small business loans and the more traditional mortgage loans....

Read More

Understanding Your Personal Finances

Before you apply for a personal loan you should have a good idea of where your financial health is at. You will have a better chance of acomplishing what you are looking to do by taking out this loan...

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EngageLoans IS NOT A LENDER, DO NOT BROKER LOANS AND DO NOT MAKE ANY SINGLE-PAY LOANS.

Legal Disclaimer: EngageLoans.com does not constitute an offer or solicitation to lend. This Website provides a service wherein we submit the information you provide to one or more lenders and attempts to match you with a lender and does not charge any application fees. States serviced by this website may change on occasion without prior notice and some lender loan programs may not be available in all states. Providing your information DOES NOT guarantee you will be approved for a loan programs lenders offer through our matching process. The operator of this website is not an agent, representative, or broker of any lender, and does not endorse a service or product. Not all lenders can provide up to $35,000 and not every borrower will qualify for a loan or the amount requested. Cash transfer times may vary between lenders and could depend on your personal financial institution. In some circumstances, faxing or provision of additional documentation through other means may be necessary, which could delay the loan approval process. Most applicants will not meet the lending criteria to qualify for a loan, for details, questions, or concerns regarding your loan, please contact your lender directly.

Borrow Responsibly: Some loans programs offered on EngageLoans can be short-term loan is an expensive form of credit intended for short-term financial needs only, not as a long-term financial solution. Late or missed loan payments may result in additional finance charges and fees, your account falling into collections, and may negatively impact your credit history. Lenders may use collection services for nonpayment of loans. Consumers experiencing credit difficulties should seek credit counseling or meet with a nonprofit financial counseling service in their community.

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