Sunday, May 11, 2014

Best Unsecured Personal Loan Deal - 3 Steps to Getting There

For most of us today, the need for cash seems ever-present in our lives. However, there are those times when we are in particular need of money. This can be brought on by a number of factors including: unforeseen medical bills, sudden car trouble, climbing debt payments, or the need to help out a family member.

When these sudden and unusual cash needs crop up, it is particularly frustrating when we're already leveraged with too much debt. If you have no equity in your home (or you are a renter), having no equity in your car, and have less than $20.00 in your bank account, your options may feel pretty slim.

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At this point, your best bet may be a to take out an unsecured personal loan. This is a loan that allows you to get direct access to cash without having to put up any collateral. Of course, the interest rate on an unsecured loan is a bit higher than that of a secured loan. But if you take out a loan for a relatively short time, you can still get away with the pain much interest.

If you are looking for the best unsecured personal loan deal, here are 3 steps to getting there:

1. Search for "unsecured personal loan lender" directory sites:

The first thing you need to do is build up your financial tool box. You can do this by creating for yourself multiple options as far as lenders to choose from. You are going to want to find directory sites that specialize in unsecured personal loan lenders. (A directory site is simply a listing all in one place of multiple other websites for a given topic).

2. Make a list of at least 5 lenders:

Be sure to make a list of at least five lenders' websites. Why go to all that trouble - after all, wouldn't one or two sites be enough? Well as it turns out, the answer to that question is no. As with anything else, the more options you have the better chances you have of doing well in your search for the right lender. Remember your goal is not only to get accepted for a loan, but also to get the best-possible rate you can. Spending the extra 5 - 10 minutes of research could mean saving you lots of money due to your getting a lower interest rate with a better lender.

3. Research online discussion boards to find customer feedback on each lender:

Before you start applying to unsecured personal loan lenders, you'll benefit greatly from doing a bit more research first. This type of research involves getting feedback from fellow customers who have used these lenders on your list before. Obviously, you will want to look for any signs of either good or bad customer service. Based upon that feedback, you should narrow your list down to 2 to 3 lenders.

When you have narrowed your list down to 2-3 lenders, it is time to start applying! Be sure to apply to each and every lender on your list, even if you already have gotten a quote.

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