The internet is now flooded with lenders offering guaranteed online personal loans. While they might be offering virtually 100% approval rates, not all lenders are equal. Some offer better terms than others while others are little better than loan sharks or even scam artists. The following tips will help you get the best terms for your cash advance and not the best terms for the lender.First, even though you may urgently need the cash to cover a financial crisis between paychecks, don’t grab the first deal you’re offered. There a literally dozens of reputable loan companies that want your business; so take charge of your loan application.The payday loans are virtually guaranteed to all comers. The vast majority of lenders will not carry out a credit check against you – before you even begin filling in the online application form, make sure the lender does not perform a search. Also, remember that just because a lender does not carry out a credit check your credit score will remain unaffected – it won’t. All lenders will report their lending to the three big credit agencies.If you were looking to buy a new car, wouldn’t you shop around to make sure you got the best deal? Why should applying for a payday loan be any different? So, go surfing a little on the web to check out the loans on offer.What should you be looking for?First off, find a lender that will give you the amount you want. Lenders calculate how much they’ll lend you on multiple factors. Try a few companies and see what the maximum amount each will give you.Payday loans are really cash advances to help you pay your bills between paychecks. You usually are expected to pay the amount in full next paycheck. If this doesn’t suit you, then ask potential lenders if they offer more versatile repayment plans.Before applying you must feel comfortable that the lender is legit. Things to look out for are: how long as the company been in business (the longer the better); do they have a ‘real’ address (not just a P.O. Box); do they offer other complimentary or free services such as credit reports, debt counseling etc. Another safeguard is to check them out with the Better Business Bureau and the Attorney General’s Office. These organizations will be able to tell if the lender has had any complaints made against them.Finally, determine the bottom line; how much will you have to pay back? Some lenders charge almost extortionate interest rates and other ‘administration charges’. Don’t be afraid to ask the lender exactly how much you will have to pay back. You can easily compare one lender against another.If you really want to make sure you really are getting the best guaranteed online personal loan you need to do some investigation and ask some serious questions. Legitimate lenders will have no problems with you doing this and won’t pressurize you into making a decision you might later regret.
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