How To Get Long Term Loans?

Long term loans can help you make large upfront purchases without breaking the bank!

Here's the deal:

When we borrow money we often focus on the amount instead of the duration, however taking out a loan long term can make even the largest amounts easy to manage and repay.

By using our loan connection tool, you can reach a network of over 100 online lenders, who can issue unsecured loans from 3 to 36 months!

What Is A Long Term Loan?

A long-term loan is the best solution for those large upfront purchases that you cannot usually afford.

Long term loans examples: Whether you need a new car, are going traveling the world, want to renovate your home, or anything in-between—our lenders let you borrow amounts up to $5,000, with repayments made in monthly installments.

Because you can borrow over a period of up to 3 years, even those on a modest income can easily manage repayments. And, if you can afford to, you can repay in as fast as 3 months.

long term loans photo

Advantages and Disadvantages

The advantages of long term loans are clear. You can easily stay on top of repayments because each installment is so small. This means you can also borrow relatively large amounts (up to $5,000), even if you wouldnt usually consider spending such amounts.

The major disadvantage is that for as long a loan is outstanding you must pay interest. So, for example, you will end up paying more in interest on a $1,000 loan over 20 months than 5 months, but depending on your situation, it will still be less of a monthly burden if you opt for a longer term.

Why Our Service Saves You Time

You might be wondering why you should use our service instead of going to the bank or another large lender?

We save you time!

The bank often requires you to visit your local branch, fill out stacks of paperwork, or at least take a phone call. You can be waiting for days for everything to be finalized and if you have bad credit, you're unlikely to be approved anyway. If you're rejected you then have to find another lender and repeat the process.

Not only does this take time, but it can also harm your credit report.

Not with us-our site allows you to enter your basic details into one form and we pass this through a large network of lenders that offer between $1,000 and $5,000, over 3 to 36 months. If you are connected, you can complete the application online and you will know onscreen in a matter of minutes whether you have been approved.

The entire process can be carried out online, with no faxing if you have digital copies of your statements.

What's more, if you sign the lenders contract during the working week (which can easily be done online), you could see the cash in your account in as fast as one business day-ideal if you the money quickly.

You will provide your bank account when making your application. This allows the lender to issue your funds asap and automatically take the repayments as per the payment schedule issued to you.

If you need cash fast, it doesn't get any faster or easier than our loan connection tool!

Apply With Bad Credit

As a loan connection service, we do not carry out any credit checks and our service is free to use. However, we do connect you with a lender from the network they will reserve the right to perform some kind of credit check.

If you were searching for "no credit check," you don't have to worry, as our lenders will fairly assess all applications regardless of the credit check outcome. Of course, this doesnt mean approval is guaranteed, but it does mean your income, employment status, and other factors will be taken in to account. You will not be automatically rejected for having bad credit.

The only terms you must meet to be eligible are:

- You must be 18 years old or older because this is the legal borrowing age.

- Have a contact address in the United States and by a legal US citizen.

- Have a verifiable income of at least $1,000 per month from employment or another accept source.

- Own a checking or savings account in your name that accepts direct deposit and debits.

Thats it! If you can meet these basic requirements, you can use or tool and lenders will fairly assess your application.

Note: All loans are unsecured so you will never have to put up collateral to get approved.

Is There Instant Approval?

Beware: Some websites like to promote the idea of "instant approval," but this is usually a misleading marketing strategy. No website or lender can offer instant approval, as some processing needs to take place.

The good news is that because the process can be completed using your PC or mobile device, you will know onscreen if you have been approved in just a few short minutes. It will only take longer if the lender needs further information or is struggling to verify what you have entered.

To ensure you have the smoothest experience, remember to double-check your information before submitting.

Your Loan Cost

All loans cost money in the form of interest, whether you take out a long term loan or have a duration of just 3 months.

The exact Annual Percentage Rate (APR) you are offered will depend on a number of factors, including the amount you wish to borrow, how long you wish to borrow it for, your personal financial situation and how the lender decides to assess this, and state regulations.

While we cannot predict what rate you will be given, the lender will make it clear to you before you sign the contract. By law, all lenders must give you a digital copy of the terms and conditions in advance.

This will also include the offered repayment schedule, policies on late fees and other potential charges, and all the other terms of the agreement.

Remember: Taking out a loan is an important obligation and failure to make repayments may result in collection proceedings and a black mark on your credit report. If you believe you will be unable to make payments, you should contact the lender right away to discuss your options.

You are free to walk away at any time prior to signing the agreement. Unless you sign it, the offer remains an offer.

Online Personal Loans Made Easy

Whether you need a small or large amount over the short or long term, our lenders can make you an offer that suits you. These personal loans are issued as soon as you sign the contract and you could see the cash in your account in as fast as one business day!

What could be easier than that?

Latest Posts:

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site's Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender's renewal policy.