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Best Bad Credit Lenders - Unsecured Personal Loans in 2019 - YouTube
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hello there my name is Randi and I just
want to welcome you to WeFindLenders.com
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and I just want to introduce this
particular page to you
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on this page we listed the top 25 bad
credit loans for 2019 they've been
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chosen for a variety of different
criteria we list that below you'll
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notice here it says 2018 it was last
updated that's because we've been
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working on this this page for quite a
while getting it ready for the new year
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when you're all done please if you
find this helpful at all just please
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give us a like on Facebook or Twitter or
what-have-you
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and that would be great anyway so let's
get down here so here's the criteria we
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chose these lenders social media
activity online reviews the loan
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products they have their website quality
ease of use their loan approval time and
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expert opinions that's just a handful
there's a lot more other ideas for
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criteria that we used so then we have
the this is the video link that you just
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click to watch this so let's just go
through this a little bit we provided a
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map of the United States and the map is
just basically the headquarters all of
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these lenders keep in mind that you
won't be getting loans from these
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addresses because these are head office
addresses so you will be using their
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websites if you want to take a look at
their products its interactive so you
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can click on there and the map will come
up and this will be a Google map you can
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use to see the different loans and the
lenders that provide them here we have
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our indexes of comparison index we've
made up and we have this based on the
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max amount of each loan so this company
for instance land up they provide
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maximum of $500 then we go to the next
couple cash advance a loan maximum of
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1000 then we have a low maximum up the
scale of 2000 to 2500 dollars and we
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have one two three four five six
different companies there that's the
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maximum amount of money they can lend
then we have low maximum 5000 up we go
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all the way up to a hundred thousand
plus any of these companies you can
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click and we have the information about
them that's for instance let's try that
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credit so we have all their information
I had office and we have their website
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the maximum they they will lend how many
months term of the loan collateral if
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they need it
funding time APR costs and requirements
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all there where she can click back to
the comparison index on any of these and
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start over so you have lots of different
options there to compare now we thought
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would be good to have a checklist what
we call a borrower checklist and then
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this checklist we have some basic steps
checklist up one some people will pass
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this but we thought it would be a good
idea to see the law in your local
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community with usery so if you click on
our directory here you can click on your
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state for instance let's say it's a
state of Idaho click on Idaho or tap I
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should say and then we have a whole page
just for Idaho and in that list you'll
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see on that page I should say you'll
have the user E and regulations for your
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state it's interesting information to
know what the law is and then we start
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listening to the different cities as
we're working on this as you can see we
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have Boise Idaho and Napa now Nampa
Idaho so far and then we have links to
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the
Idaho Department of Finance and we have
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an Idaho compliance Department for loans
so that that's interesting you can make
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a complaint if you see a lender that
isn't acting appropriately and then of
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course there's another map for an
interactive map for that state and then
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we have a list of all the credit unions
what have you so that's getting a little
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deeper into it
so if anyways if you want to see the law
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in your state you go back you to stay
patient let's go back to our our main
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page we're working on so that's step one
and step two most people skip step one
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but step two is just an i d-- about your
credit score you need to know your
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credit score you probably already do but
if you don't you can use one of these
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providers keep in mind we do not get
paid for any of the links on this
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website we're not affiliated with any of
these companies these are just some
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links you can go take a look at what
they have to provide so you want to know
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your credit score and what that means to
banks and what that means to lenders so
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we have a pretty easy little diagram
here you can follow so if you are
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between 300 and 640 for your credit
score it's obviously compared called bad
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in the eyes of lenders and banks so if
you have a fair credit rating or a good
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or a really good credit rating you don't
need to use a bad credit loan form that
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we have here you can use some lists of
credit unions that we have in the
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different states but in this case we're
talking about bad credit loans for this
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whole page so what's a stick with that
so now you know your credit score
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obviously in the bad range most likely
so just so you know that then you go to
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your checklist step number three yes to
me your APR on the loan we have an APR
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estimation tool
it's not perfect but it can you know
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it's for estimation purposes only but
how that works is for instance you type
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in your credit score let's say six
hundred and thirty and then you type in
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your zip code and how about that type in
that for a zip code and you get your
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estimate enough automatically this page
is created for you this page expires at
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midnight Pacific Standard Time and this
page gives you an ASIC one of a mental
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idea what someone paid from that zip
code not too long ago for a credit score
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of six thirty now no problem with this
is that it's not perfect is that some
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people have collateral and assets did
they put on their loan and we don't know
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what they got the loan for so there's a
lot of information missing as to how
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they got approved for that score but
it's it's kind of an interesting tool
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we're still working on it it's a work in
progress if you've got real bad credit
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rating and no assets you're not gonna
get that right of course let's go back
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so estimate your costs so if you
basically know what your APR is going to
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be you have an idea so you can do this
before you even bother getting a loan
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put in the loan amount you want let's
just say $10,000 and you estimate your
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APR it's gonna be say 12.5 and you want
to get the loan for say three years so
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you top to calculate there's your
calculations now you know what your loan
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payment is per month in this case it's
three hundred and thirty four dollars
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and fifty four cents and then you have
your lender how much they're gonna get
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paid overall over the three-year term
we're talking to over twelve thousand
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dollars and then the total amount of
interest 2043 dollars this is all like I
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say just rough estimates and then that
gives you an idea
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what you may be looking at helpful some
people skip over and go straight to the
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lenders we understand that but we
thought that would be helpful then we
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have recommended reading let's you know
over the different loan types you know
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this installment loans unsecured loans
payday loans cash advances title loans
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secured loans just understanding what
the history of those terms and what they
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mean online and then we have what we
like to see for people when they visit a
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page like this or our website like ours
should you even be getting a bad credit
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loan and that's a good question you know
can you afford it so this all this
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information is to try to help you
navigate what you want to do we have a
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video here from Dave Ramsey talking
about money management which is just all
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good information to have if you are
struggling with bad credit which I'm
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sure you are if you were on this page
there's a lot of good information there
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he gives it kind of you know hard hard
lessons I would have to say you know he
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just tries to straighten people a little
bit you probably heard of them and then
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we have seven alternatives to a bad
credit low well that's good to know
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you know borrow money from a family
member for money from a friend from an
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employer downgrade your home to a lower
cost etc then how to avoid scams this is
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a big deal you know there's a lot of
scammers out there you got to be very
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careful who you're dealing with so we
have some information about how it avoid
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scams we have some experts he's from
this fellow here bill Frey was from the
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University of Pennsylvania's Wharton
School of Business as his information
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about it and then and then we have from
La Jolla here from the balance which is
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a good website on Finance and she's got
some good credentials and some good
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information here but how to avoid scams
and then we have one from Maggie from
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OPP loans and she's got some good
information about how to look for
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reviews and what have you our websites
good information to know be careful who
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you do business with and then we have
another Ashley
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another feature video from Dave Ramsey
you can tap this image to watch the
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video this is a actually a case study he
did about somebody who was paying 38% on
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alone and our student loan debt so this
may be something you could garnish from
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that and then we have case studies these
just a couple links to some case studies
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we have they were submitted from some of
our sister sites from long ago but they
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say this they're still valid and then if
you scroll right down to the bottom of
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the page to the last article that's it
we have a final wrap-up and this is from
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Lance Somerset and lass has his his
degree from the University of Illinois
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and he you can see him on Quora if you
want to ask him a question personally
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yeah so if there's any information here
that helped you we hope it did and like
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please go ahead and share some of this
around if you can and there's a handy
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link here at the bottom called back to
top so there you go
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we have all the lenders for 2019 for bad
credit and you might be able to find a
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company they'll do business with you
maybe you'll find a loan that works for
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you there's there's the list again ok
bye for now and good luck
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you can see more of us that WeFindLenders.com
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