Rainey Day Financial Services LLC

Personal Loans  

Key Benefits

2. *Unsecured Signatures *Debt Consolidation *$10,000 to $50,000 Any Purpose

Capabilities

Capability 1

 

A "personal loan" is one made by a lender to an individual borrower when the money is to be used for personal reasons.

 

This type of loan is made when the lender is satisfied that the borrower has the ability and intention to pay the loan back. When no collateral is required, this loan is also referred to
as a “signature loan".

Through special arrangements with a series of major financial institutions, We are Loan Brokers for small loans under $10,000 through the Loans-By-Mail Program.
 

Capability 2

 

ADVANTAGES:
 The loan can be unsecured with no collateral such as real estate or personal property required.
 If collateral is required, personal property or household goods may be all that is needed.
The loan can be made with simple interest terms offering maximum flexibility, usually with no pre-payment penalty.

DISADVANTAGES:
There is a limit on how much can be borrowed with no collateral or security.
With limited or no collateral required, the interest rate may be higher.
Repayment is made over five years or less, with monthly payments proportionately higher than with secured long term financing.

 

Capability 3

 

Borrowers with little or no net worth or Insufficient to marginal credit histories will normally not qualify for unsecured funds.
IMPORTANT NOTE: Income and prior credit history become paramount in considering credit worthiness.
IMPORTANT NOTE:
Exact interest rate and term are contingent on borrower’s present debt service versus earnings, prior credit history and financial net worth. A specific quote can be made upon receipt of a complete submission package.
Rates are subject to change, sometimes without notice, and will vary with money market and prime rate conditions.


 

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Copyright © 2007 Rainey Day Financial Services LLC
Last modified: 10/03/07