Loan Guidance & Services

Find the Perfect Loan for Your Needs

Competitive rates, flexible terms, and a simple application process to help you achieve your financial goals.

Loan Options

Explore various loan options to find the one that best fits your financial needs and goals.

Personal Loans:

  • Unsecured loans for various personal expenses
  • Fixed interest rates and monthly payments
  • Loan amounts from $1,000 to $50,000
  • Repayment terms: 1-7 years
  • Fast funding - often within 24-48 hours

Mortgage Loans:

  • Fixed-rate mortgages: stable payments
  • Adjustable-rate mortgages: lower initial rates
  • FHA loans: lower down payment options
  • VA loans: for veterans and military members
  • Jumbo loans: for higher-value properties

Auto Loans:

  • New car loans: lower rates for newer vehicles
  • Used car loans: financing for pre-owned vehicles
  • Refinancing: lower your current auto loan rate
  • Lease buyouts: purchase your leased vehicle

Loan Calculator

Estimate your monthly payments and find a loan that fits your budget.

Estimated Monthly Payment

$301.00

Total Payment: $18,060.00

Total Interest: $3,060.00

Loan Application

Fill out this quick form to get pre-qualified for a loan without impacting your credit score.

Loan Requirements

What you need to qualify for a loan and improve your chances of approval.

Basic Requirements:

  • Good credit score (typically 670+)
  • Stable income and employment history
  • Low debt-to-income ratio (below 36%)
  • Proof of identity and citizenship status
  • Collateral for secured loans

Documents Needed:

  • Government-issued ID (driver's license, passport)
  • Social Security number
  • Proof of income (pay stubs, tax returns)
  • Proof of address (utility bills, lease agreement)
  • Bank statements and asset information

Tips to Improve Approval Chances:

  • Check your credit report for errors
  • Pay down existing debt before applying
  • Avoid applying for multiple loans at once
  • Consider adding a co-signer if you have weak credit

Frequently Asked Questions

Get answers to common questions about loans and the application process.

Q: How long does the loan approval process take?

A: Personal loans can be approved within 1-2 business days, while mortgage loans typically take 30-45 days from application to closing.

Q: Will applying for a loan affect my credit score?

A: Initially, there may be a small dip due to the hard inquiry, but making timely payments on your loan will ultimately help build your credit history.

Q: What's the difference between fixed and variable rates?

A: Fixed rates stay the same throughout the loan term, while variable rates can change based on market conditions. Fixed rates provide predictability, while variable rates may start lower but carry future uncertainty.

Q: Can I pay off my loan early?

A: Most lenders allow early repayment, but some may charge a prepayment penalty. Be sure to check the terms before signing the agreement.

Need Help? Contact Us

Our loan specialists are ready to assist you with any questions.

Call Us

1-800-FIN-LOAN

Hours

Mon-Fri: 8am-8pm EST

Sat: 9am-5pm EST

Take the first step toward your goals today - the right loan can make all the difference!