There are credit lines aimed at individuals who need a breather in their budget for a certain objective. It is worth researching to identify which one best suits your profile. So, check out what is a personal loan.
In this modality, the applicant does not need to present a property as collateral for the operation, nor link the amount to a good that will be acquired, as in financing.
A personal loan is a transaction in which a financial entity specifically delivers a monetary sum to a client, who must repay the loan within an agreed time period plus interest.
| Positive Points | Negative Points |
|---|---|
| The payment terms are the longest in the market | Have an active bank account |
| Responses on the loan are usually very fast | A credit analysis is required to apply for a loan |
This type of credit differs from others in that it is delivered without additional guarantees or collateral, as is often the case, for example, with home loans, where in addition to the customer's personal responsibility, proof of a guarantee is required.
It also differs from credit cards in that it has a credit line available to the customer that can be used as many times as he wants as long as it covers the payments before they are due.
While personal credit has a defined term, and when the deal is finalized, another procedure must be initiated to start a new credit.
As simple as it is to understand how to get a personal loan, prior planning should not be forgotten. This is because the loan should be a solution for an emergency, with the commitment to repay the amount.
Therefore, it is necessary to have structured financial planning. In this way, you will know exactly what a personal loan is.
Thus, the payment of the installments will not weigh heavily on your budget, and you will not generate a default debt. This avoids the application of interest, which can compromise your name.
| Benefits | |
|---|---|
|
No Hidden Fees
|
No hidden fees for loan application |
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Security
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Security system in place to prevent fraud |
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Online application
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Fully online loan application process |
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Support
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24-hour customer service |
In this publication we will show you a little more about the Alliant Personal Loan.
Pre-payments
The Alliant Personal Loan has no fees for the advance payments of the credit requested. It is ideal for those who need money for an emergency but are planning to pay it off more quickly. So, click on the button below and request your loan.
I Want My LoanRates
Alliant's personal loan rates range from 10.49% to 12.49%, and vary according to the terms. The longer the terms, the higher the rates.
Terms and amounts
Alliant personal loan terms vary from 12 to 60 months for repayment. In addition the loan amounts range from $1,000 to $50,000, and it is possible to request the highest amount on your first application.
So, learn a little more about the loan and apply for it by clicking on the button below.
I Want My Loan
