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How UnsecuredLoans.org Works

The difference between an unsecured loan and a payday loan lies in the number of repayments and time period. A typical payday loan lasts 14-30 days and customers are expected to pay back their loan on their next pay date in one lump sum. In comparison, an unsecured loan is a more long-term financial product with a number of repayments. Unsecured loans may last a number of years but in the case of unsecuredloans.org, they typically last 3 months to 12 months.

As such, we took the loan application process and make it extremely straight forward. All you have to do is fill in our quick and easy two minute application form the you're done. It doesn't matter if you are requesting $300 or $5000, our lending network has access to the capital you require. All we ask is basic personal information regarding you, your situation and your current employment.

UnsecuredLoans.org requires you to have the following, at a minimum, for your application to be accepted:

  • Minimum of $1000 monthly income.
  • Valid checking or savings account in your name.
  • Current (and valid) home telephone number.
  • Valid U.S. Social Security number.
  • Over 18 years old.
  • The APR (annual percentage rate) and fees for a unsecured oans vary by state and duration. Each lender should provide its loan terms clearly and in a way that is easy to understand. If you do not understand the terms of the loan or don’t agree with them (including the APR), do not continue or agree to the terms and do not provide your electronic signature. You are not obligated to accept the terms for any reason; however, you will not receive the loan if you do not agree.

    Once you have entered all of your data, we'll check it and let you know instantly on screen if you've been approved or declined for your unsecured loan. In certain circumstances we may call you for requests over $1000 to go through your application. If you are approved then we'll transfer your desired loan amount direct to your bank account. Once approved, you will usually receive the funds as fast as possible.

    Once you have the funds in your bank, they are yours to do what you want with. All we ask is that you abide by the terms of the loan agreement and pay it back within the time specified.

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