Personal loans may seem difficult to find if you don’t know where to look. In order to get a personal loan, you should be in good standing with the financial institution. In order to get a loan quicker, you should have at least maintained services with the financial institution for two years before considering applying for one of the companies personal loans.
Your Local Bank
Going to your personal bank is one place that you can locate personal loans. You may be able to apply online for the loan. For example, if your bank is Wachovia or Wells Fargo, you can apply for a vehicle, education, mortgage, or home equity loan. You can also refinance your bills with an auto refinance loan, so that you will have one low monthly payment. The loan application can be completed online or you can go to the bank branch office.
Credit Card Companies
Credit card companies are another place where you can receive personal loans. Some credit card companies that you can receive a personal loan at are Capital One and CitiFinancial. At Capital One, you have to receive an invitation by mail and complete the form online or through mail. You don’t need any collateral. All you need is to have good credit. If you are already in good standing with Capital One, you will more than likely be approved for the loan. You will receive your check in the mail in at least 10 days.
CitiFinancial is a loan company that offers personal loans to consumers. You can start the application process online. Once CitiFinancial receives your application, they will send you an email confirming that they have received your application. Your local CitiFinancial branch will receive your application information and they will contact you, so that you can come in to discuss your loan options, including how much money you qualify for. Once all of the paperwork is processed, you could have your money in 24 hours or less.