Thursday, November 22, 2012

Loaning 101: Personal Loans and Payday Loans In a Nutshell



What is astonishing about personal loans and payday loans is that is not as rigid and elusive as most bank loans are. Of course, if you are borrowing from a bank, it is readily assumed that you are borrowing a huge sum of money for an equally enormous investment. However, with personal loans and payday loans, we are only talking about solutions to short-term financial difficulties, which a majority of us face every once in a while. 


If you are aiming to apply for personal loans Singapore or a payday loan Singapore, you just have to make sure first that you are a Singaporean or you have permanent residency in Singapore. If you suddenly need a certain amount of money to pay for a bill that you cannot afford to miss, a Singapore personal loan is the smartest decision you can make for your situation. Aside from your eligibility on the basis of your nationality, another basic criterion that you have to meet before you can apply along with the pertinent documents is that you have to have a gross income of 20,000 dollars per annum. 




Individuals with a regular employment status or people with steady-income businesses are more than eligible for these kinds of loan arrangements. The additional requirements for personal loans and payday loans are usually extremely basic as well such as proofs of income, billing statements, and loan contracts. Some money lenders may even require related documents to your loan application to help speed up the process for you. 

Application processes are usually short, and once approved, you can immediately have the amount of money you want to loan in your own hands. Moreover, what makes personal loans and payday loans remarkable is that you can choose your own repayment terms whether on weekly, biweekly or monthly installments.

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