Top 4 Poor Credit Loan Providers

If you are looking for availing of a loan, you need to keep in mind that your credit score plays a crucial role in your ability to get a loan. When you apply for a loan, the lender will take a look at the credit score before making a decision, and your credit score will reflect whether you are capable of making the repayment on time.

A lot of loan applications are rejected because of a poor credit score and a bad credit history. However, even with a bad credit history, it is possible to qualify for a loan. In the case a loan application is approved against a low score, it will carry a high annual percentage rate (APR), which may make it difficult for you to repay the loan amount. So, it is important that you compare the different poor credit loan options and go for the one that best fits your requirements.

Here is a list of the top four financing companies that offer loans to individuals with a poor credit history.

LendingPoint
This online lender, based out of Georgia, offers poor credit loans to borrowers whose credit score ranges between 600 and 680. Moreover, it has favorable options for repayment of the loan.

Avant
This online credit lender is a reliable name in the industry and it meets the needs of the borrowers who have a credit score as low as 580. However, for borrowers, it has a minimum salary requirement of $40,000 per annum.

OppLoans
Borrowers who are suffering from a subprime financial condition where they have extremely poor credit histories should opt for OppLoans as they are the only lender in the industry who may process a loan for an individual with deficient credit scores. However, to cover for their risk, they charge a relatively higher rate of interest as compared to the other lenders.

Stilt Inc.
Based in San Francisco, Stilt Inc., is perfect for those people who are yet to build a credit score. This FinTech company looks at various factors beyond the credit score to decide whether they want to sanction loans to individuals.

If you are in need of a loan and have a poor credit score, you may submit a loan application online to one of the lenders mentioned above. However, it is best to understand their terms of lending before you file your application and avail of a loan.

YOU MAY ALSO LIKE

  • Tips for buying a cheap hot water heater
    Appliances have a limited lifespan. If your hot water heater warranty is for 15 years and you've crossed it, then don't wait till it breaks down and you're forced to make an emergency purchase. It's time to shop for a new one before the warranty period ends. Getting a good quality cheap hot water heater takes time, effort, and patience. Let's look at the best ways to find the best bargains for hot water heaters: Review your needs If your heater has been in use for more than a decade, your needs have probably changed over this period. Kids may have grown or left home, members may have been added to the family in the form of seniors or a baby. You may find lots of information telling you that tankless heaters give you big savings, but dollar for dollar, it could be years before you break even. Keep these factors in mind when you research for a new one. Buy directly from the manufacturer Manufacturers often mark-down prices for products with minor cosmetic defects like scratches, dents, or chipped paint. This can be a good way to nab a cheap hot water heater. Unboxed goods can be a steal too. Know the options available: storage, tankless, solar/hybrids, condensing, etc and match them with your needs. Ditch the extras features Unless you live in a very dusty environment, do you need an air-intake screen? Similarly, why pay more for Internet control, fancy touch panels, and the likes? You can get a sturdy, reliable and functional hot water heater for a sensible price. Look for essential features that you really need like warranty period, anti-scaling features if you live in a high-mineral deposit area, and a digital display if you want to keep a check on the operations and the efficiency. Used/Pre-owned appliances You can save big bucks if you don't mind buying a pre-owned appliance. Used appliance stores in your neighborhood, garage sales, and newspaper ads telling you that people are moving out are all great sources to buy a cheap hot water heater. Make sure you factor in delivery, shipping, and installation charges into the cost. Off-season and holiday sales These are the traditional hunting periods for buying a cheap hot water heater. Monitor manufacturing and new product launch cycles, these are times when companies offer great deals on their products. New models are expensive because they have additional features. You may not need these innovations unless the old model had a safety issue. Don't dump the old one You could sell your old hot water heater to a scrapper, get a good trade-in deal, or sell parts to an individual repair technician. If it's in working condition, place an ad online or in your local newspaper to cash in a few extra bucks to add to the budget for your new hot water heater.
  • Use these tips if you wash clothes in front load washers.
    When compared with the types of washers that are available in the market, front load washers are considered to be more efficient as they use less water and less detergent when compared to their top-load and other counterparts. If you wash your clothes in a front load washer, here are some tips to wash your clothes effectively for better results.
    • Be sure to lay out your clothes, regardless of whatever kind they are, in the open so that excess moisture can be dried out.
    • Additionally, after you take out your clothes from the front load washers, keep them on a shelf or a hanger because merely bundling them up will cause them to wrinkle.
    • Do alternate between jackets, jumpers, sweaters, and other such items so that they can retain their shape and not be worn out.
    • Dyed clothes are at more risk of getting damaged by sun rays, as it is best to leave such clothes in the closet instead of hanging them outside.
    • If you were out on a beach, there are chances that your clothes might have traces of salt. Soak them in the water before putting them in front load washers as salt in clothes can damage the drum.
    • Exercise caution when using creams and lotions as they can damage your clothes during the summer season.
    • Make sure your clothes are stain-free before storing them with food stains can attract insects.
    • Mildew is yet another problem that can be encountered. This happens when you leave your clothes folded in a damp state after taking them out from front load washers.
    • Another thing that can provoke mildew is stuffing your clothes into plastic bags after removing them from front load washers. This happens due to excess of moisture in such storage conditions.
    These are some things you need to keep in mind while taking care of your clothes. Follow these tips to keep your clothes clean and fresh for longer time.
  • 7 Advantages of a great touch screen TV
    While buying a television, one of the first concern of every potential buyer is the smart platform. With all manufacturers providing cutting-edge technologies, with latest designs and several inbuilt options, this guide for best touch screen TV will help you narrow down your options and will help you make the right choice. The main thing that you might look for while purchasing a touch screen TV is that it shouldn't get in between you and your content. Best touch screen TV should be quick when started, easy to update and should make it convenient for you to locate news, shows and latest movies to watch. The best touch screen TVs not only provide its owners instant access to services like Amazon Instant and Netflix, but they also enable access to different digital TV catch up services that are available. Here are some advantages of having the best touch screen TVs: Speed With the best touch screen TV, one can operate any device faster. Also, a touch screen ensures faster input and is more efficient and safer. Easy to Use The advantages of having the best touch screen TV is, its quite intuitive and is known to eliminate any scope of error. Touch screen technology has made life simpler. You just have to point at it, and the menu item gets selected. Not only smoother, but the on-screen touch buttons are huge too, thus making sure that all the users know where to touch to select a feature or a function. Simple The best touchscreen TV does not burden the user when it comes to coordination. It also protects user's content from unsanctioned entry. Device size The main benefit of having a touch screen TV is that these are all-in-one solutions. Touch screens are made with the latest technology and are an integrated version of the old-style television devices. Accessibility What makes touch screen TV stand apart is its ability to accommodate users with physical limitations. The making is quite handy and easy to use, touch screen TVs do not depend on a tool to operate. The device operates directly. This helps in enhancing the interface and makes the entire experience more enjoyable. Durability Best touch screen TVs come with different protective features. Not only are they suitable to use in harsh weather conditions, but touch screens TVs are also not affected by grease or dust. These touch screen sets can be installed outdoors and can be well adjusted for public use. With increasing efficiency, the best touch screen TVs have become a part of our present and will surely stay in the future too. With the new generation wanting to swipe the screen for everything, the best touch screen TVs are user-friendly and more convenient to use.
  • Tips for buying a gas leaf blower
    Whether you are the owner of an urban or rural piece of land, a small garden or a big magnificent lawn, there are a few tips that you should always follow while buying a gas leaf blower. Purchase from your local store – Go out, visit a few shops and check the product physically, especially if you are buying for the first time. Check the recommendations that the sales personnel provide on the basis of your requirements. Many dealers keep numerous brands under one roof so that you don’t have to run from pillar to pillar. You can ask for an illustration of the demo model that will give a better understanding of the product. Do not make an impulsive purchase; study the reviews online especially the negative ones. Check the legal regulations – Many states have different laws for operating gas leaf blowers such as complete prohibition or restriction of usage time. Examine these regulations and accordingly buy a product if you don’t wish to attract heavy penalty. Ordering online – While buying online can help you crack great deals, the chances are that you may not receive the exact same product. In that case, prepare to spend a huge sum of money in fulfilling heavy return shipping charges. Therefore, fully satisfy yourself before clicking the 'order now' button and be ready for any adverse consequences. Read the terms and conditions – All warranty, return and replacement policies should be scrutinized meticulously. Ask questions to the salespersons to extract as much information as possible. Many brands accept unused leaf blowers returned for genuine reasons. However, if fuel has been added to it, then returning the product can be a big problem. Understand your body characteristics – Select a handheld model which has the intake feature on the other side of the hand used so that the air pressure does not suck your clothes into the screen. In the case of backpack gas leaf blowers, choose the one that has a cruise control feature. Operate carefully – Especially in the case of shredders, drive away all twigs and other hard materials from the garden before converting to the vacuum so as to avoid any damage to the propeller. To protect yourself from dust based allergies while emptying the blower bags, use a good quality dust respirator. Wear effective safety gear – Eye protection, hearing protection, and leather gloves are essential for the safety of the operator. Also, before refilling the gasoline tank, let the gas leaf blower cool down for some time to prevent the formation and ignition of gas vapors. Setting up the equipment - It is better to get gas sufficient for one month’s requirement along with fuel stabilizer. This will ignite the gas blower pretty well, and there will be no requirement of a huge quantity of gas. Also, some brands sell their canned non-ethanol oils that are premixed already. Purchasing these along with the equipment can extend the warranty and even diminish the problem of stale gas. Homeowners’ associations have different requirements relating to gas leaf blowers for the safety of the residents that have to be fulfilled necessarily. Narrow your options on the basis of these factors and buy a gas leaf blower that will best suit your demands. Brands like Stihl, Echo, Troy, Craftsman, and Hitachi have been successfully providing gas leaf blowers all over the world. The different models such as Stihl BG 86, BG 56; Echo PB 255, ES 250; Hitachi RB24EAP are separately priced according to the features that they provide. With exclusive specifications such as longer warranties, washable filters, innovative starting mechanism and front mounted impellers, these equipment ensure that the garden is cleaned effortlessly.
  • Causes and symptoms of pancreatic cancer
    When cells in the pancreas become malignant, the disease is termed as pancreatic cancer. The pancreas is an organ just behind the stomach. Its main function is to produce digestive juices and insulin to regulate blood sugar levels. Exocrine cells in pancreas make digestive juices and endocrine cells make the hormones. Most often, pancreatic cancer occurs in the exocrine cells but can spread to other parts of the gland. The disease is more commonly seen in men than in women. Causes of Pancreatic Cancer: All cancer types occur due to abnormal cell growth. The cause of the cell growth may vary for different types of the disease. There is no known cause of pancreatic cancer. But there are several risk factors that can increase a person's chances of getting affected by the disease. • Changes in the DNA structure of the cells • Inflammation or swelling in the pancreas • Heredity • Smoking • Obesity • Lack of physical activity • Diet devoid of sufficient fiber but high in fat • Excess alcohol consumption • Diabetes • Problems in the liver such as cirrhosis Symptoms of Pancreatic Cancer: Pancreatic cancer symptoms often develop once the disease has advanced sufficiently. Even at these later stages, the signs of pancreatic cancer are mostly non-specific to the disease and this makes the diagnosis difficult. • Abdomen pain especially in the middle or upper parts of the organ can occur when cancer cells exert pressure on the organ tissues. Back pain can also be a possible pancreatic cancer symptom. • The skin can turn yellow along with the white areas in the eyes (jaundice) when malignant pancreatic cancer cells begin to affect the liver. • Appetite loss, vomiting and feeling of nausea are common pancreatic cancer symptoms. • Unexplained or sudden weight loss • Fatigue, feelings of weakness • Depression • Fatty stools • Itchy skin • Formation of blood clots • Enlargement of liver or gallbladder can occur when malignant pancreatic cells begin to affect these nearby organs. Diagnosis: Depending on an individual's symptoms, the doctor may order tests to confirm the diagnosis of pancreatic cancer. These tests may include one or more of the following • Magnetic Resonance Imaging (MRI) • Computed tomography scan (CT) • Biopsy • Abdominal ultrasound • Endoscopic ultrasound (EUS) • Angiogram • Percutaneous transhepatic cholangiography (PTC) • Laparosopy • Endoscopic retrograde cholangiopancreatography (ERCP) • Blood tests Treatment: Treatment for pancreatic cancer can involve several different approaches. • Surgery Through surgical procedures, it is possible to completely remove cancerous cells from the patient's body. But only if the cancer has not spread to a larger part of the gland. - Whipple procedure is a complex and risky surgery. It is used to remove the entire pancreas or the head of the organ along with other nearby tissues from stomach or the duodenum. - Total pancreatectomy removes the spleen along with entire pancreas. - Distal pancreatectomy removes the end part of pancreas and the spleen. • Radiation therapy • Chemotherapy
  • Why mobile power banks prove to be useful on the go
    Mobile phones have become an indispensable part of human life. It is no longer a device meant only for communication purpose. People are now using these for several other purposes as well. While some prefer to browse movies or stream music on the mobile phones, there are others, who use it for playing games. There are people, who prefer mobile phones for shopping while some others use it for completing several office related tasks on the go. Though it is never recommended to speak on mobile phone while driving, these devices can actually come handy to the driver for locating the place. Whatever is the reason for your use, it is important to keep the device charged and mobile power banks  can be a great option to keep the device charged. With the increasing dependence of people on mobile phones, the need for mobile power banks have also increased significantly. Therefore, you can find mobile power banks in different shapes, sizes as well as capacity. You just need to purchase the one that you think is the right for your use and get the phone charged when there is no power point available for charging the device. Mobile power banks are mostly used by people who are on the road for several hours, yet this is not the only accessory sought  after frequently. Many car owners prefer to get mobile car mounts as well to support their smartphones as well. Mobile car mounts are used for holding the device at a fixed place when you drive the car. Once you get the mobile phone mounted on the car, it will be easier for you to check any activity on it. If you are using the device for navigation, it will be much easier for you to follow the directions by fixing it firmly to the dashboard. Getting mobile car mounts of reputed companies like also eases the task of receiving calls while on the drive. Check the name of your caller without getting disturbed and use your headset to take or ignore the call. Therefore, when purchasing this item, you should give importance to the quality of the product and also note the purpose of use. The price that you pay for the mobile car mounts is important. Yet, it should not be the prime determinant while browsing through some of the popular brands. You should also be careful about the selection of design and color of the product. Also it is recommended to note the model of your mobile phone while purchasing the mobile car mounts as all of them might not be suitable for your device. Mobile power banks and car mounts are now available online. You can check the online stores and order for the best one.