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If you’re reading this page then you’re probably in need of money – which is fine because everyone runs a little bit short at one time or another. So you need a loan, but just how easy is it to get a loan in today’s economy?

This question is very ambiguous because different institutions have different requirements for personal loans.

For example, let’s take a quick look at what you’ll need to secure a traditional bank loan.

1. You’ll need a very high credit, or FICO score. This means your credit history will need to be exemplary with no missed or late payments in the past…not even one.

2. You may also need some form of collateral, depending on the size of the loan you want.

3. You’ll need to apply for an amount large enough to make your loan a worthwhile investment for the bank. This may seem a bit silly to you but some of the major banks don’t like to advance personal loans for less than $1000 because the profit they make in interest rarely covers the cost of the paperwork/staff costs.

4. You’ll need to have time to spare to wait for your bank loan to be approved and advanced. If you need to get a loan quickly then a traditional bank loan probably isn’t your best option.

Now, if you can meet all of the requirements above then a bank loan is a viable option…but if you can’t then an instant approval loan is definitely more for you.

What exactly is an instant approval loan?

Simply put, instant approval loans are personal loans applied for over the internet and approved within hours (providing you meet the requirements).

• You don’t need a perfect credit history or even a good credit history. People with no credit history and bad credit are approved just as often as those with good credit.

• You don’t need to waste time finding paperwork and faxing it or taking it to your lender. Most personal loans advanced in this way only require proof of income, proof of age and a bank account, phone number and email address in your name.

You don’t need to borrow a minimum amount to get a loan either. People have used our site to borrow as little as $50 before now, and the more times you have a loan through us the higher your maximum borrowing amount becomes.

So what are we saying?

We’re saying that if you need money quickly without the hassle of paperwork and credit checks then you’re already in the right place.