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There are hundreds of reasons why you might need to take advantage of quick loans, but the exact reason for you needing money isn’t important. The important things to think about when considering personal loans of this nature are the terms and conditions of the actual loan and the reliability of the lender.

To help you make a decision regarding who to apply to for an instant personal loans, below we have outlined a few factors you should consider.

1. Your lender

Our website has been designed to be used as an intermediary so that one application from you can be matched to several suitable lenders. Not all lenders will agree to a loan in principal based on your initial application, but most will and it is our job to present the best possibilities to you.

If you choose to apply for instant personal loans elsewhere, this legwork may not be done for you and you’ll need to narrow down the options yourself. You can do this by comparing the lending criteria and the repayment terms.

2. The lending criteria

Every loan provider that offers quick loans will have their own lending criteria. It’s often the case that the criteria are very similar from one lender to another, and in general you will need to provide:

Other than this though, you shouldn’t need any other information and any lender that asks for paperwork or credit checks may be more inclined to decline your application.

You should also consider the interest rates being charged on your loan. Some lenders offer lower interest rates the more you borrow while others lower the rate if you take out a long term loan e.g. from one to five years, rather than a short term loan. Again, we look at all of these factors when suggesting the best lenders to you.

3. Repayment terms

Different personal loans have different repayment terms and you need to choose a lender that can offer repayment terms that suit your needs. Quick loans generally fall into one of two categories:

Think carefully about the time you’ll need to completely repay your instant personal loans because a missed deadline can be costly and damaging to your FICO score.

As with any type of financial agreement, you’ll need to look at the terms of your loan carefully before agreeing to anything. Used in the correct way, these personal loans can help to improve your credit score and get your bills paid. Use them incorrectly though and you could end up in more debt than you originally start with.

© 2013, Inc. All rights reserved. is a free comparison service empowering consumers to make better financial decisions. Our services are completely free of charge to our customers. However, this site may be compensated when a user clicks an "apply" or "apply now" button, or other links on the website.

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