Unsecured personal loan means you are borrowing money without putting up any collateral. This type of personal loan is very risky for the lenders. That's why they often set a high interest rate, require higher credit score, and give not big amounts and for short terms. It is usually hard to get approved for an unsecured personal loan with bad credit but not impossible. Also unsecured loan means less paper work and funds are available within a few days after approval. If you need to pay down a credit card debt or some emergency situation arose, an unsecured personal loan may be a good way out.
You can apply for a credit card with 0% interest on balance transfers and transfer your balance to this new card. However, the credit limit on a new credit card may not be enough to transfer all of your balance. But if you transfer a part of the $17,600 and avoid interest payments on it...
If your dentist accepts credit cards, you should consider applying for a card with a 0% interest introductory period. For example, you can apply for the card which has 14 months of no interest.
Payday loans or cash advance loans are good for people with bad credit history or for those who need fast cash. It is usually easy to qualify for a payday loan because lenders are do not pay much attention to credit history, and funds are delivered to your checking account within one or two days after approval decision. Such loans can help you avoid a late payment fee and negative record on your credit report. Payday loans are also good for emergency cash situations, however they often appear to be expensive because may have high interest rates and high late payment fees.
Cash loans are becoming more and more popular these days and today you can get financial assistance in the form of cash advance for any emergency situation.
1. Medical loans
Medical loans are a convenient option to pay for dentist, surgery, and other medical expenses.
2. Emergency loans
Many companies offer fast approval and funds available within 24 hours for any emergency situations.
3. Travel loans
Personal loan may become the best option to fund your annual holiday travel.
4. Home improvement loans
Anything from "move-it-here" job to complete remodeling is real with home improvement loans.