Winship Lending

• Winship Lending is a loan matching service that lets potential loan applicants search through loan vendors until they find the perfect match for their financial needs
• New lenders are being added to Winship all the time, so if someone is denied a loan, it’s recommended they check back frequently
• There is no charge or fee to look for a loan through the Winship web site, but the loan vendors will have their own fees

To start the process of searching loan vendors with Winship, applicants will be asked to rate their credit, from from the choices of “excellent, good, fair, or poor.” How someone rates their credit changes what potential loan vendors Winship Lending will show them.

Winship Lending Comments

• Loans issued by vendors through Winship will be wired directly to the applicant’s bank account
• Winship Lending offers short-term loans up to $1,000 and long-term loans up to $5,000
• Installment loans from Winship are loans that are repaid in several equal installments, and has a term of many months. Short term loans are loans that are usually smaller, and unsecured, but are designed to meet a quick need and be paid back all at once (usually until the next paycheck)

There is no guarantee that a Winship loan search will result in a loan application opportunity and in order to qualify for a line of credit the customer must be 18 years of age or older.

What are the Qualifications to use Winship?

• Entering a cell phone number instead of a home phone number makes lenders on Winship less likely to initiate a loan
• Winship can be reached at 136#126 Johnson Ferry Road,  Marietta, GA 3006 or via phone by calling 877-251-2126

There are only three main requirements to use the Winship Lending web site to find a loan. The applicant must be 18 years old, have a regular job with documented pay stub (or other source of income like child support or lottery winnings), and have a current bank account that money is directly sent to.

Primary References

1. www.winshiplending.com

Best Choice Lenders

• By using Best Choice Lenders, borrowers can search through multiple loan vendors to get a loan from $100 to $5,000
• Filling out an application from Best Choice Lenders only takes a few minutes, and borrowers will be approved within one hour (and can have money in their account in as little as 48 hours in most cases)
• To date, Best Choice Loans has helped over 60,000 people get financial flexibility through payday loans

The Best Choice Loans website is a loan marketplace where shoppers can search through over 100 different vendors to find a loan that matches their financial needs. Most vendors on Best Choice Loans require borrowers to set up automatic loan payments through ACH transfers (which means that payments will be made on time, and there will never be any late fees for the customer to worry about).

Best Choice Lenders Comments

• In the majority of US states, laws prohibit payday lenders from being able to extend loans, which also means that Best Choice Loan services is not available in all states
• After making initial contact, customers are under no obligation to use a Best Choice Loan vendor that they’re uncomfortable with
• Loan approval is not guaranteed

To Be Eligible To Get A Loan From A Best Choice Loan Vendor:

• Applicants must be employed, and must have worked at that job for at least 3 months.
• Applicants for a Best Choice loan must also be a legal US resident at least 18 years old, and have an income of $1,000 a month before taxes, plus an active checking account and working e-mail address and telephone number

To contact Best Choice Loans please dial 866-971-7538.  These rules do vary from vendor to vendor, but as a general rule, all loan companies that can be found through Best Choice Vendors have a few general guidelines. Som vendors through Best Choice do have added rules of their own.

Primary References

1. www.BestChoiceLenders.com

Net Pay Advance

• The Net Pay Advance web site offers customers the opportunity to apply for short-term payday loans that can be used for a number of purposes, like emergencies, home repair, and more
• A loan that’s approved from Net Pay Advance by 5:30 p.m. Pacific Time will be deposited the next business day
• Customers will receive an e-mail with the status of their Net Pay Advance loan usually within one hour of the time they applied (during business hours)

No credit is required to apply for a loan from Net Pay Advance (meaning Net Pay Advance does not run a credit check before the application), and money can be deposited in the applicant’s account in as little as 24 hours.

Net Pay Advance Comments

• Application is free and customers will not be charged an application fee
• The total amount that’s available to borrow from a Net Pay Advance loan depends on the individual applicant, but in many times, it’s as much as $1,500
• Any loan made through Net Pay Advance will be due on the borrower’s next pay-day (between 7 and 31 days) in full
• No payments can be made on a Net Pay Advance loan.

At the present time, only residents of Texas and California can use Net Pay Advance for loans.

How to Apply For A Loan From Net Pay Advance

• Applying for a loan from Net Pay Advance will have an effect on the borrower’s credit report
• If a loan from Net Pay Advance is paid with a bank transfer directly, the applicant will be eligible to apply for a new Net Pay loan in as little as 4 days

Any questions in regards to a Net Pay Advance loan can be directed to 888-942-3320.  To get started with a Net Pay Advance application, customers just need to click the “Get Cash Now” button and enter their basic personal information. Applicants will need to verify their income by sending a pay stub to Net Pay Advance.

Primary references
netpayadvance.com

Try SoFi

• View a rate associated with SoFi student loan refinancing
• Students who refinance with SoFi save on average $18,936 (this number calculated based on all SoFi members who refinanced their student loans between 1/1/15 and 12/31/15)
• The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members who refinanced their student loans

The Try SoFi find my rate service is free to use and will not harm a credit score/rating.  In order to view a rate the student will have to provide their name, email address, and state of residence (the entire process will take less than 2 minutes to complete).  Please note that both federal and private student loans are allowed to be consolidated using the SoFi service and students can apply from any computer or mobile device in a matter of minutes.

Try SoFi Comments

• Ideal for college graduates who have high interest student loan debt
• Fixed rates from 3.50% APR to 7.74% APR (this is assuming the student signs up for the AutoPay service)
• Variable rates from 2.15% APR to 5.95% APR (again with AutoPay)
• SoFi provides live customer support 7 days a week
• Loans are never guaranteed
• Refinancing takes as little as 15 minutes and most applicants will receive a decision instantly
• Allows students to compare and contrast available plans in terms of specific loan payments, rates, and terms (some students may prefer to stretch the loan out of a longer amount of years)
• Students may be asked to verify certain documents associated with the refinance process (screen shots or smart phone photos are acceptable)

Plus if a college graduate has recently lost a job SoFi may temporarily pause a student loan payment and help them find a new job (maybe SoFi will even hire them).  Any questions about the Try SoFi rate offer can be directed to (855) 456-7634 or email customerservice@sofi.com.

Primary References

1. www.trysofi.com