It is quite common that we may one day or another need to borrow the sum of 1000 USD, to carry out a project necessary for everyday life or which is close to our heart. This project can be to buy a new vehicle, because we need it to go to work, but it can also relate to work in the house, insulation for example to reduce energy bills, or decoration for give it value.
When you need a loan of 1000 USD or any other amount,
the first reflex is to ask for this financing from your banker, or even to turn to one of these organizations of credit which one cannot miss the advertisements so many they are, and their attractive offers. Whatever financial institution you choose, we therefore decide to fill out a thick file providing information on both our personal life, our professional life and especially the state of our finances.
Then we send with all this information a very large number of supporting documents, because banks and credit organizations need many documents to decide if they can trust the applicant, therefore if they can grant him a loan.
These steps are particularly painful, because all this is necessary when ultimately, a large part of the credit applicants are turned away because of very strict approval criteria. So, when you want to get a credit and save yourself all these formalities and especially the frustration of a refusal, the best is to call on us, because our loans between individuals are much easier to obtain. Indeed, we do not refuse anyone, everyone can make us a loan request, because our approval criteria are much less restrictive.
Who can apply for a loan from us?
Absolutely anyone can apply for a personal loan with us, since we do not have the acceptance criteria for banks and other credit organizations. Banks, upon request for credit from a borrower, carry out a search for files at the Cream Bank. If the person requesting the loan or his co-borrower are either on file with the FICP or the FCC, then the processing of the file stops at this stage, because the loan is automatically refused. By using our loan services between individuals, your loan is not refused on this simple criterion, and the people on file can therefore submit their requests to us.
Banks and credit organizations are reluctant to grant credit when applicants find themselves in certain situations they consider fragile. These include situations of unemployment, long illness or disability. The situation is estimated to be unstable, the income does not seem sustainable to them, so they assume that, for security reasons, it is better to refuse the loan requested. Likewise, over-aged retirees are very often denied loans, particularly because of their age.
To this list of criteria are added people working in temporary work, fixed-term contracts or part-time, because there again, the banks see a situation and too low and unstable incomes. In short, anything that could suggest a possible short-term default in the applicant is an opportunity for the banks not to grant a loan, and many people are refused their requests for financing without finally understanding exactly Why.
By using our services, your file will not be processed on these criteria. We are only interested in the state of your finances, because it allows us to determine how much you can borrow, and what monthly payments you are able to repay each month.
No job and need money?
Going through our services for your 1000 USD financing request, you will see that everything is very simple. You just need to fill out the form on the site first. Make sure to fill in everything that is requested, it is important for a fast processing of your request. When the form is correctly filled, simply submit it online: it is then sent to a team of personal credit professionals, who will study your request.
By taking into account your finances, therefore your cash receipts and your expenses, our team determines what monthly payment your budget is able to support each month, and it is from this point that it is able to make you a loan offer for your financing. This offer is sent to you, showing the amount you borrow, the total amount that will cost you your credit, the amount of expected monthly payments, as well as the repayment period. You will then be free to accept this offer if it suits you, or to refuse it.
Trusted financial solution?
First of all, because we do not refuse anyone: whether you are on file with the Cream Bank, with a disability, illness or unemployment, retired, temporary or fixed-term contract, you can submit your request to us.
Also be aware that our interest rates are among the lowest on the market and you will not find lower elsewhere. This detail is very important when you know that the interest rate determines not only the amount of your monthly payments, but also the duration of repayment of your credit of 1000 USD. In fact, the lower the rate, the lower your monthly payments, and therefore the shorter the duration of your repayment.
Your loan request for 1000 USD is submitted to personal loan professionals, whose objective is to bring you the best possible offer, which corresponds to an offer that is perfectly suited to your finances, and therefore to your monthly budget. When we submit a loan offer to you, it is because it is ideal for your unique situation.
Example of reimbursement of 1000 USD
- 1000 USD over 6 months = 1100 $
- 1000 USD over 12 months = 1550 $
- 1000 USD over 24 months = 1800 $