Immersion in Personal LoansÂ
Immersion in Personal Loans
Good day, colleagues. Working with Loans in Credit Unions (CU) is one of the oldest and not popular destinations.
Many of you have heard about the Lones in offices such as: Moneylion, Onemain Finance, Happy Money, Sofi, Upgrade, Credit Ninja and many other offices.
Almost all of them are fucked along and across, asking up to a bunch of documents and the color of the cholder's underpants.
In this article, we will plunge into a more private direction in personal loans. Receiving the bosom, I practically did not make screenshots, but still I will warm up your interest. Moreover, so that your lip does not roll up, I will immediately inform you that this is far from a loot button.
Some of you may have tried to crank it up, but for one reason or another you left. Some of you may have tried to crank it up, but for one reason or another you left.
Work is carried out with small banks, they are also credit unions - Credit Union.
Actions for preparing the full-locard, before submitting applications to the CU:
1. Fulles with a loan soon 800-850. The task is not easy, in manual, these fulles are collected hard. Where you get them is your business, but you can buy them at a price of 5-8 $.
2. To each full house to rent a phone number for a month.
3. You must add a number to the credit report. Again, you will have to resort to the help of the services that are engaged in this. Price 30-70 $. If you have a way to add a number, it will be easier for you.
4. Break through DL (preferably with MVR)
Having prepared the fulcrum, we proceed to the next stage, namely to submit an application for loans in the CU.
1. The first thing we do is choose a bank. In fact, this direction implies constant tests, since there will be no such thing that one bank will allow you to get many loans. Therefore, we take all the cu banks in the state of kh, suppose this is Alaska. You and I have 10 prepared full blocks, with a high x.
We select banks and apply for loans.
After that, fill out an application for a loan by clicking apply online
We are thrown to fill out the application, we try to fill out as believable as possible, we indicate info from bg and cr. You do not need to try to take sky-high amounts, given that each bank has its own limits, this can be found on the site. Adequate range of loan 5-25 k.
Payroll: for full time a person works 40 hours a week, 4 weeks, 12 months. It remains to find out the payment in an hour. For example, 51.15 $ per hour, so 51.15 * 40 * 4 * 12 = 98 208 $ is the annual earnings.
At the end of the application, depending on the bank, there may be bg questions, if you do not pass them, then your application will be canceled.
2. By sending an application within 1-3 banking days, you will be called by the sapport that serves your application, he needs to ask questions and clarify the details. Therefore, you will need a caller who does not throw off the bell at the first difficulty. In tz you paint all the information and wait for the call. If everything is successful, the call will answer questions of interest and the sapp will send your application for consideration to the anderite. This person makes the decision to issue a personal loan, since we have high-X fulcrum, there should be no problems. But each bank has its own rules, and even at 850 ks, they may refuse you.
3. If your application has been approved, you will receive a letter from the sapport, with further action. You will be asked to send a photo of the DL front and back, paystubs and, depending on the bank, other documents. Now we need an intelligent renderer who will make high-quality docks and sensible pictures with metadata, which we will send in the return message, by mail, to our sapport. If we answer in English.
4. If your documents do not arouse suspicion, then you will be asked to apply for a membrane clip in cu. The fact is that all applications are submitted through filling forms and it is necessary to replenish the balance. Sometimes there is no minimum balance and you can do without a depot. In most cases, a minimum deposit is required depending on the bank 5-100 $.
5. Next, you apply for a membrane clip, attach a drawn dl, go through bg questions. If everything is done correctly, the docks are drawn perfectly, then you will be approved of membership, send an account number and you will go too far.
6. After creating the account, you write to your passport, throw off the account number, he will prepare the loan documents for signing. You will receive a letter of docusign to open it you need to go through a complex bg of 6 questions. If you mess up, then do not open the file. You will have to call the sappa and ask to send it again, the maximum will be sent to you another 1 time, if you can’t get through - decay and come to the strum.
7. Correctly answers questions, a docusign document will open, there is nothing complicated, put signatures. After that, within 24 hours, the loan will go to your checking or seving account, depending on which accounts you have registered.
8. Loan on your Cheking, now you have to take it off. Tie and depress from your office, cut some investment and pull it with a reverse or display it with an external name on the same name.
This topic is not on everyone's shoulder.
I will provide approximate expenses:
2. Rental of rooms under the state, under each full (200-300 $)
3. Break through the dl to each fulcrum (100 $)
4. Add a room to the cr, to those fulcrum where dl to the state (200-300 $)
5. Drawings for, pastabs and so on (200-300 $)
6. Call. On each flank, depending on situations from 3 to 7 calls (600-1000 $)
7 Replenishment of self-region ba, in reg (50-500 $). In some ba there is no minimum deposit and you can do without a depot, but this is not always lucky.
As we can see, the use of 10 fullock requires spending approximately 1500 $ - 2000 $.
And it’s far from the fact that you can formalize, receive and demolish the Loan. And considering that this can happen 2 and 3 times, then you will only lose.
Believe me, this happens, so draw conclusions yourself, whether it is worthwhile to deal with this direction.