Unsecured Personal Loans

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The gig economy has been tough all over and has helped foster historic levels of income inequality in the US. This has led to many people looking for cash flow solutions on a regular basis, such as unsecured personal loans.

What are unsecured personal loans?

Unsecured personal loans are loans based on income. In other words, they aren’t tied to some kind of collateral.

Common forms of loans tied to collateral include car loans and home mortgages. If you can’t make payments, the bank will take possession of the car or house to help satisfy your financial obligation to them.

You sometimes see such loans called signature loans. The idea is that you just sign for them and the bank largely takes your word for it that you will pay it back.

How do I apply for an unsecured personal loan?

One reason that no collateral loans are popular is that they don’t involve a lot of paperwork. In many cases, all you need to do is supply some basic personal information and give them some financial details.

Typically, they want to know your name, address, phone number and how much money you make. A copy of ID and papers showing your income may be all the documentation you need to support your written application. Here are some common forms of acceptable ID;

  • Driver’s license.
  • State issued ID card.
  • Tribal ID card.
  • Military ID card.
  • College ID card.

For financial paperwork, it’s common to provide a copy of a recent bank statement showing deposits. It needs to be recent to show that this is current income. They don’t care how much you made last year. They care how much you made last month.

It’s really not anything strange.

Financial terms can get hard to understand and confusing, but don’t stress. You may have gotten one before by a different name.

The most common form of unsecured personal loan is an easy payday loan. But people often don’t think payday loans are the same thing.

People can have a bit of a mental block about such things. They think that thing they did at a little brick-and-mortar place is somehow completely different from the kind of loan you get with an online application. But the difference is mostly in how the application is delivered and how the funds are dispersed.

Where can I find unsecured personal loans?

You can find unsecured personal loans and other loans right here. TheGuaranteedLoans is a clearinghouse that helps connect lenders to customers.

We do the legwork for you to help save you time and hassle. We gather together information on a variety of available loan products. You fill out a single application and we check it against our in-house data to find you the best match available.