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I asked for 500 and, to be safe, I made up an address, a name (Mary) and a Social Security number. The site asked for more sensitive stuff - a bank account number and a routing number - and I made that up, too. In spite of discover person loans denied made-up information, in less than a minute, I got a response. "Congratulations. Tremont Lending has been selected as your lender and you have been pre-approved for a loan up to 750.
" If I wanted to borrow 750 for a week, I would have had to pay 225 in interest. The site said that was an annual percentage rate of more than 1,300 percent.
I did not agree to take the loan. But within minutes, my phone rang (I had entered my real phone number). It was a guy from Tremont Lending, in South Dakota.
Pros and cons of loans. Lets face it, most people at some point in their lives need to borrow some money. So its important to understand the pros and cons of the different types of loan, as well as how to secure the best rates.
If not, you could end up with a poor deal and costly credit can send you into a downward debt spiral. Secured loans.
Loans can broadly be divided into two categories: secured and unsecured. With a secured loan, the lender will insist on some sort of security against the money you borrow, often a house or car. If you default on the payments, the bank or building society can then sell the asset to clear the debt. You can usually borrow large amounts with a secured loan, and at a loan interest personal loans rate of interest.