Determine what your monthly unsecured loans expenses and total interest rates can be. Typical personal loan terms are 12, 24, 36, 48, or 60 months.

The interest rates associated with your loan are going to depend on your credit. We suggest you obtain a copy of your credit report before you apply to ensure that the information on your credit report is accurate and up-to-date. Having mis-information listed on your credit file can negatively affect the approval amounts, interest rates and terms you receive for your loan.
 

How much money should I borrow?
Never borrow more than you can afford. To determine what is acceptable for your situation, you need to total your monthly expenses and calculate how much disposable income is left over. You also should not use all of your disposable income for your loan.

Don't forget the extra costs...
When figuring out how much to apply for, you should consider all the costs involved with the intent of your loan. For example, if you are going to use the cash you receive from your unsecured loan for making repairs to your vehicle, you have to consider unanticipated issues that occur, like the final cost exceeding the estimated figure.

The above example is just one scenario why it is important to consider the extra costs. If you have any questions, please contact us.

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