Mint Money

Mint Money offers fast cash personal loans. You can get the money you need to cover unexpected expenses. It's the fastest and easiest way to borrow.

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Skip the hassle of visiting an office to apply for a personal loan. Pick up the phone and request a personal loans you need.

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Time Savings

Most lenders have online service that only take a few minutes to make a decisions, and you could get approved/reject in a minutes.

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Get Personal Loans Up To $5,000

Mint Money Loans

Are you in a financial bind, needing quick access to cash? If you have less-than-perfect credit or traditional loan options may not work for you. That’s where Mint Money loans come in. Mint Money Loans may be able to get you the extra money you need fast. Plus, there are several options to suit a variety of situations, whether you have bad credit, no credit, or excellent credit.

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What is a Personal Loans?

There are specific types of loans for specific things. You get an auto loan to buy a car or a mortgage to buy a house, for example. But what about when you need money for something else? If you want a loan for other purposes like buying furniture, paying medical bills, covering moving expenses, or renovating your house, you’ll need to get a personal loans. Fortunately, you might even be able to get a personal loans online.

A personal loans is a type of financing. That means someone — in this case, usually a bank, online lender, or credit union — gives you a lump sum of money. The agreement is that you’ll pay that amount back, plus interest, in incremental payments over time. Generally, you can use the money you get from a personal loans for any purpose. This type of loan gives you more flexibility than, say, an auto loan, which you can only use toward the purchase of a vehicle.

Personal Loans Purposes

In most cases, you can use a personal loan for whatever you want. That means you can use the money to:

  • Make an expensive purchase, like buying furniture or electronics
  • Pay off medical bills
  • Consolidate debt from multiple credit cards
  • Complete home repairs or renovations
  • Pay for a wedding
  • Pay for a vacation
  • Pay for funeral expenses or divorce costs
  • Cover moving costs

In other words, you can use a personal loan however you need. Just remember that you’ll have to pay the money back.

How Does a Personal Loans Work?

To get a personal loans, you apply with a lender. That usually means giving them some personal information, including details on how much money you have in your accounts and your income.

Assuming the lender decides you’re safe to lend to based on your info, they approve you for a personal loans and they give you the loan money in a lump sum. Then, per the agreement you made with them, you start the process of slowly paying that money back, plus interest. Usually, this means making monthly payments for a set amount of time (the loan term).

Types of Personal Loans

Now, let’s take a look at the different types of personal loans you can get to cover your personal expenses.

  • Payday Loans - Payday loans are small-dollar loans, typically $500 or less, that are usually due within two to four weeks on your next payday, hence the name. You can often get this loan type even if you have bad credit, as many brick-and-mortar lenders don’t check your credit. Instead, they base the loan approval on a recent paystub. Online payday lenders are still flexible but do often check your credit. The downside is, payday loans often come at a high cost. Some have APRs as high as 400%, so they’re only recommended if you can’t qualify for other types of financing.
  • Collateral loans - Collateral loans, also known as secured loans, are backed by an asset like your car title or other personal property. When it comes to short-term loans, you’ll most often see collateral loans from pawnshops and auto title lenders. Pawnshops enable you to provide an item of worth in exchange for a loan. Then, if you don’t pay off your loan, they keep your item. If you own your car in full, auto title loans lend you a percentage of your vehicle’s worth. However, if you fail to repay it plus interest and fees by the due date, you could forfeit your car. Collateral loans may be easier to qualify for and have lower rates than unsecured loans. But if you default, your lender can take the asset you used to guarantee the loan, so make sure you can pay on time if you go this route.
  • Personal lines of credit - Unsecured personal lines of credit are similar to credit cards. You’ll be approved for a certain loan amount that you can draw from as needed, so long as you don’t go over the limit. You won’t be charged interest on any money that you don’t use, which makes lines of credit ideal if you don’t know how much money you need to borrow. However, you’ll need decent credit to get approved.
  • Emergency cash loans - Emergency personal loans can help you cover unexpected expenses like car repairs or vet bills. They’re usually unsecured and have fast funding times to get you the money you need quickly. Upon approval, the loan amount is disbursed as a lump sum. Interest rates are typically fixed and terms often range from a few months up to a year or more. The downside is you will typically need decent credit to qualify. Further, you’ll need good to excellent credit to get attractive rates and terms.
Who is Mint Money?

Mint Money provide our customers with loans ranging from $100 to $5000. All you need to do is stop worrying. You can fill out our online application form and wait for your personal loans to be directly transferred to your bank account. It really is as simple as that and the entire process does not require any document whatsoever. Moreover, as many of our customers are in a hurry we designed the procedure to be as fast as possible.

Mint Money make your application available to our associates so that we could get you the cheapest loan possible. As a result you can quickly get a cheap personal loans without leaving your comfortable armchair. There are, nevertheless, some criteria that must be fulfilled by our customers: you need to be over eighteen, have a fixed income and a banks account of any type.

As a result once you have applied for the loan and your loan is approval, it takes only a few hours to send you the money. Consequently, the longest you might have to wait for the loan is up to the next business day.

How to get an Personal Loans at Mint Money?

If you’re interested in getting a loan with Mint Money, our online process to be as easy as possible. Fortunately, with some types of loans, you can get the loan instantly online. Say you want an installment loan, payday loan or personal loan for example. You’ll just need to do the following:

  • Fill Out the Loan Application Form - We have a simple online loan application. Fill out the form to start the process.
  • Get Approved - Once lenders in our network review your application, the lender will either deny or approve it. Some lenders will approve your loan instantly online.
  • Get Your Money - Once approved, they’ll give you the money in the amount of the loan you requested.
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Easy steps to take a personal loans online

Mint Money is one of the top services in the industry that provides quick and easy cash. Since our applications and the entire process is readily available and done online 24/7, you can apply with us at any time. You can do this by filling up our application, where you have to state the purpose of taking the desired loan and provide the necessary documents.

  • Fill out the loan application form – Whether you apply online or in person, you’ll need to fill out an application with each lender. Make sure to have important personal information handy, including your banking info.

  • Receive and compare offers – Whenever you’re applying for a financial product, you should always compare different offers in order to make sure you’re getting the best deal possible. Try to choose a lender with the lowest rates and fees.

  • Sign the agreement – Once you decide on a lender, you’ll have to sign the agreement before you can access the cash.

  • Finalize the application and send it. Look through the application file to see whether you’ve filled in everything you need. Before submitting, review the requirements from the lender, especially the ones that involve additional fees and penalties.

  • Wait for approval. Usually, you’ll get a response the same day and receive the funds within 24 hours. This allows borrowers to quickly resolve their monetary issues.

Mint Money Loans

All Credit Scores Welcome

Pros and Cons of Getting a Personal Loans Online

Now that you know the basics of these loans and how you might use yours, you’re probably wondering how to get a personal loans. The good news? You can skip a lot of hassle and get a personal loans online in some cases. Is this the right path for you? Let’s look at the pros and cons.

    Pros
  • Higher Rates Than Some Loans - For the increased speed and convenience of getting a loan online, you might need to pay slightly more. It’s important to compare the interest rates of online loans against traditional ones. Do the math and decide if the extra amount you’ll pay is worth it to you because of the added convenience.
  • Prepayment Penalties - Some loans come with penalties if you pay them off sooner than the agreed-upon term. If you think you might pay your loan off early, avoid lending solutions that come with a prepayment penalty.
  • Threat of Scams - If you’re going to apply for a loan online, it’s critical that you thoroughly vet your potential lender and double-check that their website is secure. Read reviews of the company and make sure you see an “https://” (not “http://”) in the URL, denoting that the website is able to properly safeguard any personal information you give them.
    Cons
  • Convenience - Obviously, getting a personal loan online is more convenient than having to visit a financial institution and apply in person. When you’re at home filling out the information you need, it’s easy to get up and grab the right documentation to ensure your loan application is accurate, too.
  • Easier Access - When you apply for a loan online, you can see your options and track your process digitally. A quick Google search can pull up a variety of lenders so you can easily see what they offer and review the details of their lending solutions.
  • Time Savings - Skip the hassle of visiting an office to apply for a personal loan. On top of those time savings, many online loans approve your application more quickly than traditional lenders.
Is Mint Money Legit?

Mint Money is a loan referral service that connects consumers with prospective lenders participating in our network. Mint Money is not a lender and does not make loans or credit decisions. We are not guarantee that any lender partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions.

Is Mint Money a scam?

Mint Money has no interest in scamming you and will only share the contact information you provide with the lender you end up choosing to work with. It’s worth noting that, once you do find a lender, they will need to contact you to verify information in order for you to receive any funds. If you don’t end up with a lender, your data doesn’t go anywhere.

Is Mint Money service free?

Mint Money is a free to use lending site for borrowers to search for potential lenders. They don’t charge you a fee, however, the lender you work with might have fees as a part of their payment terms—be sure to check!

Is it possible to get a Personal Loans without a Job?

We understand that not everyone who applies for a loan is someone that is currently employed. If you do not have a place of work, you will be assessed based on your affordability, as lenders would need to determine if you are able to pay back the applied borrowed money. You will need to provide some proof of income, such as self-employed income, government assistance, retirement funds, pensions, regular finances covered by a partner, etc. Payday lenders are all different, but if you frequently receive a source of income, you will still most likely get approved.

Can I still get a loan even with bad credit?

Customers may worry about not passing the verification process to acquire financial assistance through payday loans as they have a low credit rating or have a dubious reputation. Others might not even have a credit history at all. Mint Money recognizes that individuals may be borrowing this money because of a difficult circumstance.

Therefore, there is no need to fret as part of our job is to negotiate with lenders to give everyone the opportunity to get the help that they need. The best part is since this is an unsecured loan, there is no need to prove you have any assets either just to get an approval.

In any case, a FICO credit score is not something that lenders generally check. It is possible, though, that if it is something a particular lender looks into, the loan amount may be reduced, or fees will perhaps be increased if there have been spots in your credit history.

Personal Loans with Bad Credit

Many of the types of personal loans we mentioned above will require a credit score of at least 630. That includes mortgages, auto loans, and installment loans. But you may be able to get other types of loans even if you have bad credit.

What happens if I cannot pay on time or at all?

Check the terms and conditions on the loan agreement regarding any defaulted payments. We highly suggest that if you are facing an unstable to contact our experts as soon as possible for viable options on adjusting payments or to speak with your lender directly.

We are committed to helping our customers in sudden financial struggles and making them satisfied. Our goal is to extend a helping hand in all kinds of life situations when you need money quickly. Even if you have bad credit, our services will be the right fit.

We take care of your needs with cash loans

Mint Money is a free loan matching service that consumers and small business owners use to help them get a great loan result, for all purposes and credit situations. We make it easy - apply online for up to $5,000 today! Our lenders are open for business 24 hours a day, 7 days a week.

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