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What is a pre-approval and why do you need it?

By | Published: Oct 14, 2009 | 125 Comments

When shopping for a home, you're going to be asked at some point whether you've been "pre-approved" or whether you have mortgage "pre-approval." You're going to want to answer "yes" to these questions -- buyers who can are in a much better position to purchase a home. Why? Read on to find out.

  1. What is pre-approval?

    In real estate lingo, to say you have been "pre-approved" or that you have mortgage "pre-approval" means you have a commitment in writing from a lender to lend you a specific amount to buy a home under certain conditions (e.g., length of the loan and interest rate). A pre-approval holds more weight than a loan pre-qualification, which is an estimate of how much you may be able to borrow.

  2. Why is it important?

    It's important to have pre-approval for several reasons: It will let you know how much you can spend on a home and the size of mortgage you'll be able to obtain, it will give you an advantage when it comes time to bid on a property, and it will speed up the process when you find a home you want to buy.

    When you have a pre-approval letter for a loan, you'll know exactly how much you can borrow, and possibly the length of the loan (15 years, 30 years, etc.) and your interest rate. This will give you an idea of how much you can spend on a home and what your monthly payments will be like should you purchase the property.

    Buyers prefer sellers who have their financing in place. They don't want to choose a buyer who seems to be a qualified buyer, but can't come up with the funds to buy the house.

    If you are pre-approved with a reputable lender, you may be able to win a bid over another buyer should multiple buyers be interested in a particular home -- even if the offers from the other buyers are higher.

    When it comes time to place an offer on a home, having a pre-approval letter will speed up the process. That's because you won't have to wait to hear from a lender as to whether or not you've been approved.

  3. How do you get it?

    You'll want to talk to a few lenders to search out loans that will best suit you and your financial situation. The lenders will require certain information, including: your income, your employment situation, how long you've been employed, and any debts you may have -- e.g., student loans, car loans and credit card debt -- and the source of your down payment.

    You may be asked to show your tax returns, bank statements and W2 forms. The lender will use this information to determine the maximum loan you can qualify for and your monthly mortgage payment.

    The lenders will also check your credit report and whether you have funds for a down payment and closing costs.

    But, even when you do get pre-approved, remember that there are some caveats: Pre-approval letters can be time-sensitive and are subject to an appraisal on the home you're purchasing, so while a pre-approval gives you a firm idea of how much you may be able to borrow, it's still not a concrete guarantee that you'll get the loan.

Comments

By Cindy,  Thu Oct 29 2009, 23:29
well if you go to several lenders won't that lower your credit score?
By Carl Ashton,  Sat Dec 19 2009, 10:55
Please do not run and shop for a loan each pull on your credit report cost you one point, I can assist you in getting these removed if you already have but this process takes valuable time, I would hate for you to come to me and perfectly qualify and have a 619 credit score on 2 reports and have to wait 30 days for these to be removed so we could fund your loan.

Same thing with cars and credit cards get your scores from a credit source like myfico.com and then correct errors first, 620 plus will be ok for a car loan, the ask for the manufacturers financing if at all possible on report and if you can qualify the secondary lenders should accept the first report so you dont have to pull mutiples.

I just had a client that cannot buy because of this please dont let it happen to you.

We look for these Items

A 620 + Beacon Score
2 Years Verifiable employment
29% Income ratio
41% Debt Ratio
2 Years tax returns that correspond to the income
Sales Contract.
This loan I can close most buyers with 100% USDA or FHA 3.5% Financing in Suburban and rural areas in 5-7 days.

Seller consessions and Gifts take a little longer.

Other types of credit and loans we have to work on and work with the situation we can assist you in getting to a 620 score sometimes in as little as two days, verifying income through other sources such as small business owners option is a CPA's review of financial statements and Co signers for those that cant make the debt ratio's.

25 months out of Bankruptcy and letters of explanation and alot of me begging my Executives you can buy a home with a 620+ Beacon.

How much you put down is really not viable anymore except to lower the debt and income ratios to get a loan.
By David Nuss,  Sat Dec 26 2009, 05:25
Preapproval is very important in today's market.

While we hear this is a buyer's market. Sellers are going to what to know they are working with a legitimate buyer. If you have a preapproval letter in your hand and with your offer, the Seller knows you are prepared to move forward with your purchase.

This also applies to the purchase of the many bank owned properties that are very good buys. The bank may even want you to be preapproved by their loan officers, even if you don't intend to use that bank to make the purchase.

Dave Nuss, Oregon Licensed Real Estate Broker/Realtor
http://www.Homes-SalemOR.com
By Loretta,  Tue Jan 5 2010, 16:17
I'm changing jobs early this year, but otherwise have a high credit score, solid (20%) down payment, and very low debt. I've been in my previous position 8 years and am going to a stable job as well. Will changing jobs hurt my ability to obtain a mortgage this year?
By Tawanna,  Sun Jan 10 2010, 19:03
This information was of great help to me, as I am looking forward to being a first-time homebuyer but trying to determine my first steps. A few questions...should I find a mortgage broker to shop around and determine the best lender for me or just go to myfico.com for my score and then look up lenders on the web? I don't have friends with recent loans, so I can't go on referrals. Also, may the home-buyer's credit be used as the down payment? Thank you in advance for your responses!
By Menchari,  Sun Jan 31 2010, 12:00
With so many homes being sold short plus the foreclosure homes what about pre-approval when you are able to pay cash in full? No mortgage needed.
By Bantan,  Thu Feb 18 2010, 13:47
Can I still get a loan with a low credit score?
By Steve Kappre,  Mon Feb 22 2010, 07:45
Bantan - You can get a home with a low(er) credit score, but it depends on the lender/loan officer you are working with. If you are in NJ or PA I can help, if not you may be able to find a good lender by looking on Trulia. If not, let me know what state you are in and maybe I can help you get set up with one of my peers. Check out my blog here too and A http://www.njmortgageblog.com. I write on these topics often.
By Steve Kappre,  Mon Feb 22 2010, 07:58
After reading some other comments here, know that there may be some loans available, especially for first time home buyers, that allow credit scores below 620. I close them all the time (Last one was 580's). These programs are harder to find and not every location has such options, but in NJ we close them often.

Also you have a window when getting your credit checked. A handful of credit checks by several mortgage lenders within a period of time (45 days last time I researched it) ALL COUNT AS ONE CREDIT PULL. Feel free to shop mortgages, rates, and lenders. Once you know your credit score, or have a credit report (pulled by a lender) in hand, you can use that data to shop rates (generally speaking). For the initial credit check, you may be hit for a few points or double-digit points, depending on the buyer's specific credit profile. Check out more about credit here ... http://njmortgageblog.com/channels/consumer_mortgage_finance/topics/credit_scoring
By Jason Gonzalez,  Mon May 3 2010, 04:38
A pre-approval letter is of utmost importance when you are in the market to buy a home. Check out this mortgage process breakdown, it may be of some help...http://www.lendingfl.com/MortgageLoanProcess.php

Also, you don't need to "shop" for a pre-approval. Find a professional you trust that knows what they are doing and allow them to do their job. As long as the professional you choose has ethics, you will get a good deal. When you shop around you place more stress on yourself during an already stressful transaction. Enjoy the home buying process!
By Katie Esparza,  Thu Jun 10 2010, 20:47
My husband and I are looking for a home to buy but dont have the greatest credit report how can we qualify for loan or do we need to clear up debt first???
By Sergio Hernandez,  Fri Aug 6 2010, 09:43
A pre-approval is an indicator that based on certain conditions, a buyer will qualify to borrow a certain amount of money. It is good to have a pre-approval to present with an offer, to demonstrate your buying power.
By Patricia R,  Wed Aug 18 2010, 21:19
If you are thinking about buying a home.... always get pre-approved first. You know exactly what your price range is, how much it will cost, and what you need to be able to close on the purchase.

If you have bad credit, your lender should be able to give you some pointers on what you need to do to be able to buy in the future. Typically, most lenders have overlays that don't allow financing with less than 620 fico score. There may still be some lenders willing to do it, but don't be surprised if the rates and fees are high.
By Fran Rokicki,  Thu Sep 9 2010, 17:18
When you have a pre-approval in hand while house shopping, you are a stronger candidate for a purchase and sale contract. The seller is confident in your purchasing abilities once he sees a copy of the pre-approval. If you are in a multi-offer situation, this could be a very strong point for you! I always recommend that my clients have a pre-approval in place prior to home shopping.
By Vms68,  Fri Sep 24 2010, 09:13
Our buyers had a pre-approval and then told us that they were denied a mortgage two days before closing. They then demanded a large discount on the house in order to move forward with the purchase. Is this a scam?
By William Chu,  Thu Sep 30 2010, 18:21
Vms68, a preapproval from a Broker/Lender will lead to a loan commitment. The loan commitment must have documented Prior To Closing (PTC) conditions to be satisfied for closing and funding your purchase. Did your Buyers not meet or satisfy the PTC conditions?
By Kylene Bross,  Sun Oct 3 2010, 00:30
It's my first time buying a home with my husband. We both don't have good credit. He's been at his job for five yrs. I have been at my job well it's mess up. Was a temp last year off and on. Started back this last Jan. Hired in now. We want to put both our names on a house. Will that lower our down payment on a house that's under $100,000? And will it give us a better chance on being approved?
By William Chu,  Wed Oct 6 2010, 13:20
Kylene, it seems your chances are improved however it does depend on looking at your entire financial picture (credit, income, expenses and how much loan). For this reason, you should and will benefit from spending time and committing to the Right Mortgage Lender to help you!

Feel free to contact me directly when you are ready to go forward!
By Bobbybroomall,  Tue Oct 26 2010, 09:09
Free pre-approval from local lender in Broomall, PA 610-505-1554 Bob
By Irisa Jackson Stallworth,  Wed Nov 3 2010, 15:51
Me and my husband want to purchase a home in riverdale il and our credit scores are in the mid 500 is it possible because the houses out here that we've looked at range from 18000-40000 can anyone give advice because im tired of giving rent money to waste.
By Sha,  Sat Nov 6 2010, 13:58
Do lenders charge a fee for the pre-approval letter?
By Timothy Garrity,  Mon Nov 15 2010, 06:58
Excellent post. As a former Loan Officer and Production Manager in the mortgage industry, I can say with confidence that having a pre-approval in today's lending world will do a buyer far more justice than just having a pre-qualification.

Thanks for taking the time to write this.

TG
By Elliott R. Oliva,  Mon Dec 13 2010, 09:46
Good information on here. Here is straight forward explanation on why a Pre-Approval is better than just a Pre-Qualification.
http://www.elliottoliva.com/preapprovedvsprequalified

Also, you are not penalized a point per credit inquiry. Please refer to this article for more details about how credit works as well as inquiries.
http://www.elliottoliva.com/youandyourcredit
By Sean Farley,  Wed Dec 22 2010, 06:17
I have even seen it practiced in this market that Seller's and/or their agents want buyers with Pre-Approvals to consider a buyer. While the pre-qual is the jumping off point for home purchase, many variables can impact the success of getting Loan Commitment from a lender and some of these items do not get discovered until Pre-Approval.
To answer Loretta's post....Loretta, changing jobs can most certainly impact your pre-approval and ability to get Loan Commitment. Employers in this market want to see long-term provable income. When switching jobs they want to see that the new position is stable. Two things that might swing lenders to approve a loan for you sooner after job switch are low debt to balance and debt to income ratios, and your liquid capital. Perhaps you have already made the switch and have several months of provable income and this no longer matters.
By Angelita,  Sun Dec 26 2010, 11:22
How can I determine my debt to income ratio?
By Rob Jones,  Mon Jan 3 2011, 15:18
I was told that having your credit pulled by different lenders while shopping around would not lower your credit score. A lender gave me this info. He said the only people that are going to tell you that are lenders who don't want you shopping around. He said only way credit is lowered like this is by having it pulled for a bunch of different reasons. Cars, credit cards, loans, etc. You will not be penalized for making a wise decision to shop around for the best deal.
By Natashia Kennedy,  Tue Feb 8 2011, 16:03
Im looking for a broker in the Elkton, Md area. I am interested in possibly buying a house in the area. Lots of questions.
By David Gifford,  Tue Feb 22 2011, 19:54
A car dealer told me that the credit bureaus don't lower the scores if it looks like all the pulls were done in a month and all for the same reason ...ie to buy a car or house??? Can anyone verify???
By DAVID SHEIR,  Thu Jun 30 2011, 18:16
Great article stressing the important differences between pre-qualified and pre-approval.
By Mcw1161,  Fri Jul 1 2011, 04:45
I'm looking to buy a FL condo in a 55+ development. I'll be paying cash, but I'm wondering if the approval of the condo board necessites good credit as well. I have a fairly good retirement income but bad credit.

All answers appreciated.
By Jennifer Ratcliff,  Wed Aug 3 2011, 08:06
Excellent article. I will be forwarding this to all my buyers. It still amazes me how difficult it is to get people to be prepared to purchase a home. Pre-approval is a must!
By Joel Rivera,  Wed Oct 5 2011, 16:39
This is a Great Guide. Pre-Approvals are vital!
By Sharla5372,  Mon Oct 10 2011, 09:04
I had a lender run my credit report and they ran it 3 times under each bureaus. Then another ran it twice. How can i dispute that?
By Shawn Ryan Rosa,  Tue Dec 13 2011, 10:59
pre-approval and pre-qual are very different. pre-quals are worthless.
By Vincent Paige, P.A.,  Fri Feb 24 2012, 20:01
Please get a pre-approval before you start shopping!!


Highest and best regards,

Vincent Paige
REALTOR® | Century 21 Elite Home Finders
Certified BPO Specialist
5401 S. Kirkman Rd., Ste 725 | Orlando, FL
Direct: 407.256.8190 | Fax: 407.264.8073

Visit http://www.ThePremiumProperties.com and find your dream home today!
By Adrian Provost,  Mon Feb 27 2012, 16:44
You should be pre-approved before you begin the home search process*
By Ernie Lester,  Fri Apr 13 2012, 08:43
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By joNtank2004,  Wed May 2 2012, 14:58
looking to buy a home in rome, ga. we have bad credit and filled bankrupt chp 7 about 4 years ago. However, we have recieved a very large settelment and are will to put 35,000 to -40,000 down on a house that asking price is 89,000. will this help us? what do we need to do next?
By Daniel,  Thu Jun 7 2012, 12:26
check with your local bank or credit union, generally you will need to wait 7 years, however, a bank or credit union may help if you have a very large down payment
By Hopefulhomebuyer,  Wed Jun 13 2012, 14:44
found a house I can afford. Credit is good. Debt is paid off but income is fixed on Social Security could I still qualify? I can supplement income if I have a home of my own.
By Matie,  Thu Jun 14 2012, 01:47
Home of your dream? Find it with us. http://www.indexpost.com/
By Valen Smith,  Sun Jul 22 2012, 03:02
Pre-approval is the next big step. This process is much more involved, but will provide you with a specific dollar amount that you can afford. Most real estate agents will tell you that getting pre-approved is key to getting the home you want. Lenders and sellers will know you are serious about buying when it's time to make an offer. And in hot real estate markets, a buyer may need to act fast; if the competing buyer has a pre-approval in hand and you don't, they win.
Valen from http://britainloans.co.uk/
By Homenyhay,  Thu Jul 26 2012, 20:48
my dad and I are trying to buy a house he scores between 700- 800. he has social
security as income that comes in at $2000.00 per month . I score about 630
and I had a Chapter 7 discharged 2 years ago .I make about $ 5000.00 per
month. We only have $10,000 to put down... can we get financed and how much could we qualify for or are we in dream-land.
By Qnzlatina37,  Thu Aug 9 2012, 04:53
I saw a house in Florida a short sell that I would like to purchase for 299, I'm a first time home buyer with a score of 687, I work for 9 yr at my job. Between my job and spouse support my income is in the 50,000. I need a pre-approval to be able to buy this home. Can you referral me some mortgage lender in queens ny thanks.
By Qnzlatina37,  Thu Aug 9 2012, 05:11
I saw a house in Florida a short sell that I would like to purchase for 299, I'm a first time home buyer with a score of 687, I work for 9 yr at my job. Between my job and spouse support my income is in the 50,000. I need a pre-approval to be able to buy this home. Can you referral me some mortgage lender in queens ny thanks.
By lacreek99,  Tue Aug 28 2012, 15:06
I want to buy a home in Roosevelt Utah and my credit score is a 609. I have been working hard to get it up to that. I was told that I would be able to get a home loan if I got my credit score above a 600, but now I am being told that I have to work to get it higher to get a loan. I have been at the same job for 5+ years and my debt is low except for my student loans which are just over half way paid off. I want to know if there is anyway I can get a home loan or if I will have to continue to rent fdor the next several years. I have been renting from the same lady for almost 3 years. Please help. I want to start building equity in a home of my own, but I'm currently not getting anywhere. Please respond anyone who can help.
By Carmen Brodeur, JD,  Tue Oct 16 2012, 10:26
In Arizona buyers must present a standard Pre-Qualification form filled out by their lender when submitting offers. This document is very important and actually incorporated into the Arizona purchase contract.
By masondag07,  Wed Jan 23 2013, 05:44
had extremely bad credit and I never knew I could get a home loan. I thought it would be many many years before I can even qualify. My wife Patty and I would like to than Mortgage Professional Gustan Cho of Florida. Gustan Cho is a mortgage broker who went beyond the call of duty and although we were small timers, treated us like royalty. Gustan Cho always returned our calls whenever we had any questions and even was available on weekends. Gustan Cho is a great advisor and an Angel and truely always sincere. Gustan Cho cares more about his clients than himself. Patty and I asked Gustan Cho what we can do to thank him and he told me all of his clients come back to him and the greatest compliment he gets from his clients is when they call him whenever they need mortgages or refinances and refer him to friends, neighbors and colleagues. I want everyone who needs a loan to know that Gustan Cho will get you a loan even though you have bad credit. Depending on how bad your credit is, it might take some time but Gustan Cho will repair your credit for free and get you qualified.
I was surfing credit repair websites and ran into this site with Gustan Cho's article. My realtor introduced me to Gustan Cho over a year ago. My realtor, Jim Davis, told me that if I had credit problems, Gustan Cho can get me approved for a home mortgage. I had prior judgments, foreclosures, collections, and charge offs. I did not file bankruptcy. I called Gustan Cho and told him my situation. Gustan Cho told me to be totally honest with him if he wants my help. I was. Gustan Cho told me to apply online on his website, http://www.gustancho.com and did what I was told. Gustan Cho then told me that he could get me a mortgage but I needed to do several things in regards of my credit. Long story shot, Gustan Cho helped me and my wife Patty get our home with a FHA loan in about a year. Gustan Cho helped erase and repair our bad credit. I never doubted Gustan Cho. I highly recommend Gustan Cho for not just for mortgages, but for credit repair too. Gustan Cho does not charge for credit repair.

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Tampa
By Danyel Mandeville,  Tue May 28 2013, 19:02
My husband and I are trying to buy our first home. Our credit scores are not very good. We are working on fixing them, but we have found a house we love that is very affordable. We both work full-time and my husband is a veteran. We have contacted several lenders and been denied by all of them. Are there any companies out there that will help someone in our situation? Are there any that treat people like people and not just numbers?
By Paul Mccormick,  Tue Aug 6 2013, 10:45
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By Josh Felzer,  Thu Aug 29 2013, 07:09
1 year out of BK, Short Sale or Foreclosure. Call me now to get preapproved. Large U.S Bank -- Josh Felzer 215-603-5383
By Stanley Main,  Sun Sep 8 2013, 12:02
I had a pre-approval on a a loan, after I made a bid on a house, the lender then tossed me around for a year and after submitting all of my information to the broker over and over and over to the broker, the broker then told me I needed to move to KY in order to secure the loan and close and made a promise that the loan would close in the email.
I quit my job of seven years and left the house I had been living in for almost 15 years, got another job in Paducah, drove to Paducah from Southern California and spent two weeks trying to get my commercial driving licenses converted from CA to KY. I then flew back to Southern California packed up all of my mobile stuff into a 1984 GMC pickup truck I got for "free" put a new transmission in it, exhaust, and on the way a complete set of new tires. Then drove back to KY at 50 to 55 mph. I made it to KY on a Sunday night, got to bed at 11Pm, and started work at my new job at 7 am on Monday. I ended up having to buy a laptop while living in a hotel for two months while still trying to get the loan to close while repeatedly sending the exact same information over and over again trying to close the loan. During this time my fiance got kicked out of the place where she was living and I had to put her and her kids in one of the worst hotels in Paducah for a month. Fortunately we found a house to rent almost by accident, and by this time the seller of the house told us they needed to put the house I was trying to buy back on the market.
My credit is wrecked, my job history is wrecked, I'm barely making enough now to survive, the bills are mounting, and I've had to switch to part time work, because I can't get over time working full time and now have to work two part time jobs in order just to make the bills.
My landlord has offered to sell us the house we are living in, on contract, the house is over priced for it's "worth" the interest is 4% over market, the trade off is ... I don't have to deal with a bank again, I don't have to jump through hoops of fire, I don't have to walk barefoot through piles of broken glass, I don't have to prove I'm not an alien from another planet.
I finally got my account with Cplant to a point where I can dump my bank and try to start over again.
BTW if you hear the bagpipes down town, it's probably me trying to make a couple of extra bucks after work. Drop by and say howdy.. LOL.

Paducah is NOT a bad place to be "stuck" I just don't like banks anymore.
By deepsydiver19,  Fri Nov 1 2013, 21:36
Currently live in NJ, would like to purchase house in Tenn or West Va. Where do I look for financing, NJ or other state? Does VA Loan matter?
By Albana Collaku,  Wed Dec 4 2013, 19:06
As long as the lender is lcensed to lend in the state you are purchasing, you are fine. Ask them and compare rates and fees too.The market here in DC metro is different and most are looking for the local lender with in house procesing and underwriting.
By Chris Neuswanger,  Fri Feb 7 2014, 10:54
Your offer will be taken far more seriously if you are pre-approved vs pre-qualified. This will entail submitting all your info to the lender, having him pull credit and run your application through Fannie Mae, Freddie Mac automated underwriting system. Then you have a very tight number on what you can buy. The lender should not charge you more than the cost of a credit report (usually under $30). With a pre-approval the lender should only require a good appraisal, title, approval of the HOA (if there is one) and no significant change to your income, employment, credit or assets between now and closing. This is alot more concrete (and takes more effort on both parties) than a "pre-qualification". Also, credit inquiries for a mortgage loan within a 14 day window only count as one inquiry hit on your score (that is straight from Fair Isaac Co, who puts out and owns the FICO scoring system). If you need a mortgage loan in CO please visit my web site at http://www.mtnmortgageguy.com to learn more. It's not your typical mortgage website, there is a ton of helpful information.
By carinebullock,  Sun Feb 9 2014, 13:57
How do VA Loans work?
By Tanya Aldridge,  Thu Mar 27 2014, 16:04
Today pre-approvals are required by any of the realtors that I do business with as well as FSBO, before an offer is even considered on the home you want to purchase. This also solidifies for you and the seller, that you can afford and have the qualifications to purchase the home. It also makes sure that no one wastes time on showing homes to buyers who actually cannot afford them.

Tanya Aldridge
Licensed Loan Originator
NMLS 881332
Paramount Residential Mortgage
By Steve Avrus,  Tue Jan 6 2015, 09:37
Having a pre approval is one way a buyer shows the seller that he is a serious client for his home and not just a "looker." It also gives you and your realtor a firm price range of the home you can afford. Saves time and disappointment when looking at homes. A strong pre qualfication letter should only come after you have given your broker not only your information on financials, employment, and income but also he/she should require documents to confirm that information. This assures you, the broker, and the seller that there will be no surprises down the road. #avrus 561 741-4004 http://www.avrusmortgage.com
By ME,  Wed Jan 28 2015, 10:54
What if buyer bids on a house higher than comps appraisa comes in lower, is there a formula that the bank uses where they will still write the loan bug perhaps buyer would have to put more down in cash?? How does that work?
By Mark Saunders,  Tue Feb 3 2015, 10:42
Sandpit61 either the buyer has to put more money down or the seller can lower sale cost or find the middle ground for both sides
By Mike Parker,  Thu Feb 26 2015, 07:20
Pre-approval is a must!! When you meet with buyers educate them on this!! Great article!
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Thanks
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By Maleek Johnson,  Fri May 22 2015, 22:44
Attention!!!

Do you have a bad credit?
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Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

I am Mr. Maleek Johnson, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of 1,000.00 to 10,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : maleekfinancials@yahoo.com

We offer the following loans below,
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In acknowledgment to this mail, we can start with the processing of your loan. There is more to gain by getting a loan from this company.

Regards,
Maleek.
By verizonheightltd,  Sun May 31 2015, 04:51
Good News,

We offer private, commercial and personal Business finance with very minimal annual interest rates as low as 2.5% (percent)
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Our Credits are well insured for maximum security is our priority, contact Aaverizon Heights now, specialists who help stop Bad Credit History, to discover a win solution.

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Interested parties may get in touch:
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lender: verizonheightltd@ gmail. com

Best regards,
Joan Hubbell.
By Pfavour745,  Thu Aug 6 2015, 07:40
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By Alexbrookloancompany,  Mon Aug 24 2015, 14:12
Loan offer;

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warm regard C.E.O sir Alex brook

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By Blesseddivinefastloans,  Wed Sep 16 2015, 04:54
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Regards
By Marryperyloanhome,  Mon Oct 5 2015, 01:34
I am Mr Harrison Jay by name, i am a citizen of Texas USA, i have been looking forward for a genuine loan company for the past 3 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $3000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 48 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact Mrs Mary {marryperyloanhome@gmail.com} and be free from scams on the internet. they will never disappoint you
By Irreraconcetta83,  Tue Oct 6 2015, 01:06
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This process takes more than 72 hours to do it all
If you have questions, we are here to meet
Thanks for understanding and responding quickly to us

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By Austinekingsloanfirm,  Thu Oct 8 2015, 12:53
Do you need a loan to pay off your bill or in need of financial help with a loan you can contact us now for a loan if you are serious in getting it surely we will help you out okay @austinekingsloanfirm@gmail.com
By Maleekloan1,  Sun Oct 11 2015, 16:14
I am a private lender, I offer loan at 3% this is a legitimate company with honor and difference and we are ready to help you out in any financial problem that you are into. We offer all type of loan so if you are interested in this loan offer kindly contact us on our email: naleekfinancials1@outlook.com
By Rb2192733,  Mon Oct 19 2015, 01:41
Hello,

My name is Gloria Harper currently living in California USA Am writing this message because am really grateful for what John did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2.1%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to John the Managing director of John Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below johnsmithloanhome@live.com

Good Luck
By Dominionloanfirm.ltd,  Tue Oct 27 2015, 05:18
Do you need a loan for working capital, refurbishment, property development, new machinery or equipment. it worth talking to us now. If you are looking for a larger loan, like business loan. DOMINION FINANCIAL SERVICES LIMITED is the right company for you to contact. We are government approved/registered financial company. We offer the right solution to your financial needs. We stay with you until you get the results you want.In general, we offer home loans,car loans,hotel loans, commercial loans,business loans,e.t.c, at a lower interest rate of 3% and any duration of your choice. If you are interested, Contact us today via email: dominionloanfirm.ltd@outlook.com
By Dominionloanfirm.ltd,  Tue Oct 27 2015, 05:52
This is for those in need of financing for any purpose, we are a licensed company here in the states and a private financial firm and can lend nationwide and internationally with unbeatable interest rate and free services for those with bad credit score. for more info, simply email: dominionloanfirm.ltd@outlook.com
By Cashflowloanlenders11,  Wed Oct 28 2015, 06:46
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By Sydneyjefferson120,  Fri Nov 6 2015, 15:27
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By Kathy Lewis,  Tue Nov 10 2015, 12:44
Most sellers will want to see their buyer is pre approved. Wouldn't you? This is more important in some markets as others.

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By Kendrafaith161,  Fri Nov 13 2015, 21:29
I will like to share the goodness of God in my life after so many months of trying to get a loan on the internet and was been scammed so i became restless and desperate in getting a loan from a legit lender online. But as God would have it, i saw a comment from a friend called William Ken and he talked about this legit loan company where he got his loan fast and easy without any stress so he introduced me to a man called Mr BARRY MORE who controls a firm called BARRY MORE Loan Company, So i applied for a loan sum of ($200,000.00USD) with low interest rate of 3%, so the loan was approved and deposited into my bank account in less than 48hrs, that was how i was able to get back on my feet to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan without collateral, no credit check, no co signer with just 3% interest rate and better repayment plans/ schedule, to please contact Mr Barry More. You can contact him through his email: barrymoreloans12@hotmail.com
By Joycemyersloancompany,  Thu Nov 19 2015, 22:33
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By Sydneyjefferson120,  Sat Nov 21 2015, 07:26
I have just taken out my first personal loan and i must say i am extremely impressed as to how straightforward the services is. All i had to do was applied and filled out the application form and submit it! I was then told in about 10 minutes that i was accepted and that the funds has been approved and on the way to my bank after submitting the required information's and i received a loan of $35,000 USD! Extremely impressive. Now i have my own car and also have my own business thanks to RAMON FINANCIAL SERVICES LIMITED. Apply for your loan today without any stress with RAMON FINANCIAL SERVICES LIMITED email them now on (ramonfinancialservices@gmail.com). Thanks.
By Clmentfranklooancompany,  Wed Dec 2 2015, 06:10
Good everyone.
My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

Thanks and Good Luck.
By Bettysloverfunding,  Thu Dec 3 2015, 19:10
I am a licensed financial loan lender giving out xmas loan,seeking to refer a commercial

client looking for Funding. If you are interested to receive a low

interest loan at the rate of 2% for commercial businesses such as

Start-Ups, Expansion, Buy-Out, Real

Estate, Renewable Energy, IT, Entertainment, General Aviation

Equipment, Army Defense Equipment's & Weapons, Financial

Banks,Industry, City and Traffic Security Management Systems, Water

Waste Systems, Electric, Biomass Energy, Agriculture Projects,

Ethanol, Oil Power Plants and Thermal Power Plants Construction, etc;

Please, let me know your proposal via email Bettysloverfunding@gmail.com

Regards,

MRS BETTY SLOVER.
By Marianlawson4,  Fri Dec 4 2015, 21:41
HOW I GOT A LEGIT LOAN @ 2% INTEREST RATE

Do you need a loan to pay debt, Pay bills, buy a new home and refinance your business? if yes, contact VICTORIA LAWSON LOAN FIRM VIA email: marianlawson@outlook.com for easy and fast loan amount transfer. When i could not face my debt and i need a hug money for hospital bills, to get a home improvement and to refinance i came on line to search for lender and i met how VICTORIA LAWSON had help several person. i immediately contact her company with my details and my loan amount was approve within 48hours and i receive the credit in my bank. contact VICTORIA LAWSON LOAN FIRM with (marianlawson@outlook.com) For fast approved loan.
By Morgansteev,  Sat Dec 5 2015, 22:44
Are You Desperately in need of a loan? Have you be denied of a loan from your bank or any Financial Firm? Do you need financial assistance? Do you need a loan to pay off your bills or buy a home, or Consolidate your debt and be debt free? Do you want to have a Business of your own and you need Financial Loan Help? Contact us today for your desired loan.email us via: ( Ceinloanfinance@yahoo.com) Tel: +13168545818
By Jorgedan50,  Mon Dec 7 2015, 06:17
My names are Jorge Dan. When i was seeking for a loan i was scam several time before i meet a friend who directed me to Rosa Mario Loan Frim. initially i was afraid to go into the operation but my friend advise me to apply that he also obtain a loan from the company when he needed an urgent loan for business and clearing of debts. Then i took the challenge which actually lend me a loan of $30,000) after paying the fees they asked for. Since then i have decided to publish them all over for those who need a loan, i have been scammed till i meet this company who save me out of debt my story has changed, you can contact them via (rosamarioloanfirm@gmail.com)
By Elizabethfor19,  Mon Dec 7 2015, 18:17
Hello, Good day to everybody reading this,

My name is Elizabeth Forbes from United States. I want to thank Mr John Michaels who helped me to get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone tried to dupe me of my money until I finally met Mr John. He was able to give me a loan of $10,000 USD. He can also help you. He has also helped some other colleagues of mine. If you need any financial help, kindly contact his company through email: aceloanservices@hotmail.com I believe he can help you. Contact him to get help just as he helped me. below are his words of encouragement to those seeking for a legit and honest private loan lender.


"Do you need a loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for other various purpose? email: aceloanservices@hotmail.com"

Thank you for reading and good luck.
By Clmentfranklooancompany,  Mon Dec 7 2015, 23:41
Good everyone.
My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

Thanks and Good Luck.
By Drakugbepellhom1,  Wed Dec 9 2015, 00:52
Here is easy way to get Affordable XMAS loan that will change your life for ever,I am morgan smith a certified loan lender,I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%.Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients,especially in the area of Loan syndication and capital provision for individuals and companies.We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i morgan smith is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages,home loans business loans and bad credit loans commercial loans,start-up- working capital loans,construction loans car loans,hotel loans,and student loans,personal loans,Debts Consolidation Loans,what are you waiting for asap why don’t you try morgan smith Loan home and be free from debts any interested client should contact me asap (smithmorgan306@gmail.com)
By Peterjacksonloan,  Wed Dec 9 2015, 17:03
Do you need an Investment Loan, Personal Loan Or Company Loan ?If yes,reply us with, Loan Amount: Loan Duration: Country: Mobile No: for more Details. All Your Response Email Only: peterjacksonloan@gmail.com
By Kendrafaith161,  Thu Dec 10 2015, 00:03
I am writing this Testimony because am really grateful for what BARRY MORE did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 3%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email Mr Barry via: { barrymoreloans12@hotmail.com } or call (234)8136234670 and be free of internet scams. thanks... Kathie Roper from California, USA.
By Insurancecredictloancompany,  Sat Dec 12 2015, 11:45
TESTIMONY ON HOW I GOT MY LOAN TO PAY MY BILLS

My name is Elsa Holloway. I live in USA California and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave happiness and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 2 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, A reputable loan company.

I am very happy i got loan from Spain today.
If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Elsa Holloway you to them.
By Insurancecredictloancompany,  Sat Dec 12 2015, 11:46
TESTIMONY ON HOW I GOT MY LOAN TO PAY MY BILLS

My name is Elsa Holloway. I live in USA California and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave happiness and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 2 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, A reputable loan company.

I am very happy i got loan from Spain today.
If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Elsa Holloway you to them.
contact via E_mail: insurancecredictloancompany@gmail.com
By Insurancecredictloancompany,  Sat Dec 12 2015, 11:46
TESTIMONY ON HOW I GOT MY LOAN TO PAY MY BILLS

My name is Elsa Holloway. I live in USA California and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave happiness and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 2 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, A reputable loan company.

I am very happy i got loan from Spain today.
If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Elsa Holloway you to them.
contact via E_mail: insurancecredictloancompany@gmail.com
By Deangelomutini876,  Sun Dec 13 2015, 14:20
Hello Loan Seekers,

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Thank You,
Deangelo,
By Ecofinancefiableplus,  Tue Dec 15 2015, 01:36
Hello
I decided to make loans with relatively low interest rates compared to banks .more an interview with one of my financial advisers, we decided to provide loans to help individuals who have unfortunately access to banks with their requirements difficult to meet. you have to repay loans, in which case you can take a loan that will quickly solve your problems either with your bank or also with sociétés.Pour more information do not hesitate to contact me. ecofinancefiableplus@gmail.com
waiting to read you
By Onlineloanlenderz,  Wed Dec 23 2015, 07:23
Hello
Have you been in search for an online loan and don’t know how to go about it? Save yourself the stress and contact Mr John Carter, a certified online lender that disburse out loans to applicants who are eligible, no much paper work, even with your bad credit you can still get the amount of loan you want, He grants business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc. Or Were you refused a loan by a bank or any financial institution for one or more reasons I just said save yourself the stress! Contact via email onlineloanlenderz@gmail.com
The interest rate is very affordable and negotiable too depending on the amount of loan needed.
LOAN APPLICATION FORM.

Your Full Name:
Address:
Country:
State:
Loan Amount:
Sex:
Loan Duration:
Phone Number:
Fax:
Monthly Income:
Specific date you need the loan :

NOTE: These are needed before we can proceed with
the transaction of the loan okay.

Regards
By Bob,  Tue Jan 5 2016, 07:46
My husband and I have tossed around the idea of purchasing a home. We had no idea on how to go about the process. Thank you for the post, we will start talking to some lenders to see how much money we can be pre-approved on before we start looking at home.

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By Legalloans2011,  Fri Jan 8 2016, 12:33
there is a fast leading loan network that most people are not yet aware of. its no news that most people do not get approved when looking for a loan, but its now easy with LEGAL LOANS.
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By Cindyf232,  Tue Feb 2 2016, 03:52
God bless everyone that cares to listen and take the right part in getting his or her loan and not fall victim. why am i saying this, i am saying all this because there are many testimonies on the internet which are either true or false but i tell you today, after all i have passed through in the hands of scams i will not fail to announce this God fearing lender who helped me out of my diverstating condition when i lost my Job and couldn't pay my children's fees, after been denied loan due to bad credit by loan sharks and other credit unions i visited, my bills where behind and we were about to be throne out of our house but as God will have it i logged on my Facebook to seek for help from friends and family members all to none avail. while still on Facebook i saw a testimony by one Celina wheels who once had similar problems and got her life transformed by this same lender. Immediately email them at: hm32501@gmail.com and behold i received my long desired loan within 48hrs of processing and i am grateful to God almighty for bringing such a lender across my way. TEL:(+1)904-513-0194
By Londonloansandlendingcompany,  Fri Feb 12 2016, 13:58
Ever heard of the popular London Loans and Lending company? This is a loan company that works on an amazing 2.5% interest rates on loans. We give out loans from 10,000 to 300000000. We have a comfortable maximum loan period of 50 years and we operate an open plan calculating on loans. We provide private loans, mortgage loans, car loans, etc.
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By Londonloansandlendingcompany,  Fri Feb 12 2016, 13:58
Ever heard of the popular London Loans and Lending company? This is a loan company that works on an amazing 2.5% interest rates on loans. We give out loans from 10,000 to 300000000. We have a comfortable maximum loan period of 50 years and we operate an open plan calculating on loans. We provide private loans, mortgage loans, car loans, etc.
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By Londonloansandlendingcompany,  Fri Feb 12 2016, 13:59
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By Theameirmillerloanorganisation,  Wed Feb 17 2016, 05:42
Its really a great thing and a great privileged on my part that i am now the person saying all this about a loan agency , despite all my old believes that there are no real and legit loan agencies .. since i got scammed too many times and due to this , i now know that , its not good to judge a book by its cover, I am Amanda Brandon I have tried and tried every bank in my country , loan sharks and countless numbers of online lenders! several online loan cash companies scammed me of about $6k they stole they stole $6,000 from me all in the name of fees and fake promises of giving me a loan and finally gave me NOTHING!fine, the banks in my country maintained that i was having bad credit while other loan sharks maintained a very high interest rate which i could never pay off even 1o years after i die and due to all this reasons i decided to relax and to accept my faith but on my search for an accredited loan agency that offers loans online on Google i came across this loan agency by name AMIER MILLER CLASSIC LOAN ?INSTITUTE which offers loan at a cheap rate 2.5% as there terms and conditions was well spelt alongside other interesting testimonies i read about them, online , i was very impressed and convinced but still i was scared because legitimate loan agencies does not offer loans as low as 2.5% so i was very careful but after asking around about this loan agency from friends and advanced personalities i was meant to understand that they are a legit loan agency and due to this revelation about them i had to choice other than to apply for a loan with them since i was not having any other choice and this was done via the email address that was listed on there : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com i am thankful and grateful to
this loan agency .. Go get your today and be free too, have them contacted if you need a loan too .
By Theameirmillerloanorganisation,  Wed Feb 17 2016, 05:43
Its really a great thing and a great privileged on my part that i am now the person saying all this about a loan agency , despite all my old believes that there are no real and legit loan agencies .. since i got scammed too many times and due to this , i now know that , its not good to judge a book by its cover, I am Amanda Brandon I have tried and tried every bank in my country , loan sharks and countless numbers of online lenders! several online loan cash companies scammed me of about $6k they stole they stole $6,000 from me all in the name of fees and fake promises of giving me a loan and finally gave me NOTHING!fine, the banks in my country maintained that i was having bad credit while other loan sharks maintained a very high interest rate which i could never pay off even 1o years after i die and due to all this reasons i decided to relax and to accept my faith but on my search for an accredited loan agency that offers loans online on Google i came across this loan agency by name AMIER MILLER CLASSIC LOAN ?INSTITUTE which offers loan at a cheap rate 2.5% as there terms and conditions was well spelt alongside other interesting testimonies i read about them, online , i was very impressed and convinced but still i was scared because legitimate loan agencies does not offer loans as low as 2.5% so i was very careful but after asking around about this loan agency from friends and advanced personalities i was meant to understand that they are a legit loan agency and due to this revelation about them i had to choice other than to apply for a loan with them since i was not having any other choice and this was done via the email address that was listed on there : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com i am thankful and grateful to
this loan agency .. Go get your today and be free too, have them contacted if you need a loan too .
By Theameirmillerloanorganisation,  Wed Feb 17 2016, 05:58
Its really a great thing and a great privileged on my part that i am now the person saying all this about a loan agency , despite all my old believes that there are no real and legit loan agencies .. since i got scammed too many times and due to this , i now know that , its not good to judge a book by its cover, I am Amanda Brandon I have tried and tried every bank in my country , loan sharks and countless numbers of online lenders! several online loan cash companies scammed me of about $6k they stole they stole $6,000 from me all in the name of fees and fake promises of giving me a loan and finally gave me NOTHING!fine, the banks in my country maintained that i was having bad credit while other loan sharks maintained a very high interest rate which i could never pay off even 1o years after i die and due to all this reasons i decided to relax and to accept my faith but on my search for an accredited loan agency that offers loans online on Google i came across this loan agency by name AMIER MILLER CLASSIC LOAN ?INSTITUTE which offers loan at a cheap rate 2.5% as there terms and conditions was well spelt alongside other interesting testimonies i read about them, online , i was very impressed and convinced but still i was scared because legitimate loan agencies does not offer loans as low as 2.5% so i was very careful but after asking around about this loan agency from friends and advanced personalities i was meant to understand that they are a legit loan agency and due to this revelation about them i had to choice other than to apply for a loan with them since i was not having any other choice and this was done via the email address that was listed on there : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com i am thankful and grateful to
this loan agency .. Go get your today and be free too, have them contacted if you need a loan too .
By Theameirmillerloanorganisation,  Wed Feb 17 2016, 06:05
Ahana Eneney Jnr is my name, its so wonderul that i am part of this financial transpformation that is going on line , i have seen hell in the hands of the various fake lenders who come to decioever and rip you of your hard earned money but all my pains became a thing of the past upon my encounter with THE WINONA MILLARAY LOAN COMPANY and this is why i am sharing my experience on here so thhat evertyone an see what i have been through too.

YOu should be careful and smart everyone simply because if getting a legit loan online was that easy as stated in all this fabricated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about $16,000 United State Dollars ? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of desperation to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders deceived my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our business over here in Ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had concluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew him from the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called THE WINONA MILLARAY LOAN FOUNDATION but prior to our application with this email address :thewinonamillarayloancouncil@hotmail.com or you can check them out on this address too mrswinonamillarayloancouncil@gmail.com that he provided to us we quickly look up this loan company in Google so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress . Ahana Enaney from Ireland and you can reach me on my official email address ahanaenaney@gmail.com
By Trusted.ventures,  Fri Feb 19 2016, 02:38
IMPORTANT INFORMATION! PLEASE READ?

I was just passing and i decided to drop this information for those who need it. If you are looking for a loan or a legitimate project funding company to finance your project or you wish to start a new business venture in 2016 but do not have enough funds, here is how i was able to get a company loan just few weeks back.
After being scammed several times by loan some hungry scams. I decided to give up and meet a friend of my to ask him for funds as i have also been turned down by my bank several times. He told me he is doing business with a loan he took from an international Islamic credit union. So he directed me to take loan from them too. Initially i didn't believe him because of my previous bad experience with some online lending company pretending to be lenders. But he convinced me to try once more and see the difference. Because i am a Muslim, i hold on to my faith and decided to try one last time because i believe since it is a Muslim loan union, we are always truthful. When i tried, i was surprise that after 3 days working days, i got a loan of Rp500.000.000.00 from them. The whole process was simple. All their staffs are people who have the fear of Allah in their heart. No hidden charges. No collateral was required from me. I am so happy now and my business is moving on well. I want to advice anyone who is urgently looking for a genuine place to get a soft loan to contact them. I will not give out all their information's here for fear of impersonation. I will only provide their email: ( trusted.ventures@yahoo.com ) I just decided to drop this piece of information so you won't fall into the hands of scam when looking for where to get a legitimate loan online to start business or do other things in 2016. Contact them now and experience financial freedom in 2016.....
By Theameirmillerloanorganisation,  Sun Feb 21 2016, 08:10
I am Theo B. by name, Having gone through alot of trauma and pains due to me been fired fromthe office , i spent all my money on an unwise investment , that made me loose over $70,000.00 thousand dollars that i got from savings on my last job,so I wanted a loan to start up a business but i was scammed severally by those bastards who pose themselves as loan lenders and tries to rip people off their hard-earned-money.I finally applied from ..It was unbelievable that i finally got my loan..On behalf of my family I want to thank you for your help.Thank you MrsWinona Millaray for keeping I and my family's head above water . her company contact address is
thewinonamillarayloancouncil@hotmail.com or better still mrswinonamillarayloancouncil@gmail.com please ,If you want to experience swift and guaranteed service you can have them contacted and also letting them know that you were referred to them by a client who got loan from them a few days ago .Thank You Once Again ....
By Trusted.ventures,  Thu Mar 3 2016, 02:34
My dear brothers and sisters, My name is Pastor Bryce Knorr. I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this new year 2016 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 3% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late last year when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via (trusted.ventures@yahoo.com) We applied for an unsecured loan of $100,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2016 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2016 will be your financial breakthrough in thy mighty name of JESUS....GOD BLESS YOU ALL.
By Trusted.ventures,  Thu Mar 3 2016, 02:34
My dear brothers and sisters, My name is Pastor Bryce Knorr. I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this new year 2016 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 3% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late last year when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via (trusted.ventures@yahoo.com) We applied for an unsecured loan of $100,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2016 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2016 will be your financial breakthrough in thy mighty name of JESUS....GOD BLESS YOU ALL.
By Omsk0090,  Fri Mar 18 2016, 14:23
Very informative post. I will definitely keep this in mind for the future

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By L.sherri64,  Tue Apr 5 2016, 18:13
why is there a lot of loan scammers on this site? I'm sorry it was very informative until I got to the loan scammers, please people don't fall for all these scams that are on here offering loans, as my dad has always told me if it sounds to good to be true it probably isn't true.
By Johnrobinsonloaninvestmentfirm,  Thu Apr 21 2016, 18:29
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By Johnrobinsonloaninvestmentfirm,  Thu Apr 21 2016, 18:30
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By Goldmendal,  Sun Apr 24 2016, 15:09
A MUST READ: I am Cortz Mendal, I live in Montana, I like to bring this to the knowledge of the general public about how my life got transformed from the most diverstating part of my life when my shop caught fire and I lost everything. I could no longer pay bills, then i set out to source for funds by all means just to keep I and my kids going. It was during this process i got scammed out of $2,560 and i said to myself that i will never source for funds on the internet anymore. Until I read about juanfinancelimited@yahoo.com on how they helped a woman who had nothing with a loan to get back on he feet. At first I never believed her testimony due to my past experience with lenders online But due to what i was going through, I had no choice but to give them a trial and I am happy i did. I was granted a loan of $70,000.00, by this Company to startup my burnt down business over again. My advice to anyone who requires any financial assistance from a genuine lender and can be trusted and capable of paying back in due time of the funds should email them or call +13072984167 and you will never regret it.
By Unitedloanfundings,  Mon May 2 2016, 12:38
My name is Vince Tom i currently live in united state of America, about a year ago i was going through financial bankruptcy a friend of mine introduced me to ( UNITED LOAN COMPANY) so i contacted the company and i applied for five thousand dollars. Within the shortest period of time, i received my money through my bank account. am only doing this because i think they can help you with whatever kind of loan you may want to apply for. the contact is unitedloanfundings@gmail.com
By Thewinonamillarayloancouncil,  Thu May 12 2016, 07:26
Hi readers ,its Cyndi Minton talking ,I will be clocking 26 in the month of may next year ..I needed an educational-loan to complete my studies as i was taking up with several menial jobs due to the fact that my parents are not that stable enough to finance my educational dreams , due to all these issues of life i needed an educational loan of united state dollars $15,000 by all means online ..I told my boy friend about my intention to apply for a loan online but he said, "no loan is real online but still i saw several testimonies about this loan agency and i decided to take up the risk of applying for a loan with them without letting him know because he was gonna go mad with me on it Hmmmmm"I applied from WINONA MILLARAY LOAN FOUNDATION and I got my loan from this company within 2 days and no more ..Mrs Winona Millaray,thank you very much for making my dreams come true and for proving my friend wrong that not all internet-loan-lenders are fake.You can contact them if you need a loan through there 2 emails: thewinonamillarayloancouncil@hotmail.com and also mrswinonamillarayloancouncil@gmail.com
By Andreasba2016,  Sun May 29 2016, 18:43
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By Andersonkarl1032,  Sat Jun 4 2016, 01:40
Am Anderson Karl by name, I live in Arlington, United State Of America, NOVEMBER last year,am grateful to God so much that He has finally put smile on me by connecting me to this lender who put a smile on my face. This lender whose name is Mr Morison Webb gave me a Business loan which amount is $250,000USD last week,after my agreement to their company terms and conditions and one significant thing i love about this loan company is its fast service and also its God fearing attitude for not been like others. I give glory to God that my storm is over now,and am now that busy man that i used to be and also my business is now growing here in my country because i now have much capital to do my business properly before the year runs out without having to go and meet my bank for any assistant .Thank you Mr Michael David for this dream come through and i promise to try all my best to refer your loan company to others this year as you have also lend me a loan to start up my own business this year 2016,i will also refer customers to your company who are also in need of loan.. thanks so much over and over again and may God guide you all . here is their email to contact them if you need loan too..morisonloanfirm@outlook.com because he is the most understanding and kind hearten lender.
By Pasqualinalattanzio,  Tue Jun 14 2016, 09:56
I will like to ask this question before i go straight to my public announcement out here. If getting a legit loan online was so easy as stated in all this fabricated / duplicated loan testimonies that i have been reading through online, then why was i and my lovely husband turned down for a loan online five times after been scammed of about $42000 Australian Dollars? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of desperation and sometimes frustrations to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real and reliable loan lenders. The last loan lenders that ripped us off our hard earned money asked us to pay some few amount worth $800 dollars for insurance because they said that we were on high risk. How is that? I still don't understand. how can a lender be requesting several fees from a borrower? if that borrower was having money would he or she have come along to ask for a loan? those lenders deceived my husband and i of getting a loan and we thought it was all real because we never believed that there was anything as an online loan scam and they had us pay all we had to them and due to the way things were moving we had to close out our business over here in Australia as we could not meet up with the customers needs any longer because we sold all most every single thing we had and we could not replace them as we thought that we could do so if we get our requested loan amount. In a lay man language, YES !! we were scammed by almost six different lenders online, Before a customer who was a closed friend to my family saw the way things were so bad for us and decided to introduce us to a private loan company that was registered and accredited by the government.But frankly speak-en, we refused any further loan offer because we had concluded that all of them were scams and the same but he insisted as he opened up to me and my husband how he got a loan from the loan firm he narrated to us that he has so much and high integrity in granting loans to the world. He also told us that this loan firm called Derek Barlow Loan company is a reliable and a reputable loan firm know in the world for reliable work. After this our family friend called Marin Carl has told us so much about this loan firm, I and my lovely husband had no other option than to believe him, because we knew him from the onset to be a man of unquestionable characters who was always known for his words and we applied with this company that he called Derek Barlow Loan Firm but prior to our application with this email address: derekbarlowloans@yahoo.com , that he provided to us to contact the reliable loan firm, Without fear that we are applying for a loan from a firm that will not scam us out of our hard earned money like others. It was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan after meeting with the terms and conditions this loan firm and we follow up with the non-collateral loan process and meet up with the requirement in getting our loan. Am by name Lattenzio Pasqualina and you can send me an email on the following email address: which is my private email address if you need more clarification. Because i am ready to do all that is within my reach to let the whole world know that Derek Barlow Loans is the only real and existing loan firm online that can grant you loan without any form of scam activities. You will also find my identity card on some of my post to let everyone that need loan know that Derek Barlow Loan is the only real and reliable loan firm online in the world that could grant us our dream loan amount of $456000 Australian Dollars.
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By Sharoncoolidge472,  Tue Jul 12 2016, 16:04
my business collapse 8 months ago, I had no hope of getting my business alife again.I tried to borrow money from the bank but I did not have enough money in my credit card and no property as collateral to get a loan, but someone introduced me to a woman called Alfred Kessinger. This man`s loan company was able to give me a loan of $30,000 without any property as collateral or credit card, but he gave it to me on trust. So my friends I said to myself why being selfish, so i decided to share this information with everyone. If you require a loan from a reliable loan lender do contact Alfred Kessinger on am.invest@hotmail.com

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