We give a helping hand to anyone who is enthusiastic about improving their financial health. With a strong belief in social justice, we’re convinced that everyone, regardless what credit background you have, deserves to get assistance.
Moreover, our service is free for you to use. Why is that? We have no intention to gain profit on our customers who hardly make both ends meet. You see, there’s no longer a reason to stress out if you face financial hardships. We’re here to help you out. For free.
Are you a bit confused with online loan borrowing stuff? Don’t worry. Getting a loan at our online platform is much similar to receiving it in a traditional financial institution, although it’s easier, faster and more convenient.
How we can help you
Need some cash but have no time to raise the necessary funds? When you face unforeseen expenses and have little to no savings to cover them immediately, an online personal loan can be a quick source of money. This is a long-term, unsecured type of credit, normally, with affordable rates and an opportunity to pay the sum you owe in monthly installments.
We at JirehCakes.com aren’t in the habit of prying into your affairs and finding out why you need to borrow. You are free to use the money for any purpose! We just ask you to provide a little basic information to find the best lender for you.
Secure way to get loans
We do NOT check your credit, we do NOT charge a dime for using our platform, we do NOT have sneaky plans for gaining profit on hidden fees. We are transparent and provide clear step-by-step instructions how to get the money. And we do the job flawlessly.
Is a personal loan right for you?
As personal loans are unsecured, creditors are quite strict about the requirements. The major factor that determines your qualification is your ability to repay. This means they’ll assess your credit history and score, income, occupation, and existing debt.
The higher your score, the better terms of the loan you may get. However, some online lenders are ready to work with the less-than-perfect score. But in this case expect to have less favorable interest rates.
How to get a loan with us
To start, you pass a simple procedure of pre-qualification. It’s free and doesn’t affect your credit. It allows lenders to check your creditworthiness and decide on your individual loan terms.
The algorithm of getting an online loan typically involves 4 simple steps:
– Complete our form with a few personal details, including information about your income, employment, and current debt.
– Then the lender will run a soft credit check to assess your creditworthiness. It allows them to make sure you are able to repay on time.
– If after your credit assessment findings, the lender decides to move forward with your loan, you’ll get the information about the terms you can expect to have.
– If you’re satisfied with all the terms and conditions, accept the offer. Finalize the process directly with the lender and get your money as soon as the next business day.
Why take out a personal loan online? Though there are those who are inclined to trust only traditional financial institutions such as banks and credit unions, more and more borrowers are switching to online credit solutions. And there’s a good reason why the situation on the market has reached this stage. It’s all about unsurpassed convenience and speed.
You can offset any temporary financial hardship or transform any idea into reality when you have a sufficient amount of money. And our experienced team will help you get the funds quickly and at better rates. Online lenders are more flexible and it’s not uncommon for them to approve you when others don’t.
We understand that there’s always something to pay for, be it an urgent bill or a planned big purchase. Home renovations, special occasions, medical and auto expenses usually entail huge expenses, but lacking a sufficient amount of money shouldn’t be an obstacle to living a full life.
What is the best about an online personal loan? It’s an installment type of credit, which means you get a lump sum at once, use it for any purpose you want, and pay off in fixed installments each month. It’s flexible and saves you a lot of time.
The 4 crucial need-to-knows for flawless loan experience
First and main, only borrow if you really need it. Try to thoroughly plan your budget so you can make regular repayments.
Second, pay special attention to the interest rate – the lower it is, the better for your budget.
Third, before accepting the offer, check out if any fees are included. Try to avoid any of them!
Fourthly, if you want to bid farewell to your debt early, clarify, whether you’re entitled to use this option without being charged a prepayment penalty.
Finally, stick to healthy repayment habits and enjoy your loan!