在旧金山哪里可以获得个人贷款?

To obtain a personal loan, you have multiple avenues to explore. There are the traditional methods of using banks, online lenders, or payday loan lenders. But being a member of a credit union means you can access a personal loan as well as many more benefits.

Keep reading to find out the best place to get a personal loan in San Francisco.

什么是个人贷款?

首先，什么是个人贷款?

A personal loan is a kind of unsecured loan that requires no security or collateral. 这些贷款提供固定的利率和期限, which allow you to have a consistent monthly payment throughout the life of your loan.

个人贷款受欢迎是因为你可以用这笔钱做几乎任何事情吗. Whether you plan to use a personal loan to pay off debt, plan a vacation, or take in a local 体育赛事, knowing your options can make a big difference in your loan experience.

Lenders will review your application and consider things such as credit score, 信用记录, 债务收入比, 和收入. Once approved, you can sometimes get your money the very 同样的一天!

个人贷款: 网上银行, 传统银行, Payday Loans Lenders

当你想到个人贷款, you may first think of traditional banks and online lenders – and you might even be tempted to get a payday personal loan.

There are pros and cons to getting a personal loan from each of these places and you’ll likely find a credit union is the one with more advantages than disadvantages!

传统银行

Stringent criteria and the possibility of extra fees might mean a big bank is more trouble than it’s worth.

优点:

Many banks require an in-person application process through one of their branches, which can be beneficial if this is your first time applying for a personal loan.
If your credit is good enough, you might get a competitive annual percentage rate (APR).

缺点:

Traditional banks often have the most stringent requirements when it comes to qualifying for a personal loan.
Current bank customers can sometimes find offers or deals to soften those requirements but you may need to open a checking account with a monthly fee.

网上银行

The internet can be like the Wild West so be sure you read the fine print and choose an online lender wisely.

优点:

Online lenders can often get a personal loan finalized and completed within 1 to 2 business days.
这些贷款机构可能不会遵循传统的审批方式, 所以，如果你的信用评分较低，你可能会很幸运.

缺点:

Different online lenders offer various APRs for their personal loans and the rates are often very high, 所以一定要阅读细则.
随着时间的推移，高年利率会导致你支付更多的利息.

发薪日贷款发放机构

Short-term gain could lead to long-term pain when it comes to payday loans, 所以一定要知道你要付出什么代价.

优点:

You can get money right away with just an ID and proof of your paycheck.

缺点:

Payday loans are short-term, high-cost loans and full payment is often due on your next paycheck.
一旦你还清了贷款, you will have less money available until the following paycheck – and this can put you in a negative borrowing cycle.
Rather than an APR, these loans charge a percentage fee of the amount you borrow.
尽管这些费用一开始看起来微不足道, they often add up to an annual interest rate that is much higher than a traditional personal loan APR.
This means the total cost for your payday loan could be far higher than for a personal loan.

个人贷款信用合作社

Credit unions are a great resource for obtaining a personal loan!

Credit unions like gpk电子游戏官网 offer competitive rates, 灵活的条款, 以及卓越的服务. You don’t need to be an account holder to be interested or apply, 但是如果你被批准了, you must complete our quick and convenient application and meet our membership requirements. GPK电子游戏的 MyPath program makes it easy to open an account without necessarily needing to live or work in the Bay Area!

看看这些优点吧, then compare it to other types of lenders and you’ll see why a credit union is an excellent choice.

gpk电子游戏官网个人贷款的优点:

GPK电子游戏提供低至2英镑的有竞争力的价格.4月99%.*
You can get a loan amount as low as $500 – or as high as $50,000.
你不需要支付贷款发起费.
您的贷款期限可以短至61天，也可以长达84个月.
通常，你可以得到现金 同样的一天 当你申请时
GPK电子游戏提供 Skip-A-Pay程序帮你度过你缺钱的那几个月.
GPK电子游戏甚至有借给爪子个人贷款应付意外的宠物开支!

信用合作社的优点:

Credit unions are not-for-profit institutions that put you, the member, first.
Credit union board members are volunteers so we don’t have to work with stockholders and we can return our earnings to members like you.
We want to work with you to reach your individual financial goals.

选择你的贷款人

While it may seem like you have a plethora of options for getting a personal loan, you will want to narrow down your choices based on these factors:

你的信用评分是否使你有资格获得贷款
您理想的贷款期限(贷款期限)
你每个月能付多少钱
The penalty for late payments and whether your due date has flexibility

记住这一点, make sure you carefully read the terms and conditions of any personal loan and compare your options before you sign on the dotted line.

gpk电子游戏官网的个人贷款

在GPK电子游戏, we are ready to work with you in every type of situation to take care of all your financial needs and wants. We offer competitive rates, friendly, personalized service, and tons of benefits for account holders!

今天了解更多关于GPK电子游戏的个人贷款!

查看GPK电子游戏的个人贷款

*年费率. 对于所有贷款, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. 并不是所有的借款人都有资格获得最低利率. There are NEVER any prepayment penalties for repaying your loan early. 所有贷款均须经信贷审批. 截至本披露之日，最优惠利率为3.25%.