The United States of America

Online loans up to $5,000 with Fundsjoy

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Why Choose Us

We don’t give empty promises. Instead, we adhere to the principle of responsibility for our words and actions. We pursue the idea of simplicity and make it ultra-easy to navigate through the website. We stay out of your personal reasons why you need to borrow. Finally, we do not assess your credit and do not judge your financial habits – we act as a bridge between you and the lender.

  • Get cash when you need it

You can’t be ready for anything that may happen in your life. Unfortunately, many emergencies require investing, and not always you have enough savings as a shield against unforeseen expenses.

  • Enjoy the quickest service

When you feel an urgency about your financial matter, time is of the essence. The entire process of getting an online personal loan is simplified and expedited. Complete the form just right from your home, submit it and give our system a few moments to find you a competent lender.

  • Pay no fees and penalties

The last thing you want to do is to pay extra money when you’re extremely short on cash. We understand this and provide a free of charge service. Moreover, no penalties are levied in case you decide not to accept an offer from any lender.

Reach Your Financial Goals

Lacking a sufficient amount of money shouldn’t be an issue of achieving your goals. However, you shouldn’t take a loan for no good reason. Turn to this option only if you’re in real need and there are no alternatives to getting the money. Which are common uses of a long-term loan?

  1. Important recurring expenses
  2. Unexpected emergencies
  3. Medical bills
  4. Special occasions

Online Platform That Works

fundsjoy.com is a trusted online platform, working to link you with a lender that is ready to meet your interests. We have built an extensive database of qualified professionals. This means you have the perfect chance to get the best offer tailored for your specific needs.

Though we devote much time and energy to help you, we don’t charge a dime for using our service. Moreover, you are under no obligations until you e-sign a loan agreement with your lender. And we highly recommend that you accept only those offers that completely satisfy your own requirements. We do not charge any penalties for your rejections.

Our prime goal is to be the best platform on the market that can back up your initiative to handle any financial hardship. We pay attention to every little detail of the process, making it extremely convenient to go through.

What makes us stand out?

We’re Simple

You’re minutes from getting a decision from a lender.

We’re Affordable

Any credit is welcome! A FICO score isn’t the issue.

We’re Transparent

We keep everything clear and understandable so you can smoothly go through the entire process.

Make Haste Slowly

A loan can be a lifesaver, provided you use it wisely. Before you submit, ensure that you won’t have any problems with repayment. Please, make yourself aware of all terms, and don’t take any hasty decisions. Otherwise, you risk finding yourself with nothing but unjustifiably high interest rates and unnecessary fees.

Small Loans, Big Benefits

The fastest way to get the amount you need is to take out a personal loan. Simple terms, complete privacy, and convenient payment process make it a decent credit solution.

Unlike payday loans that are meant to be paid off in a lump sum within a month, personal loans are long-term and are paid in fixed monthly payments, which makes them less risky and more accessible.

Provided you’re a responsible borrower with healthy financial habits, entrust us with finding you the right lender, and you’ll probably go through your financial arrangements in the easiest way.

Accessible Personal Loans for Your Needs

We know how it happens. You live in peace, unaware that life is going to throw a huge unexpected expense on your way. The situation can be really tough to cope with when you have little to no savings.

In a perfect world, you can rely on a credit card. However, many Americans can’t afford such a solution. Realizing this, we’ve decided to take action and create an online platform, using which everyone can get access to funds when emergency strikes.

Top 5 Need-to-Knows about Personal Loans

What is a personal loan?

A personal loan is a long-term installment loan marketed as a fast way to borrow a lump sum of money that is meant to be paid back in fixed monthly installments over an extended period of time.

How much can you borrow?

The loan limits vary by lender. The major factor that determines the amount you can qualify for is your credit score, followed by credit history and debt-to-income ratio. By reviewing this information, lenders want to ascertain your ability to repay on time.

What are the requirements to apply for personal loans?

  • be at least 18 years old
  • be a U.S. citizen
  • be employed and have a reliable source of income
  • have a checking account
  • have a valid email address and telephone number

What should you do to request a loan?

All you have to do is to fill out our online form with the basic information and submit your request. The rest legwork is our concern.

How long does it take to get a decision?

Normally, the decision is instant. It takes up to a few minutes to connect you with a suitable lender after you submit.

How it works

Fill Out Our Simple Form

It takes moments to fill out our online form. We ensure that every piece of your personal information stays secured. You get quality service that is absolutely free for you to use.Apply Online

Get Connected with a Lender

After submitting, you’ll receive an immediate decision on your request. We don’t check your credit background, so you can easily submit even with less-than-perfect credit.

Receive Your Cash Fast

If approved, finalize your loan with the lender by completing a few additional documents and get your cash sent right to your bank account.

How Much Do You Need? Decide and Get!

You are in good hands, as we are seeking to help you build up your finances. There’s no point in stressing out in an effort to find money without knowing the market. We’ll take all legwork for you, as we’re really good at this.

Annual Percentage Rate (APR)

Annual Percentage Rate (APR) represents the annualized interest rate that you are charged for borrowing. It is the combination of the nominal interest rate and some additional costs such as fees involved in obtaining a loan. Our lenders offer APRs for personal loans from 4.99% to 450%, APRs for cash advance loans from 200% to 1386%, and APRs for installment loans from 6.63% to 225%. Since fundsjoy.com is not involved in the lending process, we cannot deliver any specifics about the APR you will be offered. The APR depends solely on your lender’s decision, based on various factors including your credit score, credit history, income, and some other information you supply in your request. For more information regarding the APR contact your lender.

Representative Example of APR

If you borrow $2,500 over a term of 1 year with an APR of 10% and a fee of 3%, you will pay $219,79 each month. The total amount payable will be of $2,637, with total interest of $137,48.

Financial Implications (Interest & Finance Charges)

fundsjoy.com is not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. fundsjoy.com service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into commitment to repay the amount you owe according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as fundsjoy.com is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. For more information, please contact the lender directly if you have any issues relating to your loan repayment.

Potential Impact to Credit Score

fundsjoy.com is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.

Collection Practices

fundsjoy.com is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender. For more information visit our page for Responsible Lending.

Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.

F.A.Q.

What is a personal loan?

A personal loan is a long-term installment loan marketed as a fast way to borrow a lump sum of money that is meant to be paid back in fixed monthly installments over an extended period of time.

How much can I borrow?

The loan limits vary by lender. The major factor that determines the amount you can qualify for is your credit score, then credit history and debt-to-income ratio. By reviewing this information, the lender wants to ascertain your ability to repay on time.

What are the requirements to apply for personal loans?

  • be at least 18 years old
  • be a U.S. citizen
  • be employed and have a reliable source of income
  • have a checking account
  • have a valid email address

What should I do to request a loan?

All you have to do is to fill out our online form with the basic information and submit your request. The rest legwork is our concern.

How long does it take to get a decision?

Normally, the decision is instant. It takes up to a few minutes to connect you with a suitable lender after you submit a request.

What can I use my personal loan for?

Personal loans are multipurpose. You are free to decide yourself what you spend the money for. The most common uses are emergencies, medical expenses, house renovations, car repairs, special occasions, and big-ticket purchases.

Can I apply with bad credit?

Yes! We believe everyone has a chance to get funded when you need it. Your credit profile isn’t the issue, so feel free to submit a request.

How long does it take to get approved?

It totally depends on a lender. If approved, you’ll get a notification.

How will I get my cash?

Your funds will be deposited directly into your bank account in as little as the next business day.

What if I fail to repay?

Missing the payment may cause a lot of unpleasant things starting with high fees and ending with your credit score downgrading. However, always get in touch with your lender as soon as possible and notify them in advance about your problem to discuss the possible ways to address your issue.

Do I have to pay any fees for using your service?

No. fundsjoy.com is an online service that is free to use. You aren’t obliged to accept any offers you may get from us until you are satisfied with the lender’s terms and conditions.

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