Personal loans – Padel Club UK

Overton Co. clerk forged car titles for personal loans

Alexis J. Lawrence — Wed, 27 Apr 2022 00:39:00 +0000

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A woman working in Overton County used her job as a clerk to alter vehicle titles – creating fake new ones for herself – and secure personal bank loans with her forged documents.

The discovery of what she had done was a collaborative investigation conducted by the Tennessee Comptroller’s Office in conjunction with the Tennessee Highway Patrol and the Tennessee Department of Revenue.

The clerk changed the title of a 1949 Cadillac to make it look like it was recently sold to one of his family members. The real vehicle had been destroyed in a garage fire about 22 years ago.

After registering the Cadillac title with the state of Tennessee, she used it as bogus collateral to secure a $15,000 loan.

The clerk also changed the documentation for a 1979 Ford that no longer exists. She registered it with the state and used the new fake title to get a $28,000 loan.

To avoid paying sales tax, she declared the vehicles as gifts, which also required her to falsify state and county records.

The attendant sold a vehicle to a mechanic to whom she owed money, then allowed it to be registered as a gift to the buyer.

Investigators also found the clerk had removed office furniture, equipment and some flooring from her office space without approval from the Overton County Executive. What she removed was loaded into a trailer and taken to private property.

The full investigation report is available online.

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Global Consumer and Business Debt Consolidation Market Growth – Learn about Personal Loans (USA), Lending Club (USA), Payoff (USA), SoFi (USA), FreedomPlus (USA), etc.

Alexis J. Lawrence — Thu, 24 Mar 2022 14:31:14 +0000

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Consumer and Business Debt Consolidation Market: Key Insights

The latest research report, titled “Global Personal and corporate debt consolidation market Insights 2022 and Forecast 2028, this includes an overview and an in-depth study of the factors which are considered to have a greater influence on the future development of the market, such as Market Size, Market Share, Different Industry Dynamics, Consumer and Corporate Debt Consolidation Market Companies, National Markets Regional Analysis, Value Chain Analysis, Consumption, Demand, Areas of application keys and more. The study also talks about crucial pockets of the industry such as products or services offered, downstream domains, end users, historical data regarding revenue and sales, market background and more.

Consumer and Business Debt Consolidation Market: Competition Landscape and Key Developments Discover Personal Loans (US), Lending Club (US), Payoff (US), SoFi (US), FreedomPlus (US) and more…

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The COVID-19 outbreak:The Global Consumer and Corporate Debt Consolidation Market study covers current status, percent share, future patterns, rate of development, SWOT examination, sales channels, to anticipate the growth scenarios for the years 2022-2028. It aims to recommend market analysis with respect to growth trends, prospects, and the contribution of players to the development of the market.

Market is split by Type, can be split into:Credit card debt Overdrafts or borrowingsThe market is split by Application, can be split into:CompanyPrivate

Global Consumer and Corporate Debt Consolidation Market by Geography:

• Asia Pacific (Vietnam, China, Malaysia, Japan, Philippines, Korea, Thailand, India, Indonesia and Australia)• Europe (Turkey, Germany, Russia UK, Italy, France, etc.)• North America (United States, Mexico and Canada.)• South America (Brazil, etc.)• The Middle East and Africa (GCC countries and Egypt.)

Years Considered to Estimate Market Size:Historical year: 2015-2022Year of reference : 2022Estimated year: 2022Forecast year: 2022-2028

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1. Consumer and Business Debt Consolidation Market Overview1.1 Introduction1.2 Scope1.3 Assumptions1.4 Players Covered1.5 Market Analysis by Type1.5.1 Global Consumer and Business Debt Consolidation Market Size Growth Rate by Type (2022-2028)1.5. 2…1.6 Market by Application1.6.1 Global Consumption and Corporate Debt Consolidation Market Share by Application (2022-2028) 1.6.2 Application 12. Executive Summary3. Consumer and Business Debt Consolidation Market Analysis by Type (History 2016-2022)3.1 Global Consumer and Business Debt Consolidation Market Size (USD Million) Analysis 2016-20224. Consumer and Commercial Debt Consolidation Market Analysis by Application (History 2016-2022)4.1 Global Nanoscale Smart Materials Market Size (Million USD) Analysis 2016-20225. Consumer and Commercial Debt Consolidation Market Analysis by Regions (Historical 2016-2022)5.1 Global Consumer and Commercial Debt Consolidation Market Size (Million USD) Analysis 2016-20225.1.1 Consumer and Commercial Debt Consolidation Market Share by Region (2016-2022) 5.1.2 United States5.1.3 Europe5.1.4 China5.1.5 Japan5.1.6 India5.1.7 Rest of the world6. Analysis of Key Companies/Company ProfileContinued………..

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PNC Bank Personal Loans Review 2022

Alexis J. Lawrence — Thu, 17 Mar 2022 07:00:00 +0000

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PNC Bank can trace its history back to 1852 and the Pittsburgh Trust and Savings Co. Today, PNC Bank is the seventh largest bank in the United States and offers a wide range of personal and business banking services. Among its product line, PNC offers unsecured personal installment loans up to $35,000. Applicants are considered based on their satisfactory credit history, repayment capacity and income.

Best Features

A range of loan amounts and repayment terms.

No prepayment penalty and no application or handling fees.

Get a 0.25 percentage point discount if you set up autopay using a PNC checking account.

Candidates can obtain a loan with a co-signer.

Disadvantages

Account features (such as the ability to complete the full application online or be prequalified) and pricing vary by location.

Prequalification is only available for certain customers.

What can PNC personal loans be used for?

PNC personal loans, which start from $1,000, can be used for a variety of purposes. The main ones are to consolidate debt, finance home improvements or repairs, or meet unexpected expenses.

How do PNC personal loans work?

Prospective borrowers can begin the PNC personal loan application process online, in person at a branch, or over the phone. You will need to share personal and financial information, including:

Name, social security number, date of birth and address

An identity photo

Annual income plus any other income you want to include

Monthly housing expenses

Desired loan amount

If you are consolidating other debts, you must list the names of the creditors, the total balance owing, and the monthly payment amount.

Co-applicants will also need to include address and annual income.

For those who already have a PNC online banking account, logging in pre-populates your application.

The application only takes a few minutes to complete, and in some (but not all) cases, PNC will offer a decision immediately along with instructions on how to proceed.

Borrowers cannot use the loans to pay for college-related expenses or to refinance a student loan. PNC offers separate student loan and refinance options.

What are the terms, fees and conditions of a PNC personal loan?

Borrowers can take out personal loans from $1,000 up to $35,000. Some states have lower loan limits. Annual percentage rates vary by zip code and other factors.

Keep in mind that the APR may increase depending on the applicant’s credit rating. Other factors affecting the rate include the loan amount and the repayment terms chosen. For example, a 24 month term will generally have a lower APR than a 36 month gain.

Note that borrowers can also get a 0.25 point interest rate reduction by automating payments using a PNC checking account.

PNC does not charge set-up or administration fees, and there is no penalty for early repayment. The late fee, once a payment is 15 days late, is 10% of the payment or $40, whichever is less.

Repayment terms vary from six to 60 months.

How can you benefit from a PNC personal loan?

PNC does not disclose specific credit score requirements. Co-applicants can help borrowers qualify if they are unable to do so themselves.

Depending on the loan amount requested and the repayment terms you seek, qualifications and rates may vary. PNC offers a pre-qualification option to some applicants in some locations, but if this is not available, you must submit the full application to see if you are eligible.

What credit score do you need for a PNC personal loan?

Although PNC does not disclose minimum score thresholds, all applicants will be considered for approval based on their satisfactory credit history, repayment capacity and income.

Where does PNC operate?

PNC has a branch footprint in the Mid-Atlantic, Midwest and Southeast regions. People in the 50 states plus Washington, DC can apply for a personal loan online. The application process may vary depending on where the borrower is located.

Is PNC reputable?

PNC Bank has an A+ rating with the Better Business Bureau, but it is not BBB accredited. It has closed 608 complaints over the past 12 months. PNC Bank has a rating of 2.3 (out of 5) on Trustpilot. The Consumer Financial Protection Bureau has received 132 complaints over the past 12 months regarding PNC personal loans and has closed them in a timely manner.

How is PNC’s customer service?

Customers can reach customer service by phone Monday through Friday, 7 a.m. to 10 p.m. ET, or Saturday and Sunday, 8 a.m. to 5 p.m. ET.

During the application process, users can open an online chat window or call to reach a representative for assistance.

PNC also has a Twitter handle that is responsive to customer questions and requests, as well as a Online FAQs on the website that covers common issues.

What are some of the online features for PNC personal loans?

Some customers may complete the personal loan application online, while others in some locations may need to visit a branch or call by phone to complete the process. The same is true for prequalification – it is not available to everyone.

Once the loan is processed and approved, borrowers can set up automated payments or pay the bill online PNC Bank also has a mobile application for account management including loans where you can view account activity and make payments.

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Peerform Personal Loans Review 2022

Alexis J. Lawrence — Thu, 10 Mar 2022 12:15:30 +0000

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Personal Finance Insider writes about products, strategies, and advice to help you make smart decisions with your money. We may receive a small commission from our partners, such as American Express, but our reports and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our editorial standards.

Editor’s note: 2 out of 5 stars

The bottom line: While Peerform has decent rates on its personal loans, but it charges a lot of fees. Peerform no longer creates new personal loans, so this review is especially useful for existing customers who want to better understand their Peerform loan. To find another personal loan company, see our list of top lenders.

Perform personal loan amounts and interest rates

Performing loan amounts range from $4,000 to $25,000. For small or very large expenses, it may be better to take out a personal loan from a competitor. Peerform offers terms of three to five years.

You’ll get an APR of 5.99% to 29.99% with Peerform, which is slightly better than the rates you’ll get from other lenders for people with bad credit. For example, the APR range of Avant is 9.95% to 35.99%, and the range of Upgrade is 5.94% to 35.97%.

Peerform offers peer-to-peer loans, which work differently than traditional personal loans made directly from a lender. With a traditional lender, you complete an application and receive a set of loan terms from the company lending you the money.

With Peerform, once you complete an application, your loan will be listed on a marketplace where individual investors can decide to fund your loan. Peerform will rate your loan based on its perceived level of risk, then show investors the interest rate, the purpose of your loan, and its funding schedule.

You can use a personal loan for a variety of purposes, including debt consolidation, home improvement projects, and medical expenses.

Advantages and disadvantages of Peerform personal loans

Benefits

Clearly defined terms. Peerform is very transparent about the interest rates you’ll pay and the fees that come with their loans. Other lenders may hide this information in the fine print.

Competitive Minimum APR. You can get a bit lower rates with competitors, but Peerform still has solid minimum rates. (You will need to have excellent credit to get them though)

No prepayment penalties. You will not pay any fees if you decide to prepay your loan with Peerform.

The inconvenients

The new personal loans are no longer available. Peerform no longer creates new personal loans, so if you’re not an existing customer, you’ll have to look elsewhere to get one.

Many types of fees. The Peerform origination fee, which is subtracted from the loan proceeds before the money is disbursed, is between 1% and 5% of the total loan amount. The late fee is 5% of the amount of the missed monthly payment, or $15, whichever is greater. Peerform also charges a $15 verification processing fee and a $15 unsuccessful payment fee, which would be applied if a payment becomes overdrawn in your bank account.

High maximum APR. The APR on Peerform loans reaches 29.99%. If you have bad credit, you may want to look for another lender or look for ways to improve your credit score.

Limited range of term lengths. Peerform personal loans have a term of three to five years. Other lenders have more options for spreading your costs over a longer period.

No mobile app. Although the company has a mobile-friendly website, it does not have an app. Most lenders make it easy to manage your loan on the go.

Who is Peerform for?

Peerform is best suited for borrowers with poor credit ratings as they are more likely to be approved by Peerform than other lenders.

Peerform personal loan comparison

Perhaps the most important distinction between the three companies is that while you can get a new loan from Avant and Upgrade, you cannot with Peerform.

Both Avant and Upgrade have a mobile app, while Peerform does not. These lenders may be a better choice for borrowers who prefer to manage their loans virtually.

All three lenders are good for borrowers with bad credit because they are more lenient on minimum score requirements than some other lenders in the industry.

Is Peerform trustworthy?

Peerform has earned an A+ rating from the Better Business Bureau, a nonprofit organization focused on consumer protection and trust. The BBB rates companies based on their responses to customer complaints, honesty in advertising, and transparency in business practices.

Keep in mind that a good BBB score does not necessarily mean that you will have a good relationship with the company and should simply be used as a starting point in your search for a personal lender.

Peerform has not been involved in any recent controversies. Between its clean history and its good BBB score, Peerform can be considered a reputable lender.

Frequently Asked Questions

What credit score do you need for a Peerform loan?

Currently, Peerform doesn’t make new loans, so you won’t be able to get any, regardless of your credit score. In the past, Peerform assessed interest rates on its loans based on credit rating and other financial factors.

Is Peerform a legit company?

Peerform is a legitimate business, serving as a marketplace where interested investors can fund people looking for personal loans. Because peer-to-peer lending isn’t as common as traditional lending, Peerform might not seem as legit, but that’s a misconception.

How long does Peerform take to fund a loan?

Peerform will deposit the funds within a few business days.

Ryan Wangman, CEPF

Junior Loans Journalist

Ryan Wangman is a Junior Reporter at Personal Finance Insider and reports on personal loans, student loans, student loan refinance, debt consolidation, auto loans, RV loans, and boat loans. He is also a Certified Personal Finance Educator (CEPF).
In his past personal finance writing experience, he has written about credit scores, financial literacy, and home ownership. He is a graduate of Northwestern University and has previously written for the Boston Globe.
Learn more about how Personal Finance Insider chooses, evaluates and covers financial products and services here >>

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Peerform Personal Loans 2021 Review – Forbes Advisor

Alexis J. Lawrence — Tue, 04 Jan 2022 14:00:06 +0000

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Peerform takes a number of factors into consideration when deciding whether or not to approve you for a loan. Based on these factors, it will assign a rating to your loan, depending on its degree of risk. The lower your rating (i.e. the higher the risk), the higher your rates will be.

Meeting the requirements below does not guarantee approval, but they can help you decide if a personal loan is right for you.

Credit score requirements

You will need a minimum FICO score of 600. Additionally, you will also need at least one revolving account listed on your credit report, which can be a credit card or a line of credit.

Peerform may also not approve you if you have any of these negative events listed on your credit report in the past 12 months:

Tax privilege

Bankruptcy

Defaults (i.e. late payments)

Collection of non-medical debts

Income requirements

Peerform doesn’t have a set income requirement, but it does set a maximum cap on your debt-to-income ratio (DTI) in order to be approved. You may not be eligible for a loan if your DTI ratio is above 40% (not including your mortgage payment, if you have one).

Your DTI ratio is a measure of your total monthly debt payments divided by your total monthly income. For example, if you earn $ 1,000 per month, you might not be eligible for a loan if your debt repayments are over $ 400 per month.

Additionally, Peerform requires that you have at least one open bank account.

Co-signatories and co-borrowers

Peerform does not disclose if you are eligible to apply with a co-signer or co-borrower.

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