{"id":52971,"date":"2019-01-22T04:15:51","date_gmt":"2019-01-22T12:15:51","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=52971"},"modified":"2024-12-15T09:11:03","modified_gmt":"2024-12-15T17:11:03","slug":"how-to-choose-a-responsible-lender","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id52971-how-to-choose-a-responsible-lender.html","title":{"rendered":"How to Choose a Responsible Lender"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2017\/10\/man-with-computer.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-45557\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2017\/10\/man-with-computer.png\" alt=\"\" width=\"376\" height=\"251\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2017\/10\/man-with-computer.png 916w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2017\/10\/man-with-computer-300x200.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2017\/10\/man-with-computer-768x513.png 768w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" \/><\/a>You&#8217;ve decided to take the plunge and get a personal loan. It all sounds so simple &#8212; but the sheer volume of personal loan options and lenders to choose from can be overwhelming. With that in mind, here is a handy guide of five simple tips designed to help you choose a responsible lender:<\/p>\n<p><strong>Take Your Time<\/strong><\/p>\n<p>You shouldn&#8217;t rush into getting a personal loan. Take the time to work out all the details, know exactly which kind of loan would suit your situation, and calculate the amount you will have to repay each month. In fact, you should check out a lender&#8217;s acceptance criteria before applying for a loan with them. If you apply and get rejected, this could have a negative effect on your credit score.<\/p>\n<p><strong>Unsecured vs. Secured Personal Loans<\/strong><\/p>\n<p>You will generally have to choose between a secured personal loan, where you will put up an asset as security against your loan, and an unsecured loan. Unsecured loans with no assets are considered to be more risky ventures for lenders, so the interest rates charged are generally much higher. Your decision will mainly be driven by your financial situation at the time, but just know that if you opt for an unsecured loan you will likely end up <a href=\"https:\/\/lenpenzo.com\/blog\/id1228-18-things-you-supposedly-should-never-pay-for-ever-3.html\" target=\"_blank\" rel=\"noopener noreferrer\">paying more<\/a> in the long run due to the higher interest rates.<\/p>\n<p><strong>Be wary of high APR rates <\/strong><\/p>\n<p>APR refers to the Annual Percentage Rate; that is, how much your loan will cost you over a year, including the interest rates and fees charged. Stay away from loans with massive APR; you&#8217;ll pay much more interest over the course of the loan. Some payday loans can have rates as high as 400% APR!<\/p>\n<p><strong>Steer clear of 100% guarantees <\/strong><\/p>\n<p>These are the loans you see that claim that no one is refused, no matter what their circumstances are or how low their credit score is. Take this as a warning sign. These lenders often charge exorbitant interest rates and high fees. You&#8217;re more likely to fall into a debt cycle, where you accumulate more debt trying to pay off the loans you already have.<\/p>\n<p><strong>Take care with variable interest rates <\/strong><\/p>\n<p>Both variable interest rate loans and fixed rate loans are available. With a variable interest rate, the amount of interest you pay from month to month will fluctuate according to the market interest changes. If the interest rate suddenly increases, you may find your payments go up significantly. For those on tight budgets, this could make meeting your repayments difficult. On the other hand, it&#8217;s been shown that you often pay less interest in total with a variable rate loan. If your budget can handle it, you shouldn&#8217;t ignore this category completely.<\/p>\n<p>So there you have it &#8212; a quick, easy guide for choosing a responsible provider of online personal loans. Just be sure watch out for any hidden traps and make sure you&#8217;ve read all the small print before signing on the dotted line.<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: stock photo<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You&#8217;ve decided to take the plunge and get a personal loan. It all sounds so simple &#8212; but the sheer volume of personal loan options and lenders to choose from can be overwhelming. With that in mind, here is a handy guide of five simple tips designed to help you choose a responsible lender: Take [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":52275,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[454,458],"tags":[],"class_list":{"0":"post-52971","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banking","8":"category-credit-debt","9":"pmpro-has-access","10":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Choose a Responsible Lender<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id52971-how-to-choose-a-responsible-lender.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Choose a Responsible Lender\" \/>\n<meta property=\"og:description\" content=\"You&#8217;ve decided to take the plunge and get a personal loan. It all sounds so simple &#8212; but the sheer volume of personal loan options and lenders to choose from can be overwhelming. With that in mind, here is a handy guide of five simple tips designed to help you choose a responsible lender: Take [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id52971-how-to-choose-a-responsible-lender.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-22T12:15:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-15T17:11:03+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2018\/12\/man-with-computer.png\" \/>\n\t<meta property=\"og:image:width\" content=\"916\" \/>\n\t<meta property=\"og:image:height\" content=\"612\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Enero Febrero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Enero Febrero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id52971-how-to-choose-a-responsible-lender.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id52971-how-to-choose-a-responsible-lender.html\"},\"author\":{\"name\":\"Enero Febrero\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/01a0fbd0b10658882ab241aec76fb8e7\"},\"headline\":\"How to Choose a Responsible Lender\",\"datePublished\":\"2019-01-22T12:15:51+00:00\",\"dateModified\":\"2024-12-15T17:11:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id52971-how-to-choose-a-responsible-lender.html\"},\"wordCount\":504,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id52971-how-to-choose-a-responsible-lender.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/man-with-computer.png\",\"articleSection\":[\"Banking\",\"Credit &amp; 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