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Online Loans – What To Watch Out For
from:Online loans have become increasingly popular as an easy, uncomplicated and relatively straight forward way to apply for a loan from any number of financial institutes and lenders, all from the comfort of your own home. Online loans can be directly between one borrower and one lender, which are typically applied for right on the financial companies website through a secured server. There are also online loan companies that basically take your information and then offer your loan to tens or possible hundreds of different lenders that can then make an offer of a loan or pass on the loan. The company you applied to then selections the top five or ten online loans, passes on the information to you and you then select which loan you choose. These companies basically act as loan brokers, getting a small percentage of the total amount of the loan which is paid by the loan company to the broker. Of course, you actually pay this in your fees and interest, but you are not told of this when you apply.
It is important when applying for online loans that you understand some basic security issues and that you ensure that you are using only "real" lender websites. Some of the common things to watch out for during online applications are:
• Online loans that require an advanced payment or fee for processing. Often these types of loans will offer a guaranteed acceptance or guaranteed approval, however they will require a one time processing fee of some amount of money, usually over $100.00. After you pay the "processing" or "advanced" fee, you will typically receive an email indicating you have been approved and will be receiving an email notice in a few days. You won't receive the email, the company will not respond to your increasing number of emails and you will typically find that the phone number or address of the so called lender is not valid.
• Watch out for online loans that are not affiliated with a real, physical bank or lending institute but that want information such as your social security number, credit card numbers, bank account numbers or other sensitive personal information. Sometimes this is not on the first part of the application, however you will receive a notice saying that your loan cannot be processed without the information. Once you supply this sensitive information the "loaner" fails to make any contact and you may find that your private information is sold to other companies and you may run the risk of identity theft.
• Be cautious that you are really on the lending or online loans website you think you are on. Don't go to these sites from links provided in your email, actually type the name into the browser yourself. Often scammers use URLs and names that are very close to actual financial institutes and make links that are so similar that it is very easy to mistakenly give out information, passwords or other sensitive information, leaving yourself open to identity theft.
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