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2. Loan agreement - Wikipedia

   en.wikipedia.org/wiki/Loan_agreement

   Loan agreements are documented via their commitment letters, agreements that reflect the understandings reached between the involved parties, a promissory note, and a collateral agreement (such as a mortgage or a personal guarantee). Loan agreements offered by regulated banks are different from those that are offered by finance companies in ...

3. Payday loans in the United States - Wikipedia

   en.wikipedia.org/wiki/Payday_loans_in_the_United...

   The federal government regulates payday loans because of: (a) significantly higher rates of bankruptcy amongst those who use loans (due to interest rates as high as 1000%); (b) unfair and illegal debt collection practices; and (c) loans with automatic rollovers which further increase debt owed to lenders.

4. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   Debt settlement (also called debt reduction, debt negotiation or debt resolution) is a settlement negotiated with a debtor's unsecured creditor. Commonly, creditors agree to forgive a large part of the debt: perhaps around half, though results can vary widely.

5. Emergency and payday loan alternatives - AOL

   www.aol.com/finance/emergency-payday-loan...

   For example, the average personal loan rate, as of February 2023, comes out to 12.10 percent, while the average payday loan reaches three-digit interest rates. Plus, you’ll be hit with even more ...

6. Emergency and payday loan alternatives that could save ... - AOL

   www.aol.com/finance/emergency-payday-loan...

   There are safer alternatives to payday loans, such as getting help from nonprofits and charities, negotiating payment plans or extensions with lenders and taking out personal loans or 0% APR ...

7. Student Loan Dispute Letter Samples You Can Use to Protect ...

   www.aol.com/student-loan-dispute-letter-samples...

   A student loan dispute letter from the CFPB and FTC can get you the help you need. Customize these templates and then send them out to request information, make changes to your account or enforce ...

8. Payday loan - Wikipedia

   en.wikipedia.org/wiki/Payday_loan

   This is an accepted version of this page This is the latest accepted revision, reviewed on 17 January 2025. Short-term unsecured loan A shop window in Falls Church, Virginia, advertising payday loans. A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a short-term unsecured loan, often characterized by high interest ...

9. Hard money lending: Guide to hard money loans and lenders - AOL

   www.aol.com/finance/hard-money-lending-guide...

   Shorter loan terms: Hard money loan terms typically range from a few months to a few years. Different rules: Hard money lenders are free to set their own requirements on things like credit scores ...