Financial – Piazza Carlo Giuliani http://piazzacarlogiuliani.org/ Wed, 04 May 2022 13:01:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://piazzacarlogiuliani.org/wp-content/uploads/2021/03/cropped-icon-1-32x32.png Financial – Piazza Carlo Giuliani http://piazzacarlogiuliani.org/ 32 32 NFT-centric DeFi platform, Drops DAO launches mainnet https://piazzacarlogiuliani.org/nft-centric-defi-platform-drops-dao-launches-mainnet/ Wed, 04 May 2022 13:01:13 +0000 https://piazzacarlogiuliani.org/nft-centric-defi-platform-drops-dao-launches-mainnet/

Drops DAO, the NFT-centric DeFi and DAO platform has launched its mainnet. A live network is now in place for Drops, which means that all users and community members can interact with all of its offerings in real time. As a result, users will also be able to access capital without the need for intermediaries. Because of this, the platform’s DeFi protocols will receive much more widespread attention.

Additionally, Drops’ lending features now allow users to use their NFT assets as collateral to get quick loans. Additionally, it accepts whitelisted NFT collections as collateral in an isolated lending pool that accepts a variety of tokens. Since isolated loan pools allow a 60% collateral rate, Drops DAO stands out from other loan options. The reduced protocol risk and high level of scalability allow for a higher collateral ratio.

Drops allows you to add any type of collection to your account without exposing your lender to additional risk. Moreover, these loan pools allow any NFT collection to obtain greater utility and liquidity. As a result, secondary market users are under less pressure to sell. Collection liquidity is a plus for lenders, with utilization and higher interest rates offered for riskier collections.

Drops Founder Darius Kozlovskis said, “After major changes in the market and a tireless year of research and development, we have finally arrived at what may become a new financial primitive for NFTs. We’re at the dawn of metaverse finance and we’re really excited to be a part of it.

About DAO Drops

Drops DAO is a DeFi platform that offers loans for NFT and DeFi assets. Collectibles, metaverse assets, and financial NFTs are all acceptable collateral on Drops’ loan pools. Additionally, Drops DAO users can receive loans and earn additional income using their unused NFTs and DeFi tokens. Besides Bitscale Capital and AU21, Axia8 Ventures and Bitscale Capital are among the largest institutional backers of Drops DAO. NFT whale 0xb1 Cooper Turley Marc Weinstein Joseph Delong and Quantstamp CEO Richard Ma are among the angel investors.

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San Diego’s Top Mortgage Brokers Now Offer Fast Loans https://piazzacarlogiuliani.org/san-diegos-top-mortgage-brokers-now-offer-fast-loans/ Mon, 18 Apr 2022 23:37:00 +0000 https://piazzacarlogiuliani.org/san-diegos-top-mortgage-brokers-now-offer-fast-loans/

“San Diego Mortgage Brokers”

Meet Equis Mortgage Group and San Diego mortgage brokers offering fast home loan approvals and today’s low rates.

We have been looking for San Diego Mortgage Brokers who offer fast home loan approvals coupled with great terms and today’s low rates, and we came across Equis Mortgage Group, LLC and San Diego mortgage broker, David LePari.

As a professional mortgage broker, Mr. LePari originates, negotiates and processes residential mortgage loans on behalf of the client. Below is a six-point guide to what services to offer and what to expect from a qualified mortgage broker representing a new local San Diego mortgage company:

1. PROVIDES ACCESS TO MOST HOME LOAN PRODUCTS

This includes the most common types of mortgages such as Conventional, FHA, Jumbo, VA, Reverse, and Refinance, as well as other eligible and non-eligible loan products listed under Additional Loan Types on their website. .

2. FIND THE MOST ADVANTAGEOUS OFFER FOR THE CUSTOMER

Solid and reputable San Diego Mortgage Brokers represent its own interests rather than the interests of a credit institution.

They must act not only as agents, but as competent consultants and problem solvers.

Having access to a wide range of mortgage products, Mr. LePari is able to offer someone the greatest value in terms of interest rates, repayment amounts and loan products.

The best mortgage brokers will go through interviews to identify their short- and long-term needs and goals.

Many situations require more than just using a 30-year, 15-year, or adjustable rate (ARM) mortgage, so innovative mortgage strategies and sophisticated solutions are the benefits of working with an experienced mortgage broker and M David LePari made this profile on the spot.

3. HAS THE FLEXIBILITY AND EXPERTISE TO MEET ITS NEEDS

When we do Equis Mortgage Group their new San Diego Mortgage Company, you can expect a broker to guide the client through any situation, manage the process, and smooth out roadblocks along the way. For example, if borrowers have credit issues, the broker will know which lenders offer the best products to meet their needs.

Borrowers who find they need larger loans than their bank has approved also benefit from a broker’s knowledge and ability to successfully secure financing, for almost any home type and circumstance.

4. SAVE ONCE

With Equis as his San Diego Mortgage Broker, all it takes is one application, rather than filling out forms for each individual lender. Mr. LePari and his team can provide a formal comparison of all recommended loans, guiding you to information that accurately outlines cost differences, with current rates, points and closing costs for each loan reflected.

5. SAVE MONEY WITH NO HIDDEN COSTS

A reputable mortgage broker will disclose how they are paid for their services, along with details of the total loan costs.

6. PROVIDES PERSONALIZED SERVICE AND ADVICE

Personalized service is the differentiating factor when selecting a mortgage broker like Mr. David LePari and his team.

One should expect his mortgage brokers in San Diego to help smooth the way, be available to meet his needs, and advise him through the closing process.

We checked the qualifications, experience and GMB reviews of these San Diego Mortgage Brokersand asked for referrals, in the end we found a friendly broker and quick action team who will match one to the right lender and loan with the best terms, and today’s low rates so the one can successfully and quickly get approved for a home purchase or mortgage refinance.

Equis Mortgage Group, LLC NMLS #2009443 / DRE #01438695

David LePari, Broker NMLS #2027739

Media Contact
Company Name: Equis Mortgage Group, LLC
Contact person: David Leparis
E-mail: Send an email
Call: (619) 368-0941
Address:11440 BERNARDO COURT WEST, SUITE 300
City: San Diego
State: California
Country: United States
Website: equismortgagegroup.com/

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Quick loans for bad credit | Loans without credit check online | Same Day Loans No Credit Check | Guaranteed Approval of Bad Credit Loans From Direct Lender | Easy Approval Loans https://piazzacarlogiuliani.org/quick-loans-for-bad-credit-loans-without-credit-check-online-same-day-loans-no-credit-check-guaranteed-approval-of-bad-credit-loans-from-direct-lender-easy-approval-loans/ Mon, 18 Apr 2022 08:30:00 +0000 https://piazzacarlogiuliani.org/quick-loans-for-bad-credit-loans-without-credit-check-online-same-day-loans-no-credit-check-guaranteed-approval-of-bad-credit-loans-from-direct-lender-easy-approval-loans/

A bad credit history can prevent you from many things, including access to payday loans. However, the good news is that a bad credit history doesn’t have to stop you from getting the financing you want. Today, there are many direct lenders for bad credit loans who will grant these loans without a mandatory credit check. We’ve researched and compiled a list of the top five that stand out from the rest.

Top online bad credit loans:

Here is our list of the best bad credit loan providers. We have described their important features and what you should expect from them. This will help you choose the loan provider that suits your needs.

  1. MoneyMutual – Quick loans for bad credit

  2. joy of funds – Loans without online credit check

  3. Loans for bad credit – Same day loans without credit check

  4. CashUSA – Guaranteed approval of bad credit loans from the direct lender

  5. Personal loans – Loans with easy approval

Money Mutual. Known as one of the most popular loan providers in the United States, Money Mutual is a top choice for bad loans. It is convenient for anyone with a bad credit history who is looking to get loans with guaranteed approval and no credit check. Therefore, this free service is highly recommended for genuine lenders and borrowers to meet and freely discuss terms regardless of their credit rating. Customers agree that Money Mutual has an easy-to-use interface that makes it easy to connect with online lenders. They also claim to receive their funds quickly compared to other similar services.

Main characteristics

  • Connect potential lenders and potential borrowers

  • Secured Loan Approval

  • Minimal credit checks

  • Complete an online form during the application process

  • Short-term finance loans up to $5,000

What we like

  • Ranked among the best lending platforms

  • People with bad credit can easily get loans

  • Experienced company

  • This will take only few minutes

What we don’t like

=> Visit the official MoneyMutual website now!

Having established a reputation as one of the most trusted lenders in the United States, it’s no surprise that joy of funds continues to grow in popularity. They are further distinguished by their fast application process, which ensures that borrowers can access the funds they need in a short time. It only takes a few minutes to complete the online form and approval is almost always guaranteed.

Main characteristics

  • The smart online form with electronic signature capabilities

  • Loan approval on funds up to $5,000

  • It only takes a few minutes to complete the online form

  • Funds can be deposited into the borrower’s account in as little as 24 hours

What we like

  • Automated system for transparent use

  • The online form can be completed on smartphones, tablets and laptops

  • Fast approval with electronic signatures

What we don’t like

=> Visit the official FundsJoy website now!

One of the best choices for anyone struggling with a bad credit history is Loans for bad credit . This 100% free service serves as a meeting point between borrowers and lenders. Through this, they can log in and lenders can approve loans without checking borrowers’ credit rating. Bad Credit Loans is famous for having lenders on the website who do not perform credit checks before approving loans. However, Bad Credit Loans does not interfere in any transaction but just provides the platform to facilitate the collection of loans without credit check. Customers agree that the website makes it easier and faster to approve loans.

Main characteristics

  • Mainly to give lenders and borrowers adequate information about their loan needs

  • Encryption technology to protect user information

  • 100% free service

  • Online form for borrowers to engage with lenders

What we like

  • Bad Credit Loans is free

  • Lenders and borrowers can easily connect

  • Flexible credit requirements

  • Users can compare interest rates from various lenders

What we don’t like

=> Visit BadCreditLoans official website now!

  • CashUSA – Guaranteed approval of bad credit loans from the direct lender

Whether you are looking to buy something new or just want to pay off a debt, CashUSA offers you many financing options to meet your immediate needs. It could be difficult for many people with bad credit history to get no credit check loans without going through hurdles. Instead, many lenders would not provide these payday loans at all. However, this is where CashUSA comes in. They offer loans for bad credit, which are sometimes much higher than the amount provided by other loan approval services. Customers love that CashUSA offers a transparent application process and they can receive huge payday loan amounts.

Main characteristics

  • Has an extensive network of partners and lenders

  • Adequate security of sensitive user information

  • Loans of up to $10,000 are available

  • Guaranteed approval with funds sent directly to the borrower’s bank account

  • Online application form to start the process

What we like

  • CashUSA is known for providing funds quickly

  • Higher loan amounts compared to other loan providers

  • Short and long term loans are readily available

  • Secure site

What we don’t like

=> Visit the official CashUSA website now!

Personal loans is an online loan provider service that stands out from lenders who offer low interest rates on loans with no credit check. To cater to its diverse customer base, two lender feeds are available on the Personal Loans website. One tier pays more attention to people with bad credit history and offers them payday loans with guaranteed approval. The other stream works for anyone with an established credit history. Whether you have good or bad credit, you will always find a suitable lender on this website. None of these streams have any hidden fees that might discourage borrowers. This is a flexible loan alternative for many people. Customers can attest to how easy it is to navigate the website and apply for bad credit loans.

Main characteristics

  • Access to loans of approximately $35,000

  • Available for users with good or bad credit

  • Many lending partners available in the United States

  • Ability to compare loan offers from different lenders

What we like

What we don’t like

=> Visit Official Personal Loans Website Now!

Conclusion: Who is the number 1 loan lender for bad credit?

Our first choice is MoneyMutual . This bad credit loan provider is one of the best in America because it provides accessible financial services, including car loans. You can count on their outstanding customer support and services with reasonable interest rates.

The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. accepts no responsibility for any loss or damage caused by the use of any product, and we do not endorse any product displayed on our Marketplace.

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Best Fast Loans Online | Top Guaranteed Approval Loans For Bad Credit | No Credit Check Loans Near Me | Guaranteed Approval Loans | Instant Payday Loans Online Guaranteed Approval https://piazzacarlogiuliani.org/best-fast-loans-online-top-guaranteed-approval-loans-for-bad-credit-no-credit-check-loans-near-me-guaranteed-approval-loans-instant-payday-loans-online-guaranteed-approval/ Thu, 14 Apr 2022 21:23:19 +0000 https://piazzacarlogiuliani.org/best-fast-loans-online-top-guaranteed-approval-loans-for-bad-credit-no-credit-check-loans-near-me-guaranteed-approval-loans-instant-payday-loans-online-guaranteed-approval/

you are looking for a loan for bad credit ? Living with bad credit in this world of increasing competition is not something to be ashamed of. However, if you think you might find yourself in this situation, it is your responsibility to find out about the financial options available beforehand. You must have enough information about financing options, lending platforms, types of loans, credit bureaus, negotiations with lenders, types of interest rates and much more.

This may take a long time to figure out, but don’t worry, we’re here to help! We’ve taken the initiative to educate you on some of the key aspects of online lending so that you don’t find yourself stuck in a tight spot. To start, we’ll discuss some of the best online lenders in America, so that whenever the need arises, you know who to turn to.

Online lending platforms are generally not direct lenders. They simply serve as a link between borrowers and lenders. These lenders must ensure that the borrowers have the ability to repay the loan on time. To do this, they analyze your credit score and credit history. So now the question arises, what if your credit score is too low? What if you don’t want to risk a tough credit check because it lowers your credit score? Do not worry! Several online lenders offer loans without a credit check. These loans are offered without a credit check, however, be prepared to provide some additional documents requested by the lender. Apart from all these benefits, the best thing about online loans is that these lenders can also help you improve your credit score. If you repay the loan installments on time, they report your performance to the credit bureaus, which increases your credit score.

Top 5 Bad Credit Lenders in America

With the growing demand for loans, there are now multiple platforms offering different types of loans with flexible terms. After extensive research, we’ve compiled a list of the top 5 no credit check loan providers in America. We’ll briefly discuss their key features, pros and cons, and a summary of the overall customer experience. So without further ado, let’s go!

  1. MoneyMutual : Best fast loans online

  2. FondsJoy : Best Guaranteed Approval Loans for Bad Credit

  3. BadCreditLoans : No Credit Check Loans Near Me

MoneyMutual : Best fast loans online

When it comes to the best online lender in America, MoneyMutual is the first name that comes to mind for anyone who has been in this industry for a while. They are consistently chosen as the best due to their excellent services over the past few years. They work tirelessly to make sure all of their customers get the deals they want.

One of the best things about MoneyMutual is that they don’t require a full credit check for all of their customers, which saves them a further drop in their credit score. In short, you can access a vast network of lenders, regardless of your credit score.

Many people complain about MoneyMutual if they don’t get a loan offer on their website. However, that shouldn’t be the case. Since MoneyMutual only acts as a link between borrowers and lenders, they have no authority over the loan offers you receive and the negotiations you make with the lender.

To briefly sum up, MoneyMutual has been tirelessly working in this industry for over a decade and has established a customer base of over 2 million people through their excellent services. So whatever your needs, choose MoneyMutual and receive the money within 24 hours.

Features

Some of the best features of MoneyMutual are:

  1. Instant application approval within 24 hours

  2. The maximum loan amount is $5,000

  3. Quick and short application process

  4. A full credit check is not required

  5. Extensive network of lenders

  6. Detailed information on each lender is freely available

Advantages

  1. Borrow a loan without a credit check

  2. Positive customer reviews

  3. One of the oldest lenders

  4. Money transferred is insured within 24 hours

  5. The application form only takes a few minutes to complete

The inconvenients

  1. Doesn’t work in some states like New York

Client experience

MoneyMutual is without a doubt the best loan provider in America. With their easy-to-use application interface and excellent customer services, borrowers leave with peace of mind and are sure to come back whenever the need arises. Some borrowers have even reported that MoneyMutual’s services are faster than other lending platforms.

=> Visit the official MoneyMutual website now!

FondsJoy : Best Guaranteed Approval Loans for Bad Credit

If you are looking for a fast and reliable lender, FondsJoy is your favorite place! With an application form that takes no more than 5 minutes to complete, they have ensured customer ease to a maximum level. So if you need an emergency loan and have a lot to do, fill out their quick application form and get your funds within 24 hours.

Features

The main features of FundsJoy are:

  1. Emergency loans up to $5,000

  2. Quick and easy application process

Advantages

  1. The application form can be filled on any gadget

  2. Fast loan approvals with electronic signature

  3. Advanced encryption technology to ensure data privacy

The inconvenients

  1. Not very popular compared to other platforms

Client experience

FundsJoy provides excellent lending services in America as evidenced by positive customer reviews. The main highlight feature is the fast application process which is not limited to certain gadgets. Once you choose an offer, it can be digitally signed and you can receive your funds within 24 hours.

=> Visit the official FundsJoy website now!

BadCreditLoans : No Credit Check Loans Near Me

BadCreditLoans is the best place to go for people with bad credit history. Regardless of your credit score, they connect you to a vast network of lenders at no cost. It’s completely free to submit as many applications as you want and negotiate with as many lenders as possible.

Our research concludes that BadCreditLoans allows you to take out a loan without a credit check. So if you’re worried about your credit score getting worse after a hard credit check, but need to take out an emergency loan, BadCreditLoans is here for you!

However, keep in mind that, like most online lenders, BadCreditLoans only acts as an intermediary and has no authority to determine which loan offers you will receive. All they can do is provide detailed information about each lender so you can choose what’s best for you. Therefore, do your research to find a suitable lender for your needs.

Features

The main features of BadCreditLoans that set them apart from the rest are:

  1. Free to apply

  2. No additional information is required to negotiate with lenders

  3. Enterprise standard encryption to protect user data

  4. Provide detailed information on the credibility of lenders

Advantages

  1. Credit requirements are flexible

  2. It is allowed to negotiate with more than one lender at a time

  3. Loan limits range from $500 to $5,000

  4. Several loan offers can be compared at the same time

  5. Free Services

The inconvenients

  1. If you have bad credit, you can only take out small loans

Client experience

BadCreditLoans has provided excellent loan services over the past few years. Their easy to use interface allows borrowers to submit an application without much effort. Above all, the ability to take out a loan without a credit history check makes it easier for people to take out loans without affecting their credit score.

=> Visit BadCreditLoans official website now!

Summary: What is the best loan for bad credit?

Congratulations on reaching the end of our detailed review on the Best loan for bad credit suppliers in America. We hope that after reading the article you got answers to some of your burning questions and now know who to turn to whenever you need an emergency loan.

If you are still thinking about the best loan provider, let us tell you that MoneyMutual is our best choice when it comes to loans without credit check. Their excellent customer service ensures that every borrower gets the best deal possible and no one leaves empty-handed. So whatever your emergency needs, visit the MoneyMutual website, submit a request and receive your emergency finds within 24 hours!

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5 businesses that are helping your neighborhood stores thrive in the digital age https://piazzacarlogiuliani.org/5-businesses-that-are-helping-your-neighborhood-stores-thrive-in-the-digital-age/ Thu, 14 Apr 2022 11:04:38 +0000 https://piazzacarlogiuliani.org/5-businesses-that-are-helping-your-neighborhood-stores-thrive-in-the-digital-age/
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5 businesses that are helping your neighborhood stores thrive in the digital age

Posted on April 14, 2022

We all have a little feeling attached to our local Kirana stores. The bond of trust we create with them goes a long way, and many of us have felt that these local Kirana stores have been there for us through thick and thin, and a clear example of this is the recent Covid 19 pandemic. local stores have been on the front lines throughout the pandemic. They served their customers despite the risk to themselves, their staff and their families. Local businesses continued to be the backbone of their neighborhoods, ensuring people received their necessities day in and day out.

In many ways, they were the unsung heroes of the pandemic. Their hyper-local setup made the difference by ensuring that Indian households never ran out of basic necessities. The same hyper-local reach is why small vendors, local Kirana stores and other local stores are a multi-billion dollar market in India. Consumers have shifted to digital shopping since the pandemic and as a result, local retailers are also migrating to digital to continue serving them.

Here we list the top 5 companies empowering local store owners and Kirana stores with new age tools to support their businesses in the digital age:

1. LocalLove: In a world where most e-commerce platforms are replacing local retail, LoveLocal is here to empower local businesses and level the playing field. groceries, pharmacy, fresh fruits and vegetables, dairy products, etc. – LoveLocal provides a comprehensive digitization platform for local retailers that brings their businesses online, manages end-to-end consumer service, markets and promotes them to new digital consumers, and provides actionable insights so that retailers can run their business more efficiently.

Launched in 2020 by Akanksha Hazari, LoveLocal has helped over 1 million retailers digitize their stores into over 700 PINs and increase their business by 70%.

For consumers, the app gives them access to features such as one-click repeat orders, trending products, top-rated stores, ordering from multiple stores in one checkout, and more. The app is a great channel for consumers to discover personalized offers and local deals created by retailers. Consumers can continue to enjoy free, fast delivery and the value and impeccable service of local retailers.

2. Payment: The digital payment revolution started a decade ago, and since then many traditional methods have changed or ceased. Recent events have realized the importance of digital payments and how much it is the need of the hour.

Paytm has become the most popular and convenient option for transacting or conducting business in India. The company offers local businesses several UPI solutions that allow merchants to collect payments directly from their bank accounts without having to enter online banking or card details. Additionally, businesses can accept online UPI payments from customers through Paytm UPI, BHIM, or any other UPI app.

Paytm was launched in August 2010 in Noida, Delhi NCR with an initial investment of US$2 million by its founder Vijay Shekhar Sharma. Paytm has helped small and medium business owners understand the benefits of digital payment and how it reduces their time and effort.

3. LendingKart: Small business owners and sellers are struggling financially and are always on the lookout for organizations or banks that can provide paperless and fast loans at very low interest rates. This is where LendingKart comes in. It simplifies and standardizes the financing of MSMEs. Lendingkart has offices in Ahmedabad, Bangalore, Mumbai, Delhi NCR and has service reach across India. Since its inception, Lendingkart Finance has assessed nearly half a million applications, disbursing over 1,00,000 loans to over 90,000 MSMEs in over 1,300 cities across India’s 29 states and union territories, which makes it the non-banking financial institution (NBFC) with the largest geographical footprint in the country.

Launched by Harshvardhan Lunia, who is the co-founder and managing director of the company, the NBFC provides unsecured short-term working capital loans to MSMEs with minimal paperwork within 72 hours. The size of the loan notes ranges from Rs 50,000 to 1 crore for a period of 1 to 36 months.

4. ShadowFax: The hyperlocal delivery space has seen a surge in the last 2 years since the start of the pandemic. Retailers and local businesses are seeing a drop in business as they were unable to deliver the services to consumers’ doorsteps. To solve this problem for small businesses, startups like ShadowFax have started providing logistics support to local vendors for last-mile delivery.

The Company’s Enterprise Logistics Gateway operates in a plug-and-play format and offers an on-demand delivery service platform to its customers. The technology enables customers to make fast, safe and reliable deliveries by instantly connecting them (businesses/e-merchants/retailers) to the company’s vast network of more than 50,000 delivery partners in more than 150 cities and villages in India.

5. KhataBook: Launched in January 2019, Khatabook develops utility solutions for the country’s 6.3 crore strong MSME sector. Their first offering – an Android app for businesses to digitally record the credit they extend to customers has gone viral, and so far Khatabook has been downloaded over 5 Crore+ times. At present, the company has over 10 million monthly active merchant users who manage over 344 million customers across India. As more companies embrace digital for business than ever before, Khatabook’s goal is to empower merchants by simplifying their business.

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Best Same Day Loans For Bad Credit | Best Same Day Loans No Credit Check | Bad Credit Loans Online | Quick loans for bad credit | Quick loans with bad credit https://piazzacarlogiuliani.org/best-same-day-loans-for-bad-credit-best-same-day-loans-no-credit-check-bad-credit-loans-online-quick-loans-for-bad-credit-quick-loans-with-bad-credit/ Fri, 08 Apr 2022 08:30:00 +0000 https://piazzacarlogiuliani.org/best-same-day-loans-for-bad-credit-best-same-day-loans-no-credit-check-bad-credit-loans-online-quick-loans-for-bad-credit-quick-loans-with-bad-credit/

If you ever need loans for bad credit , you should opt for one with a lower interest rate. Several lenders provide loans at different stages for bad credit with very different interest rates. When selecting a suitable lender, it is imperative to exercise extreme caution. On an emergency loan, the lender you select should consider giving you a low interest rate.

Whenever a lender decides to give you a loan for bad credit, they will often inspect your credit history to determine if it is good. They do it simply because they want to make sure that the person who receives bad loans repays honestly.

The company has now undergone a transformation. That is, there are many bad credit loan lenders on the web who will provide payday loans to people with limited creditworthiness. This is no longer relevant, it is to have flawless credit to acquire an emergency loan. You can take out a loan for bad credit, especially if you have a bad credit score.

These online lenders can help you get the bad credit loans you need and they can also give you a better overall credit score by submitting repayments on time. Regarding the selections of Credit Expert, we would like to reaffirm that all these organizations offering bad credit are sovereign, which allows them to be quite versatile.

In this article, we have not thoughtlessly scoured the web to include the most common and superb loans for bad credit. Therefore, we have only included reputable lenders who can offer reasonable interest rates on the bad credit loans they issue.

This is half due to the high rate of interest and maybe other expenses charged by these loan specialists on loans for bad credit. Additionally, individuals should be certain that all of these loan specialists are genuine and will not mislead you.

Therefore, let’s carefully consider all loans without a credit check with promising success on the Internet.

Top online bad credit loans:

Our top picks for bad credit loan dealers will now be covered in this section of the post. Whereupon, we will give a detailed understanding of what is expected from each of these loans for bad credit providers, we will review their features, pros, cons and consumer experience.

1. MoneyMutual : Best Bad Credit Loan Provider Overall

2. BadCreditLoans : Top Online Direct Lenders for Low or No Credit Score

4. CashUSA : Easy Approval for Quick Cash Advances

MoneyMutual is by far one of the largest and most honored bad credit loan providers in the country. It is gaining popularity as it often does not do thorough credit reports on borrowers for bad loans.

It really is a complementary network that connects low credit borrowers with reputable lending specialists and helps them secure bad credit loans despite their creditworthiness.

MoneyMutual is not a lender or a borrower; it only serves as a means for those parties involved to exchange loans for bad credit. Let’s say it’s an online store of bad credit loans rather than just commodities.

The organization has been in operation for more than a decade and has also served nearly two million Americans with bad loans, meeting their cash flow needs.

Features

Here are some of the defining elements of MoneyMutual:

  • The program that allows future borrowers to get in touch with potential credit specialists.
  • There are very few credit checks performed and loan acceptance is certain.
  • Customers must complete an online form once the finance has been cleared.
  • Provides short term financial loans for bad credit up to $5,000.
  • Lending specialists review information provided by users and determine if they intend to advance their goals.

Advantages

  • In the segment of loan companies with bad credit, they rank first.
  • Getting a payday loan with a low credit rating is very easy.
  • The company has a good reputation and a lot of expertise.
  • It only takes a few minutes to complete the final online form.
  • Within 24 hours you will collect the funds.

The inconvenients

  • In a few states, such as New York, it is not offered.

Client experience

Customers indeed recognize how transparent the facility is when using it and how relatively easy it is to contact loan specialists for bad loans on the online platform. Customers also report that this service allows them to get payday loans faster than other similar services.

With an acceptance rate of 100%, MoneyMutual is indeed the largest online loan provider without credit check.

⇒Visit MoneyMutual official website for more information

#3. Loans for bad credit : Top Online Direct Lenders for Poor or No Credit Check

Those with a low credit profile often turn to Loans for bad credit help. This online service connects problem loan lenders with applicants and allows them to approve loans, regardless of applicants’ credit scores.

We stress this point since customers have frequently acknowledged accepting payday loans on this service without requiring a credit check.

The lenders who issue loans for bad credit presented on this webpage are not under the authority of this company. Nevertheless, it presents you with all the details you will need to assess whether a specific bad credit loan partner is a perfect fit for your requirements.

Features

Here are some of the defining elements of Bad Credit Loans:

  • A service that connects lenders and borrowers while providing both parties with relevant data about the other.
  • The service uses strong encryption technologies to protect your personal data.
  • This service is completely free.
  • Applicants simply need to fill out an online form for loan specialists to assess whether or not to cooperate with them.

Advantages

  • The service is provided free of charge.
  • Borrowers can easily locate lenders.
  • The lenders on the platform have very lenient credit criteria.
  • You can borrow between $500 and $5,000
  • Allows you to compare and evaluate loan rates from multiple lenders.

The inconvenients

  • People with bad credit get smaller loans.

Client experience

Consumers tend to like how quickly it is possible to get bad credit loans on this webpage, as it only requires a few credit reports. Additionally, the fact that filling out the site form only involves a few minutes only adds to the ease with which most individuals find this program.

Some people may consider BadCreditLoans to be the best no credit check loan online with 100% approval.

⇒Visit Bad Credit Loans Official Website for more information

#4. CashUSA : Easy approval for a quick cash advance with direct approval

CashUSA offers customers a variety of financing solutions to meet their essential needs. For example, if you just want to pay off debt or buy new things, CashUSA can help you achieve your goals.

In addition, this website provides bad credit loans that are often twice as large as those issued by other lower quality loan guarantee authorization companies.

You will be able to analyze the lenders’ proposals according to your situation after completing the online program form. There is no need to worry if you do not receive a bad credit loan offer from a lender through the website.

As usual, other services such as credit repair and debt reduction can still be assessed. Assuming you receive an invitation for a loan for bad credit, you will be asked to provide additional details to the lender so that they can assess whether or not they wish to extend credit.

Features

Here are some of the defining elements of CashUSA:

  • Determines loan eligibility through an extensive network of lenders and affiliates.
  • To obtain a loan, consumers must complete an online form and provide additional information if necessary.
  • Your information is protected by appropriate company security measures.
  • Loans of up to $10,000 are available to clients.
  • After confirmed approval, finances are delivered immediately to consumers’ bank accounts.

Advantages

  • Getting funds is quick and easy.
  • The loan amounts are higher than those offered by comparable providers.
  • Customer information is kept private.
  • Long and short term funds are provided.

The inconvenients

  • Borrowers are sometimes asked to provide additional information.

Client experience

Customers praise the site’s user-friendly application process and the ease with which they can obtain huge loan amounts with bad credit. Customers also appreciate how adaptable the interest rates and repayment alternatives are on this service.

CashUSA is unquestionably among the best online loans no credit check with 100% approval. This is the right platform if you are looking for bad credit loans online.

⇒Visit the official CashUSA website for more information

Conclusion: Who is the number 1 loan lender for bad credit?

Now we are going to provide you with our rating and let you know which company in America offers the best loans for bad credit.

MoneyMutual is your best alternative if you are looking for no credit check loans with assured authorization.

The lenders we have talked about in this article are some of the best bad credit loan providers in the United States. For excellent customer service support, we recommend testing the services of MoneyMutual. Online loan specialists also provide access to a variety of additional financial products, such as credit card payments and car loans, in addition to bad credit loans. These websites help you analyze the interest rates of several bad credit loan specialists to select the most suitable option for you.

=> Apply for a payday loan for bad credit now!

The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. accepts no responsibility for any loss or damage caused by the use of any product, and we do not endorse any product displayed on our Marketplace.

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Ceteris Paribus: Considerations as Kenya Regulates Digital Lending https://piazzacarlogiuliani.org/ceteris-paribus-considerations-as-kenya-regulates-digital-lending/ Fri, 25 Mar 2022 08:00:11 +0000 https://piazzacarlogiuliani.org/ceteris-paribus-considerations-as-kenya-regulates-digital-lending/

EBEN MABUNDA
THE last five years have seen many mobile loan applications launched on the African continent, tapping into the growing demand for fast loans.

However, these start-ups operate in what appears to be an unregulated setup and the Kenyan government is among the first to apply some degree of regulation to digital lending.

The recent Kenya Digital Credit Provider Regulation Act 2022 states that:

“A person shall not establish or carry on a digital credit business in Kenya or otherwise hold themselves out as carrying on a digital credit business in Kenya unless that person is approved by the Bank in accordance with these Regulations, or is a person whose digital credit business is regulated by any other written law….a person wishing to engage in digital credit business in Kenya must apply to the Bank for a license.

The coming into force of the regulations in the matrix aims to curb some of the downward developments that have accompanied the proliferation of digital lending platforms.

‘TechCrunch’ noted that the lack of regulation meant that customer privacy was never guaranteed, as digital lenders arbitrarily shared user data with third parties.

In addition, customers who defaulted on their loans faced constant reminder calls from debt collectors, who also used shameful tactics like calling friends and family to compel defaulters to pay.

Although lending apps offer collateral-free loans, they do come at a premium, with some annualized interest rates as high as 876%, which requires some degree of oversight from regulators.

A recent report from Markets and Markets indicates that the global digital lending market is expected to grow from US$10.7 billion in 2021 to US$20.5 billion by 2026, at a compound annual growth rate ( CAGR) of 13.8. % over the forecast period.

This represents huge growth opportunities for trade, not only globally but also for Africa.

The projection relies on the explosive adoption of smartphones and the growth of digitization, the growing need for an improved customer experience, greater visibility and options for borrowers and lenders, a growing demand for digital lending platforms among MSMEs and an increase in digital lending in response to the pandemic.

The rapid emergence of various financial entities such as fintechs, neo-banks and challenger banks along with the widespread adoption of mobile money across the continent have proven to be vital aids in bridging the inclusion gap. finance in the Third World, with resounding progress being made on the African continent.

The trend is expected to continue with many start-ups competing to serve Africa’s unbanked population (around 40%). Notably, venture capital funding for African start-ups in 2021 increased 2.5 times to $5 billion from the 2020 result, with fintech dominating the matrix, gobbling up 62% of the result, pointed out. Briter Bridges Africa Investment Report 2021.

Africa still relies on legacy telecommunications infrastructure unable to deliver low latency, high capacity connectivity with poor internet speeds often affecting customer experience.

Since all the services offered by digital lending platforms are online, the slowness of the connection leads to a drop in the quality of service.

The lack of high-speed internet has made it very difficult to implement digital lending solutions. Not to be outsmarted, organizations across the continent are relying more on offline lending options as part of service delivery.

Beijing cracked down on the P2P industry in 2018, suspending licensing for new lenders. More recently, it has also hampered local fintech players such as Ant Group, a dominant force in consumer lending on the continent.

While some degree of regulation may be necessary in digital lending, for Africa’s very underbanked population, the degree of regulation may need to be moderate to enable the growth of SMEs on the continent.

  • Mabunda is an analyst and TV presenter at Equity Axis, a leading financial research firm in Zimbabwe. — ebenm@equityaxis.net

]]> Fake Facebook page sponsored by Zenith Bank offering loan asks for users’ account details https://piazzacarlogiuliani.org/fake-facebook-page-sponsored-by-zenith-bank-offering-loan-asks-for-users-account-details/ Mon, 21 Mar 2022 16:25:42 +0000 https://piazzacarlogiuliani.org/fake-facebook-page-sponsored-by-zenith-bank-offering-loan-asks-for-users-account-details/

  • A fake Zenith Bank Facebook page offers loans to the public and asks them to enter their debit card details to access the loan
  • Financial and tech experts have blamed the ad saying it is a phishing site created to scam the unsuspecting public
  • Zenith Bank said nothing about the announcement but a source said the announcement was not from the bank

A fake Facebook ad allegedly from one of Nigeria’s biggest banks, Zenith Bank, is making the rounds on the social networking site.

The fake Facebook page is asking the unsuspecting public to apply for loans ranging from one month to 12 months, an investigation by Legit.ng reveals.

False advertising Zenith Bank
Source: UGC

With watered down English, the phishing ad asks users to enter their ATM card and account details in order to access the loan.

What the fake ad says

Read also

Uzoma Dozie as the face of a new bank considered a bad decision

A statement from the page read:

“Zenith Bank is also one of the leading financial lending companies that offers fast loans to customers and non-bank customers with zenith without collateral or paperwork in Nigeria.”

The ad went on to say that this is one of the quick loans offered by Zenith Bank to “provide financial assistance to those who need it but are unable to obtain regular loans. for some reason,” the fake Facebook page said. .

What experts say about the announcement

Financial experts approached by Legit.ng to verify the authenticity of the ad said it was just a phishing ad aimed at defrauding the public.

Jonathan Igwe, a financial expert, told Legit.ng that the public should be wary of such an offer allegedly coming from Zenith Bank.

Read also

Wear your clothes my brother: Reactions as a man walks naked inside a bank and asks for his money in a stunning video

Igwe said:

“Look at the language the ad was written with. It is purely a fake Facebook page. A reputable bank like Zenith Bank will hire the services of good copywriters to clean up this pedestal language.

Justin Osarehmen said such banal language would not have come from Zenith Bank.

He said:

“Besides the language used, the bank will still publish this information through its apps and official website and will also broadcast jingles and advertisements on radio and television.”

There was no official statement from Zenith Bank, but a privileged source who spoke on condition of anonymity because she was not authorized told Legit.ng that the bank was not making the promoting its loans in this way.

The source said:

“The bank has several loan programs going, but not this one in particular. We don’t use that kind of font and language.

Chinmark investors cry as company fails to meet obligations

Read also

Nigerian Government to Regulate Online Lending Platforms, Says FCCPC

Legit.ng reported that investors at Chinmak Group, an investment company, shouted on social media that their investment was about to go up in flames as the company failed to meet its obligations.

Investors who took to social media said they were unhappy with the company’s silence on its failed plans to pay them their monthly returns as promised by the company.

The Punch reports that around 45,000 aggrieved investors slammed the group’s chairman, Marksman Ijiomah and the company’s social media influencer and brand ambassador, Amanda Chisom.

Source: Legit.ng

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How two men allegedly tricked investors with a story of rare wines https://piazzacarlogiuliani.org/how-two-men-allegedly-tricked-investors-with-a-story-of-rare-wines/ Wed, 09 Mar 2022 05:00:00 +0000 https://piazzacarlogiuliani.org/how-two-men-allegedly-tricked-investors-with-a-story-of-rare-wines/

The two Englishmen started showing up at investor conferences in 2015, armed with a tempting proposition. Participants could, through their London-based wine brokerage, Bordeaux Cellars, lend money to wealthy struggling borrowers who needed quick loans, no questions asked. Lenders would receive interest at the rate of 12%, paid quarterly.

Normally, such a high interest rate meant the loan would be risky. This is not the case, the two men asserted – these loans would be guaranteed by prestigious wines from the cellars of the borrowers, transferred in the name of the lender in air-conditioned and secure warehouses supervised by Bordeaux Cellars. And the loans would be capped at 35% of the market value of the wines.

“What happens in the event of default? asked Stephen Burton, the 57-year-old chef of Bordeaux Cellars, at a 2015 conference in Cancun. “We sell the wine, bearing in mind that you only loaned 35% of its value. It’s very easy to sell quite quickly.”

“A lot of clients are now cash-strapped real estate developers,” Burton partner James Wellesley, 55, said at a 2017 conference in Las Vegas. “We only lend against investment grade wine….We mainly deal in French wines, some of the best Californian wines [like] Howling eagle.”

A third team member, Lindsay Gundersen, told attendees at a conference in Las Vegas in 2018, “We charge the borrower 16%, so they pay all the administration costs…Insurance, air conditioning, etc., is the cost of the borrower, not the lender.”

The promise of 12% interest to the lender, free of charge, on a secured loan in an era of historically low interest rates seemed too good to be true. And it was.

Last week, Burton and Wellesley, CEO and CFO of Bordeaux Cellars respectively, were indicted by a grand jury in federal court in the District of Brooklyn for wire fraud and money laundering. In total, Burton and Wellesley are charged with inducing investors to “invest more than approximately $99.4 million in term loans allegedly brokered by Bordeaux Cellars,” the indictment states.

“Unlike the fine wine they claimed to have, the defendants’ repeated lies to investors have not aged well,” said Breon Peace, U.S. Attorney for the Eastern District of New York.

Burton and Wellesley (both used multiple aliases) had already been hit last year with a civil judgment from a London High Court involving the same scheme to scam at least 161 people. The men have been ordered to repay over £56million in losses by their clients.

The idea behind Bordeaux Cellars, Burton told CNBC business reporter Jane Wells in 2013, came to him while reading a Sunday time item. “There was a pawn shop here in London that had a warehouse full of Aston Martins and Ferraris. Literally people were just coming into that warehouse, handing them the keys for a cash loan. So I just put two and two together, and I thought, you know, we could do this with wine.”

The operation he created, in the tale Burton told Wells, quickly made 200 loans worth $30 million. Burton even claimed that a divorcing American dropped off two dozen cases of Screaming Eagle to get “quick cash.”

But Burton’s business plan is a puzzle. Why would someone wealthy enough to own two dozen cases of Screaming Eagle, Napa Valley’s most expensive cult Cabernet, put up their award-winning wine for a loan at 16% interest? Surely there were better options.

In fact, there were no such borrowers. As their business grew, Burton, now with partner and CFO Wellesley, focused entirely on finding lenders willing to pour in, falsely claiming they had borrowers in waiting, according to the indictment.

Additionally, these supposed borrowers were allowed to hide their identities behind individual corporate shells. Over 60 of these shells (the list begins with “Alsop” and “Apple Tree” LLC and ends with “Zermatt” and “Zug”) were registered in Belize but controlled from London by Burton. The reams of documents to be drafted for the loans, and to allegedly give the appearance of legitimacy, appear to have been drafted by hired lawyers.

According to the High Court complaint, some of the money allegedly lent was used in the Ponzi scheme to make interest and principal payments to the lenders. The rest was deposited in bank accounts linked to Burton and Wellesley, and was used to buy wine and “gold, other goods and services”.

Seemingly full of money, Burton has become well known in London wine circles. “Stephen has been around town for years opening crazy bottles,” said Alex Turnbull, then at wine company Justerini & Brooks and currently head of private clients at Jeroboams. wine spectator. “I once heard him say with great confidence that he had the largest collection of Penfolds Grange in the world. I told him that I knew people who also had large Grange collections and said: “Maybe you should meet them. He became a little suspicious. So I had my suspicions for a very long time, but working in the business I struggled to voice them or find someone to agree with me that it all sounded very suspicious.

In 2019, quarterly interest payments to Caves de Bordeaux lenders came to an abrupt halt. An American investor sought advice from JustAnswer, a British online legal service. “I invested in a company called Bordeaux Cellars in the UK,” the investor wrote. “In this investment, I am the lender of two loans and each loan is $100,000…. I am supposed to receive the interest payments quarterly and the last one was due March 12. I did not receive the payment and I have tried to contact the Caves de Bordeaux several times and there is no response to date.

“I undertook a little research,” replied JustAnswer’s lawyer. He had learned that the two loans had been made to limited liability companies called “Gstaad” and “Pemberley” Investments, both among 61 similar limited liability companies registered in Belize and listed in the civil complaint against Bordeaux Cellars before the High Court. Noting that Bordeaux Cellars “has no business history” and “has not submitted audited accounts”, the lawyer informs the borrower that he has little recourse to recover his funds.

Apparently neither the interrogating victim nor the lawyer knew that on Valentine’s Day 2019, Burton was arrested at a hotel in Kent, England. In his bedroom, police found two fake passports, expensive watches, precious metal bullion and South African and British currency worth a total of nearly £1million. Six months later, Burton pleaded guilty to possession of false passports and money laundering and was sentenced to four years in prison.

Wellesley was arrested on February 4 and is currently in prison in England. The U.S. Attorney for the Eastern District of New York is considering extradition. Wellesley has already been convicted and imprisoned twice for financial crimes.

But Burton is no longer in custody. In 2020, he was released early from prison, reportedly due to COVID-19 issues. His current whereabouts are unknown.


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What is a payday loan? https://piazzacarlogiuliani.org/what-is-a-payday-loan/ Fri, 25 Feb 2022 22:26:00 +0000 https://piazzacarlogiuliani.org/what-is-a-payday-loan/

payday ready are generally short-term unsecured loans characterized by high interest rates that generally do not require a credit check.

Although there is no exact and universal definition of the term, the US Consumer Financial Protection Bureau indicates that this type of loan is usually $500 or less and is usually due on the borrower’s next payday. States have different laws governing these types of fast loans, but they may be available to Americans through in-store payday lenders or in line, depending on location. The due date on payday loans is generally two to four weeks from the date of issuance, and lenders generally do not consider borrowers’ credit scores or their ability to meet other financial obligations when approving the loan.

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To secure a payday loan, payday lenders often require a personal check from the borrower for the loan amount, plus interest and fees, for a future deposit. They often require direct access to the borrower’s bank account.

Payday lenders hold the personal check until the borrower receives their next paycheck, direct deposit or social Security Payment. Depending on the terms of the loan and the laws of the state in question, some payday lenders offer long-term repayment plans that allow them to make multiple electronic withdrawals from the borrower’s bank account.

The average term for payday loans is about two weeks, and loans typically range between $50 and $1,000. In exchange for quick loans that don’t require a credit check, payday borrowers typically pay exorbitant interest rates and fees on their loans. Payday lenders often charge annual percentage ratesor APR, of 400% or more on their loans, plus finance charges of between $10 and $30 for every $100 borrowed.

The only requirements to qualify for most payday loans are an opening Bank account relatively good standing, a regular income and a source of identification.

Because little consideration is given to the financial condition or creditworthiness of borrowers, the CFPB has found that payday loans have a high default rate of around 20%. Additionally, approximately 80% of payday borrowers renew or re-borrow their loans within 30 days of their initial loan.

Qualified state borrowers can apply for a payday loan online from companies such as MoneyMutual, CashUSA.com, and BillsHappen. Many payday lenders also have thousands of physical stores in the United States.

In times of financial emergency or life or death situation, payday loans may be one of the only places Americans have bad credit can turn to temporary financial assistance. However, due to widespread deception and predatory behavior in the payday loan industry, the CFPB, Federal Trade Commission, and other federal and state regulators have repeatedly warned Americans of the dangers of payday lending. payday and imposed restrictions on the activities of payday lenders.

A 2016 five-year study by Pew Charitable Trusts found that 12 million Americans take out payday loans each year, and those borrowers collectively pay $9 billion a year in loan fees alone.

  • Speed. Payday loans are fast, and lenders often approve the same or next day.
  • Ease of use. It’s usually easy to get approved for a payday loan as long as the applicant has a stable source of income, a bank account in good standing, and proper identification. Borrowers can even get payday loan approval online. While some critics say payday loans are inherently predatory, there are laws in place to protect the rights of borrowers.
  • Availablity. Depending on the situation, payday loans may be one of the only viable sources of emergency cash for borrowers with bad credit.

  • High cost. Payday loans can come with annual interest rates of 400% or more, and finance charges can be 15% to 30% of the loan amount. These high interest rates stand out even more compared to the national average of around 16.17% credit card interest rate or the average interest rate of 4.25% over 30 years mortgage end of February 2022.
  • Debt cycle. Due to interest and fees, a payday loan can easily force the borrower to put off the majority of their next paycheck, creating an opportunity for borrowers to fall into a cycle of repeat loans.
  • Harassment. Payday lenders have a reputation for exploiting financially vulnerable borrowers and using aggressive and harassing collection practices.

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