Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site. Repayment Terms. Loans include a minimum repayment plan of 2 months and a maximum repayment plan of 84 months. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site. Lender-approval and loan terms will vary based on credit determination and applicable state law - they may offer loans with fixed rates from 6 to 35 APR.
The lender's approval process may take longer due to additional documents being requested.
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It sits in personal cash loans borrowers bank account, where its totally accessible. So the lender has no assurance the borrower will keep the money to serve as a safety net (which is the intended purposes of cash reserves). More Prevalent in Wake of Housing Crash. Cash reserves are nothing new. Theyve been around as long as the lending industry itself. But two things have changed over the last few years. More lenders are requiring them today, and the amounts have gone up in many cases.
At the height of the housing bubble, few mortgage lenders required cash reserves. Back then they didnt require much more than a job, a pulse and a Social Security Number.