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FAQ
What is a loan?
A loan is a deal between two parties when one of them provides money to another one and sets conditions for payments and interest rates. In addition to a sum of money, a borrower needs to pay back extra costs calculated with interest rate. Moreover, there are different types of loans with various conditions about collateral and terms of payments. Usually, a borrower receives all money at the same time and pays it back during a fixed period.
What is the principal in a loan?
The principal is the sum that is given to a borrower after the loan is approved by the bank's employees. For instance, you might borrow a sum that equals 10,000 dollars, but after that, you will need to pay the interest rate as well. Moreover, there will be a breakdown of the whole sum for several months. Therefore you will have to return a different sum. Interest and additional expenses are not included in the term we are talking about. In this case, the principal is considered to be exactly 10,000 dollars (the sum that you have requested and the bank's employees have approved you).
How to calculate a personal loan interest?
Like any other loan type, a personal loan also comes with interest. There is a formula that will let you find out the size of your loan's interest. The equation is pretty straightforward: P x Ir x T = I. Here, P is your loan’s actual size; Ir is the interest rate; T is the number of payment periods needed to fully return the debt.
What is a payday lender?
A payday lender is a financial organization, the main aim of which is to provide customers with payday loans with very high costs and interest rates. The main long-term aim of such organizations is to trap persons into the debt circle where a person has to take new debt to pay off the previous one. Nowadays, many states in the country adopt laws to restrict the possibilities of payday lenders.
How much down payment do i need for a conventional loan?
The size of down payment varies across the banks and states. There is a minimum value for a downpayment — 3%. However, the bank will offer you a size of down payment based on your financial situation, credit score, and ratios. Also, the smaller is the size of a down payment, and the stricter are requirements for paperwork and confirmation processes. For example, you will need to present insurance if you want to obtain a mortgage with a 5% downpayment.
How to calculate monthly payments for a loan?
You can calculate your monthly mortgage payment in several steps. First, you should start by determining your mortgage principle. Then, you should calculate your interest rate. The third step is calculating the number of payments for the entire mortgage period. When you do this, then you can proceed with calculating by using this formula: M = P ( i(1 + i) n ) / ( (1 + i) n – 1). Here, P is the loan amount; i is the interest rate; n is the total number of months the loan program.
What is a payday loan?
We can describe a payday loan as a costly loan issued for a very short period of time with very, extremely high rates of interest. The principal of such a loan is usually some percentage of the next paycheck which the borrower is expected to receive. Moreover, in most cases due date of this loan is also the day of the next paycheck. Paycheck loans are also unsecured because they do not require any collateral. Some people consider payday loans as predatory because the interest rate is high, and the agreement usually has a lot of hidden fees that the borrower is expected to pay, so it is better to be very careful with such types of loans.
What is a subprime loan?
Usually, most people want to receive the better loan possible, which is usually prime rate loans; they are preferred by the people because they have better interest rates as well as other conditions. However, due to multiple reasons, such as bad credit history or low-income level, some people can not be qualified for prime-rate loans. So, to this type of people, lenders can offer so-called subprime loans. The main difference between prime-rate and subprime rate loans is the interest rate. Nowadays, banks in the US set the interest rate for clients with good credit history on the rate that is close to the US federal funds rate, which now is about 4%, but for subprime rate loans, banks charge much more because they are afraid of default.
What is a lender credit?
Lender credit is an additional loan to your mortgage or another type of credit line that helps to obtain a budget for closing costs. It means that the size of your final payment decreases, but regular payments can increase. So, a financial organization calculates closing costs and estimates the appropriate sum of money for lender credit in your case. Then they add interest rate to the original one to cover a lender credit.
What is a predatory lender?
Predatory lending can be described as an unfair practice of money lending, which usually puts a borrower into a so-called debt circle, a position where the borrower becomes extremely dependant on the lander and takes one debt to pay for a previous one, frequently each new debt comes with the lower credit rate of the borrower, which means that each new debt has a higher interest rate. In general, this unfair, predatory lending practice consists of high hidden fees, high interest rates, and terms that usually make returning the credit extremely hard. Most of the time, these practices are used by so-called payday loans agencies.
What is a consolidation loan?
A consolidation loan is a loan that can be described as a loan that a person takes to pay off another debt or some liabilities. Usually, a consolidated loan offers a possibility for a borrower to pay off his or her debts with lower interest rates and fees than in case if it would be done with paying off all small loans one after another. Such a loan is a very good way to get out from the debt circle to which a person can get by abusing credit cards or payday loans. A consolidation loan can be secured and unsecured.
What is a loan disclosure?
A loan disclosure is a special form that you must receive from your bank. This document contains complete and detailed information about the monthly amount to pay, the interest rate, all fees that are charged to you as a borrower, and other conditions for repaying the sum that has been borrowed by you. This form is issued no later than three days before your last payment, with which you will close the loan. You should make yourself acquainted with the data provided in the form and compare it with your actual contributions and payment of fees. If there are any questions, it will be possible to ask the bank's employees.
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Customers reviews
Vida Stamp
5-Star service
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Trustable service to find a lender
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Trouble-free platform
Zangocash doesn’t bother you with long registration procedures and other requirements common for these types of services. I just entered the website, filled in some personal info, and started to use it. My request was processed fast and I received recommendations about lenders almost at the same moment. I am happy that I have found Zangocash.
Eric Barton
Possibility to get big loans
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Jonathan Baily
Best client service
I got in an accident and needed money immediately. I didn’t know much about how these loan systems work, but lovely workers explained everything in detail and helped me to choose the best creditor. I will most definitely use the Zangocash service again because they make the process quicker and easier.
Jenny Davids
A lot of creditors to choose from
I wanted to buy a new car, and I needed a lot of money quickly. I wasn’t sure if banks would approve of such a big loan, but Zangocash dealt with everything, and I got my money quickly. I didn’t even have to worry about everything. Now that I know about this amazing service, I will definitely use it more often.
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Quick help in urgent situations
My landowner unexpectedly increased the price of the apartment I rent. I had some money on me, but I needed more. Luckily I found Zangocah with the help of my friends. I was surprised by how quickly they found a good creditor and how easy the process was for me. So glad I discovered them, I will definitely use their services more in the future!
Rachel Merton
A variety that is hard to find
The new iPhone 13 was released quite recently, and my wife really needed to upgrade her smartphone because most of her work is connected with using one. So we decided to take a loan to cover the cost, and Zangocash provided us with such a variety of possible creditors that not finding one wasn’t a choice! Highly recommend these guys!
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Fast processing of applications
I happened to ask for help from the company Zangocash. Honestly, such a high-quality and responsible approach to solving customer problems is rare! Firstly, the employees quickly processed my application and responded to it. Secondly, I was offered a choice of several variants of creditors. I chose the best offer. I will ask for help from Zangocash in the future.
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Zangocash helped solve the financial problem
I didn't know who to turn to, and I didn't have time to look for creditors at all. I came across the online service Zangocash, applied, and the company's employees quickly contacted me. They didn't just help me solve my financial problems. The company Zangocash helped me solve them most effectively, and I even saved money. Perfect!
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Easy way to find money in critical financial situation
The pandemic caused financial problems in my family, and it was impossible to find money fast. I was trying to search for loans on the websites of different banks, but it was unsuccessful. Fortunately, I found the Zangocash website. It helped me to find a suitable loan program easily.
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Convenient to use website
When I visited the Zangocash website, I was surprised by its convenient design. The search field and window for requests are easy to fill out. Besides, they create a list of recommendations fast, and all of the offers match the criteria you enter.
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Good comparison
Some time ago, I decided to take a payday loan for some small renovation of the house, but all loan services that I could find in my area proposed unbearable rates. One day a friend advised me to use Zangocash, and I was not disappointed; they compared all services, and I was able to find decent rates.
Mindy Finch
Huge choice of banks and creditors
I wanted to find a place where I could look at all possible banks that I could loan money from. Zangocash offered the best creditors quickly and explained every step of the process. Everything was so easy for me, and I didn’t even know loaning money could be this comfortable. I use the services of the company regularly, and I couldn’t be happier.
Beata Richards
Trusted company
I have used Zangocash’s service multiple times, and every experience was great. They respond quickly, and I receive money the same day I apply. I’m glad I found this company, they have helped me a lot.
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On the Internet, you may find many different online platforms offering their loan services. Fortunately, my father advised me to use the Zangocash web service, as the company suggests the best conditions and solutions. This service is easy to use and customer-oriented. Perfect!
Eleen Alfano
Real savior in a complicated situation
I couldn’t find money to pay for bills because I lost my job during the pandemic and my credit score is low. I found the Zangocash website and made a request with my requirements for a loan. They found a suitable option for me and it saved my life that time.
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Quick loan approval
It's not the first time I have used the services of a lender aggregator, but the Zangocash service is one of the best! This company provides an opportunity to find the best solution in a difficult moment. I have quickly approved a loan, and I received a substantial amount of money.

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