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FAQ
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.
How do i check my sba loan status?
SBA stands for Small Business Administration. This is an organization that operates within the United States to help smaller businesses. One of the latest SBA programs is PPP - a loan program that was designed to help smaller businesses keep on operating and paying their employees. If you deal with SBA - for instance, if you borrowed money as part Paycheck Protection Program - you can inquire in the SBA customer service on the status of your loan, etc. You can do that by emailing or phoning SBA. Use 1-800-659-2955 to get more information.
What are discount points on a loan?
Loan points that are often referred to as discount points, are types of payments that you give to your lender if you want to reduce your loan's interest rate. Technically, you buy these points - $1,000 each. That is why you may also hear someone calling this method "buying down the rate". With discount points, you have the chance to pay off less than you would without loan points.
How does a personal loan work?
When people need money to finance a wedding, a home renovation, a serious purchase that they cannot afford right away, or if there is some sort of emergency that requires a significant money investment, then people apply for a personal loan. A personal loan is usually not that massive as a mortgage, which is a more substantial sum of money that people borrow to purchase a house. Personal loans can be secured or unsecured. A secured loan requires collateral - something that a lender can use to compensate their loss if a borrower fails to pay off a debt. An unsecured loan requires no collateral.
What is a bridge loan?
Bridge loans are a specific type of loan that is usually given for an extremely limited period of time. The maximum term in many banks is only twelve months. Since the bank urgently issues a large amount of money for a short period, the interest rate is high. This loan is usually needed in cases where a borrower needs to get a source of money before they sell their property or receive income from a startup. Often people take out a loan to buy a new apartment or house before they find a buyer for the old housing.
What is an fha loan?
An FHA loan is a special type of loan that is issued under conditions established by the Federal Housing Administration. Thus, the FHA draws up a list of trusted banks that are authorized to issue this loan, approves the issuance of a loan to borrowers, and provides preferential conditions. This loan is needed by individuals whose income is below the established norm, so they are given the opportunity to take out a loan even though they cannot provide a big amount of money as the first payment. Also, borrowers are not required to provide proof of a high credit score.
What is an usda loan?
A USDA Loan is a type of mortgage loan provided by the U.S. Department of Agriculture and available for people who want to buy a house in a rural area and do not qualify under the conditions of the usual loan. So, if you want to live surrounded by cornfields, this loan can be just for you. Also, this home mortgage program has zero down mortgage payments. Moreover, the USDA loan can be applied not only for the buying of the old house but also for renovating an old one.
How much money can i afford in a loan?
There is no exact answer to this question as banks provide different conditions for various cases. They check your gross income and decide whether you can afford to pay off your credit line with this money. Usually, the banks agree to provide a loan for a sum equal to 28% of your gross income. There are alternatives when banks can give you bigger funds but with less profitable terms.
How to calculate a loan payment?
Calculating a loan payment isn't actually too hard. First of all, you should see what loan type you will be using. Knowing that will let you find out what your payment schedule will be. After that, it will be easier to find the method of calculating your monthly loan payments. The formula for calculating the loan payment looks like this: A = P (r (1+r)^n) / ( (1+r)^n -1 ). A is what you're trying to figure out - it's the total amount of payment; P is the total sum of money you're borrowing and have to return; r is your interest rate; n is the total number of payment periods (months).
How does a secured loan work?
A "secured loan" term is quite self-explanatory. This is a type of loan that is secured, which makes lenders investment protected. The principle is as follows: a borrower applies for a loan and then receives the money, but a lender asks for collateral to protect the investment. This may be something of value that a borrower will give to the lender as insurance. This way, if the borrower fails to return the money, the lender will keep collateral as compensation. With such a scheme, no additional legal repercussions against the borrower are needed.
What is 5/1 arm loan?
A 5/1 ARM loan is a special type of loan that can be used to pay off the mortgage. During five years, the bank that provides the loan has no right to change the conditions, in particular the interest rate. Of course, this detail is extremely positive for borrowers. Even after five years, there are some restrictions for banks. For instance, a lender is unable to change the terms of loan repayment more often than once a year. Preferential conditions are provided by the FHA. However, the interest rate still changes in accordance with current market conditions, so, as with other mortgage loans, it is difficult to predict how the interest rate will change.
What is an installment loan?
An installment loan can be a usual type of credit line when the lender gives the whole requested sum of money at one time to the borrower. The contract between lender and borrower determines all the conditions of a loan and especially the terms for payments, their size, and fixed interest rates. One of the advantages of an installment loan is that the borrower always knows the exact size of payment he or she needs to make. This value does not change in time, even when market interest rates fluctuate.
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Customers reviews
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.
Ophelia Sands
Fast work of customer support team
I filled in the form with my requirements for a loan on the Zangocash website. I didn’t expect to get results so fast. They provided me with a list of companies where I can get a loan with profitable conditions. I will definitely recommend this service to people who are searching for a loan.
Alanah Lyle
Help in finding the big sum of money
There was almost no chance for me to find the needed sum of money in a few days. All the banks offered high interest rates for such requests. Fortunately, Zangocash helped me to find a creditor that I couldn’t find by myself. I got money in several days without paying extra fees.
Driskoll Anthonyson
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I did a home renovation and didn’t have enough money to finish it. Luckily, Zangocash offered me various loans with good affordable rates with great conditions. I received the money, and the rate wasn’t even that high. I used Zangocash once again later, and now I have the home of my dreams!
Barney McGrath
Professional advice on financial issues
I was impressed by the well-coordinated work of the specialists of the Zangocash online service and their professionalism. Everything was at the highest level. I was helped to take out a loan on favorable terms, having learned my requests in advance. So, attention, individual approach to each client, and responsiveness are features that make this service the best.
Luke Richardson
Fast working guys!
I have recently decided to buy an apartment for myself, but a little bit of additional money was needed, so Zangocash was the first link that I found online. I did not regret working with them, as they provided me with a fast speed of approval and a great number of various offers. If some money is needed, go to Zangocash!
Maddie Blake
Good loan rates offer
I could not find good loan rates for a long time. Zangocash helped me to find a loan company with affordable rates, and I couldn’t be happier. They made everything seem so easy and quick. From now on, I will only use their service to deal with money matters.
Michael Hernandez
Easy comparison of several lenders
Zangocash user-friendly interface allowed me to compare several creditors on one website because of their big database of lenders. It saved a lot of time for me because I could spend the whole day visiting the websites of various banks. That’s why I can recommend Zangocash to all people who don’t have a ton of time for loan searching.
Christine Fierro
Trusted company with great service
Whenever I need money, I go nowhere else but to Zangocash. I’ve taken loans with their help multiple times now, and every time it was successful. Moreover, the workers here explain everything in detail, so you know you’re dealing with professionals. I’ve already recommended Zangocash to everyone in my family, and they are as happy with it as I am.
Kent Fletcher
The best way to find loans with low rates
A lot of organizations offer loans nowadays, and you need to spend hours to find the most beneficial one. Fortunately, there is such a service as Zangocash where I could compare loan conditions in different companies. In the end, I found the one with low rates and suitable requirements.
Dennis Moran
Easy platform to find a loan offer
It is hard to find a company that provides loans giving considerable amounts of money. This task seemed impossible for me until I found the Zangocash website. I made a request, and specialists offered me banks to obtain the needed money with the best terms and conditions of the loan programs.
Phoebe Palmer
Convenient application form
Not all online services have convenient application forms. But on the website of the Zangocash, you may immediately fill out the form and get an answer. Easy navigation on the site, all information is publicly available. The company Zangocash cares about customers. If you value your time and want to solve your problems, the Zangocash service is what you need.
Bayan Naquin
Fast and reliable service
I don’t like to waste time on the exploration of a thousand websites when I’m searching for lenders. The only service that can do all this work is Zangocash. Thanks to the huge database, they can recommend lenders in a few minutes based on my requirements. Important thing is that their recommendations are always trustworthy.
Tessa Sinclair
Possibility to get the large loan amount
I couldn’t find a loan service that would approve a loan for the big sum I needed. Zangocash offered me multiple choice of banks with the best terms, and I thought it was a miracle at first. My request was approved quickly, and I couldn’t be happier. Moreover, the process was not nerve-racking at all. Next time I need some money, I won’t even consider other options to find lenders, because Zangocah is the best!
Martin Milford
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!
Andre Hill
Helpful service for urgent cases
I needed to obtain a huge sum of money as soon as possible, but I did not know of any services to make this operation for me. Zangocash helped me to find the best company where I could borrow money. The conditions were beneficial for me, and I avoided paying high rates.
Mary Louise Morgan
Great service indeed
Zangocash helped me to find a loan with perfect conditions. The website is easy to use and understandable, and the support was ready to answer all my questions. If I ever need a loan again, I will use this one for sure. Thanks
Demarcus Johnson
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.
Brayan Ball
Good and trusted service
I’ve never used the services of payday loans before, and I didn’t know what company was good. I chose Zangocash because I saw that many people love them and use their help regularly. How happy I was when my request was accepted the same day despite the sum being quite big! I can trust the company now and will probably use their services more.
Wendy Atcheson
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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