The application process is secure and confidential, the borrower's personal information is protected by an encryption process to ensure a safe and a secure experience.Best of all, less-than-perfect credit need not prevent people from being accepted and getting the cash they need. Many people with a strong, steady, cash-flow are turning to personal loans, willing to pay a higher interest rate for the convenience and access to money when and how they need it. The official website where you can apply for a personal loan, has customized its services to meet consumer demand and the repayment terms and program terms have grown more flexible and creative, to the benefit of the borrower. With the U.S. money rates are still holding at historic lows, according to the Wall Street Journal, we remain in a time where it is cheap to borrow. According to the company, the interest rates are higher than what can be found in a mortgage or financing based on good scores, but when dealing with small amounts, the increases have less impact on overall borrowing costs and make the easy lending options very attractive. "These programs aren't the rigid, expensive advance money of years past. Lending has evolved and is passing on the convenience and benefits the internet offers to the consumer," stated Mr. Pryor, adding, "Why should a hard working family, who rarely if ever missed their bill payments, but suffered a foreclosure related to the housing crisis, be viewed as a high risk for borrowing?" The money does not require security for approval, though real estate or other assets can be used in some circumstances to further reduce the interest rate charged. The personal loans are being offered unsecured and it is ultimately up to the borrower as to how they want to spend it.