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low-interest personal loan

Why you should get a low interest personal loan


Whether you are young or old, wealthy or poor, there is a strong chance you have needed a loan. With the job as well as housing market being so fragile in the past decade, millions of Americans have been struggling at some point in their lives and careers. We at 1 Call Loans understand this, and have been there to help every step of the way.

There should be no bad stigma attached to being in desperate need for money, and finding a solution to this need through an emergency personal loan. Due to so many people going through a similar situation, we have made sure it is fast and easy to fill out applications, and receive the help they need as soon as they need it.

Personal Unemployment Loans Info

One reason for getting a low-interest personal loan, is job loss. Lots of Americans have been suffering and are being laid off or completely let go from their jobs. That combined with the prices of everything steadily increasing with the times, it is incredibly difficult for these people to survive and support themselves or their families. Our job market may seem to be improving to those who simply look at the surface. However, looking deeper into it, the market has not been improving at all. The number of individuals signing up for unemployment benefits has been declining, but the number of individuals joining the workforce has not. This means that even though less are looking for unemployment benefits, they are still unemployed and struggling to make end’s meet.

Low interest personal loan guaranteed

Low interest personal loan – unemployment figures

Looking further into it, it is found that those who are unemployed for a longer period of time, is still at a high rate, and beginning a slight increase as well. So not only is the number of persons joining the workforce remaining fairly unchanged, but the number of those staying unemployed for longer amounts of time is increasing. This shows us that the job market is clearly not improving as greatly as advertised, and Americans are still struggling with finding employment, and keeping up.


Being aware of this, we at 1 Call Loans do our best to help you and other Americans that may be in this sort of situation. A situation where you have been unemployed for a long period of time, and unable to find a job that can support you and a family. We offer low interest, long term installment, and personal loans for those who are desperately looking for money and assistance. It can be incredibly difficult to know how to get a loan without a job and bad credit, and so we have made it easy for those searching for loans for people with no job.

Personal Student Loans

Another reason for having a desperate need of a loan, would be getting a college education. Americans owe over $1.4 trillion in student loan debt, and that is across approximately 44 million borrowers. The amount of student loan debt is $620 billion more than the total U.S. credit card debt. The average Class of 2016 student has $37,172 in debt, that’s a six percent increase from last year.


The common college student has no idea where to start when it comes to applying for a student loan with low-interest rates and long term installment plans. 1 Call Loans assists students of all types in their search for a good loan for their college education. We understand that time is of the essence when it comes to getting these student loans so you may register for classes and attend school. The application and approval process of our site is fast and easy so you can afford the education you deserve. Our direct lenders are there to assist you and ensure that you do not end up in a pile of debt such as those who are a part of the statistics mentioned above.


A lot of the lenders that college students go to, are heavily advertised by the colleges being attended, and are purely there for profit. We are not here to worsen your situation, but to better it the best way we can. Banks and school institutions try their hardest to rope in as many college students as possible because they know that most students are in a difficult situation, and are uninformed. We do not want to take advantage of your lack of information, instead we want to guide you and inform you every step of the way how we can help you.


Most students do not understand the importance of finding a trustworthy lender with low interest rates, and go with the easiest option or bank. However, Interest rates have been set based on the Treasury Department’s May 10 auction of 10-year notes. Now through these banks and profiting lenders, new loans disbursed from July 1, 2017, to June 30, 2018 are a 4.45 interest rate for undergraduates. This new interest rate is a large increase from the previous 3.76 percent interest rate.


1 Call Loans is known for its low-interest rates, and quality service to those looking for a low-interest fast loan. We do not believe in taking advantage of college students in need, and seek to help them instead.


Life Happens


The biggest reason for a loan, is that life simply happens. Whether that means that your car broke down and needs major repairs, or a storm wrecked your roof and you didn’t have insurance covering it. There is always the possibility of something happening, and causing serious financial strains to fix it. 1 Call Loans understand this, and that’s why we offer great lenders who can assist in finding the best loan solution for you.


Depending on what state you live in, it can be highly likely for your vehicle to break down, or deteriorate faster than other states. This can be due to the extreme heat warping metal and overheating your engine, or the extreme cold and ice that freeze fuel lines or cause crashes. It is incredibly unfortunate when the reason for your financial strain was the weather, and nothing can be done about it except repairs or a new vehicle. Purchasing repairs can be as costly and purchasing a used vehicle, and sometimes it makes more sense to simply buy a used vehicle. Either choice made, can cost thousands of dollars that most individuals do not have fast access to. Through 1 Call Loans, we can help make that money accessible and fast. Having a vehicle is an important part of keeping a job, so not having that vehicle makes it impossible to take care of every other aspect of your life. So when it comes to getting a loan to have transportation, we understand that time is of the essence during this process. Our application is quick and easy, and online! It is set up so that your wait time is minimal for completion, and you can be on track to receiving the loan as soon as you need it.


There are many reasons for getting a low-interest long term installment loan, and by getting yours through us here at 1 Call Loans you will get exactly that. We strive to provide excellent service, and the best loan options available to you so that you can get out of your bad situation fast, and not make it worse. So whether you’re going to college, buying a new car, or lost your job, come to 1 Call Loans and we will help you get a solution.