Good day, colleagues.Many of you have heard about Loans in such offices as: Moneylion, Onemain Finance, Happy Money, Sofi, Upgrade, Credit Ninja and many other offices.
Almost all of them are fucked up and down, asking for a bunch of documents up to the color of the holder's underpants.
In this article, we will dive into the more private direction of personal loans.
When I received loans, I practically did not take screenshots, but still I will warm up your interest. Moreover, so that your lip does not roll out, I will immediately inform you that this is far from being a loot button.
Some of you may have tried to do something like this, but for one reason or another gave up.
And so, let's get started!
Work is being done with small banks, they are also credit unions - Credit Union.
Steps to prepare a fulllock before submitting applications to CU:
1. Fully with credit soon 800-850. The task is not easy, manually, these fulls are hard to assemble. Where you get them is up to you, but you can buy them for $5-8.
2. Rent a phone number for each full card for a month.
3. You need to add a number to your credit report. Again, you will have to resort to the help of services that deal with this. Price $30-70. If you have a way to add a number, it will be easier for you.
4. Break DL (preferably with MVR)
5. Break BG and CR
Having prepared the full documents, we proceed to the next stage, namely, to apply for a loan in CU.
1. The first thing we do is choose a bank. In fact, this direction implies constant tests, since it will not be such that one bank will allow you to get many loans. Therefore, we take all banks cu, in the state of KX, let's assume this is Alaska. You and I have 10 trained fulllocks, with a high cs.
We select banks and apply for a loan.
We are transferred to fill out the application, we try to fill it out as believable as possible, indicate the information from the BG and the KR. No need to try to take exorbitant amounts, given that each bank has its own limits, this can be found on the website. The adequate loan range is 5-25 k.
Payroll: full time person works 40 hours a week, 4 weeks, 12 months. It remains to find out the payment per hour. For example, $51.15 per hour, so 51.15*40*4*12 = $98,208 is the annual salary.
At the end of the application, depending on the bank, there may be BG questions, if you do not pass them, then your application will be canceled.
2. After sending the application, within 1-3 banking days, the support service that services your application will call you, he needs to ask questions and clarify the details. Therefore, you will need a dialer that does not drop the call at the first difficulty. Write down all the information and wait for them to call. If everything is successful, the call will answer your questions and SUPPORT will send your application to the underwriter for consideration. This person decides whether to issue a personal loan, since we have high cs fulls, there should be no problems. But each bank has its own rules, and even at 850 kopecks, you may be refused.
3. If your application was approved, you will receive a letter from the support, with further actions. You will be asked to send a photo of the DL front and back, paystubs and, depending on the bank, other documents. Now we need a smart renderer that will make high-quality docks and smart photos with metadata, which we will send in a return message, by mail, to our support. If we answer in English.
4. If your documents do not arouse suspicion, then you will be asked to apply for a membership in CU. The fact is that all applications are submitted through filling forms and it is necessary to replenish the balance. Sometimes there is no minimum balance and you can register without deposit. In most cases, a minimum deposit is required and, depending on the bank, $5-100.
5. Next, you apply for a membership, attach a drawn dl, go through the questions. If everything is done correctly, the docks are drawn perfectly, then you will be approved for membership, sent an account number and you will be enrolled.
6. After creating an account, you write to your support, send the account number, he will prepare the Loan documents for signing. You will receive a docusign letter, in order to open it you need to go through a difficult bg of 6 questions. If you mess up, you won't open the file. You will have to call the support and ask to send it again, at most they will send you 1 more time, if you can’t get through - declare and come to branch.
7. Correctly answer the questions, a docusign document will open, there is nothing complicated, put signatures. After that, within 24 hours, the Loan will be credited to your checking or saving account, depending on which accounts you have registered.
8. Loan is on your check, now you have to take him out. Tie up and deposit from your offices, register some investments and pull out the return line, or withdraw externally to the same name vcc.
IMPORTANT COMMENT:
This topic is not for everyone.
Here are some approximate costs:
1. Fully high cs 10 pieces ($50-80)
2. Rent a room for the state, for each full room ($ 200-300)
3. Break dl to each full ($100)
4. Add a number in CR, to those fullz where dl under the state ($ 200-300)
5. Drawings for dl, paystubs and so on ($200-300)
6. Ringing. On each full call, depending on situations, from 3 to 7 calls ($600-1000)
7. Replenishment of self-registration ba, when registering ($50-500). In some ba there is no minimum deposit and you can register without a deposit, but this is not always the case.
As we can see, the use of 10 fullz requires approximately $1500 - $2000.
And it is far from a fact that you will be able to issue, receive and withdraw a loan. And given that this can happen 2 or 3 times, you will only lose.
Believe me, this happens, so draw your own conclusions whether it is worth taking up this direction.
