We have helped thousands of individuals answer their financial questions rapidly and effortlessly. Find out about credit scoring, loan shopping, the refinancing procedure and more for your business or personal financing today by calling 1-800-MY-MONEY or reading below.

Loan Borrowers’ Frequently Asked Questions and Answers:

What is AmericanUnsecured.com and what should I expect?

is a free loan matching company. The mission for our representatives is to help you find the money you are looking for and other possible solutions that may be beneficial to you such as credit enhancement, debt settlement, or credit repair. We have explicit connections to various national lenders, and we understand their individual program requirements. We will help you save time and get the loan you need with less paperwork, less hassle, and lower interest rates. Subsequently, not only will we help you avoid programs you won't qualify for or that have hidden fees, we will also educate you on your options, so that you can make the best loan decision.

Date Updated: 02/15/2017

I have bad or fair credit, can you help me?

Contingent upon your credit score, we have many options available. Regardless of what your circumstance may be, we will suggest and guide your next step and work with you to accomplish your goal.

Date Updated: 02/15/2017

Do you have any loan programs for people with great or perfect credit?

Yes, and we have lenders searching for applicants with great credit and they are willing to lower their interest rates just to do business with you.

Date Updated: 02/15/2017

What if I don't qualify with the available loan programs?

Even if you don't qualify, our experts will diligently work to help you find a solution.

Date Updated: 02/15/2017

I live outside the U.S., can you help me?

Not right now, but please don’t hesitate and to apply with us today! We will still be able to send you information that might be useful to you regarding budgeting and financing.

Date Updated: 02/15/2017

How secure is your system?

is extremely important to us. We take every precaution to guard any personal information. We don't store social security numbers or dates of birth. Remember this because it's important. WE WILL NEVER ASK YOU FOR MONEY, EVER. This is important as there are many criminals out there and they like to take advantage of people when they are in need. We, on the other hand, are working for you and your financial success.

Date Updated: 02/15/2017

I don't have an email address, is that OK?

Our system and staff will require you to have an email address in order to communicate efficiently with you. Please go to mail.com or yahoo.com and get an email address. It only takes a couple of minutes and there is no cost, at all.

Date Updated: 02/15/2017

How does the process work?

It starts with you filling out an online loan application. If you fill out the application within business hours, you should expect a call or email response within two hours or less.

Date Updated: 02/15/2017

Where do I begin?

Just click here and fill out our short application. Our system will match you with a group that is destined to favor you and most likely to approve you. We will also follow up with you to make sure you got the help you needed.

Date Updated: 02/15/2017

I have a question that wasn't answered, who can I ask?

We like new inquiries, so please go to Hopefully your question is one that others might have and we can add it to our

Date Updated: 02/15/2017

Loan Option disclosure:


Our personal loan lenders may offer payment terms from twelve to a maximum of eighty-four months. Our lenders offer annual percentage rate (APR) from 4.79% to a maximum annual percentage rate (APR) of 35.99%. Our lenders DO NOT offer short term or payday loans.

We are not the direct lender. We have lenders in most states and match them to our clients needs and likelihood of approval and acceptance. When you use our service we will do our best to connect you with a lender that offers the lowest interest rate loan with the most favorable terms matched on your likelihood of being approved for that loan, based on your location, credit situation, income and other factors.


Here is an example of the cost of a loan for a person with an excellent credit profile:
If you take a $10,000 loan for a five year term at 8% interest rate with a 3% origination fee, you would receive $9,700 ($10,000 less the $300 origination fee) and would make sixty monthly payments of approximately $202.76 which equates to an APR of 8.69%. The total cost of the loan would be $12,165.60.


We are partnered with multiple national lenders and all credit situations are considered. Additional information offered below:

APR, INTEREST RATE, and ORIGINATION FEES

An APR demonstrates to you the cost of obtaining cash on a yearly premise. It can help you rapidly think about various advances or credit cards on a logical premise. The APR on an individual advance can incorporate both the financing cost and start charge. The start charge may likewise be deducted from your advance continues, and there is generally no expense on the off chance that you don't get an advance.
The Annual Percentage Rate (APR) is the rate at which your loan accumulates interest, and is based upon the individual loan specialist's program. All terms and conditions for any credit for which you qualify will be displayed before you present your application. APRs differ from 4.79% to 35.99% for unsecured individual advances.
For instance, If the start expense is deducted and you get a $6,000 36-month credit at a financing cost of 6.99% with a 2% beginning charge of $120.00, you could get an advance measure of $5,880.00 and make 36 regularly scheduled installments of roughly $185.24 at a 8.36% APR. On account of a $20,000 60-month credit at a financing cost of 7.62% with a 3% beginning expense of $600.00, you could get an advance measure of $19,400.00 and make 60 regularly scheduled installments of roughly $401.90 at a 8.91% APR. Your real month to month installment more often than not shifts in view of the APR, advance sum and term chose.

Credit Implications

Our partaking lenders may check your standardized security number, driver's permit number, national ID, or whatever other state or government distinguishing proof, and review your data against national databases to incorporate, however not constrained to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to decide credit value, credit standing or potentially credit limit. Some of our partaking loan specialists won't perform credit checks for the three major noteworthy credit credit reporting bureaus. At the point when outsiders check your credit score rating, it can actually lower your rating. We will bend over backward to just present projects where you have a decent shot of accepting your advance the first occasion when you apply. Credit checks or shopper reports through option suppliers, for example, Teletrack or DP Bureau, commonly won't influence your financial assessment. By presenting your enrollment through this site, you consent to permit partaking loan specialists to confirm your data and check your credit as depicted in their strategies and terms.

Implications of Late Payments

Every lender has its own particular criteria and strategy with regards to late payments. This may incorporate extra charges and interest, and may bring about reports to the three major credit announcing departments creating your financial assessment (credit score) to be brought down. Before you consent to an advance, make certain you have perused and comprehend the ramifications of making late installments. Likewise, each state has standards and directions set up that moneylenders must take after when assessing charges for late installments.

Implications of Non-Payment & Collection Practices

In the event that you don't make the installments on your advance, you might be responsible for extra fees, interest, and gathering costs. This may bring down your credit score. Moneylenders are required by government and state laws to utilize reasonable practices in their collection actions for an advance that has not been repaid. Lenders should comply with the following practice:

  • Not contacting you by phone before 8 am or after 9 pm
  • Not using deception to try to collect money from you
  • Not threatening you with legal action if it is not permitted
  • Not harassing you or using abusive language towards you over the phone

We will only permit moneylenders who are trustworthy and keep up their notorieties effectively; That being said, in the event that you discover any conduct that is not proficient, or you feel is savage, we need and want to know promptly. We esteem your trust in us to help you with your financial needs.
We are your advocate and your involvement with us is foremost to the achievement of our organization.