【實用財經app】Vouch - Loans based on trust|最夯免費app-gigacircle

With Vouch, you create a network of people who trust you. Vouch for people you trust and invite people to vouch for you. When people vouch for each other they help each other get better loans. Even if you don’t need a loan now, you can still build your network of people who trust you, so it’s ready if you need to borrow money.

“The money for my loan came from Vouch and I’m saving hundreds thanks to the support of friends and family.” - Jay W. Austin, TX

HOW IT WORKS

1) Download Vouch

2) Sign up and check your interest rate on a loan (this will not impact your credit score).

3) Vouch for people you trust and invite people to vouch for you. As more people vouch for you, Vouch can offer you a larger loan, lower your interest rate or both.

4) Get a Vouch loan with a low rate and low monthly payment based on your network of people who trust you.

5) Pay it forward by vouching for others and help them get great loans.

The money for your loan comes from Vouch in partnership with Cross River Bank, an FDIC insured, New Jersey commercial bank. The trust of family and friends can help you get a loan with low monthly payments that save you money.

GET OUT OF DEBT FASTER

With a Vouch personal loan you can get a lower interest rate, lower your monthly payment and pay less in total interest, so you can get out of debt faster.

IMPROVE YOUR CREDIT REPORT AND CREDIT SCORE

Getting a loan and paying it back is a great way to improve your credit score. Vouch makes fair loans you can afford to pay back fast, which helps improve your credit score and credit report.

INVEST IN YOURSELF

A Vouch personal loan can be used for anything you need to propel yourself forward. Take a class and become a student. Make a significant purchase. Cover a big life event - engagement, wedding, moving, security deposit, or other meaningful events in your life.

BE A SMART BORROWER

If you need to borrow money, make sure you get the lowest rate, lowest cost loan you can. Vouch helps you avoid high interest rate, payday loans and high cost transactions like cash advances. With Vouch you can create a network of people who trust you and their trust can help you get a lower cost loan.

HOW VOUCHING WORKS

People vouch for you by telling us they trust you. They choose an amount of money and agree to pay their vouch amount if you do not pay us back. They only pay Vouch if you do not. Vouches can help you get a larger loan, lower your interest rate or both.

HOW DO VOUCHES HELP?

If you get a loan offer for $500-$1500 you can increase your loan offer amount by $250 for every qualified vouch up to three qualified vouches. For example, you could turn a $1000 loan offer into at $1750 loan offer with three qualified vouches.

If you get a loan offer for $2000 or more you can decrease your interest rate by 1% for every qualified vouch up to five qualified vouches. For example, you could lower your rate from 20.99% to 15.99% with 5 qualified vouches and save hundreds of dollars over the life of your loan.

A qualified vouch is for $100 and comes from a person who is at least 18 years old, a legal U.S. resident, must have a FICO score of 580 or greater, and must be current on all existing accounts and not in a bankruptcy or foreclosure proceeding, in addition to other credit criteria.

VOUCH LOANS

- 5% to 30% interest rates. Lower your interest rate and pay less for your loan when people vouch for you.

- Installment loans with fixed monthly payments

- No application fee

- No annual fee

- Checking your rate for a loan does not impact your credit score or credit report

- With Vouch you are more than a FICO score