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How To Avoid Loan Sharks

If you have bad credit and are desperate for a loan, don’t make the mistake of using a loan shark. Although many people think loan sharks are a fantasy from Hollywood movies, there are many lenders out there that will rip you off and act as a loan shark. If you want to get yourself a loan but are not sure how to avoid these bad lenders, then here is some advice on how to avoid loan sharks

What is a loan shark?

In essence, a loan shark is a lender who targets people with bad credit and difficult financial circumstances and offers them loans are extremely high rates. By preying on people who think they cannot get a loan elsewhere, the lender makes large sums of money through the high interest rates. Contracts are usually very unfair and there are harsh penalties if the borrower defaults or misses payment. These so called loan sharks use a variety of techniques to make money off people unfairly.

Large loan fees

Loan sharks often charge large fees in addition to the interest, which are added to the total cost of the loan. The borrower is often not told in detail about these charges, and may not notice that they are paying a lot more money for no reason at all. These fees on predatory loans can be as much as 5% of the total loan amount. Another type of fee often charged is for early payment on the loan. A lot of good loans do not carry these penalties, but loan sharks can charge up to 6 months’ interest for early repayment.

High interest rates

The loan sharks target people who find it hard to get loans, and so for the ‘convenience’ of allowing them a loan they charge huge interest rates. These rates could be 3 or 4 times more than you might normally pay, and even if you have bad credit there is no need to pay this much. If you look around then you will see that there are competitively priced loans even for people with a poor credit history.

Letting you borrow too much

Loan sharks are not really bothered about your ability to pay a loan back, because they usually make contracts unfair and require security so that if you do not pay back, you will lose your home. That is why these lenders will let you borrow more than you can really afford. They are making so much from the fees and interest that if you default and they repossess your property they will still make money.

Avoiding loan sharks

These loan sharks target people who think they cannot get a loan another way. However, even people with poor credit can get a legitimate loan with decent rates and no hidden charges. To avoid being the victim of a loan shark, only use reputable companies when getting a loan, and always check the contract you are signing in detail. If you are unsure about a loan or lending company, then contact an independent financial advisor. If you shop around and remain aware of the dangers, you won’t become another victim of loan sharks and their predatory loans.


About the Author: Peter Kenny is a writer for The Thrifty Scot, please visit us at Poor Credit Loans and Secured Loans
Visit http://www.thriftyscot.co.uk/Loans/




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