Springleaf Loans Review – Financial Service Authority

Posted April 22, 2015 by in Finance

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4.5/ 5

Quick Review

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Recommendation: ,
 
 
 
Link:

Click here to apply for Springleaf loans Apply-here-012

 

What We Liked:

This lender provides its customers with Personal Finance 101 education , The customer is even provided with their Personal Budget Planner so that he will know how he spends his money , Borrowers can get to know their credit report , The borrower can even avail of their Personal Loan calculator , Homeowners are given solutions to pay for their mortgage
 

What We Disliked:

Not available to residents of: AK, AR, CT, DE, HI, IA, ME, MA, MD, MI, MN, MS, MT, NE, NV, NH, NY, ND, RI, SD, UT, VT, WY
 
Conclusion

Springleaf Loans review reveals that this company is one of the best and decent reputable companies that allow secured and unsecured loans. This company will not leave the borrowers in the dark. In fact, transparency is one of its best qualities. It believes in educating the borrowers in the best way possible. By enhancing customer experience and elevating customer service to the next level this company has manage to won the hearts of its customers. No wonder more and more customers are repeatedly using their services. It is not surprising knowing that this company has manage to level up even after 90 years of existence. This will not last long if it failed at some point. Recently, it was even included in NYSE. It was also in 2011 when it change its name. What more can a borrower ask for? Go for somebody trustworthy, go for Springleaf Financial Loans.

Click here to apply for Springleaf loans

Apply-here-012

by ixivixi
Full Article

Springleaf Loans Review – Financial Service Authority

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pringleaf Financial Loans offer more than just the average loans.  For more than 90 years Springleaf Finance has been helping people through its Springleaf Lending service cope up with their life’s financial challenges. If there is a word that clearly describes Springlead Finance it would be personalized. Springleaf Lending offers borrowers a chance to work with Springleaf loans experts from their own community. There is nothing more personalized than that. Some of the best known traits of Springleaf Finance has got to be a deep understanding of their customers’ needs, read the full Springleaf loans reviews to better understand how this company works.

Think of Springleaf Financial loans as a lender with a conscience

As proof that Springleaf Lending truly cares they treat their customers with respect and dignity. It does not hurt when they add in a great deal of honesty and transparency in their dealings with their clients. Ultimately, the goal of Springleaf loans is to deliver the best customer experience that they can ever provide. They seek to empower their customer to help them get back on their feet after these personal financial setbacks. As a result their customers can take control of their finances afterwards.

This is not all, Springleaf review says that this company wants to show their commitments to their customers by taking it one step further and that is by upholding what they refer to as Customer Commitment and Borrower’s Bill of Rights. This company takes this commitment seriously. They even considers these bills of rights as their guiding compass in running their business. To date Springleaf installment loan has served more than 3.5 million individuals and this number is growing. Springleaf Financial Loans is also giving back to its community by encouraging their team members to donate their time and money to local charities. Think of Springleaf Financial loans as a lender with a conscience. Nothing can beat that. 

Springleaf Financial Services 

Springleaf Financial Services Springleaf Installment loan are for those who want to avail of personal and auto loans from $1,500 to $25,000. This service even offers its Springleaf Bad credit loans for those whose credit scores are not as great as they would hope to be. Since this company operates by state, this abides by the state restrictions. All Springleaf loans are subjected to normal credit policies which can be either offer in maximum or minimum range. Naturally, the range shall depend on the customers’ credit history.

Basically, the services offered by Springleaf Financial loans is personal loans for bill consolidation, home improvements or even unexpected emergency expenses Springleaf Financial locations are spread throughout the United States. Actually, there are more than 800 Springleaf Financial locations.

By having these branches, Springfield Financial locations can offer better and personalize services through somebody from the local community. Springleaf review reveals that this company was formerly known as American General Finance. Primarily, Springleaf loans are offered for consumer lending, credit insurance and for other related credit products. 

Springleaf Financial Locations 

Springleaf Financial Locations For the sake of convenience and to be able to serve its ever expanding customers base, Springleaf Financial locations are scattered all throughout the United States. The list of Springleaf Financial locations are categorized in alphabetized order so that those who live in a particular state can check out the nearest Springleaf Financial loacations close by. Starting from A, Springleaf Financial Locations lists down Alexander City in Alabama and ends the list in South Charleston, West Virginia. To date these Springleaf Financial locations can be found in 42 States in the US. However, the main office for the mother company remains in Evansville, Indiana.

By visiting the official website for Springleaf Financial loans, searching for Springleaf Financial locations is easy. All that potential customers need to do is to search for the Springleaf Financial locations locator. By using the Springleaf Financial locations locator it would be easier to zone in on the nearest community base branch. As evidence that people do seek the help of Springleaf Financial loans, there will be times when the access will fail for just a few seconds stating the information that there are too many people who are trying to search for the same information that potential customers are after. However, Springleaf review divulges that this process will in no way hinder customers from accessing the same information after a while. 

Review

Springleaf Reviews 

Springleaf ReviewsMost Springleaf reviews says that this company is trustworthy for a number of good reasons. For starters, those who wish to avail of Springleaf Financial loans will find the process of applying for one quick, easy and hassle free. This must be why even Springleaf bad credit borrowers choose Springleaf loans than the rest of its competitors. As a trusted loan agent, Springleaf bad credit borrowers are confident that even the Springleaf online payment is secure enough.

To date according to Springleaf reviews they have extended more than $10 billion personal loans to their 3.5 million customers. These customers have various needs like debt consolidation, household bill payments, home improvements, car purchases and even other major purchases. It is the goal of Springleaf loans to be able to provide the right loan to the right borrower. As mentioned earlier, this company works by its conscience. They encourage their team members to serve the community. At the same time this company provides the community with branch managers that offer more than 12 years of experience with every kinds of needs imaginable.

This company strives to provide the best customer experience possible and if possible do this at all times. Whether this is through a local branch, through its official website or even through its efficient call center support team. No wonder with the great percentage of customers that were completely satisfied with its service, this company has garnered a very high feedback score of 92 percent. These figures are based on an internal survey conducted on customers that has managed to settle their Springleaf online payment and has closed their loans.

As a result of their personal experiences with Springleaf Financial loans, customers say that they will remain loyal to this lending company that allowed them to get back on their feet again. Springleaf reviews compares this company to that of a close friend who will remain supportive no matter what. There is also that super convenience way of providing Springleaf online payment that removes the hassle of going to the bank every time it is the time of the month to pay for these debts.

Springleaf Loans 

Springleaf Loans If there is one thing that customers are willing to say about their Springleaf Financial loans it would be that this company offers super quick service. Applications for loans are immediately process and customers will know if they have been approve. They will also know how much they will get since granting of loans will depend on the credit history of the borrower. Generally, approval for the loans will take a few minutes on an average. However, there are those borrowers who will need to provide additional documents to prove their trustworthiness. This are for those who are applying even with bad credit. There are two type of loans that customers can avail of: secured or unsecured. In some cases, there might be a need to provide some kind of collateral. The difference between secured and unsecured loans are explained further according to how this company defines it.

Secured loan requires a collateral as part of the terms. If in case the borrower defaults on his payment the lender can gain possession of the collateral. By offering this secured loans, the lender can offer lower interest rates while it reduces the risk for this lending institution in getting its money back. Secured loans are commonly offered for huge loans. Most often than not, a car is used as collateral. Unsecured loans on the other hand does not require collateral and is also known as signature loan. This places the lender at a higher risk. This justifies the presence of higher interest rates. Simply put, the higher the risk there is a need to get higher rates as repayments. This is also the reason why in most unsecured loans, the credit history is vitally important since this will help the lender gauge the behavior of the customer through his payment history.

These major loans can be further categorize into sub-categories: Home improvement loans are for those who want to renovate their home. They might want to add an extra room, remodel a kitchen, new roof or even install a new pool in the backyard. Auto loan are for those who wishes to purchase a vehicle. When vehicles are purchase from a dealer, the lender normally places a lien on the title of the vehicle and payments are made in fixed installments. The vehicle’s title shall only be release once the borrower was able to pay the entire loan in full. Debt consolidation loan is for those who want to apply for multiple loans or credit card loans and are struggling to pay for these. This is when debt consolidation loan can be of great use. The amount from these debt consolidation loans can be used to pay off the debts from different sources. 

Springleaf Payment 

Springleaf Payment Making Springleaf payment for loans is easy. The process of Springleaf payment starts when borrowers logged in to their personal account. They will input their account number information which also includes their Social Security number as well. They are required to have a blank check to make this Springleaf payment. Customers might fill out the application by indicating his complete name which includes his middle initial. For those who might be worried about stolen Social Security number all that they need to do is to encode the last four digits of their SSN number. By the way, according to Springleaf reviews this site is secured by using encrypted security protection tools.

Instead of writing checks and mailing these check payments, Springleaf payment offers a more convenient way to make Springleaf payment through what this company refers to as its Direct Pay program. By enrolling in the Direct Pay program, the Springleaf payment system can automatically deduct the payments for each month. The Springleaf payment system works when customers allow the Springleaf payment system to automatically deduct their payment from their checking or savings account. This leaves customers with less worry. According to Springleaf loans reviews, there will be no more late or missed Springleaf payment from now on. 

Springleaf Financial Loans 

Springleaf Financial Loans Springleaf loans that are considered as Personal loans start from $1,500 to $10,000. It is so easy to apply for these Springleaf Financial loans. It is also that easy to make Springleaf payment for this loan. According to Springleaf loans reviews, the process of starting with this loans is by accomplishing an online application form. Once the loan is approved, customers are required to sign the documents. Springleaf reviews reminds customers to review this fine print to ensure that they know the terms and conditions involve. The final step is to receive the personal loan funds in the local branch. Later on the last step would be to make Springleaf payment before the due date.

Springleaf loans reviews says that Personal loans can be used for debt consolidation like credit card payments. This way customers can consolidate their credit and get to pay all of these in a single monthly bill. How convenient is that? Making major purchases? Personal loans can be used for purchasing furniture, appliances or just about any big ticket items. Springleaf loans reviews did mention that home improvements and renovations are included in this category. Springleaf reviews says that this Springleaf Financial loans can be used when taking vacations or even to book cruises. Springleaf loans review says that this will allow the customer to travel in style and luxury. For those who want to have their dream vacation, Springleaf loans review says that this is an opportunity of a lifetime. No one can take away the experience of being able to take a trip to a faraway place and escape the hassle bustle city life even for just a while.  

Springleaf Loans Review 

Springleaf Loans Review Springleaf loans reviews says that a secured loan will require collateral while unsecured loans are approve based on acceptable credit score. Depending on the type of loan, according to Springleaf loans reviews there are cases when some form of documentation might be required. For instance, lenders will typically require the latest copy of credit reports. Springleaf loans reviews shares that the credit report contains valuable information about the borrowers’ credit and loan accounts. A credit score will reflect how often the borrower pays for his credit. After all applying for Springleaf loans is a new credit.

A good credit score will give lenders an insight about what risks or lack of it is involve when he approves the borrowers’ Springleaf loans application. The FICO score as it is fondly called has a range of 300 to 850. A common rule of thumb according to Springleaf reviews is that higher scores means that the borrower has a history of paying his debt in full in a timely manner. What if the borrower has low FICO score? This clearly means according to Springleaf reviews that the borrower is not as responsible in keeping up with his Springleaf loans payments.

In case there is a need for collateral, Springleaf loans reviews reveals that this can be through cars, jewelry, stocks and bonds. Springleaf reviews further clarifies that this type of Springleaf loans carry the collateral of highly valuable assets of the borrower. Springleaf loans review says that when an item from the examples of what a collateral is pledge this means the lender has the right to collect this item in case the borrower failed to pay for what he owes. This arrangement is actually a win-win situation for both parties involve. Springleaf reviews indicates that this teaches borrowers who are lax on their payment to behave more responsibly. While at the same time this lessens the risk that the lender is placing himself into. 

Springleaf Bad Credit 

Most Springleaf loans reviews reveals that this gives those with bad credit the chance to have a new lease on life. However, Springleaf reviews also reminds those with bad credit not to take an advantage of this situation to repeat the same history again. This time they need to be good at repayment. They also need to pay these dues on time. By doing so they will be able to settle their debts in no time. They can also inquire about making advance repayments if they want to especially if this will allow them to enjoy lower interest rates or avail of better deals with this company.

Even those with bad credit will appreciate how the customer support coming from this company is kind and professional. These Springleaf loans reviews is what one sees when visiting different sites where these Springleaf loans reviews are posted.  True, that this company is far from perfect however, let those who are satisfied with their service speak up. Even bad Springleaf loans reviews are entertained by this company. They send messages to clarify the problem. In the hopes that this will be settled in time and that both parties involve shall reach a compromise.

Springleaf Installment Loan 

Springleaf Installment Loan Different sites post their Springleaf Loans review and the results are in. According to Springleaf Loans review installment loans are loans where the borrower has received a lump sum. In exchange for this lump sum, the payback is accomplish through a fixed monthly payment schedule within a fixed amount of time. Installment loans can be for car, home mortgage and even personal loans. Some people say that installment loans is getting bad reviews because they are pitch in as alternative to payday loans. Payday loans has been in the close scrutiny of lawmakers in recent years because of the exorbitant interest rates that actually robs borrowers of their hard earn money. As a matter of fact, there are many loans that can be classified as installment loans.

There are but just some of those in the industry like Springleaf Financials that offer manageable APR interest rates without bombarding the borrower in the process. This do away with the unscrupulous tactics used by those who offer short term and small dollar lenders. Springleaf loans review says that great lenders such as this one are preferred by customers than the average traditional inconvenient way of borrowing through brick and mortar banks. No wonder one of the best that this market has to offer is Springleaf Financial. Customers have given this company the thumbs up in their Springleaf loans review for being a decent provider of installment loans that has a physical office location. Even some companies fail to establish their reputation by operating online alone. Customers build their trust with a company that has a physical address because this assures them that this company is not hiding from them.

Springleaf loans review says that for those who might just be after establishing a better credit score this company is a great fit. This is a well-established lender that offers different types of loans but mainly works on secured loans. This company is willing to work with a borrower that has bad credit. They offer both secured and unsecured loans. They have more than 800 branches that makes them more accessible locally most of the time. This company has managed to acquire an A+ rating with Better Business Bureau for the reasons previously given. 

Springleaf Pros 

Springleaf Pros This lender provides its customers with Personal Finance 101 education. In its concern for the welfare of people who filed for loans this company provides its customers with the greatest weapon: through wide range of information and customer education. This company acknowledges that the reason why people have issues about money is that they tend to mismanage. Most of the time the issue is spending more than what an individual earns. The customer is even provided with their Personal Budget Planner so that he will know how he spends his money. By using this this planner, the person can get a clear picture of the monthly finances and where they stand. They even offer video presentation education by providing what they refer to as Springleaf TV. Borrowers can get to know their credit report. This will help the borrower know the credit system works and a lot more.

The borrower can even avail of their Personal Loan calculator. This calculator is no ordinary calculator because it shows the estimated monthly payments and the expected remaining balance after some payments are made. They also provide what they refer to as MoneySKILL. This includes money management course. They will learn about credit, expense management and budgeting. They even offer a lot of guides and tips on how to raise credit scores and how to monitor these credit. These are but some of the samples posted on the official site for this company. The goal of providing these Personal Finance 101 course is not only to educate customers about how to handle their finances but, a means to help them hope for a better future. Most of the time borrowers do think negatively after all they see setbacks.

Think of these loans as hope renewed that there is a better opportunity for them. Grab the opportunity to be financially savvy with the help of the Personal Finance 101 borrowers’ education. This is a good place to start transforming finances from something low to something better. Yes, it will take some time before any of these positive changes shall take place but, change it will. However, borrowers can only enjoy these great changes if they are willing to work with the suggestions made. A good stuff will remain only a good stuff if it is applied into use. Otherwise it will just remain as a good idea and nothing else. Looking for vehicle repair solutions that offers refinance as well? Look no further, since Springleaf provides this as well. Some banks when they handle car loans will make the borrower feel as if they were second class citizens, thankfully this one is not that. Most reviews applaud the fair and honest way they were dealt with during the application and payment process. The managers that runs each branch are that knowledgeable. They may even offer better solutions than what the borrower originally think about. Some even say that they feel as if a huge burden has been remove from them.

Springleaf Pros Homeowners are given solutions to pay for their mortgage. Even if the borrower is facing a setback with his finances this company still wants to work with him. It is the goal of this company to offer the best solution on how to solve this financial dilemma. They provide borrowers experienced representatives to discuss these options. All that they need is to contact the company representative today through phone or via email. People who have applied with this company all agree how if ever there is a need for a quick personal loan this would be the best company to handle this request. This is the first and last company that they would gladly pick up for this need.

Be prepared to download and complete the Loss Mitigation Application Form and provide them with proof of income. The next step is where this company will work together with the borrower to reach the best solution for the situation. By the way, some of the most common documents asked for are: W-2, pay stubs, tax return documents and bank statements. Some of the available solutions includes: Cure Agreement, Short Sales, and Loan Modification. Borrowers are encourage to visit the FAQs Mortgage Payment Solutions page if they want to.

If there are still remaining issues that the borrower needs to iron out, they can do so by getting in touch with the company representative. No wonder this company has been hailed as the leading provider when it comes to consumer credit base products. In addition to its lending activities, borrowers can avail of credit and non-credit insurance through subsidiary insurance companies that work with this company. A greater convenience is working with a local branch of this company. However, not all States offer this service though. Who knows there will come a time when this service will be allowed to operate in more States. 

Springleaf Pros

Springleaf Cons 

One of the minor problems with Springleaf is that it is not available in 23 States even if it offers its services to the other remaining States. The laws governing each State are responsible in making it harder for lenders to operate on a certain area. Springleaf loans review says that not all of the blame should be place with this lender. After all, they are not responsible for the strict regulations that govern certain States.

Some of the Springleaf loans review are quite harsh that this site supposedly shares as little as possible about the specific possible APRs that customers will likely face when applying for a loan with this company. To be fair, most companies do not really divulge this information. After all, this information must be given to the right person; the borrower alone. Before the borrower makes the decision to avail of the loan, he can see the interest rates. 

Conclusion 

Conclusion Springleaf Loans reviews reveals that this company is one of the best and decent reputable companies that allow secured and unsecured loans. This company will not leave the borrowers in the dark. In fact, transparency is one of its best qualities. It believes in educating the borrowers in the best way possible. By enhancing customer experience and elevating customer service to the next level this company has manage to won the hearts of its customers. No wonder more and more customers are repeatedly using their services. It is not surprising knowing that this company has manage to level up even after 90 years of existence. This will not last long if it failed at some point. Recently, it was even included in NYSE. It was also in 2011 when it change its name. What more can a borrower ask for? Go for somebody trustworthy, go for Springleaf Financial Loans.

Click here to apply for Springleaf loans