If your question isn’t answered below, or you would like to know more, call us. We’d be happy to help.
Why should I choose Prudent?
Prudent’s annual interest rates which are 5.75% to 9.9% plus fees are the most competitive in the financial industry which lends to people with bad credit. Our credit repair services are unmatched by any of our competitors. Click here. We offer online same day loans which are open, and can be repayed at any time. No upfront fees.
How is Prudent different from pay day loan places?
Prudent is much cheaper and helps fix your credit. Click here for more info – Say No to Pay Day Loans!
How do I know if I qualify for a Personal or Car Loan?
Learn more about our Personal or Car Loan and how to qualify by clicking here.
If I am in collections, can I get a loan?
Depends on your job, income, debt, if you have a paid-off car 6 years or newer. We can often make a good deal on your behalf with the collection agency, pay it off, save you money and start to fix your credit, all with an affordable Prudent loan.
I have a history of bad credit and still have some small debt, can I get a loan?
If you have a good job you may be eligible for a $500 annual loan for total monthly cost of $9 or up to a $1000 annual loan for a total monthly cost of $19.75.
I’m working, but I have too much debt to ever pay off. Can Prudent help me?
Not until your debt is resolved. Then we can help rebuild your credit. If money owed is over $5000, click here for financial advisors to explain your options.
Prudent finances undischarged bankrupts, but what about undischarged proposals?
Prudent will pay off a proposal which is about ¾ of the way paid. But even if you are not, you could still be eligible for a car or personal loan -- for example, a $500 annual loan for a total monthly cost of $9.50 or $1000 annual loan for a total monthly cost of $19.75.
How do Prudent’s credit repair services work?
We regularly report to Equifax. When you pay on time you get I1, the best score possible, the best way to fix your credit. Over time, this demonstrates your ability to repay loans responsibly. We will also hold your payments free of charge for up to two weeks if you call us three business days before the payment date. This service protects your credit rating as well as preventing costly NSF charges, and helps you when you're in a tight situation. It is only meant to be used occasionaly and not frequently.