With the increased unemployment rates and the current economy, many people have been meant to take different types of loans to enable them pay bills and meet their daily needs. However, some of the loans they take have high interest rates and strict terms which make most people unable to make the agreed payments in time. This makes most of these people have to accumulate heavy debt which makes it hard for them to access other loans.
Individuals who find themselves in this situation can get a quick relief by taking 12 month loans to help them clear their bad debts and repay back the loan under flexible repayment terms. This loan is meant for people who want a longer time to pay back the money they borrowed and for people lacking a perfect credit. The 12 months repayment period enables people repay the loan slowly over time and at manageable installments which suits the budget of the borrower. These loans have fast approval rates thus helping borrowers get the money they need faster whenever they need it.
Comparison of 12 month loans with other traditional bad debt loans
Most bad debt loans are usually given with a short repayment period, which is mostly a two week payday loans. Apart from offering borrowers a longer repayment period, 12 month loan has better terms as compared to other traditional bad debt loans. These loans also allow borrowers who repay them in time to get more loan amounts whenever they find themselves in need of a loan. These loans gives borrowers more freedom to meet various short term expenses e.g. paying for car repair, home renovations, pay phone bills, pay bank overdrafts and even house rent.
Requirements for getting 12 month loans
In order to apply for these loans, most financial institutions require you to meet the following requirements:
Be a permanent resident of that country
Be at least 18 years old
Have a source of income
Have an active bank account
For individuals who meet these requirements, getting these loans is quite fast and gets to enjoy peace of mind after clearing their bad debts. Application for these loans is usually free and in most cases involves completion of an online application form. Approval of the loans takes a short time and individuals can get the cash even within 24 hours.
Applying for a 12 month loan
These loans are among the easiest loans to get since they do not require many complicated formal requirements or other tiring procedures. Their application does not require any paper work or traveling since everything can be done online at the comfort of people’s homes. There application process for these loans also does not have any direct or hidden costs.
Financial institutions which give these loans do not impose strict restrictions to borrowers on the choice of the amount of money to borrow. After borrowing the money, individuals are usually free to put the borrowed amount to any use. When borrowing the money, lenders require borrowers to share as much information as possible about their situation so that the team of lenders can come up with a special loan deal for you with the appropriate repayment terms. When filling application details, borrowers should ensure that they fill accurate and precise details as this helps them fetch better loan deals which are tailored to suit their budget and requirements.
Choosing the right money lending partner
With increasing number of institutions offering 12 month loans, choosing the right partner is equally important. Getting a lender who fully understands the borrower’s situation is very important as it very important as it gives him/her peace of mind through flexible repayment terms. Enquiring whether the financial institution requires guarantors apart from the employer to award a loan is also important because many individuals cannot wish to associate with a person with high debts. 12 month loan lending institutions either offer secured or unsecured loans. Although unsecured loans may be easier to get, they may attract higher interest rates. Going for a secured loan may therefore be financially beneficial to the borrower although getting guarantors may be involving especially if the borrower has a poor credit record.
A direct deposit is the best way to get the loaned amount as it ensures that you get the money within 24 hours and also ensures that the borrowed money does not go through heavy taxation.
When asking for this loan, you should quote the amount you really wish to borrow based on your ability to repay the loan in time. Some lenders can be ready to offer higher loans which will see you may additional interests and risk getting to more debts if you don’t repay the money in time. Any borrower should also be keen on the interest rate charged to the loan. It’s good to explore different institutions to ensure that you go for the one which will charge you a fair interest with good repayment terms.
If previous financial situations have made your credit records poor, the most likely source of your loan is a private financier.
Repayment tips for a 12 month loan
Poor repayment records make it difficult to get financial assistance when most needed. It is therefore important to make the loan repayments in time or even before so that you rest assured that you are not getting yourself to more debt. When taking this loan, you should confirm with the lender whether you can clear the loan before the agreed time and if doing so will attract higher interest. Borrowers should therefore be keen in selecting the right loan package. If you get a flexible repayment package from the lending institution, clearing the loan within a short time can save you more money you would have paid on interest in the long run. Borrowers can compare the terms of different lending institutions on online comparison websites so that they choose the most cost effective package.
It the repayment terms of the loan favor faster repayment of the loan, you can do so by making bi-weekly/monthly payments, paying extra every month or by refinancing the loan so that you get maximum benefits of early loan repayment.
It is important to note that you may not be able to wash all varieties of weaves using the above procedure. In addition, different weave varieties may require extra care when washing.
1. Human Hair
The most common varieties of human hair include Milky Way and Premium Now. Most human hairs cannot withstand regular washing. Moreover, since they are relatively cheap, there is no need to reuse them. Milky Way is one of the varieties that can be washed but only once. On the other hand, washing Premium Now hair is not recommended since you will end up losing most of your weave. Finally, any hair labeled “Human Hair Blend” is good for two or three washes, as long as you are take good care of it. The only additional requirement when washing human hair is that extra caution needs to be observed to avoid shedding too much hair.
2. Virgin Hair
Some of the varieties include: Brazilian hair, Peruvian hair and Indian Hair. This is probably the simplest type of hair to wash and condition since it does not have many requirements. However, it is important to note that if your weave is glued in as opposed to being stitched, you need to be extra careful to prevent the glued wefts from dissolving.
3. Synthetic Hair
Examples of synthetic hairs include Batik hairs. Washing synthetic hair by yourself is not advisable. If you have to wash it consult your stylist who has specialized skills for washing them.
All in all, the most important hair that you need to take care of is your natural hair beneath the weave. While you may opt to keep you weave for as long as three months, it is recommended that you change it monthly to allow your scalp to breathe. This should also give you an opportunity to treat your hair in order to keep it clean and healthy.
Ankle boots are no longer a single-season footwear choice. With all of the varying styles, colors and materials available, ankle boots are even perfect for summer these days. We’ve put together this quick guide to give you an overview of your options. Soon you’ll be strutting your stuff at a summer festival near you, donning a pair of ankle boots of course!
Platform Wedge Boots: Turn Heads!
Want to grab some attention? Nothing beats a pair of platform wedge boots. They combine elegance with comfort, so you won’t be in pain at the end of the day. They also come in a variety of styles, from summery and chic summery sandals to winter boots that show off your sexy look. No matter what the weather, these boots will last.
Wellington Boots: Old Classics with a Twist
We’re not talking your dull old-school wellies; you know, the green and mud brown style your grandparents wear? What we mean are the fun and funky styles that have given Wellington boots a new lease of life. Traditionally, these boots go up to the knee. However, these days you can also find them in a stylish ankle-length variety. They are absolutely perfect for summer music festivals, low enough so you’re not too hot, but giving you the protection you need from the elements and muddy ground. Wear with some funky-colored socks and you’re ready to go!
Lace-Up Ankle Boots: Transitional Style
Make the transition from the winter months to summer with some cute lace-up ankle boots. They are what we like to call �versatile anytime boots’. In other words, they will work for any given situation and you’ll always look the part. Whether it’s a day at the office or a night out with your friends, these boots will never let you down. Going to a summer festival? Combine these with cropped pants or a long skirt and your friends will go green with envy.
Peep Toe Boots: Eclectic and Edgy
These are recent favorites, having bombarded the fashion world with chic style and modern vibes. With peep toe boots, you can give any outfit an edgy and eclectic look. If it’s cold outside, wear them with cotton leggings under a sweater dress. It’s a casual and trendy look that will get you through those colder summer evenings. For the daytime, why not wear a pair of shorts with an off-shoulder top? We know you’ll make it work.
Leather Flat Boots: Classic Style is HOT
Finally, there’s the classic leather boot with a new twist. These are �hot’ right now and girls everywhere are donning these, though you can stand out from the crowd by adding in the rest of a personalized ensemble outfit. The great thing about these boots is that they’ll never go out of style, ever. No matter what the winds of change bring to the fashion world, you can be sure that leather boots will always look hip, modern, and will ooze style. All you have to do is update your outfit slightly and you’re back in the game. We also love that they are built to last and are comfortable. They’re the perfect pair for any occasion.