Applying For Loans

We’ve said it once and we’ll say it again: At World, you’re more than a credit score to us. We always take your full financial picture into account when you apply for a personal loan. That said, you may be wondering what we do look at when reviewing your application. Today we’re going to clear up that mystery!

At World, we believe personal finance should be personal. Too many lenders treat people like nothing more than a credit score or a number, offering one-size-fits-all loan options. That’s simply not how we do business. We treat our customers like our friends and neighbors – because they are.

If you have no credit or poor credit and find yourself in need of money, you may be tempted to turn to payday loans and lenders. But did you know that World offers the best personal loans for bad credit? While it may seem like there is a payday lender in every strip mall you pass, they’re not your only option. A personal loan is the best option if you want to improve your credit score and financial situation. Let’s dig in and find out why.

Over the years, DIY and home improvement have become a beloved hobby for many. (So much so, HGTV has made a whole television channel out of it!) Whether repairing things around the house, updating or remodeling, the possibilities are endless. In many instances, these improvements not only leave homeowners feeling empowered, they can also contribute to the overall value of the home when it comes time to sell.

Unless you have an interest in personal finance, it’s probably unlikely you have spent much time studying the lingo of the business. In order to be an informed borrower, however, there are some terms and concepts you should have at least a basic understanding of before you sign on the line for any loan.

Credit cards can seem like an easy way to get the money you need, but as many borrowers find out the hard way, it doesn’t take long racking up credit card debt to prove the phrase, “You’ll pay for that later.” In fact, if you’re only making minimum payments, it can take over a decade to pay off high-interest credit cards.