We’ve told you about a lot of different kinds of personal up to 1000 dollar loans, but you may be wondering what you should look for in each individual loan company and how you should evaluate a loan offer. With so many options, we want to help you find the right fit for your personal situation.

First you need to evaluate the personal loan company. Do they look like a legitimate, established business? Do they have a nice website with an ‘about us’ section that explains their origins? Are the terms of their loans clearly explained on the website? Will they let you speak to a live person if you have questions? These are all important qualities in a personal loan company. If the answer to any of these questions is no, then move on. Find a company you can trust and feel comfortable with. Most importantly, find a company that will work directly with you and answer your questions. You don’t want to be in the dark when it comes to your money!

Once you’ve found a company that is trustworthy, you will need to evaluate the terms and conditions (i.e. https://www.lendme1000.com/tou.html) of the loans they offer. First, you need to research the requirements to qualify for a loan. Do you need to be a certain age? Do you need a proven source of income or an active bank account? Some loans require collateral such as jewelry or a vehicle that you own outright. Are these assets that you are willing to put up for your personal loan? Be wary of loan companies that have little or no prerequisites for a loan. A legitimate company will set you up for success and make sure you have the means to pay back your loan. You need to weigh these requirements against your financial situation and needs. Loans are like any customized product; if the first one you look at doesn’t fit you, try another that does.

After you’ve figured out whether a loan fits your life, you will fill out an application either online or in person, and if you’re approved you will receive a loan offer. The first aspect of the loan you should notice is the interest rate. This should be spelled out for you in an easily comprehensible manner. You should do your research and shop around for the best possible rate. Also, make sure you know all the details! If the interest rate goes up throughout the lifetime of the loan, consider other offers. If you are heavily penalized for paying off a loan early, you should also look elsewhere. Again, a trustworthy loan company will not set you up to fail. They’ll create a transparent system that allows you to pay off your loan.

Next, you’ll want to check out the payment schedule. If it’s a payday loan, you’ll most likely pay the whole amount at once with the option to roll over. For one-time emergency expenses this can work out well. If it’s a small personal loan, you may have up to six months or a year to pay it off. Be sure to read all fine print. Some companies might vary payment amounts unexpectedly, and you’ll want to avoid a situation where you are surprised by a deduction from your bank account. Make sure whatever the payment schedule is, it fits your budget. If it doesn’t, try speaking with your lender. They should try to make the loan fit your financial situation. If they’re unwilling to budge, you should look for another lender.

In the end, a good lender will make sure everyone leaves happy. You get the money you need in a timely manner, and you’re able to pay off your loan while staying within your budget. If your lender doesn’t fit these criteria, keep looking. As we’ve shown, there are many different options for personal loans; it’s just a matter of finding one that fits your financial situation.


Which they did with their SA4400 for years. This was the smoke ‘n mirrors document that admitted that the average “active” distributor earned $88/month (later reduced to $65. . .). However, you had to read carefully to find out how “active ” was defined. . . then you had to read even more carefully to see that they tried to make it look like a lot of people went Direct (Platinum) when the reality is about 0.88%. . .

After QQixtar started, they got FTC permission to distribute the earnings information through media other than the printed SA4400. But the FTC does NOT write the material for them, nor does the FTC “approve” it as many people seem to think. They simply require that accurate disclosures be made.

And the SA4400, while it may have been accurate, was extraordinarily misleading.


It’s funny how ar-bots look down on the average joe. I can tell you right now that i’m saving alot more money than when i was involved with ARway. I don’t care what these distributors say about working for a living. I can tell you that i probably sock away more money and can retire faster working for a living..than with any get rich quick mlm-scheme.


He will collect the data and bring it to his RVP’s office. The RVP will run the data through a “one product fits all” computer program, and come back with suggestions. His suggestions may be dependent on what licenses he holds.

“He is coming over tonight, and I want to be armed with ammunition. What can I expect?”

Expect hype and more hype. He will try to recruit you either tonight or when he comes back with your computer analysis. He may try to discourage you in your job.

“What will he talk about or say? Will he ask for all our assets and debts?”

He’ll talk about Citigroup and try to imply that because Primerica is part of it, that somehow makes it a trustworthy company.
He talk about how banks are ripping people off, but forget to mention that Citibank has some of the highest fees in the country. He’ll talk about life insurance and try to get you to buy an expensive term policy or to cash in your cash value life policy, if you have one, and put the cash values in a mutual funds. The mutual funds carry either a 5% sales charge or decreasing 5 year deferred sales charge. He may try and sell you Pre-Paid Legal insurance. He will also want you to consolidate your loans, if you have any.
Primerica uses CitiFinancial, which is a sub-prime lender.
Even if you qualify for prime rates, you may end up with a subprime loan.

“What is Primerica?”

It’s an marketing. It was started by A.L. Williams in 1977 and purchased by Primerica Corp. in 1990. They are distributors of financial services products. According to their official website, they are not financial planners or advisors or specialists. In fact, the analysis they will give you has disclaimers at the end which say, in effect, we are not advising you to go with this plan, interest rates may be higher, it may do more harm than good, etc.

“Any advice is very much appreciated.”

Is this person new to the company? If so, then he probably called and said something like “I just started a new business and want to get your opinion.” So, listen to the presentation, and then give him your opinion, and say thanks for coming.

If he is licensed and experienced and has been in it for some time, he will ask you rhetorical questions which only have one answer. These questions are very leading and will eventually lead to the question “Then why won’t you do this?” At that point you need to have some answers. I suggest you say “Because I’d like to research the company on my own.” At which point he will likely invite you to a meeting. The meetings are like Amway meetings, designed to get endorphins flowing so you will enter into a contract and part with $199. Just hold your ground. Tell him you’ll consider the meeting after you  o some research.