Welcome to our Loans area. On Which Way to Pay you can find a loan no matter what your circumstances. We compare numerous types of loans including loans for people with bad credit. It is really worth comparing different loans in order to find the best deal as different loans can greatly differ. Compare loans on Which Way to Pay today in order to find the best price available.


Compare Loan Products

In the United States you can find almost any type of loan. Gone are the days when the only way you could find a loan product was to go to your regular bank today you can find a massive number of loans on the internet. Whether you are looking for a large loan to pay for your home or a small loan to cover your back until payday, Which Way To Pay USA lists a huge variety. See below to get a loan.

Payday Loans

Payday loans have been on the US market for some years and are growing hugely popular in Australia, Canada and the United Kingdom. Payday loans are the perfect way to see through those long weeks until your next payday. With most payday loans you can usually borrow from $80 to $1,000.

A fast cash advance on your next payday, payday loans are not designed to last longer than about a month. Additionally the majority of payday loan lenders can take on almost any kind of borrower. So if you have had problems acquiring a loan in the past, have a bad credit history or any other factor that normally means you cannot get a loan, with a payday loan this is unlikely to stand in your way! It's easy to get a loan.

Bad Credit Loans

Are you finding it difficult to get the personal loan of your choice? Bad credit loans can come to the rescue. In the US, millions of people have problems with their credit history and that means less chance of getting a loan. However, there are now loans for people with bad credit. There are lots of specialist lenders on the market who are happy to take on borrowers with an 'unattractive' credit past

Bad credit loans are usually more flexible than their other 'bad credit' counterpart, payday loans. This means you can find larger borrowing amounts and loans that have longer terms. Take your time to compare the lending companies and different bad credit loans. Remember your loan agreement may ultimately be governed by your state.

Auto Loans

Most Americans have a car or are planning to update an existing one. Paying for it is not always straightforward but with a good auto loan, you can concentrate on the fun part choosing your car! It's easy to get a loan.

Your car dealer might offer a payment package loan to pay for the car in installments but auto loans are often a cheaper way to go and means that you are the owner of the car right from the beginning.

There are a lot of auto loans companies in the US so take your time and choose with care. Compare the main points of different auto loans including the loan rate and any additional fees that might feature.

Personal Loans

Choose from unsecured or secured personal loans depending on your requirements. In the US you can find a wide variety of loan companies and banks that offer personal loans. This might make the loan search seem daunting yet with a simple comparison chart you can check the personal loans main features quickly and easily.

Regardless of your loan needs whether you want to make home improvements or pay for a vacation, you can borrow from $300 to around $10,000 with most personal loans. Note that secured loans might require collateral such as a car or truck, so if you are unable to repay the loan you risk having this asset seized. If you are looking for a way to finance your home, look at our Mortgage Loans area.

Peer To Peer Lending Loans

'Peer To Peer lending', also known as 'p2p loans' or 'Marketplace Lending', is a relatively new way of borrowing money which has disrupted traditional banking and seen speedy growth over the last few years in the USA. Marketplace lenders can be thought of as online financial matchmakers they match borrowers with lenders quickly online. Cutting out banks and building societies, allows marketplace lenders to lower overhead costs, so as a borrower you can get competitive interest rates and more flexible repayment terms.

The interest rate you will receive on your peer-to-peer loan will depend not only on your credit history but also your individual profile. With a p2p loan you will have a 'soft' credit check run on your name when you make your initial enquiry, however, this will not affect your credit score. Lenders will then be able to decide what APR to offer you on the loan. As with all traditional loans, the higher the risk you are to a lender, the higher the APR will be. It is worth noting that even if you have a less than perfect credit score you could still find a lender who is willing to lend to you. Just make sure you check the terms and conditions and APR as this could be higher than you may have expected.

Business Loans

Find the right loan for your business, regardless of whether you are a small start-up or larger business. If you are starting a new venture, business loans can be the ideal way to finance your new ideas and get the ball rolling. There are plenty of business loans available in the US, so no matter where your business is based you should be able to find a good offer.

Before you start applying, make sure that you and your team have gone over the basic considerations of getting one of the loans for businesses that we list. These could include questions such as 'How exactly will the loan be used?' and 'are there any existing business debts to take into the equation?' It is likely that you will need to provide some information about yourself when applying for business loans including previous addresses and any criminal records. Use the Which Way To Pay comparison area to look at the best offers available.

Mortgage Loans

Found your dream home and are looking for a way to pay for it? Mortgage loans allow you to take ownership of your property straightaway, with flexible payment plans over a set number of years. Today you can find specialist mortgage loan companies that offer a range of solutions to paying off your home so take your time to go through the various types of mortgage loans available.

Most people who want to enter the property market have carefully considered the financial aspect a mortgage is a big step so make sure you have worked out your finances in advance.

Mortgage Modification Loans

Are you having problems with your loan payments? Stop a foreclosure from becoming inevitable by arranging a Loan Modification. Via a process of modifying (updating or re-writing) the terms of your existing loan to a more affordable payment. This might involve lowering the interest rate on the loan, or an extension to the loan term.

Most lenders are willing to agree to a loan modification because this is a lower cost for them than a full default. Mortgage modification loans are most popularly used on home loans, and help people avoid being kicked out of their homes.

By modifying your loan, you can have it reinstated and help to relieve your strained finances. Your late fees or penalties may even be waived allowing you to start afresh.

In most cases, Modification loans lenders want to know that you will be able to afford the new loan payments (after modification) so they will need to see some proof of income and of your finances. You may prefer to use loan modification services to help you arrange the process. You can even arrange a loan modification if you are not currently in a delinquent situation.

Military Loans

Are you on active duty as a member of member of the US military? You can apply for a military loan regardless of where you are stationed in the world. By utilizing a simple online application you can acquire military loans from any location and once you receive approval the money will arrive in your US bank account within a short space of time.

Lots of military loans offer loans to people even if they have credit problems. So if you need to borrow between $500 and $10,000 and serve the US as military personnel, start looking for one of the military loans listed on Which Way To Pay! It's easy to get a loan.

Student Loans

Financial Aid, often referred to as Student Loans is any type of assistance used to pay for college costs. Financial Aid generally comes in three forms, Grants and Scholarships, Loans and Work-Study. Most Financial Aid however, comes in the form of Student Loans - this form of aid must be paid back.


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