Your Premier Lending is a solid option for borrowers seeking quick funding. Their competitive rates starting, flexible loan amounts (up to $20,000), and varied terms (2-72 months) offer excellent versatility.
While their customer support is limited to FAQs with no direct question channel, the streamlined application process compensates.
The lack of prepayment penalties is a significant plus, though the high maximum APR (35.99%) may make this option costly for those with lower credit scores.
Your Premier Lending offers competitive rates starting at 5.99% for qualified borrowers, with a reasonable upper APR cap that's in line with industry standards. As a broker service, they don't charge customers directly.
Customer Support
The company primarily relies on FAQs rather than direct customer support channels. As a loan broker, they serve primarily as an intermediary, with most service issues directed to the actual lenders, limiting their direct support capabilities.
Terms and Flexibility
The company provides clear, transparent terms with flexible loan options and repayment periods. While their requirements are straightforward, the lack of specific credit score requirements upfront creates some uncertainty for potential applicants.
Customer Experience
Your Premier Lending offers a streamlined, user-friendly application process with quick funding. The website design is intuitive across devices, though it lacks a pre-qualification option to check potential rates before applying.
Your Premier Lending helps you request a personal loan by connecting you with lenders that match your needs.
We invested 37 hours researching and analyzing Your Premier Lending’s offerings, comparing them to top alternatives in the market.
Pros & Cons of Your Premier Lending
Pros
Quick funding, with loans typically disbursed within one business day after approval
Wide range of loan amounts ($100 – $20,000) to suit various financial needs
Flexible loan terms from 2 to 72 months, allowing borrowers to choose a comfortable repayment schedule
Competitive APRs starting at 5.99% for borrowers with good credit
No prepayment penalties, giving borrowers the freedom to pay off loans early without extra costs
User-friendly online application process, making it easy to apply from anywhere
Cons
No weekend payouts, which may inconvenience some borrowers
Specific credit score requirements not disclosed upfront, potentially leading to uncertainty for some applicants
Who is Your Premier Lending for?
Your Premier Lending caters to a diverse range of borrowers, but it’s particularly well-suited for certain groups.
Requirements must fulfill
Be at least 18 years old
Have a regular source of income
Possess a valid U.S. citizenship and Social Security number
Hold a valid U.S. driver’s license or state ID
Maintain an open bank account for direct deposit
It’s for you if…
Your Premier Lending is an excellent choice for borrowers with good to excellent credit who are looking for competitive rates and quick funding.
It’s especially suitable for those who need flexibility in loan amounts and repayment terms.
It’s NOT for you if…
The high maximum APR could make loans costly for those with lower credit scores.
Additionally, if you need a loan amount exceeding $20,000 or require funding on weekends, you might want to explore other personal loans options.
How to apply with Your Premier Lending
Click on the “Apply Now” button
Before clicking, ensure you have a stable internet connection to prevent interruptions during the application process.
Consider using a desktop or laptop computer rather than a mobile device for easier document uploading.
Fill out the online application form
Be prepared to provide:
Full legal name, date of birth, and Social Security number
Current address and length of residency
Employment details, including employer name, job title, and duration
Annual income and additional sources of income
Monthly rent or mortgage payment
Pro tip: Have your most recent pay stub handy for accurate income reporting.
Submit the required documentation
Proof of income: Last two pay stubs or tax returns for self-employed applicants
Bank statements: Last 60 days of transactions from your primary checking account
Identification: Clear copy of your driver’s license or state-issued ID
Scan or photograph these documents in advance to streamline the upload process.
Wait for the loan decision
While waiting, avoid refreshing the page or starting a new application.
If the decision takes longer than expected, check your email for any requests for additional information.
Review the loan terms and conditions
If approved, pay close attention to:
Annual Percentage Rate (APR)
Loan term length
Monthly payment amount
Origination fees or prepayment penalties
Receive the money
Ensure the bank account details you provided are correct to avoid delays.
Set up account alerts to notify you when the funds are deposited.
Additional tips
Check your credit score before applying to understand your approval odds and potential interest rates.
Gather all necessary documents before starting the application to ensure a smooth process.
Apply during business hours for quicker response to any questions or issues that may arise.
If you’re not immediately approved, ask about conditional approval options or steps you can take to improve your application.
By following these detailed steps and tips, you’ll be well-prepared to navigate the loan application process with Your Premier Lending efficiently and effectively.
FAQs About Your Premier Lending
Is Your Premier Lending legit?
Yes, Your Premier Lending is a legitimate online loan broker. They operate in compliance with relevant financial regulations.
How long does it take to get approved for a loan with Your Premier Lending?
The approval process is typically quick, with most applicants receiving a decision within minutes of submitting their application. However, in some cases, additional verification may be required, which could extend the process.
Can I pay off my Your Premier Lending loan early?
Your Premier Lending is not a lender. Depending on the loan offer you accept, early repayment may be possible.
Before finalizing any loan request, make sure to check the loan terms and conditions.
What credit score do I need to qualify for a Your Premier Lending loan?
While Your Premier Lending doesn’t disclose a specific minimum credit score, borrowers with good to excellent credit (typically 670 and above) are more likely to qualify for the best rates. However, they do consider other factors beyond credit score when evaluating applications.
How does Your Premier Lending compare to traditional banks?
Your Premier Lending often offers a faster and more convenient application process compared to traditional banks. They also may have more flexible credit score requirements for personal loans. However, if you have an existing relationship with a bank, you might receive more personalized service or better rates there.
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At Financer.com, we're committed to helping you with your finances. All our content abides by our Editorial Guidelines. We are open about how we review products and services in our Review Process and how we make money in our Advertiser Disclosure.
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