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  Aspen Financial Direct Personal Loans

Aspen Financial Direct Personal Loans

in Personal Loans from Aspen Financial Solutions, Inc

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Aspen Financial Direct Personal Loans

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in Personal Loans from Aspen Financial Solutions, Inc

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Highlights
Highlights
Loan Amount $500 - $5,000
APR  (Fixed APR) 112% - 275%
Loan Term 12 - 24 months

Aspen Financial Direct Personal Loans Review

Aspen Financial Direct Personal Loans is offered by Aspen Financial Solutions, Inc, a direct lender founded in 2018 and based in Santa Fe, NM. Aspen Financial Direct Personal Loans is available in 12 states across the USA.

What rates and terms does Aspen Financial Solutions, Inc offer?

Aspen Financial Solutions, Inc has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Aspen Financial Solutions, Inc offer?

Aspen Financial Solutions, Inc offers a fixed APR personal loan product that ranges from 112% APR up to 275% APR. Interest rates vary by state.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Aspen Financial Solutions, Inc?

Loan amounts start at $500 and go up to $5,000.

What can a personal loan from Aspen Financial Solutions, Inc be used for?

Personal loans from Aspen Financial Solutions, Inc are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with Aspen Financial Solutions, Inc?

Aspen Financial Solutions, Inc offers personal loans with terms ranging from 12 to 24 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Aspen Financial Direct Personal Loans Rates & Terms
Loan Amount $500 - $5000
Loan Term 12 - 24 months
APR 112% - 275%

What fees does Aspen Financial Solutions, Inc charge?

Do Aspen Financial Direct Personal Loans charge an origination fee?

Aspen Financial Direct Personal Loans do not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Do Aspen Financial Direct Personal Loans charge a late fee?

Yes, Aspen Financial Solutions, Inc may charge borrowers a late payment fee

Do Aspen Financial Direct Personal Loans charge prepayment fees?

No, Aspen Financial Direct Personal Loans do not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Aspen Financial Direct Personal Loans Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for Aspen Financial Direct Personal Loans?

Applicants with a credit score of at least 300 and up to 850 are eligible for Aspen Financial Direct Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Aspen Financial Direct Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Aspen Financial Direct Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Aspen Financial Direct Personal Loans product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Aspen Financial Direct Personal Loans. Permanent resident / green card holders are also eligible to apply. An uncommon feature is for lenders to offer their services to non-residents. Aspen Financial Solutions, Inc is one of the few that does. If you are a non-resident looking to access these services through an entity incorporated in the U.S., you are in luck. Aspen Financial Direct Personal Loans will consider you for their services.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Proof of income
  • Proof of identity
  • Proof of residence
Aspen Financial Direct Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Credit Score 300 - 850

What is the estimated funding time for a personal loan via Aspen Financial Solutions, Inc?

Aspen Financial Solutions, Inc will typically approve (or deny) a loan application within 1 hour and fund personal loans within 10 business days of approval.

Does Aspen Financial Direct Personal Loans report your account activity to credit bureaus?

Aspen Financial Direct Personal Loans reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   2550 Cerrillos Road
    Santa Fe, NM 87504
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday Closed

About Aspen Financial Direct Personal Loans

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 12 states
  • Alabama
  • California
  • Delaware
  • Idaho
  • Illinois
  • Mississippi
  • Missouri
  • New Mexico
  • North Dakota
  • South Carolina
  • Utah
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Checking Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • Non-Residents Through Entities Incorporated in the U.S.
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Military Status
  • Non-Military
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Verification Documents Required
  • Proof of Identity
  • Proof of Income
  • Proof of Residence
Funding Time Range (in days) 1 - 10
Approval Speed (Hours) 1
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Payment Options
  • Automatic Payments
  • Bank Transfer
  • Check by mail
Loan Amount $500 - $5K
APR (Fixed APR) 112% - 275%
Loan Term 12 - 24 months

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