To hear the banks tell it, there is only one place to borrow money: from the banks. They do not want you to use a private lender. They do not want you to know that no matter where you live, there are several private lenders close by who want to do business with you.

That’s right, no matter where you live in America, there is a private lender near to you! How can we be so sure? Because right now there are more small or independent lending businesses than there are McDonalds or even Starbucks.

The big banks become more and more out of touch with working class Americans, while the smaller businesses are becoming more responsive. The era of the dinosaur banks is coming to a close, and we are entering the age of the private lender.

What Makes a Private Lender a Good Choice?

Imagine, if you will, that the American banking system is one huge network. All of the major lending institutions are connected together. The banks have different names and addresses, but they all work together.

They share your credit score, they share your credit history, they even share your credit information with one another. Basically, this means if one bank won’t give you a loan, none of the other banks will either.

The rich get richer, but the poor have to keep struggling.

And here is where the private lender comes in.

This lender is not a part of this massive network. This kind of lender deals directly with its customer base, and does not check with the big banks to dig through your credit history. Most private lenders don’t even want to know your credit score, no matter how good or bad it may be.

Break Free of the Big Banks

It’s pretty common for the old fashioned system of big banks to let you down. But these smaller lending businesses are not a part of the system. They exist to help people with bad credit get the cash they need, when they need it.

This isn’t to say that the big banks don’t have their good qualities. The size and volume of money moving through these banks allows for a lower APR. So if you can get approved, these loans will cost you a little less.

But if the big banks won’t help you, you still have options! You still have hundreds, or even thousands, of different businesses that would walk through fire just to lend you some money.

So if the banks can’t help you – or won’t help you – don’t despair! Try a private lender, they may just have the answer to your problems.

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