Wednesday, November 2, 2011

Maximum Interest on Private Loans in New York

Much has been written about how difficult it is now to obtain financing for small businesses. Banks charge high interest rates, and it is tough to qualify even for a bank loan. Angel or VC funding is even harder to come by. So, to secure funding, business owners turn to their friends and family members for loans. Business owners may feel so appreciative of much needed loans, that they may be willing to pay whatever interest they are asked, even if it is 50%.

This blog is to educate the New York residents and business owners as to how much interest they can really charge or be charged on such private loans made by private individuals or corporations (not banking institutions or credit card companies, where separate laws apply).

Charging high interest rates (that exceed the state maximum) is called “loansharking” (as many may be familiar with such term through the movies). In legal jargon, excessively high interest rates are called “usurious”, i.e., illegal. Usury laws regulate within each state the maximum interest rate that may be charged on a money loan. In New York, there are civil law limits found in the General Obligations Law and the Banking Law, and there are criminal law limits, found in the Penal Code.

So, what are the usury limits in New York?

For loans made to individuals, if the loan does not exceed $250,000, the maximum annual civil law interest rate is 16%, and the maximum criminal law interest rate is 25%. For loans between $250,000 and $2.5 million, there is no maximum civil law rate, but there is a 25% maximum criminal law rate. There is no maximum on the interests charged on loans over $2.5 million.

For loans made to corporations, there is no maximum civil law rate of interest, but there is a 25% maximum criminal law interest rate for loans not exceeding $2.5 million.

What happens if the interest rate exceeds the state limit?

If this happens, the entire loan is considered void, and the lender may be denied the right to recover the interest and even the principal. In addition, the borrower may be allowed to recover any “extra” portion of interest that he or she has paid to the lender. If the interest exceeds the maximum criminal usury limit, the lender may face a felony prosecution.

Please note that laws change all the time, and the information in this blog is only accurate as of the time when it was written. Also, this blog does not provide information regarding loans secured by mortgages (where separate rules apply). It is always best to consult a business attorney to check the current usury laws and to prepare the appropriate loan documentation.

This article is not a legal advice, and was written for general informational purposes only.  If you have questions or comments about the article or are interested in learning more about this topic, feel free to contact its author, Arina Shulga.  Ms. Shulga is the founder of Shulga Law Firm, P.C., a New York-based boutique law firm specializing in advising individual and corporate clients on aspects of business, corporate, securities, and intellectual property law.

143 comments:

  1. Excellent post and very helpful. Learn more about online savings account .

    ReplyDelete
    Replies
    1. A MUST READ:

      Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

      Delete
    2. A MUST READ:

      Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

      Delete
    3. A MUST READ:

      Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

      Delete
    4. Greetings to everyone reading this comment!!!

      I am Greg William by name. I am out here to recommend the effort of Mark Oscar,I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Mark Oscar Loan Firm on Wednesday last week and on Friday last week as well I receive an alert from my bank(Royal Bank of Scotland Group) that the fund was transferred,I want everybody on this site to contact Mark Oscar now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now.

      Oscarloanfinance@hotmail.com

      Thanks!!!!!!

      Delete
  2. You need follow bank lending criteria to make sure the contract you have with them will not become null. And I think wherever it is rules are being implemented.

    ReplyDelete
  3. Hi - I have an urgent question regarding usury in New York state. An older family member took out a large loan on three pieces of property he owns. Two are owned by him directly, and one by his corporation. The loan was from a private lender and it was for 1.6 million dollars. The terms were one year at 16 percent. The loan is now in default and he is the final stages of foreclosure. I am assuming that because of the amount and the fact that his corporation is one of the principals on the loan, we could not point to usury at 16 percent. However, I am wondering about 25 percent, and here is how it breaks down: the lender took $350,000 at the closing for prepaid interest (that is more than 16 percent, it is around 21 percent, and I am assuming that this is for points. Nothing is stated in the closing statement or mortgage specifically.) And then, a broker and my relative's attorney (who I believe to be crooked), both took large fees on the deal. The broker received $48,000 and the attorney received $125,000. I do not think the attorney can claim that just in legal fees, and that he too took points. NEITHER the broker nor the attorney are licensed real estate brokers. I do not know enough about New York usury law, and information online is limited, but I have read in California that an unlicensed broker cannot fall under the usury exemption and that those fees can sometimes be considered additional interest. If so in this case, we would reach the 25% needed of 1.5 million. Does anyone know if we could claim those broker and attorney fees as interest points? It is a matter of great urgency, and any advice would be appreciated. My name is Allan and my email is Primpx2@aol.com if anyone could respond. Many thanks.

    ReplyDelete
  4. Hi, I'm an small business entrepreneur and like to add something. I think the interest of small business loans should be lower. But remember, securing a loan isn’t the end of the game. Lenders will also track the performance of your loan and the financial health of your business. So entrepreneurs need to maintain a positive relationship with their lenders. The good news is that the best lenders provide small businesses with more than a large chunk of change. They are also a valuable resource and financial advisor.thanks!~ Christina

    ReplyDelete
  5. Your contents are too straightforward to browse and easy to understand.
    debt consolidation loan

    ReplyDelete
  6. You people have actually provided the best blogs that are easy to understand for the folks.
    low apr loans

    ReplyDelete
  7. Then we try to find out business loan in a short rate. For this reason Life House is a great solution for small business.

    ReplyDelete
  8. Well it is a nice rule that the lender will not be getting any loan or interest if he charged the interest rate highly that cross the limits.
    CA payday loans

    ReplyDelete
  9. I have been really impressed by going through this awesome blog.
    www.autoloanseattle.net

    ReplyDelete
  10. Very advisory and effective collection of stuff.lexington law firm

    ReplyDelete
  11. a friend bought his mechanics tools through a tool company's credit limited liability company. The annual percentage rate is 24.89%. Can this possibly be legal?

    ReplyDelete
  12. Top rated blog. We offer low rates for great and poor credit, and loan up to £500k, apply today for a choice inside 25 minutes on a mortgage holder advance. Not everybody who seeks an advance with us will be acknowledged. Yet we attempt our most noteworthy to oblige each candidate, even with poor credit. There are a couple of prerequisites we have to formally offer you a secured advance on your property. 1 is that you must demonstrate a capacity to pay the credit reimbursements inside the time space picked. You must be utilized (PAYE) or independently employed, or have an altered salary, be over 21 and from UK (Limited choices for Scotland and Ireland). Each one case we assess on its own singular legitimacy, which is uplifting news for you as we have the capacity to allow aspirants from almost any nature's turf, as long as you have enough value inside your benefit. The personalised APR charged, and our fitness to settle on practically instantaneous choices, are only 2 reasons why thousands every year pick us when searching for secured advances to back their next move in life. thanks~ Pamela Anderson

    ReplyDelete
  13. This comment has been removed by the author.

    ReplyDelete
  14. Wonderful post guys, I have been impressed by reading this.
    Prescott Financial

    ReplyDelete
  15. This is really pretty cool place I like it because it has everything I want more on this blog soon.
    bubblegum casting reviews

    ReplyDelete
  16. Here at this site really the fastidious material collection so that everybody can enjoy a lot. bubblegum casting reviews

    ReplyDelete
  17. congratulations guys, quality information you have given!!!
    auto insurance companies

    ReplyDelete
  18. I have got the superb information from these blogs finally.auto insurance rates

    ReplyDelete
  19. I have been dotty by reading your blog because it has a unique data. ny criminal defense lawyer

    ReplyDelete
  20. I thought haven’t read such distinctive material anywhere else on-line. criminal lawyer ny

    ReplyDelete
  21. I’ve been admirer of your website because I have got the great articles here. click here

    ReplyDelete
  22. You've got finished a stunning job with you website. click here for info

    ReplyDelete
  23. I never ever read such type of info before this was really incredible. click over here

    ReplyDelete
  24. Never found such informatory contents.

    Click This Link

    ReplyDelete
  25. Congratulations guys, quality information you have given!!!
    life insurance after retirement

    ReplyDelete
  26. car insurence
    Excellent quality articles are here. This is good site with useful info.

    ReplyDelete
  27. compare auto insurance rates
    Excellent quality articles are here. This is good site with useful info.

    ReplyDelete
  28. I got this blog site through my friends and when I searched this really there were informative articles at the place.

    click reference

    ReplyDelete
  29. That’s really a nice one, I have seen many blogs but they are outdated so I’m pleased to see this blog now.

    best credit

    ReplyDelete
  30. I’m soooo happy through your blog posts, and waiting for the upcoming posts.Homepage

    ReplyDelete
    Replies
    1. A MUST READ:

      Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

      Delete
  31. Your articles and blogs are inspirational.Home Page

    ReplyDelete
  32. The blog is good enough, keep up writing such type of posts. phlebotomy training

    ReplyDelete
  33. If you really desire to get such type of information, visit this blog quickly. phlebotomists

    ReplyDelete
  34. Superb posts with lots of information!!! This is really the most miraculous blog site dude….
    delaware payday online loans

    ReplyDelete
  35. A great job you have already done. I’m really delighted to see your amazing work.
    payday lenders in delaware

    ReplyDelete
  36. This blog is very informative the stuff you provide I really enjoyed reading.
    select my shaver reviews

    ReplyDelete
  37. Fastidious blog you’ve got here. I’ve ever been seeing you just about many blogs recently. Braun Series 7- 790cc

    ReplyDelete
  38. Fastidious blog you’ve got here. I’ve ever been seeing you just about many blogs recently. Braun Series 7- 790cc

    ReplyDelete
  39. It feels awe-inspiring to read such informative and distinctive articles on your websites.

    click here

    ReplyDelete
  40. I envisage feeling to have the increase that your knowledge.

    Braun 3Series 380S-4

    ReplyDelete
  41. congratulations guys, quality information you have given!!! Kansas City SEO

    ReplyDelete
  42. If you are a new net user afterward you need to visit constantly this web page and read more the updated posts at same here.
    Philips Norelco 1160X

    ReplyDelete
  43. Many thanks! For sharing such type of blogs. That’s a great help of me. Hope you must keep on updating the latest posts…Philip Norelco AT830 Review

    ReplyDelete
  44. Thankfulness to my dad who informed me relating to this blog, this website is really amazing.
    live incurance

    ReplyDelete
  45. Every week-end I used to pay a fast visit this site, because I’d like enjoyment, because this web site conations certainly fussy material.
    advance loans online

    ReplyDelete
  46. This info you provided in the blog that was really unique I love it!!! 2007 mens summer fashion

    ReplyDelete
  47. Outstanding efforts for making this blog!! Your writers and your work are really appreciative. buying facebook likes

    ReplyDelete
  48. Outstanding efforts for making this blog!! Your writers and your work are really appreciative. buying facebook likes

    ReplyDelete
  49. I love really this blog site because it provides me the big deal of superb information.
    vivint home security

    ReplyDelete
  50. When I searched the blogs suddenly I saw this one and when I read it, amazing stuff out there that compelled me to comment.

    lifeshield security reviews

    ReplyDelete
  51. This is an informative blog by which I have got that info which I really wanted to get. multiple url opener

    ReplyDelete
  52. I have sent your articles links to all my contacts and all of them liked it including me as well. best home security systems

    ReplyDelete
  53. I have sent your articles links to all my contacts and all of them liked it including me as well. best home security systems

    ReplyDelete
  54. I would be supportive on all your articles and blogs as a result of they are simply up to the mark.

    vivint security reviews

    ReplyDelete
  55. This is surely a very good blog, thanks a lot for sharing such nice information here.
    vivint review

    ReplyDelete
  56. Good reminder about the fact that laws do change.

    ReplyDelete
  57. I'd like to take the power of thanking you for that specialized guidance I've constantly enjoyed viewing your blog. best electric razor

    ReplyDelete
  58. I'd like to take the power of thanking you for that specialized guidance I've constantly enjoyed viewing your blog. best electric razor

    ReplyDelete
  59. Your writers are extremely fantastic that have made easy to understand everything for us. loans in kentucky

    ReplyDelete
  60. auto insurance quotesI think I have never seen such blogs ever before that has complete things with all details which I want. So kindly update this ever for us.

    ReplyDelete
  61. The stuff written in the blogs have allured me!!! online payday loan lender

    ReplyDelete
  62. This comment has been removed by the author.

    ReplyDelete
  63. Excellent quality articles are here. This is good site with useful info.
    senior life insurance rates

    ReplyDelete
  64. This is really pretty cool place I like it because it has everything I want more on this blog soon.
    pay day advance on la brea ave los

    ReplyDelete
  65. Amiable articles and the blogs really helped me a lot, thanks for the valuable information.
    49 mod

    ReplyDelete
  66. I have visited lots of the blogs but this blog is truthfully wonderful.
    cost of car insurance

    ReplyDelete
  67. Credit repair is a pretty popular topic right now. It’s a fact that you credit can impact everything from your insurance premiums to the job you have.Bankruptcy advice is everywhere. Credit repair clinics.Bad Credit Loans law firms and counselors offer services to those who interested in improving or protecting their credit scores. Be careful when deciding who you choose to deal with your sensitive information.Best Business Credit Repair We provide all the documents and paralegal support if you want to challenge your own credit.The documents we provide in our credit repair kit willImprove D and B score assist you in correcting most any type of inaccuracies with proven results.

    ReplyDelete
  68. An enormous round of applause, continue the great work. lifeshield reviews

    ReplyDelete
  69. An enormous round of applause, continue the great work. lifeshield reviews

    ReplyDelete
  70. If you should be opting for finest contents like me, just visit this blog site daily because it provides the feature contents, thanks. garcinia cambogia extract

    ReplyDelete
  71. This is really pretty cool place I like it because it has everything I want more on this blog soon.

    easy faxless

    ReplyDelete
  72. I think I have never seen such blogs ever before that has complete things with all details which I want. So kindly update this ever for us.
    get pay day loan

    ReplyDelete
  73. Your writers are extremely fantastic that have made easy to understand everything for us. Panasonic ES-LA93-K/ESLA63-S Arc 4 review

    ReplyDelete
  74. Your writers are extremely fantastic that have made easy to understand everything for us. Panasonic ES-LA93-K/ESLA63-S Arc 4 review

    ReplyDelete
  75. Do you need a Loan?
    Are you looking for Finance?
    Are you looking for a Loan to enlarge your business?
    I think you have come to the right place.
    We offer Loans atlow interest rate.
    Interested people should please contact us on
    For immediate response to your application, Kindly
    reply to this emails below only:
    mohamendloanservice@gmail.com

    Please, do provide us with the Following information if interested.
    1) Full Name:.........
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8)Monthly Income:.....................
    9)Occupation:...........................
    )Which site did you here about us.....................
    Thanks and Best Regards.
    mohamendloanservice@gmail.com

    ReplyDelete
  76. Do you need a Loan?
    Are you looking for Finance?
    Are you looking for a Loan to enlarge your business?
    I think you have come to the right place.
    We offer Loans atlow interest rate.
    Interested people should please contact us on
    For immediate response to your application, Kindly
    reply to this emails below only:
    mohamendloanservice@gmail.com

    Please, do provide us with the Following information if interested.
    1) Full Name:.........
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8)Monthly Income:.....................
    9)Occupation:...........................
    )Which site did you here about us.....................
    Thanks and Best Regards.
    mohamendloanservice@gmail.com

    ReplyDelete
  77. Do you need a Loan?
    Are you looking for Finance?
    Are you looking for a Loan to enlarge your business?
    I think you have come to the right place.
    We offer Loans atlow interest rate.
    Interested people should please contact us on
    For immediate response to your application, Kindly
    reply to this emails below only:
    mohamendloanservice@gmail.com

    Please, do provide us with the Following information if interested.
    1) Full Name:.........
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8)Monthly Income:.....................
    9)Occupation:...........................
    )Which site did you here about us.....................
    Thanks and Best Regards.
    mohamendloanservice@gmail.com

    ReplyDelete
  78. rates for life insurance for seniorsExcellent quality articles are here. This is good site with useful info.

    ReplyDelete
    Replies
    1. A MUST READ:

      Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

      Delete
  79. auto insurance massachusetts
    If you really desire to get such type of information, visit this blog quickly.

    ReplyDelete
  80. You entirely go with our expectation and the range of our information. lexington law firm

    ReplyDelete
  81. Replies
    1. A MUST READ:

      Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

      Delete
  82. You entirely go with our expectation and the range of our information. lexington law firm

    ReplyDelete
  83. Do you have bad credit or in need of urgent loan to solve a pressing need? We lend secured and unsecured loans to honest and reliable individuals and companies globally at 3% interest rate. Here is the solution to your financial problem, contact us today via email: musaddiqloanlending@gmail.com

    ReplyDelete
  84. Hello Every One, My Name is Mrs Cililer Martina i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my son encountered a terrible accident last weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again, and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mrs Mary James who provides loans at an affordable interest rate and i have been hearing about so many scams on the internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $150,000 USD and i payed for my son surgery and thank GOD today he is okay and can walk and is working and the burden is no longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mrs Mary James and i will advise anyone in genuine and serious need of loan to contact this GOD fearing woman via email.maryjamesloanfirm3@gmail.com and i want you all to pray for this woman for me.

    THANKS

    Mrs Cililer Martina

    ReplyDelete
  85. This is Mrs. Mary James Loan Company that was set up by Mrs. Mary James. It is an established institute set up to help our fellow human being and also those passing through financial problems And also the Unbelievers, it is a well known Mrs. Mary James Loan Company and established by Mrs. Mary James to help the whole wide world from financial crises. Mrs. Mary James with 13years experience and who has record tremendous success is ready to put an end to that your financial problems we give out loan from the duration of 1 to 30 years and from the range of 1000USD to 75,000,000USD. The most important part is our rate of interest which is brazed on 3% and we give a well calculated and repayment schedule to all our applicant world wide. We offer loan as: Lending money for the purchase of home or apartment Lending money for investment or other agricultural Lending money for the purchase of motor car etc ... Ready to refund money Loan money to a project Ready money for all purchases. And all kinds of loan you wish to apply for. So.if you are in need of a loan today,contact us via;maryjamesloanfirm3@gmail.com

    Mrs. Mary James

    ReplyDelete
  86. Dear Loan Seekers,
    We are Cheng Loans Finance! We offer loans to Individual & Companies in need of financial assistance (Loan) at 2% interest rate for the duration of 1 to 25 years. Do you need a loan without stress or delay? Have you been turn down by your local banks? We offer International & Local Loans to interested clients for the amount of $5,000 USD to $100,000,000 USD OR (EUR, GBP, KWD, SGD, MYR), apply with us and get your loan approved without stress: Interested person should contact us via E-mails: {chengloansfinance@yahoo.com.sg} OR {gohcheng444@gmail.com}

    ReplyDelete
    Replies
    1. A MUST READ:

      Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

      Delete
  87. My Name Is Mrs Helley Jenna I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Tarton Loan Company I was referred to by my cousin,who is by name,Mr.Shepherd Luis Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $78,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan company at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Beliana) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is Mr Tony Harton, Feel free to email him at his via Email:tonyharton32@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

    Mrs Helley Jenna

    ReplyDelete
  88. car liability insuranceI think I have never seen such blogs ever before that has complete things with all details which I want. So kindly update this ever for us.

    ReplyDelete
  89. life insuaranceIt's been good to see your blog when I always look for such type of blogs. It’s great to discover the post here.

    ReplyDelete
  90. payday loan nj storeThis is very essential blog; it helped me a lot whatever you have provided.

    ReplyDelete
  91. Hello!

    Do you need financial help?

    Apply now for all kinds of loans and get money urgently!

    * Appointments loan amount ranging from $ 5,000 to $ 5,000000.00
    * The interest rate is at 3%
    * Choose between 1 and 20 years of repayment.
    * Choose between Monthly and annual repayment plan.
    * Terms and conditions of the loan flexibility.

    All these plans and more, please contact us.

    Email: Zopadepartment@gmail.com

    Sincerely
    Management
    Zopa Department

    ReplyDelete
  92. The stuff in the blogs blows out my mind. hajj packages

    ReplyDelete
  93. Your blog is extremely brilliant especially the quality content is really appreciable.
    umra package

    ReplyDelete
  94. This comment has been removed by the author.

    ReplyDelete
  95. auto body repairNow this is in actual fact cooperative. It’s very openhanded of you to share this with us.

    ReplyDelete
  96. Your blogs and its stuff magnetize me to return again n again.green coffee bean extract

    ReplyDelete
  97. Churidar suits
    That’s a nice site you people are carrying out there.

    ReplyDelete
  98. Salwar kameez sale
    That’s a nice site you people are carrying out there.

    ReplyDelete
  99. Your blogs and its stuff magnetize me to return again n again.

    Elevator Shoes

    ReplyDelete
  100. Height Increasing Shoes
    This is really pretty cool place I like it because it has everything I want more on this blog soon.

    ReplyDelete
  101. Height Increasing Shoes
    This is really pretty cool place I like it because it has everything I want more on this blog soon.

    ReplyDelete
  102. Modern times when internet has so much facility of gossip and stuff, your articles have awfully refreshed me.
    adt security

    ReplyDelete
  103. Modern times when internet has so much facility of gossip and stuff, your articles have awfully refreshed me.
    adt security

    ReplyDelete
  104. vivint security reviews
    Hey to everyone, it’s my first visit of the blog site; this blog includes awesome and actually best info for the visitors.

    ReplyDelete
  105. Great blog post! I don’t understand how long it will require me to obtain through all of them!
    car insurance quotes comparison

    ReplyDelete
  106. This is really pretty cool place I like it because it has everything I want more on this blog soon.
    best whole life insurance

    ReplyDelete
  107. Great blog post! I don’t understand how long it will require me to obtain through all of them!
    payday loans 77014

    ReplyDelete
  108. This comment has been removed by the author.

    ReplyDelete



  109. Hello

    You are welcome to HARLEM DAVIDSON LOAN FIRMS, is an independent financial
    institution. We have built up an excellent reputation over the years
    in providing various types of loans to thousands of our customers. We
    Offer guaranteed loan services of any amount to citizens and
    non-citizens at 3% interest rate per year. At HARLEM DAVIDSON LOAN FIRMS, we
    offer easy personal loans, commercial/business loan, car loan,
    leasing/equipment finance, debt consolidation loan, home loan, for all
    citizens and non-citizens with either a good or bad credit history. If
    you are interested in our above loan offer, let HARLEM DAVIDSON LOAN FIRMS
    assist you today... by filling the below information and returned back to us
    for more details
    Via Email==-harlemdavidsonloanfirms@gmail.com
    APPLICANT'S DETAILS:

    * Name Of Applicant:
    * Address Of Applicant:
    * City:
    * ID Number:
    * State:
    * Country:
    * Gender:
    * Marital Status:
    * Age:
    * Monthly Income Rate:
    * Occupation:
    * Tel:/ Mobile:
    * Mobile:
    * Amount Requested:
    * Loan Duration:
    *Purpose for Loan;
    * Email:

    Best Regards

    Mr Harlem Davidson

    C.E.O OF HARLEM DAVIDSON LOAN FIRMS

    ReplyDelete
  110. life shield reviews
    These blogs and articles are fully good enough for me.

    ReplyDelete
  111. life shield reviews
    These blogs and articles are fully good enough for me.

    ReplyDelete
  112. We offer Business funds and Personal funds to anybody above 18 years with low interest rate If you are financially stressed, You have no more problem again because I will surely solve your financial stress with ease. This funds company can be trusted because of our vast experience over the years, Serious Applicant should contact us through email: diskanke@gmail.com

    ReplyDelete
  113. Good Day We are Muslim Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks, Please these is for serious minded and God fearing People mohammedaliuloanfirm@outlook.com

    ReplyDelete
  114. Your blogs and its stuff magnetize me to return again n again.
    page rank

    ReplyDelete
  115. I've seen rates in other places that are just ridiculous. I have to wonder if there is no regulation of the loans that are made there.

    ReplyDelete
  116. Now this is in actual fact cooperative. It’s very openhanded of you to share this with us. payday loans

    ReplyDelete
  117. best dog food
    I have never been to such type of posts before truly remarkable stuff it has.

    ReplyDelete
  118. home security systems reviews
    Fascinating information I haven’t been experienced such information in quite a long time.

    ReplyDelete
  119. Are You In Need Of A Private Or Business Loans At 2% Rate For Various Purposes? If Yes; Contact us with this details below take note we give out from $20,000.00USD to 10million USD
    Full Name:
    Amount Needed:
    Duration:
    Country
    Cell No:
    Sex:
    contact us via email fasterloanservice@gmail.com
    Best Regards
    Mr.Marsha Goodman

    ReplyDelete





  120. No social security and no credit check, 100% Guarantee. All you have
    to do is let us know exactly what you want and we will surely make
    your dream come true. JAMES WALTON LOAN COMPANY. says YES when your banks say
    NO. Lastly, we fund small scale loan firm, intermediaries, small scale
    financial institutions for we have unlimited capital. For further
    details to go about procuring a loan contact us, Kindly respond
    immediately to this Email... (jameswaltonloancompany@gmail.com)

    BORROWERS INFORMATION'S:
    First Name:
    Last Name:
    Country:
    Contact Address:
    Current Position Held at Place of Work:
    Monthly income:
    City/Zip Code:
    State:
    Gender:
    Date of birth (yyyy-mm-dd):
    Nest of kin:
    Tel:

    LOAN INFORMATION
    Amount Needed:
    Purpose For The Loan:
    Loan Term & Duration:
    Telephone:
    Name Of Company (For company owners)::.....
    Your international pass sport or drivers license is:
    Have you applied for loan before (yes or no)..

    Best Regards.

    Mr James Walton

    C.E.O

    ReplyDelete
  121. If getting a legit loan online was that easy as stated in all this frabicated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about $16,000 United State Dollars ? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of despiration to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders decieved my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our buisness over here in ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had conluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew himfrom the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called THE WINONA MILLARAY LOAN FOUNDATION but prior to our application with this email address : winonamillarayloanfoundation@linuxmail.org , that he provided to us we quickly lookup this loan company in google so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress .
    Ahana Enaney from ireland .


    ReplyDelete
  122. My name is Antoni Bolek and i am from poland , warsaw. after randomly searching online for things about accerdited online loan lenders i found this article about the
    Queeneth Stark Loan Agency which stated on how the Queeneth Stark Loan Agency has been of great help to others who were in need of loan both in time past and in the now . its crazy that i got scammed of $ 3000 Dollars by an online loan lender in time past and this was why i became even more careful this time in getting this my student loan as i needed to contiune my education at all cost by getting a loan from any legit and accredited online lender because my dad is late and my mum was financially unstable to take up with my educational expenses because i had my youngers once whom she was catering for . i decided to apply with this loan agency of a loan amount of $25 ,000.00 United State Dollars becauswe i was in desperate need of a loan but amazingingly and by the grace of God almighty in heaven .. i got this loan funds swiftly and immediately after49 hours of my application and this is why i want to reccomend this loan council to every one on this forum who are also in dire need of loan too just as the way i was some few months ago and there email address is here just incase you wanna contact them too for any type of loan mrsqueenethstarkloanagency@admin.in.th

    ReplyDelete
  123. My name is Antoni Bolek and i am from poland , warsaw. after randomly searching online for things about accerdited online loan lenders i found this article about the
    Queeneth Stark Loan Agency which stated on how the Queeneth Stark Loan Agency has been of great help to others who were in need of loan both in time past and in the now . its crazy that i got scammed of $ 3000 Dollars by an online loan lender in time past and this was why i became even more careful this time in getting this my student loan as i needed to contiune my education at all cost by getting a loan from any legit and accredited online lender because my dad is late and my mum was financially unstable to take up with my educational expenses because i had my youngers once whom she was catering for . i decided to apply with this loan agency of a loan amount of $25 ,000.00 United State Dollars becauswe i was in desperate need of a loan but amazingingly and by the grace of God almighty in heaven .. i got this loan funds swiftly and immediately after49 hours of my application and this is why i want to reccomend this loan council to every one on this forum who are also in dire need of loan too just as the way i was some few months ago and there email address is here just incase you wanna contact them too for any type of loan mrsqueenethstarkloanagency@admin.in.th

    ReplyDelete
  124. best remington shaver review
    The Info in the blog is out of this world, I so want to read more.

    ReplyDelete
  125. AFFORDABLE LOAN NOW AVAILABLE @ ICC Mortgage And financial Services, Is a sincere and certified private Loan company approved by the Government, we give outinternational and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients.

    Our loan interest rates are very low and affordable with a negotiable duration.Available now MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly installment payments.

    FOR MORE INFORMATION:
    Email morethanlending@gmail.com

    Thanks
    Eric Jones
    646) 580-4839

    ReplyDelete