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Wonga.com is transforming the South African credit market by offering small, short term loans online with more speed, convenience and flexibility! Great Plains Lending also does a great job when it comes to the duration of the loan. Most other tribal lenders try to wrap up a loan within six or nine months but Great Plains is willing to go beyond 18 months. This is a flexibility which most other online lenders wouldn't even dream of. Do not be afraid to negotiate for better loan terms since you are putting up a collateral to secure your loan. Even though you have poor credit, there is little risk for the lender so do not let them elbow you into signing an unfair loan contract. With cheaper rates, you can ask for a $10,000 long term bad credit secured loan up to 60 months and it will not be too expensive. Use this opportunity to pay on time and rebuild a good credit history showing you are a responsible borrower. When your credit score improves significantly, you can refinance all your existing loans for cheaper rates.
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