Loans

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One form, Many great options

Black Insure is directly integrated with leading lending partners who cater to all types of credit. You'll fill out one easy form and get competing pre-approved loan offers back in real time. Our partners all do a soft credit pull so checking your rate won't impact your credit score.

No annoying sales calls

Some sites out there claim to do what Black Insure does but really sell your personal data off to the highest bidder in what’s called a “lead auction.” Chances are, you are not going to find your best loan option from a lender who is willing to pay the most for your data. This is NOT how Black Insure operates!

No annoying robocalls

Black Insure’s loan offer engine integrates with lenders directly, which means you won’t get those incessant robocalls from lead buyers.

No lead auction

We do not sell your personal data off to the highest bidder. We work directly with our lending partners to provide pre-approved offers back in real-time.

Transparent comparison

With Black Insure, you can transparently compare your options and choose the best one for you without any pressure.

The top questions people ask us

You must submit an application and receive approval from a lender to get a loan. After approval, you will receive a lump sum based on your approved amount. You will then repay the loan back, with interest, in equal monthly installments for the length of the loan.

Paying interest is the cost of taking out a loan. Personal Loans have a simple, fixed interest rate on the principal of the loan. To calculate how much interest you will pay over time, multiply your loan principal by your annual interest rate and by the number of years it will take to pay off the loan. You will pay interest as part of your monthly payment. Use our monthly payment calculator to determine how much interest you will pay based on the interest rate and terms of your loan.

A loan is an amount of money that you borrow for a specified length of time. You receive a one-time, lump sum that is paid down through fixed monthly payments with a fixed rate for a fixed term. A line of credit is a borrowing limit extended to you. The funds are available to you up to a pre-assigned credit limit and you have the ability to reuse your line of credit as you repay. Your monthly payment will be based on the amount of the line you have outstanding.

The interest rate is the cost to borrow money from your line of credit. The APR (annual percentage rate) adds in some of the upfront costs of getting the line of credit in addition to the interest, including any lender fees. Santander does not have any upfront fees so the APR and the interest rate are the same

For more FAQs, please click here.

Note: These are general credit card FAQs. We also suggest you read the FAQs for the lender company you decide to move forward with.