1500 Online Personal Loan – Ottawa–Gatineau Ontario


fastpersonalloanottawa ca 1500 Online Personal Loan   Ottawa–Gatineau OntarioThis potential customer has applied for a $1500 online personal loan and lives in the city of Ottawa. He is planning to attend a training course that will enable him to enhance his online business  and continue keeping abreast with theongoing changes in the industry. Construction of web sites and writing content for company sites is a very competitive business and it is important to stay abreast of the latest concepts.

His application indicates he needs the funds within the next week so that he can send in his registration for the training course.

While we do not see any problem in this loan being approved on a personal level, we cannot say the same for approving a loan for his company. The personal loan is dependent on his personal financial reputation. The fact that he has no debts and pays all of his bills on time etc indicates financial responsibility and organization. His credit rating appears also to be excellent so we do not see any problem with this personal loan being approved.

This applicant probably also manages his companies accounts and funds the same way, however processing an application for his company would be far more complicated due to the fact that it is a small company and there is much less information about credit ratings and debt situations available for the bank to review. Copies of his last two years tax statements for his company would also have to be made available and frankly this service is not set up for processing an online personal corporate loan. The service is aimed at providing online personal loans to individuals to help them meet short term needs that they may have.

Also the tax implications of the course show that he has thought this through and knows what the full cost of the course will be, however this does not really need to be part of the application. Both the tax issues and his plans to claim this course as a training expense against his companies income does show that this applicant is very organized and has a good grasp of running a small business.  Sometimes people provide more information than is necessary in their applications. This is one that, although he talks about why he needs the funds, he really does not need to tell us about the plans to claim this training course as an expense.

Online Personal Loan Application

Personal Loan Amount :: $1500

Personal Loan Speed :: Within the next week

What City/Town, Province, and County do you live in? :: Ottawa, Ontario

Postal Code :: K1A OA1

What is your employment industry and how long in this field – detail please? :: Online Business Owner building web sites for local companies.

Employment Position :: I own and run a small online business from my home

When are you paid? :: Weekly

What would you consider your credit rating to be – excellent, great, good, fair, bad? :: Excellent

How did you find us? :: Searching online, what else, that is the business I am in

Bank name :: Bank of Montreal

How are you paid? :: Direct deposit from my company

Gross Amount Per Paycheck :: Varies, however the base is $4000 a month

Do not include ABA or bank routing numbers here. This is for your personal security. Do not enter social security numbers here. Do you agree to have this application information published online with your PRIVATE info removed? :: Sure, as long as no personal information is made available. You can include my online business name and URL to help with advertising my business name and service

Any extra information here please :: I run an online business building web sites and writing content for various customers in the Ottawa – Gatineau area. Ottawa is in Ontario along the Ottawa river and Gatineau is across the river in the province of Quebec. I am looking for a personal loan of $1,500 to attend a course that I want to take next month that will help my online business expand. This is a very competitive business and we need to stay abreast of the latest techniques for designing web sites and displaying content for customers.  This will be tax deductible for me as well, and the HST will be reclaimed so the net cost will be somewhere around a $1000 for the course, however I need to pay the registration before the end of next week to register for the course.

Note to Lender – Please add any information you are comfortable with sharing regarding this loan :: I am applying for this loan as a  personal loan, however it could also be an loan for my company as well depending on the preference by the lender. Either way is fine for me. I plan to claim the expense of the course as an expense against my companies income, which can be done as a personal expense or as a corporate expense covering an employees (me) training course. You probably will want to make this a personal loan rather than have to get into all of the issues associated with lending to a company.

My credit rating is excellent, I have no debts to speak of and I pay my credit cards on time and in full every month. There is no mortgage and the car is fully paid. I have never missed a payment so I would be very surprised that my credit rating is not way up there. If when you check you find something different, I would really like to know about it, since this has an impact on loans such as personal loans and interest rates that we pay in the future.

As I mentioned above, I deal with the Bank of Montreal for both personal expenses as well as for my business. You can transfer the $1500 online personal loan to either my business account or my personal accounts depending on how you want to structure the loan.

Have you ever defaulted or bounced a check with a personal advance loan in the past? :: No, neither personal nor through my business

Do You Need A Personal Loan?

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7 Loan Requests

  1. Sandra applied for the following loan:

    Loan: 300

    Speed: today if possible

    Credit: very poor

    Location: Gatineau, Quebec CANADA

    Income: Full time employment, paid bi-weekly by direct deposit. Monthly gross earning $2658.00, net earning 2040.00.

    Reason:

    education fees for daughter and minor auto repair

  2. David applied for the following loan:

    Loan: 2000

    Speed: oct 1 2012

    Credit: veryy poor

    Location: ottawa, ontario canada

    Income: 741.55+951.00

    Reason:

    Replacement of teethwith upper and lower removal dentures – Cost includes lab fees, mouldings, installation

  3. Wensley applied for the following loan:

    Loan: 4000

    Speed: Any time from now

    Credit: Bad

    Location: Ottawa, ontario, canada

    Income: 2000 monthly

    Reason:

    Payoff debts

  4. Wensley applied for the following loan:

    Loan: 4000

    Speed: Now

    Credit: Bad

    Location: Ottawa, ontario, canada

    Income: 1000 biweekly

    Reason:

    Payoff all my debts

  5. Vincent applied for the following loan:

    Loan: 5,000

    Speed: As soon as possible

    Credit: Not very good: used visa card for renovations

    Location: Gatineau, Quebec, Canada

    Income: Permanent job (federal government), $3,6000 every month; own a house-spouse working too.

    Reason:

    Pay off my debts (visa)-and do small renovations on house..

  6. josee applied for the following loan:

    Loan: 3000

    Speed: as soon as possible

    Credit: poor

    Location: gatineau quebec

    Income: Monthly income of 2751 net

    Reason:

    Consolidate payday loans and bills.

  7. Helene applied for the following loan:

    Loan: $5000

    Speed: ASAP

    Credit: low

    Location: Ottawa, Ontario Canada

    Income: $3200

    Reason:

    to pay little debts and do some house renovations.

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