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Unconventional Ways to Get a Loan

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For those in need of a loan and who have been rejected for credit in the past, or those who are just interested in alternative loan methods, there are options available other than dealing with big banks. Whether you have been rejected previously or researching unconventional ways to get a loan, it’s nice to know that there are options out there aside from big banks. Here are some ways to get a loan on your terms.

Home Equity Line Of Credit (HELOC)

One way to get a loan is through a HELOC (Home Equity Line of Credit). This lets someone borrow against his or her equity and it’s a great way to get a loan. To help determine if a HELOC is right for you, there are some great online tools, such as the HELOC calculator tool from This tool can help you figure out how much you can borrow and the terms of the loan. It’s important to remember that when taking out a HELOC, you should only borrow what you can comfortably pay back.

The HELOC calculator tool from is a great way to determine if a HELOC is right for you, Try it today and find out what’s your HELOC calculator payment.

Peer-to-Peer (P2P) Lending

Another way to get a loan is through a Peer-to-Peer (P2P) lending platform. P2P lending is a form of crowdfunding, where individuals can borrow money from other individuals. This can be a great option for those with poor credit or those who are looking for a loan with a lower interest rate than what the traditional banks offer. The great thing about P2P lending is that it can be done online, so you don’t have to worry about the hassles of going to a bank.


Crowdfunding is another unconventional way to get a loan. Many small businesses, startups and entrepreneurs use these platforms to raise funds for their projects. Crowdfunding can be a great option for those who have a project or business idea but lack the financial resources to make it a reality. There are many sites available, such as Kickstarter and Indiegogo, so it’s important to do your research and find one that best fits your needs. Some businesses survive solely on this model.

Credit Unions and Community Banks

Some credit unions and community banks offer alternative loan products that are designed to help those with low credit scores, or those just looking for a loan with reasonable terms. These loans may require a cosigner, but they can be a great way to get a loan. Credit unions and community banks often have more flexible terms and lower interest rates than traditional banks, so they can be a great option for those looking for a loan. Credit9 is also one of the leaders when it comes to personal loans, either for business or paying off debt.


Unconventional ways to get loans can sometimes be the only option for many people. If you are looking for a Home Equity Line of Credit (based on a HELOC calculator payment) or a loan from a credit union, there are options available. It’s critical to do your research and speak with the right professionals to find the loan that best fits your needs. With a little bit of research, you can find the loan that’s right for you.

There are many unconventional ways to get a loan, including HELOCs, P2P lending, crowdfunding, and loan products from credit unions and community banks. It’s important to do your research and find the loan that best fits your needs. Whether you are looking for an easy payment plan or a loan with a lower interest rate, these are some of the options available. With careful consideration, you can get a loan that helps you get the financial assistance you need.

Kossi Adzo is the editor and author of He is software engineer. Innovation, Businesses and companies are his passion. He filled several patents in IT & Communication technologies. He manages the technical operations at

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