Personal Loan Services

Quick-Approval Personal Loans

In need of cash quickly? With Lamina, you can borrow $300 to $1,500 with just a few simple details. Our online application process is quick and easy. If you already bank online, we won't need any additional documents. Plus, for most banks, we can process your application in as little as 30 minutes.

Low-Interest Personal Loans

While interest rates apply, Lamina offers competitive rates with a minimum APR for extended credit of 120% and a maximum APR of 275%.

Fast Personal Loans with Flexible Repayment

Get the money you need fast and choose a repayment plan that fits your budget. Our loans offer flexible terms with a minimum repayment period of 90 days and a maximum of 210 days. Depending on your specific situation, these terms may be extended further based on the terms of your contract.

Interest Rates

On average, the annual interest rate for Lamina personal loans is 18%, excluding guarantor fees.

Brokerage Fees

• Brokerage fees vary depending on the loan amount and repayment period.
• Fees range from $15 to $56 per hundred borrowed.
• This translates to an APR that varies from 120% to 275%, including all fees.
  

Sample APR Calculation

To illustrate how APR is calculated, let's consider a $900 payday loan repaid weekly over five months.

• Total Payments: 19 payments of $73.52 each = $1,396.80
• Total Cost of Loan: $1,396.80 - $900 (principal) = $496.80
• APR: The $496.80 in fees represents the APR for this loan.

Sample Loan Amounts and Loan Repayments

Here are a few examples of the amounts paid depending on your income deposit frequency and amount borrowed:

$300

• 7 weekly payments: $66.20
• 4 biweekly payments: $115.05
• 2 monthly payments: $228.00

$500

• 12 weekly payments: $63.64
• 6 biweekly payments: $127.42
• 3 monthly payments: $255.81

$1000

• 19 weekly payments: $81.23
• 10 biweekly payments: $154.68
• 5 monthly payments: $310.75
• 
  

Important Note: These are just a sample calculation. Your actual APR may vary based on your specific loan terms. Review your loan documents carefully for detailed information.

Repayment Options

Payday loans typically have a short repayment period, often due on the borrower's next payday. This can be challenging if you're facing financial difficulties.

Lamina  understands that everyone's financial situation is unique.That's why we offer flexible repayment terms to accommodate your individual needs. You can choose a repayment period that works best for you, and in certain cases, we may be able to extend your loan term if necessary.

Our personal loans offer much more flexibility. With a minimum repayment period of 90 days and a maximum of 210 days, you have more time to repay your loan. Plus, you can extend the repayment term or pay off the loan early to save on fees.

Lamina Unsecured Personal Loans: A Flexible Solution for All Credit Types

Need a personal loan but worried about your credit score? Lamina's unsecured personal loans offer a convenient and accessible solution. Unlike secured loans that require collateral, our unsecured loans are designed to accommodate a wider range of borrowers, including those with less-than-perfect credit.

Here are the key benefits:



• No Collateral Required

One of the biggest advantages of unsecured loans is that they don't require you to pledge any assets as collateral. This means you can borrow money without putting your personal belongings or property at risk.

• Quick and Easy Application

Applying for a Lamina loan is a straightforward process. Our online application is designed to be user-friendly and can be completed in just a few minutes. You can often get pre-approved quickly, and if approved, funds can be disbursed within a short timeframe.

• Competitive Interest Rates

While interest rates can vary depending on factors like your credit history and the loan amount, we strive to offer competitive rates for our personal loans. We believe in providing fair and transparent terms to our customers.

Get a Loan With Lamina

Lamina is your one-stop shop for fast, secure, and transparent online personal loans. We offer a hassle-free application process, competitive rates, and flexible repayment options. Don't let unexpected expenses hold you back.

Ready to get started? Apply for your personal loan online today or call us toll-free at 1-844-356-5097. We're here to help!