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Wednesday, February 07, 2018

I&M Bank launches new Customer Value Propositions, Targets the Premium, Young Professionals and Business Entities

    February 07, 2018   No comments
Kihara Maina,CEO I&M Bank Kenya
Kihara Maina; CEO I&M Bank

…the new and improved services address specific customer banking needs…

I&M Bank has launched new customer value propositions for its business segments in line with its corporate strategy dubbed Imara, in a move expected to further enable the growth of a deeply
customer-focused organization responsive to the changing dynamics in the
financial sector.

The development enhances I&M Bank’s role as a trusted financial partner
placing its customers’ interests at the heart of its operations and
service; and will help enhance customer centricity, dynamism and innovation
for the institution.

Speaking at the launch of the new customer value propositions, I&M Bank
Kenya Chief Executive Officer Kihara Maina said that the move was in line
with I&M’s deep focus on their customers which has continued to propel the
bank’s growth.

“Having completed the previous 5 year strategy cycle, it was prudent to
develop a corporate strategy that further focused on customer centricity,
enabling I&M Bank to operate in the dynamic banking environment. The launch
of the new customer value propositions plays an integral part in our
strategy, and aims at serving clients across our chosen markets, giving
each segment a customized proposition that will complement their lifestyle
and financial requirements,” Kihara noted.

“Effectively, the Bank has better defined its business and target market
segments, focusing on specially packaged banking solutions for each segment
in line with its aspiration – “*to become a banking powerhouse in East
Africa for middle to large businesses and premium clients.*” The tailor
made packaged products will also further deepen the Bank’s ability to serve
the needs of clients across their borrowing, saving and other service
needs.  Kihara added

The Premium Select value proposition targets executives looking for a
personal relationship with the Bank and financial products and services
that will help manage and protect their assets. Premium Esteem on the other
hand will serve mid-career professionals looking for convenient banking
services that fit their busy lifestyles, and help them achieve their
financial goals.

The *Young Professionals* proposition will target young individuals looking
for convenient banking solutions delivered via digital banking platforms
that help them manage their spending and build up their savings.

The *Business Banking* proposition on the other hand, will target SMEs
seeking access to finance, quick turnaround time for financing decisions
and unparalleled customer service. “These new value propositions seek to
deliver excellent service to support our clients’ differentiated financial
needs and will allow them to shape the way they bank. They are an important
complement to our existing Corporate and Institutional Banking proposition”
Kihara concluded.

Sunday, February 04, 2018

US; Quick Loans From Alternative Lenders

    February 04, 2018   No comments
Sometimes borrowers from American States are forced to jump off aboard mainstream lenders  to ride on alternative loan providers amid financial needs.

While there are big federal and state commercial banks like JP Morgan Chase Bank,Bank of America and Citigroup that provide large personal loan amounts to clients, Alternative lenders are equally important as they provide quick and fast personal loans to individuals even with average to poor credit scores.Quick alternative loans are applied for online hence named also as quick online loans.

10 Top Alternative Lenders in the US

Here at Mwabaya.com ,am going to list the personal loan givers in private lending starting from the financier giving out the largest amount of loan.

Overview of the Lenders

Here is my list from the largest loan givers to the smallest loan amount providers;

  • SoFi
  • Light Stream 
  • Lending Club
  • Discover
  • PayOff 
  • Avant
  • Bestegg
  • Freedom plus
  • Lending Point
  • Ascend

Best 10 personal loan providers in the alternative lending market
Alternative Lenders

#1  SoFi

Social Finance (SoFi) provide quick personal loans up to $100000 to be relayed within 3 to 5 years.APR charged ranges between 5.49% and 14.24%.

SoFi doesn't charge any origination fees or pre approval fees.The lender gives instant pre approvals within minutes of application. Unlike all other personal loan givers,SoFi provides unemployment protection when the borrower becomes jobless.

The alternative lender gives loans to all United States dwellers and British Columbia dwellers except Nevada State residents.

SoFi Contacts and Working Hours

You can call the SoFi customer care number  on 855-456-7634 on Monday to Thursday from 4am to 9pm or on Friday to Sunday from 4am to 5pm PST.


#2 Light Stream

Light Stream is a division of SunTrust Bank which acts as the financier to all personal loans applied for through the Light Stream website.

The lender provides loans of up to $100000 relayed within 2 to 6 years.The APR charged against the loans ranges between 2.19% and 17.49%

#3 Lending Club 

The Lending Club provides fast loans up to $40000 charged at APR between 5.99% and 35.89%.Lending Club loans last for a duration between 3 to 5 years before repayment.

Lending Club offices are located at 71 Stevenson Street,Suite 300 San Francisco, CA 9A105,USA.

#4 Discover

Discover personal loans go up to $35000 charged APR between 6.99% and 24.99%.Discover loan term ranges between 3 to 7 years.

Discover Contacts and working hours
To get more information about Discover fast personal loans call 1-800-347-7201 on Monday to Friday between 8am and 11pm or Saturday to Sunday between 9am and 6pm Eastern Time(ET).

#5 PayOff

Payoff provide loans of up to $35000 at an APR of between 8% to 25%.

As the name suggests, the lender gives out loans to pay off credit cards balances in partnership with First Electronic Bank.

Payoff Contacts
Potential borrowers can call 1-800-878-0901

#6 Avant

Avant gives loans up to $35000 at APR between 9.95% and 35.99%.Avant personal loans last for a period between 2 to 5 years.


Avant Contacts,working hours and Location

Avant is located at 222N.LaSalle Street,Suite 1700,Chicago, Illinois, 60601.
Call for more through 800-712-5407 on Monday to Friday at 7am to 10pm and Saturday to Sunday between 7am and 5pm Central Time(CT)

#7 Bestegg

Bestegg personal loans amounts go up to $35000 charged between APR 5.99% and 29.99%.Bestegg loans have a loan term ranging from 3 to 5 years before due.

Bestegg Location
Bestegg offices are situated at 1523Concord Pike,suite 201 Wilmington, DE 19803

#8 Freedomplus

Freedom plus loans go up to an maximum of $35000 replayed up to 2 years when due.APR charges for Freedom plus personal loans ranges from 4.99% to 29.99%.

Freedom plus loans are disbursed in partnership with Cross River Bank.

Freedomplus Contacts and location

Freedom plus offices are located at 1875 S.Grant Street #450 San Mateo,CA 94402
You can call 800-368-0061 for more information.

#9 LendingPoint

Lending point provide laons of up to $20000 at APR between 15.49% and 34.499%.Loan term ranges between 2 to 3 years.

Lending Point Location and contacts

Lending Point is located at 1201Roberts Blvd,suite 200 Kennesaw, GA 30144.
You can call 888-969-0959 for help.

#10 Ascend

Ascend consumer finance personal loans amount can go to a maximum of $12500.
Call Ascend customer care contacts through 800-497-5314

Are there Personal loan agents?

In the US there a number of personal loan agents who help borrowers find the right lenders with the best APRR rates in the  alternative lending market.

Personal loans agents help by providing online application forms and cut marks for various aspects including loan amounts,loans term and credit scores.

Approved loans are disbursed through partnerships with real lenders in the finance industry.

I have a list of the best online loan agents.Check it out;

LendingTree

Helps getting loans for borrowers of up to $3500 at APR between 5.99% and 35.99%.Loan terms ranges between 3 to 180 months.

Guide To Lenders

Guide to lenders help customers get up to $40000 in personal loans at APR between 4.93% and 35.99%.Loan terms are between 24 to 84 months.

Even Financial

This agent helps borrowers get up to $100000 in personal loans at APR 4.83% up to 35.89%.Loan terms range between 24 to 84 months.

24/7LoanPros

This agent helps borrowers get loans up to a maximum of $10000 at APR between 5.99% and 35.99%.Loan term ranges from 3 to 60 months. All can apply online.

EasyLoanMatch

Easyloanmatch helps borrowers access up to $35000 in personal loans at APR between 6.63% and 36.00%.Loan term ranges between 24 to 84 months.

Are there tribal lending alternatives?

There are alot of tribal native lenders popularly known as payday lenders.Native lenders serve only in states where they are allowed.In some American States such tribal lenders are outlawed.

I have list here the best three of the native American lenders currently;

Best tribal native payday lenders in the US
Tribal Lenders

#1 Mobiloans

Mobilaons is by far the best online payday lender among the tribal lenders. Mobiloans allows customers apply for mobile loans of up to $2500.
Mobiloans is allowed to provide fast mobile cash to residents of up to 35 american States except the following;

  • Louisiana
  • Arkansas
  • Illinois
  • Minnesota
  • Maryland
  • Colorado
  • Connecticut
  • Pennsylvania
  • New Hampshire
  • Rhode Island
  • Vermont
  • New York
  • Maine
  • Massachusetts

Mobilans Contacts and location

Located at 151 Melacon Drive,MarksVille,LA 71351.
Call 877-836-1518

#2 RadiantCash

RadiantCash is a tribal payday lender that serves Wisconsin State and gives quick mobile loans up to $1000.

Radiant Cash is managed by Ishwaaswi LLC.

Radiant Cash contacts and location

Lac Due Flambeau, WI 54538
Call 1-855-723-9935 or 1-855-572-3227

#3 American Web Loan

American Web Loan is a native lender based in OK giving residents fast mobile loans through of up to $2500.

American Web Loans are however, not available for residents of AR,CT,GA,NY and WA.

American Web Loans Contacts and Location

Offices are located at 2128 N.14th Street,Suite 1 #130 Ponca City,OK 74601.
Call 877-860-7171 for instalment loans and 877-636-1353 for flex loans.

Nigeria; Emergency Loan Givers

    February 04, 2018   No comments
Nigerian Naira Notes
Nigerian Naira
Where can I get quick cash in Nigeria?Lenders who give loans fast in Nigeria. How can I find emergency loans within hours in Abuja and Lagos Nigeria.Nigerians ask.


There many instances that one might be forced to look for quick loans in Naira land.Emergencies may include hospital bills,school fees,travelling fees or even rent among others.The question is who can give these fast cash loans immediately in Nigeria?

As Loans Nigeria,we are making it simple today by providing the best lending companies in Nigeria that will sort guys out during emergencies, commercial banks excluded.

Aella Credit 
Aella Credit the most active direct micro lender in Nigeria.The lender provide quick loans to the employed individuals in the country.

Borrowers sign up on the Aella Credit website (www.aellacredit.com) after which one can borrow.Borrower apply for any amount between NGN100000 and NGN1000000 and choose a repayment period of between 1 month to 12 months.

Approved loans will be deposited directly into the borrowers salary accounts. On due date the loan amount plus the interest accrued is deducted directly from the borrowers salary accounts.

Call Aella Credit for more on 0700acredit (07002273348)

Zedvance
Zedvance is a fast consumer credit provider that provide personal loans to employees in Nigeria.

To apply,a borrower must visit Zedvance Limited offices in Lagos or check the website www.zedvance.com.Loans amounts range between NGN50000 to NGN1000000. Approved borrowers get the cash from Zedvance agents.

Repayment duration for loans range between 1month to 12months.Repayment can be done through cheques or direct debit to Zedvance Limited.

Call Zedvance to get started on 07001001000

C24
C24 is a quick retail consumer loan giver with countrywide agents in Nigeria.

To apply for a loan,one must sign up on the C24 website ( www.c24.com.ng) after which one will be able to ask for a loan.

Borrowers specify the loan amount and the duration for loan repayment.Approved borrowers will get the cash disbursed into their salary accounts within 24hours.

Repayment will be done by debiting the salaries account for the borrower.

Call C24 on 0700027334824

Salary Advance Nigeria (S.A.NG)
Salary Advance Nigeria is part of the Addosser Microfinace Bank in Nigeria. S.A.NG provides quick cash 5o employees of various companies in Nigeria.

To get started,a borrower should visit www.salaryadvanceng.com and fill in the online application form.Loan amounts and repayment duration is chosen by the applicants themselves.

Approved loans will be sent to the borrowers current bank account within 24hrs from which repayment amount will be deducted from when the loan will be due.

Call S.A.NG on 08139462584 or 08104148324 (for Lagos Island) and 08167970380 or 08054311258(Ikeja)

Fast Credit Limited (FCL)
Fast Credit Limited is a financial institution licensed by the Central Bank of Nigeria (CBN) to give banking and lending services to Nigerians.FCL provides asset finance, business loans treasury investment and consumer credit the newest credit product.

To get the consumer loans from FCL,start by calling +234-01-2917931 to get started.Loans are available to salary earners,civil servants and uniform personnel.Loan amounts range from N18000 to N1500000.


Assured Income Credit Fund
This financial services provider targets only the full time employed individuals in Nigeria.Borrowers must have a salary bank account with a debit card preferably. One must also have a direct mobile phone number.

Loan applicants can do so through an AICF agent,or website (www.assured income credit fund.com) on desktop or mobile phone.The applicant specifies the amount borrowed(any amount) and the repayment duration(between 5 to 30 days).

Approved borrowers will get their bank accounts credit with the amount of loan borrowed.On due date,a one time deduction equivalent to the loan amount plus the interest accrued will be made on the borrowers salary accounts or debit cards.

Creditville Limited
Creditville Limited is a private lending institution registered in Nigeria that facilitates quick loans to employed individuals and SMEs.

Borrowers apply online at www.creditville-ng.org or by visiting any of the branches in Lagos mainland or island, Abuja or Port Harcourt.Loan applicant specifies the loan amount borrowed (minimum NGN250000) and the repayment duration while filling in the application form.

Approved loan applicants will get the money disbursed in to their bank accounts within less than 72hrs.Loan repayment will be facilitated by the employer or bank.

Snap Credit
Snap Credit is a quick direct lender registered in Nigeria based in Lagos.The micro lender targets employees working in Nigerian companies and the government.

Borrowers create an online account on the Snap Credit website (www.snapcredit.ng) after which one can apply for loans.

Loan applicants specifies the amount borrowed and the time duration for repayment.Approved loans will be disbursed into the applicants salary accounts.

The employer deducts the loan amount from the employees salaries monthly to repay the loan when its due.

Purpose Built Services (PBS)
Purpose Built Services (PBS) is a non governmental lending institution providing quick loans in Nigeria with a bias to women.

PBS Loans include; business loans,emergency loans,Fast cash loans,employee loans,personal unsecured loans,asset finance and LPO financing among others.

To get started with PBS loan application ,call 0703 598 8249 or  +234 (1) 454 7266

Nigeria; FCMB

    February 04, 2018   No comments
Fcmb bank Nigeria
FCMB
First City Monument Bank (FCMB) with the tagline 'My bank and I' is a retail banking and lending services provider in Nigeria.The lender's headquarters are located in Lagos.

FCMB is among the most spread bank countrywide with branch outlets in all Nigerian states.The bank serves both individuals and business corporates looking for banking services in Nigeria.

Placed in groups, the banks services include; personal banking services,business banking services,investment banking services,institutional banking services and corporate & commercial banking services.

Loan Solutions 
FCMB provide both personal loan solutions and business credit solutions.

Personal loan products

  • Home loans 
  • Auto loans
  • FCMB Fast Cash Loan
  • Salary Plus loans and premium plus loans
  • Federal Government employee loan incentive
  • Home asset finance
Business loan products

  • Working capital loan facility
  • Asset acquisition facility
  • Commercial mortgages solutions
FCMB Customer Care
FCMB customer care desk can be reached through;

  • Live chat on www.fcmb.com
  • Call;+234(0)12798800 or 07003262692265
  • Email;customerservice@fcmb.com