Tuesday, 8 April 2008

Australia v New Zealand: Student Loans

As part of my continuing analysis of my relative wealth in Australia and New Zealand, I have decided to talk about my student loan, and why it did not influence my decision to leave New Zealand (or even to hold off for a few years).

If you have a student loan:

  1. you pay no interest on your loan, as long as you remain in NZ;
  2. if you earn over a certain amount (approx $18,000 this year), 10% of what you earn over that amount is garnished from you earnings to repay your student loan; and
  3. your loan is cancelled if you die.

However, if you go overseas:

  1. interest on your loan compounds at 7% annually;
  2. you must pay back a set amount each year (if your loan is above $30,000, this is $3,000 in two six monthly payments);
  3. you can have a three year repayment holiday (interest still accrues);
  4. big penalties apply if you fail to make repayments; and
  5. your loan is cancelled if you die.

So the big difference between living in New Zealand with a student loan and living in Australia with a student loan is that interest accrues on you loan if you are overseas and not if you are in New Zealand.

If you have a rather large student loan like me you would think that not paying interest would be quite a motivating force keeping me in NZ.

It wasn't and here is why.

The student loan is not like any other debt. In fact I do not consider it to be a liability that you have to balance against your assets to find your net assets in any practical sense, as:

  1. payments are linked to your income levels (in NZ anyway) and are not required to be made if you do not earn above a certain amount. In effect it is more like a tax on your future earning potential then a present day liability;
  2. you cannot be forced to repay it if you default on your repayments (although the penalties are different, and are why I would pay the minimum repayments even if I thought I would never go back to NZ); and
  3. it disappears if you die, and therefore will not effect your estate.

But you say, "that tax on your future earning potential increases every year that you are overseas, if you come back to NZ you will be in a worse position having gone overseas with your giant student loan then if you had stayed in NZ, payed it off tax free and then gone overseas". To that I say, "the total benefits to my being overseas outweighs the benefits to staying in NZ and receiving a tax free loan. I get a larger return on my time by being overseas then I avoid on student loan interest by being in NZ".

I would avoid NZ$3,500 of interest a year by staying in NZ, but will be, at today's exchange rate, NZ$22,035 better off living in Australia (see my previous post, at exchange rate = .8662) A net NZ$18,500 better off.

So after 3 years of living overseas I would have earned enough extra income living in Australia than I would have earned in NZ to pay off my entire student loan and then some (it would take me at least 8 to 10 years living in NZ to clear my loan without making any extra repayments, which you would be stupid to do).

If I did ever decide to come back to NZ, I would still have my student loan, it would still be approximately the same as it is today, but I would be in a much better position having earned (and hopefully retained) so much more than I would have saved in interest by living in NZ.

Interest free student loans therefore should not influence people to remain in NZ (as higher overseas incomes outweigh interest savings). In fact, even being interest free, all student loans can do is discourage people from returning to NZ, given the even higher effective tax rate you face on NZ's low incomes.

It is a dilemma how to solve the student loan exodus though, as without it, it would be much more difficult to go to undertake extra study. The irony is that the very thing that makes it easy in NZ to undertake study, can drive those who do study overseas and discourage them from returning.

81 comments:

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Liping said...

My wife came across your blog entry while surfing for work opportunities we might be able to pursue in the next 12m.

As a recent NZ ex-pat now living in Europe, I must say I do agree with what you conclude, as this was very same the reasoning I applied in accepting my postdoc in Germany, despite having an $87,000 NZD loan to pay off; and knowing full well just how much interest that would accrue as a result. But given the exchange rate difference between the euro and the NZD, as long as I could save 1000 euro per month I estimated paying back the loan in full in 5 years - a full 10 years ahead of what I could do in NZ under the same stringent savings criteria and income status.

But has this actually happened?

No. It has not even come close.

Have I taken steps to reduce this burden at all? Yes. I applied for my repayment holiday. And therein lays the reason why the answer to my first question was "no".

It's not just the exchange rate difference that will get one through repaying an interest-bearing loan - it's actually being able to save this money in order to send it home.

In other words, the initial reasoning supplied above becomes problematic if cost of living is underestimated. Not only that but most people want a life after their study - a house, a car, a dog, a family; and since it's only human nature that circumstances in one's immediate vicinity take precedence over more distant issues, it stands that, despite whatever one's good intentions were, repaying the NZ student loan can easily go neglected.

And that's not even taking into account the fact that system unfairly discriminates against 'pakeha' and that the only real way in which NZ tries to encourage its 'brains' to stay is by discouraging them to leave. Hardly inspiring.

Such matters are why so many ex-pats vow never to return, or to repay their loan, hoping, perhaps in total vain, that someday the system will collapse in on itself and their debt will be wiped.

I don't know what will happen. I do know NZ can't offer me the career I seek; nor does it appear to be doing anything about encouraging developing an applied science industry. And why would it need to - there is always rugby and tourism, right?

My advice to anyone wanting to avoid being up to their eyeballs in debt after a long stint of study is to stay in NZ and accept whatever you can get. It is a good lifestyle, all things considered.

However, if your convictions lay in discovering a life outside NZ culture then I'm afraid you'll just have to suck it up. It's gonna cost ya. Or you could try to find loopholes ;)

Anonymous said...

I am a kiwi living in Europe... I have been away for 11 years.

Do you know if student loans can find you if you apply for citizenship in another country? (Not the UK but another EU country)
Has been on my mind.
I have not had full time work for 3 years now and it doesn't look likely in the future either. I was of the generation that charged interest when you were still studying and my 7500 loan turned into gazzilions while I still studied AND it was down to 15000 after paying off from my salary every month for 3 years before I left. It pissed me off that future generations got interest stopped until they left uni. I was at uni for 5 years so that was 5 years of interest before I started working and paying it off. Anyway, I am not coming back to NZ... but don't want to get a letter from student loans here, where I am after applying for citizenship and a new passport.
Do you know of any website etc that I can check to find out?

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Anonymous said...

does anyone know if you can be detained in nz when you want to return for a short break, with a student loan outstanding?

Anonymous said...

Does anyone know what are the penalties for not repaying your nz student loan? I live overseas and have about $30.000 student loan in nz.

Anonymous said...

I came to this country approx 10 years ago and at that time my student loan was around 25k.
I have left the loan untouched and now its just over 50k.

I have no UK debt but was considering bankruptcy to wipe off my student loan in NZ.

Any ideas/ advise etc would be nice.

PS My older sister who got in through uni on the free scheme has retired. I'm gutted

Anonymous said...

I've been living out of new zealand for 12 years now and I haven't paid anything off my loan for about the last six years. I originally borrowed $30k for my four year graphic art degree, and now I owe more than $100k - the extra $70k is only interest! I have recently been contacted by ird at my work address in Australia - the last known address they had for me was in the UK. So yes they will find you eventually but as yet I haven't come to any payment agreement. According to a friend of mind who works in Customs, they can't actually pull you up at the airport from your student loan debt...but you never know. I just think the interest loaded onto the principal loan is bullshit. Maybe if they weren't so greedy, all the educated young New Zealanders would stay in the country and make their lives there and at the same time pay of the original loan. And then everyone would be happy :)

Anonymous said...

@post made on the 7th March 2012 - that was the day after they found me.
My Story - Borrowed around $18k now up to $60k.

I tried to do the right thing in my second year of being away. I paid $2.5k and they whacked 12k in interest on that year. I rang them up and they said oh gosh it was a typo (ah good one) but because I didn't meet the $3k requirement they added $3.5k interest, I struggled just to pay $2.5k which was for nothing. So in the end I couldn't see how I was supposed to pay it off. 2 years after that I had a baby and didn't work for 2 years, that still didn't make a difference either I was still required to make payments. So in the end I can't see how on earth I can pay them back, it's now reached too impossible. Do you think they'd be happy if I just paid them $50 a month for the rest of my life? Probably not, but I wonder if it would keep them off my back.

One thing that is interesting is that most things I have read is the only way you can get rid of the loan is Bankruptcy or Death. Horrible thing to say but there are some unstable people out there that might look at the latter as the only way out.

Anonymous said...

I left NZ with an 80,000 thou loan. I agree the NZ system is a load of rubbish, they are not interest in getting loans repayed or they would offer an incentive like for example,(if you pay more than the $3000 per year minimun for over 30k loans you get interest free, or the opportunity to pay the loan off in one hit for 50%). The truth is, the system is corrupt and they are trying to imprison NZders because they are running scared, as it is not an attractive country to live in economically now. I have no intention to pay off the loan and who cares if it get to a million. Just don't have any property in your name e.g. use a family member. Don't have too much money or shit. And they can't get money from nothing. In fact say you can't afford an airfare home and that would cost them money, then end up on the unemployment benefit and all the time and effort and labour costs would be higher than the gains. They are just scum, I do everything legit and pay what they ask, the minimum. IT is just scare mongering and it works on some.

Anonymous said...

From what I understand they can’t really do anything other than send letters. There will never be a reciprocal agreement under the ATO / IRD because there is no benefit to Australia. Why would they enforce Aussie money to go into NZ tax coffers?

Also the worst case scenario is that the NZ Gov’t recalls the loans(highly unlikely). This opens a whole new can of worms. What private debt collection agency is going to buy these debts(these guys are more interested in small debts, cars, TVs, dredit cards, etc...)? It’s just too big and too messy.

And, if your loan does get recalled then you simply don’t pay it. The next step is bankruptcy (under Australian law – if you have dependents you can earn 75k per each dependent before you have to pay any of the outstanding debt anyway). After 5 years you are now clear – a friend of mine recently called the IRD calling their bluff, begged them to recall the loan, told them he isn’t going to pay a cent anyway, gave them all his details, everything...They we stumped...

So basically it is fear mongering, the debt isn’t real anyway, it was allocated as part of NZs tax base. It was supposed to be payed off once you were paying tax in NZ. They didn’t have the foresight to see most people would leave, hence interest free now in NZ only – they whole thing was a cynical con to stimulate the education industry, why do you think you have to go to tech, get into debt now just to be a florist or a hairdresser? The whole this is rigged. Most of the so called outstanding debt is penalty payments.

They are relying on voluntary payments. There is an old saying, debt that can’t be paid, won’t be paid...Simple as that.

So what next, make criminals out of 57000 ex pats??? Ain’t gonna happen. Just take a look at what’s happening around the world, people are rebelling against their debt obligations. NZers should get some balls and do the same...

Anonymous said...

I have been in Australia now for nearly 18 months - all my family has left NZ and have no reason to return, apart from friends.. which im sure they will eventually move to Australia anyway.

I have absolutely no intention on paying my student loan - I owe around 30k, I am currently on a payment holiday but im sure they will eventually want to come after me.

My partner is swedish and I am looking at moving over there as the possibilities career wise is unreal - what are the chances of the IRD persuing me all the way in Sweden?

What can they currently do to recall student loan debts in Australia?

Anonymous said...

well I have no idea how much I owe, but it must be horrendous right now. I am unemployed and have been for a while and there is no way I can pay the interest at all. I was considering bankruptcy as that maybe easier. At least after 5 years I will be able to start again. The current system if you have a large loan makes it impossible to pay it back.
They need to create an option where it doesn't look hopeless otherwise there is no point. They should base it on affordability and what people can pay. Just adding more interest and payment penalties just creates a larger problem.

Anonymous said...

I am Australian, with a Kiwi husband. He has been living in Aus for 7 years, and this week he received a letter from IRD letting him know that he owes nearly $50,000 on student loan!!! i have no idea what to do- we don't own a house or a car... so are considering NZ bankruptcy to wipe the debt. I consider myself a law abiding citizen, and am paying off my own student loan right now, but that NZ system is just crazy! $50,000 for a year and a half of an arts degree(not completed) 10 years ago- no thanks NZ, i need that money to save for a house for my family, not pay more than twice the original loan amount in interest. Does anyone know how to go about pursuing the next step, or know anyone else who has successfully resolved their loan through bankruptcy?

Anonymous said...

I am Australian, with a Kiwi husband. He has been living in Aus for 7 years, and this week he received a letter from IRD letting him know that he owes nearly $50,000 on student loan!!! i have no idea what to do- we don't own a house or a car... so are considering NZ bankruptcy to wipe the debt. I consider myself a law abiding citizen, and am paying off my own student loan right now, but that NZ system is just crazy! $50,000 for a year and a half of an arts degree(not completed) 10 years ago- no thanks NZ, i need that money to save for a house for my family, not pay more than twice the original loan amount in interest. Does anyone know how to go about pursuing the next step, or know anyone else who has successfully resolved their loan through bankruptcy?

Anonymous said...

I am Australian, with a Kiwi husband. He has been living in Aus for 7 years, and this week he received a letter from IRD letting him know that he owes nearly $50,000 on student loan!!! i have no idea what to do- we don't own a house or a car... so are considering NZ bankruptcy to wipe the debt. I consider myself a law abiding citizen, and am paying off my own student loan right now, but that NZ system is just crazy! $50,000 for a year and a half of an arts degree(not completed) 10 years ago- no thanks NZ, i need that money to save for a house for my family, not pay more than twice the original loan amount in interest. Does anyone know how to go about pursuing the next step, or know anyone else who has successfully resolved their loan through bankruptcy?

Anonymous said...

iam a kiwi living in australia for the last 7 years ,iam currently trying for citizenship ,will having a student loan affect this

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Anonymous said...

I'm spent the last few days filling in bankruptcy forms. As a single Mum, the whole process terrifies me. I did the right thing a number of years back and paid off a big chunk of my student loan off when I inherited some money but then the money ran out and real life kicked in. I'm overdrawn on my account most months and have borrowed from relatives to get through but IRD still want £2000 a year from more or charge massive amounts of interest. Like I said, I've tried doing the right thing and have kept them informed of my address at all times over the past 13 years. What I get for it is referred to a UK based debt collection agency. Like other who have posted, I considered coming back to NZ so that my repayments would be calculated on income and cost of living... but there wasn't sufficient opportunity available to cover the cost of moving back there. I don't know about the rest of you out there but I really wish I had had even the most basic understanding of what it was going to be like trying to be an adult BEFORE I took out such a massive loan for something which serves to tick a box on application forms. For years, I tried to ignore a debt I could do nothing about by leaving 'those envelopes' unopened or putting them straight in the bin. If my bankruptcy application is accepted, I will no longer dread letters through the door but, even though I raise a bright and happy child, work full time and contribute effectively to my workplace, I still feel like I have failed horribly in the scheme of things. Just as I viewed going to University and 'getting an education' as the way to get on in life, I now view Bankruptcy the same way (but with the rose tinted glasses stomped to little bits)

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Anonymous said...

same thing happened to me 80,000 loan the good ol bachelor of aviation (pilot) , working fulltime in nz using my qualifications earned less than 12,000 a year , i could of earned more at freaking macas with no loan , upon gaining close to enough experience they advise you to have before applying to air nz i learned air nz would further charge me around 15,000 for a type rating on a puddle jumping atr ( required for each and every dif type of aircraft you fly ) which they would loan me and i could pay back on my lavish 40 k a year pay , this was the final straw for me , i spent 2 years training and 80000 , to do a job that i was sometimes expected to do for free ( this happened on 2 occasions ) , so basically feck nz never coming back , never paying a cent , i got a student loan to get a step up in life not to struggle, 7,000 interest a year ? to earn less than a burger flipper ? no way , If the Ird come after i will be giving away everything and stop working , so the only thing they can do is put me in jail , ( which will cost them more )

I know alot of people will call me a freeloader blah blah blah, try accruing 7,000 interest a year while not even earning 15 , The Only time in my adult life i ever had to ask money from my parents is while working as a pilot (full time ) If you or anyone you know wants to be a pilot tell them airforce or pay upfront , if you can't do it either of these ways ,

Anonymous said...

Hi there I am also in the same situation. I live in Australia and have just received a letter in the mail saying I owe $46,000 from a loan or $16,000. I have had no notification of this in 16 years and dumbly assumed it had been made void. I am now a mother or two small children with no source of income. I am totally willing to pay back the original loan of $16,000, I owe that money and should of paid it but who thinks of that at 18 years old, I was young and naïve and also what kind of government lends that money to young kids. Surely there is someone out there that has the same kind of loan who is now a lawyer, lets get a petition going, surely if there is a uproar about the out of control amounts of interest that is being charged then something can be done, there is 56,000 kiwis in Australia alone in the same situation. Lets do this!!!

Anonymous said...

Same story I'm afraid. I was just looking around for some advice about my own situation, when I came across this blog. It's really sad isn't it. I was like many of you, a much younger person (I'm now 42), when I made the decision to become a teacher. Taking the loan out seemed so easy. I don't remember anyone telling me it was going to turn out like this. My loan balance was $19,000 when I graduated. I paid religiously every year, the amount that was asked of me, which was $2,000. No one made it clear that that was just the interest or whatever. 10 years later it's now $26,000! I grew up in a single parent household in a poor community, so being savvy about these kinds of things just wasn't even mentioned. I wanted to break the cycle of poverty in my family, but it seems now that I'm the poorest one. I chose to leave NZ for a year in Australia. But when it was time to leave my husband refused to return. He wanted his life to change too. So I stayed to be with my husband. Now our kids have all settled in and never want to return. I have struggled to get a permanant job here and so has my husband. I've barely made $30,000 each year, and mostly I've had to do it alone since my husband has depression and anxiety which prevents him from working consistently. The financial stress of it all has caused a massive amount of pressure on the family. I'm a good person. I work hard and I serve in my community, freely. When I tried to tell IRD that I was struggling after I decided to leave my marriage, they insisted I pay them a huge monthly amount. I hung up out of shear shock! I felt completely overwhelmed. Later I renegotiated a repayment and now I realise that I have been sucked in again, as they now have me on some kind of loan scheme to repay the arrears of $4,000 I owe for missing the last two years (while I was trying to provide a roof over my kids heads and food on the table), as well as making an additional payment to cover the upcoming year. I'm a Christian and pray and fast for deliverance from this bondage. Not to just forget about it all, but for it to be a fairer deal. I pray that the NZ government will see the err in their ways. I don't get anything for being in Aussie as I'm not a citizen or a PR, but Being back home reminds me of all the raping and molesting that went on around me, and it's traumatising. I love NZ but I am drowning from such debt. I'm going top pray for everyone who may be in a similar position too. I know that I will overcome this mountainous burden, but at what cost!

Anonymous said...

Just reading your comments just makes me sad, frustrated and angry that nz gov will not be willing to help or accept any once off payment. I am also 42yrs and have over the years have done the right thing and paid what I owe. working to get ahead which is why I left nz. Life there was a cycle of depression. I too pray that something good will come out of this for all of us. My loan was only less than 5,000.00 now its 46,000. On my last trip to nz in sept 2014 IRD were putting something in place to arrest anyone who owes student loan. At this stage they will not let you out of nz if visit unless you organise payment arrangement with IRD. that was my situation. Now I am paying 1111.00 a month. I have considered bankruptcy but I don't want this to affect my rating here in Australia. IRD have no heart. I have no intention in returning to nz.

Anonymous said...

Just had IRD Call me up insisting I pay them $5000 , regardless of income ,paying around 100.00 a week for the rest o my lifetime and the debt will just increase !! I like to think I would have paid it back , even though in hindsight it was a bad investment , hell I was 17 and everyone told me it was the best choice .

So now I can never return to New Zealand (quite sad about that ) and I will not be paying back a cent ! Thats what IRD get for playing hardball .

I did trying filling out a hardship application but really was not comfortable giving out so many details to a government in another country .

I am currently considering "using up" all my assets then declare myself bankrupt in NZ and hoping this will fix it ,

I only left NZ so i could get into the mythical over 30k a year bracket which wasn't going to happen in NZ .

IF you are overseas I would suggest paying nothing as the bubble will burst soon , and 57,000 wtf could they do ?

I can't even go back to NZ to renew my qualifications now , as I will get pinged "at the door "

So good work National !!! you have taken away all incentive for me to service my loan , I can't use my qualifications (TBF most 'tradies' earn more than office type jobs here) can never pay off the loan , and Im not under your jurisdiction . In short next time use honey , not vinegar .

Good bye New Zealand

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Katherine Walker said...

Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

Katherine Walker said...

Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

Katherine Walker said...

Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

Katherine Walker said...

Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

Katherine Walker said...

Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

John Wilson said...

Dear Sir/Madam,
Do you need funding?
Do you need a loan?
Do you need Business or personal Loan?
Do you wish to refinance your company?

We give out loan to any individual and company at 3% interest rate
yearly. For more information, Contact Email: wilson_loanfirm07@yahoo.co.uk
Name:
Age:
Sex:
Country:
State:
Amount:
Phone number:
Loan duration:

Email Us: wilson_loanfirm07@yahoo.co.uk

Regards
Mr John Wilson

Anonymous said...

Dear Sir/Madam,
Do you need funding?
Do you need a loan?
Do you need Business or personal Loan?
Do you wish to refinance your company?

We give out loan to any individual and company at 3% interest rate
yearly. For more information, Contact Email: wilson_loanfirm07@yahoo.co.uk
Name:
Age:
Sex:
Country:
State:
Amount:
Phone number:
Loan duration:

Email Us: wilson_loanfirm07@yahoo.co.uk

Regards
Mr John Wilson

Purva Sharegistry said...

My name is Busisiwe Mthanti,I am a Citizen Of New Zealand.Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dr Purva Pius Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:(urgentloan22@gmail.com)

Micheal Benson said...

To properly introduce myself, I'm Mr. Micheal Benson a private lender,i Give out loans at 3% interest rate, this a financial opportunity. at your door step, get your loan quickly. There's so much people out There looking for financial opportunities or help around the corner, and Places, and still they are not able to get one, but here it is. Financing opportunities on your door step and as such you can not afford To miss this opportunity This service is made to Individuals, companies, businessmen and women, and loans.The availability of any amount of your choice for more information. Contact us via email: michealbensonloanagency@gmail.com.

Loan application form and return it.

Full Name .................

Private phone number ................

Country .................

Address ................

State ..............

Age ..............

You have applied before or not. .............

Status ..............

Loan amount needed. ..................

Loan period ................

Occupation.................

Monthly Income ...............

In recognition of these details we will send you our agreement with the repayment schedule, and if you agree to the Terms and Conditions, you stand to get your loan within 24 hours, depending on the severity and urgency,and trust.
I am waiting for your quick response.

Yours truly

Micheal Benson

Anonymous said...

hello, are you in need of loan? you can get your problems solved when you runto him. am lady, Anna. from australia, last week on Monday it was seeking for a loans to pay my bills, so I got myself into the hand of different scams and I was scams by different lender, if it was not for the lady, sadaih is my good friend who present me to Mr alberts Benson (CEO) Mr. benson alberts mortgage, and he helps me with a loan of $ 500,000 without any more stress. so my good people of Spain, you can contact him via e-mail: (Albertsbensonloanhome@gmail.com) and do not forget to tell, that I present you to his enterprise

Rob Willams said...

Are you a business man? Are you in any financial stress? NEED MONEY to start your own business? Do you have a LOW INCOME and difficult to obtain loans from local banks and other financial institutions? The answer is here, Co.operate Loan Service is the answer. Interested candidates should contact us via: co.operateloanservice@gmail.com

We offer the following types of loans and many more;
*Personal loans,
*Business expansion.
*Entrepreneurship
*Education.
*Debt consolidation.
*Hard Money Loans.
Interested candidates should contact us via: co.operateloanservice@gmail.com

Anonymous said...

Do you need a loan to pay your bills, debt or to run your private business? Here comes the opportunity you have been waiting for we offer loan to private individuals and business people at an interest rate of 2% and repayment duration of your choice. If you are interested in a loan contact me via email universalfinancialhome212@yahoo.co.uk

* Are you financially squeezed?
* Are you in need of private or business loan?
* Borrow anything between $2,000.00 USD and $10,000,000.00 USD.
* Choose between 1 to 20 years for the repayment of loan.
* Choose between Monthly and Annual repayments Plan.
* Do you seek finance to set up your own business?
* Do you seek funding for various other processes?
* Do you seek funding for Tuition?
* Do you seek funds to pay off credits and debts?
* Do you seek loans to carry out large projects?
* Flexible Loan Terms.

* If you have any of the above problems, we can be of help to you, just apply for a financial help.
Email: universalfinancialhome212@yahoo.co.uk

Kind Regards
Ryan Flay

Micheal Benson said...

To properly introduce myself, I'm Mr. Micheal Benson a private lender,i Give out loans at 3% interest rate, this a financial opportunity. at your door step, get your loan quickly. There's so much people out There looking for financial opportunities or help around the corner, and Places, and still they are not able to get one, but here it is. Financing opportunities on your door step and as such you can not afford To miss this opportunity This service is made to Individuals, companies, businessmen and women, and loans.The availability of any amount of your choice for more information. Contact us via email: michealbensonloanagency@gmail.com.
Loan application form and return it.
Full Name .................
Private phone number ................
Country .................
Address ................
State ..............
Age ..............
You have applied before or not. .............
Status ..............
Loan amount needed. ..................
Loan period ................
Occupation.................
Monthly Income ...............
In recognition of these details we will send you our agreement with the repayment schedule, and if you agree to the Terms and Conditions, you stand to get your loan within 24 hours, depending on the severity and urgency,and trust.I am waiting for your quick response.
Yours truly
Micheal Benson

Betris Maya said...

HOW I GET A LEGIT LOAN @ 2% INTEREST RATE
I am a mum of three little kids. When i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find MARIA HAUSTIN Loan company (mariahaustin@hotmail.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact MARIA HAUSTIN Company with mariahaustin@hotmail.com For easy and safe transaction.

*Full Name:_________

*Address:_________

*Tell:_________

*loan amount:_________

*Loan duration:_________

*Country:_________

*Purpose of loan:_________

*Monthly Income:__________

*Occupation__________

*Next of kins :_________

*Email :_________

Contact her company Via Email: mariahaustin@hotmail.com

Alex Lawson said...

ALEX LAWSON LOAN FIRM INTERNATIONAL
Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms, companies and individuals at an affordable interest rate of 2% , It might be a short or long term loan or even if you have poor credit, We shall process your loan as soon as we receive your application. we are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We Offer guaranteed loan services of any amount to citizens and non-citizens we offer easy personal loans, commercial/business loan, car loan, leasing/equipment finance, debt consolidation loan, home loan, for all citizens and non-citizens with either a good or bad credit history. If you are in need our company email (alexlawsonloanfirm@gmail.com ) you can email us with your information.
NOTE:All Responses should be forwarded to: alexlawsonloanfirm@gmail.com for quick processing. thank you!

C.E.O/ Mr ALEX LAWSON.

Alex Lawson said...

ALEX LAWSON LOAN FIRM INTERNATIONAL
Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms, companies and individuals at an affordable interest rate of 2% , It might be a short or long term loan or even if you have poor credit, We shall process your loan as soon as we receive your application. we are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We Offer guaranteed loan services of any amount to citizens and non-citizens we offer easy personal loans, commercial/business loan, car loan, leasing/equipment finance, debt consolidation loan, home loan, for all citizens and non-citizens with either a good or bad credit history. If you are in need our company email (alexlawsonloanfirm@gmail.com ) you can email us with your information.
NOTE:All Responses should be forwarded to: alexlawsonloanfirm@gmail.com for quick processing. thank you!

C.E.O/ Mr ALEX LAWSON.

Britney Lynn said...

Hello Everybody,

TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE LIFE OF MY FAMILY

My name is Lynn Deborah. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.
They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company.

i am very happy i got loan from Ghana Republic.
If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lynn referred you to them.

contact via E_mail:Rodneyloan_finance@yahoo.com
Web: www.rodneyloanfinance.wix.com/firm

Mrs Sharon Sim said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) 008376918351 Thank you.

Mrs Sharon Sim said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) 008376918351 Thank you.

Osman Mohammed said...


Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested individuals who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us at Email:flourishloancredite@gmail.com
APPLICATION DETAILS
Your Full Details:
Full Name:
Loan Amount Need:
Loan Duration:
Phone Number:
Applied before?
State:
Monthly Income:
Country:
You are to send this to our Company Email;flourishloancredite@gmail.com

Williams White said...

I am Williams White,It gives me joy writing this article of my testimony on how i became financially stable,i believe there is no one that doesn't like money.
i am among those having joy now and i will save you that is reading this from financial mess on how to be financially stable with Abdul Majeed Loan offer.
Before now,i was earning very little from the work i do and it didn't take me and my family anywhere,but when i thought all hope was lost,then i saw in the news paper a financial institute that could better my life and my family for ever.
well i am fine today because i contacted them,i was offered a loan of 500,000 USD at 3% rate for 8 years.Today,i am living very large and i will forever be grateful to the MD of Abdul Majeed loan company for making me who i am today...
For as many in financial mess, bad credits, debt, in need or whatsoever challenges that you're in today don't fail to contact abdulmajeedloancompany@gmail.com and i do assure you that your desires will be manifested.

Sets Shaibu said...

I GOT A FAST APPROVED LAON @ 2% INTEREST RATE

I am married with two kids and i was stuck in a financial situation and i needed to refinance, pay debt and pay for my husband medical bill. I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it, i was introduced to VICTORIA LAWSON LOAN FIRM by a friend and i applied immediately with {marianlawson@outlook.com} loan sum of $30,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and good repayment plans, Contact Victoria Lawson Loan Firm with (marianlawson@outlook.com) I am so happy now and i decided to let people know more about her, she offers all kinds of loans. You can contact her company today

*Full Name:_________

*Address:_________

*Tell:_________

*loan amount:_________

*Loan duration:_________

*Country:_________

*Purpose of loan:_________

*Monthly Income:__________

*Occupation__________

*Next of kins :_________

*Email :_________

Anonymous said...

Are you looking for a Loan to enlarge your business? Do you need loan to pay off your debt and start a new life? You have come to the right place were we offer Loans at a very low interest rate of 3%. Interested people/company should please contact us via email: howardfreesloanlender@gmail.com

Contact us for more details and get funded.

Barry Jones said...


Apply for a quick and affordable loan with Barry Jones Finance Company. barryjonesfinance@hotmail.com
Are you in need of a loan, or have you been turn down by your bank before, this is the opportunity you are looking for. We offer all kinds of loan like business loan, car loan, company loan, venture capital, home loan, student loan or any loan of your choice at 2% interest rate. Interested persons should contact us at This email address: barryjonesfinance@hotmail.com

Christopher Jelaca said...

LOAN CREDIT OFFER
GOOD DAY,
We offer private, commercial and personal loans with very minimum
annual interest rate is lower than 3% at 1 year to 50 years maturity
period anywhere in the world. We give out loans ranging from $ 5,000
to $ 200 million U.S. dollars.
Our loans are well insured for maximum security is our
priority, you lose sleep at night worried about how to get a Legit
Loan Lender? You bite your nails to the quick? Instead of beating
yourself up, please contact Christopher Jelaca Loan Credit AGENCY TODAY (Loan
Services) now, Loan specialists who help stop the bad credit history, to discover the winning solution, which is our mission.
Interested persons should contact me by email:
Lender Name: Mr.
lender Email : christopher.jelaca_easyloanhouse@hotmail.com
With best wishes
Mr. Christopher Jelaca

Celia Jerry said...

i want to appreciate jackson west of accesscredits@yahoo.com for helping me to get an urgent loan i have been scammed total of $6700 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from Germany got her loan from the firm guarantee trust loans and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet scammers now!
if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc. contact the firm access credits via email.Accesscredits@yahoo.com

Bill Loans said...

I’m Henry Donald by name. I live in CANADA, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called HENRY LOANS COMPANY FROM USA who lend me an unsecured loan of $50,000 under 3hours without any stress. If you are in need of any kind of loan just contact him now via: henryloanscompany@yahoo.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from HENRY LOANS COMPANY FROM USA, i pray that God should give him long life. Email; henryloanscompany@yahoo.com

Geroge Philips said...

Do you need financing?
Do you need a loan for business or personal needs and project funding?
Do you want to refinance your business? .
We offer a loan for each person or company with an interest of 2% per year.
For more information, please contact us by e-mail:groege_phlilp@outlook.com
Note: Direct all e-mail to: groege_phlilp@outlook.com
Copyright 2016

Everyday Macroloanfirm said...

Good Day Sir/ Madam
This is a Filtered Family And Company Loans!!!

Do you have a low credit score and you are finding it hard to obtain capital loan from local banks/other financial institutes? Do you need a loan or funding for any reason such as :

This Loan will show you a way out from that trouble you may be facing. contact us through email standardlifeloanplc@gmail.com

a) Personal Loan, Business Expansion ,
b) Business Start-up ,Education,
c) Debt Consolidation ,
d) Hard Money Loans

We offer loan from $1,000.00 to $50,000,000.00 at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or "loans for any reason!"how ever, Our method, offers you the chance to state the amount of loan needed and also the duration you can afford , This gives you a real chance to get the funds you need! Any interested Applicants

should get back to us via email: standardlifeloanplc@gmail.com

Avit Investment said...

Greetings to you by ADIA.

We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.

Looking forward hearing from you soonest.

Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

grace tessy said...

Hello everybody, I am Mrs Grace,currently living in USA.I am a widow at the moment with three kids and i was stuck in a financial situation by October 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it,i was introduced to a man of God a private loan lender by a friend named Mr JACK WALMAN and i got a loan sum of $700,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans and schedule,please contact Mr JACK He doesn’t know that am doing this but am so happy now and I decided to let people know more about him,He offers all kinds of loans to both individuals and company and also i want God to bless him more. You can contact him through his email via:jackwalman93@gmail.com

elizabeth forbes said...

Hello, Good day to everybody reading this,

TESTIMONY OF HOW I GOT MY LOAN FROM aceloanservices@hotmail.com A LEGIT LOAN COMPANY

My name is Elizabeth Forbes from United States. I want to thank Mr John Michaels who helped me to get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone tried to dupe me of my money until I finally met Mr John. He was able to give me a loan of $10,000 USD. He can also help you. He has also helped some other colleagues of mine. If you need any financial help, kindly contact his company through email: aceloanservices@hotmail.com I believe he can help you. Contact him to get help just as he helped me. below are his words of encouragement to those seeking for a legit and honest private loan lender.


"Do you need a loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for other various purpose? email: aceloanservices@hotmail.com"

Thank you for reading and good luck.

Lillian Garland said...

Hello Everybody,

My name is Lillian Garland. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.
She gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a single parents with 3 kids I meant this honest and GOD fearing loan lender online Mrs Herlinda that helped me with a loan of $250,000.00 U.S. Dollar, She is indeed GOD fearing Lady, working with a reputable loan company.

If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lillian referred you to them.

contact via E_mail: herlinda.loanaid@gmail.com

Andrew Green said...

Hello, Are you in need of urgent financial assistance for a personal purpose or for your business needs? Getting a legitimate loan have always been a huge problem to clients who have financial problem and need solution to it urgently. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. Be careful not to fall victims of various online loan scams here and eventually lost your hard earned money. If you need a credible and reputable loan for: Debt Consolidation, Business Loans, Personal Loans, Construction Loans and Car Loan for any kinds contact : (Email: finance@wburke-lendings.com) or website: http://www.wburke-lendings.com, Tel: +1 (646)-513-4428 Skype: wburke-lendings. No social security and no credit check, 100% Guarantee. All you have to do is let us know exactly what you want and we will surely make your dream come true.

Mr George Larry. said...

Do you need a quick loan? if yes fill out the loan form below and get back now for your loan transfer ok.
At a low interest rate of 3%. Contact us today,so that we can proceed with the below information
Please email us (gorgelarryinvestment@hotmail.com)
Borrowers Information:
Name:
Country:
State:
Gender:
Age:
Loan Amount:
Loan Duration:
Loan Purpose:
Phone Number:
Fax:
Daily Income:
Weekly Income:
Monthly Income:
Have you apply before?

email us (gorgelarryinvestment@hotmail.com)

We await your response to apply so we can serve you better.

Thanks.

Mr George Larry.

Tunde Edwin said...

I’m Rose Albert by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs.Mary Clark who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: maryclarkservice1@yahoo.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mrs.Mary Clark, i pray that God should give her long life.

God bless him forever.

Rose Albert

Testimony on how i got my loan

Amanda Lisa said...

Hello, Do you need finance to consolidate your debt? Do you need funding to help your company get back on track? So I have the best solution for you. If your new business is like most startups, you're seeking loan somewhere between $5,000 and $5,000,000.00 million to get it off the ground. After exhausting your personal savings and loans from relatives and friends, your first instinct might be to get a bank loan or an SBA loan. Before you act on this instinct, let me tell you about this loan firm i got a loan from same day. Wiley Knight Loan Company is the right place to be, i got a business loan of $350,000.00 from this firm after been scammed of $1,790.00. But today i am a business owner and my business is fast growing,if you need any type of loan today do not fail to contact this firm because this is the right place to be when seeking for loan help, their interest rate is very low (2%) contact this firm today for your loans through email wileyknightloancompany@gmail.com and you will be glad you did. Email wileyknightloancompany@gmail.com Thanks..

Amanda Lisa said...

Hello, Do you need finance to consolidate your debt? Do you need funding to help your company get back on track? So I have the best solution for you. If your new business is like most startups, you're seeking loan somewhere between $5,000 and $5,000,000.00 million to get it off the ground. After exhausting your personal savings and loans from relatives and friends, your first instinct might be to get a bank loan or an SBA loan. Before you act on this instinct, let me tell you about this loan firm i got a loan from same day. Wiley Knight Loan Company is the right place to be, i got a business loan of $350,000.00 from this firm after been scammed of $1,790.00. But today i am a business owner and my business is fast growing,if you need any type of loan today do not fail to contact this firm because this is the right place to be when seeking for loan help, their interest rate is very low (2%) contact this firm today for your loans through email wileyknightloancompany@gmail.com and you will be glad you did. Email wileyknightloancompany@gmail.com Thanks..

James Morris said...

Hello,

My name is Guy Robin. I live in USA Florida and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.

If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mr, Guy Robin referred you to them.

contact via E_mail: jamesmorrisfundsoffer@gmail.com

bachledovazuzana said...

My name is zunna, I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help

thomson. loanservice said...

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Andrew Thompson said...

How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

Anonymous said...

I’m Anna by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Larry Graham who lend me a loan of $20,000 under 24hours without any stress. If you are in need of any kind of loan just contact him now via: grahamfunds2@gmail.com, I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Larry Graham, i pray that God should give him long life.

God bless him forever.

Anna Vegas

Osman raheem said...


Brothers/Sister's. Are you looking for loan to finance your large or small business,we'll help you get the large amount of loan you desire for your business,we offer first class business and commercial loan to enable small scale business attain success in obtaining start up or refinance their business Bad credit rating accepted and poor business performance are accepted.apply today via email ( osmanloanserves@gmail.com

Veths Senaso said...

Do you need an emergency loan for business or pay bills at 3% interest? We give loan to individuals and cooperate bodies, ranging from $ 3,000 dollars to $ 20 million dollars a maximum duration of 1 to 30 years, when to contact us below details.
(1) Names______
(2) Country________
(3) Telephone Number_______
(4) Gender_________
(5) Loan Amount________
(6) Duration: _________
(7) Monthly Income____
With respect,
Mr. HENRY
email:misscomforthousesofloan@gmail.com


Dr. Miss Comfort

Veths Senaso said...

Do you need an emergency loan for business or pay bills at 3% interest? We give loan to individuals and cooperate bodies, ranging from $ 3,000 dollars to $ 20 million dollars a maximum duration of 1 to 30 years, when to contact us below details.
(1) Names______
(2) Country________
(3) Telephone Number_______
(4) Gender_________
(5) Loan Amount________
(6) Duration: _________
(7) Monthly Income____
With respect,
Mr. HENRY
email:misscomforthousesofloan@gmail.com


Dr. Miss Comfort

Veths Senaso said...

Do you need an emergency loan for business or pay bills at 3% interest? We give loan to individuals and cooperate bodies, ranging from $ 3,000 dollars to $ 20 million dollars a maximum duration of 1 to 30 years, when to contact us below details.
(1) Names______
(2) Country________
(3) Telephone Number_______
(4) Gender_________
(5) Loan Amount________
(6) Duration: _________
(7) Monthly Income____
With respect,
Mr. HENRY
email:misscomforthousesofloan@gmail.com


Dr. Miss Comfort