While the title of this post may seem like this would be some sort of paid review, I am actually writing about a company from personal experience. I love to speak out about companies that I have good experiences with, because I want others to do the same.

Many of us are business owners, or people that are thinking about starting a business. Many times cash is a hurdle, and many times getting somewhere between $10,000-$100,000 is enough to overcome that hurdle. Or say you want to buy a car, dealing with your bank or a company like Capital One Auto Finance can be a huge hassle, especially if you’re not buying from a dealership, as there is a lot of back and forth.

When I was buying my Dodge Viper, I was also selling my Corvette at the same time. Since I wanted to pay cash for the Viper, I also wanted to make sure I had a safety net of money in case it would take me longer than I thought with my Corvette. I started to look for a loan option with a low APR, and came across a company by the name of First Again. The concept behind this loan company is awesome, and here’s why:

• You can only get approved for a loan if you have excellent credit
• Since they only accept people with excellent credit, it enables you to get way lower rates. I got at least 3% lower than what I could find for a used car from an actual person.
• It doesn’t matter what you use the loan for. You can use it to finance your business, buy a car, pay your credit card bills, do home improvements, etc. They call it an AnythingBill.
• Your loan comes in the form of cash. You don’t have to get a check to write out to a particular person or play any sort of waiting games.
• If you apply for a loan, and get approved, they transfer money to you right away. I literally applied for a $10,000 loan, got approved, and the next day I had $10,000 extra in my bank account. This was a huge selling point for me.
• There are no fees for paying the loan off early. I ended up selling my Corvette two weeks after getting the loan…I simply paid off the total loan right away, ended up paying that first months interest, and that was that. It was quite cheap for the peace of mind that I took the loan out for.

This was by far the best loan experience I’ve ever had, and I can easily personally recommend First Again for your next loan.

If you have any other companies that you recommend, post a comment and let me know (let me know why as well)…or if you’ve used First Again, let me know your thoughts.