Besides ensuring that you meet Quick Loan’s eligibility criteria, we advise you to consider a couple of essential factors before you decide on the right loan for your needs.    First, consider your capacity to pay off the loan and interest. Borrow only what you need and can afford to repay. We recommend that you shop around for competitive interest rates that keep your repayments affordable. Licensed moneylenders cannot charge more than 4% monthly interest, so you’ll enjoy low effective interest rates when you take out a loan with us.    Secondly, don’t rush to commit to a loan until you fully understand and are satisfied with the terms and conditions of your contract. Your chosen licensed moneylender must explain the loan terms to you in simple and accessible language and provide you with a copy of the contract for safekeeping.     Depending on your needs, your dedicated loan officer at Quick Loan will work with you to determine a repayment schedule and interest rate that best accommodates your financial situation.