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Family Loans: Does The IRS Care If I Lend My Kids Money?

Family loans: Does the IRS care if I lend my kids money? by TaxACT

You might lend your kids money from the time they are little – to buy a bicycle, to get that first car, or to buy a house.

Does the IRS have anything to do with these family loans?

For small loans, the answer is “no.”

The IRS isn’t concerned with most personal loans to your son or daughter. They don’t care how often you make loans, whether you charge interest, or if you ever get paid back.

However, there are exceptions.

Interest-free loans

If you loan a significant amount of money to your kids, say, enough to buy a house, it’s important to charge interest.

If you don’t, the IRS can determine that interest you should have charged was a gift. (In addition, the borrower may be more motivated to actually pay you back if there’s interest involved!)

The rate of interest on the loan must be at least as high as the minimum interest rates set by the IRS.

You don’t have to worry about skipped interest being subject to gift tax rules unless the interest you should have charged, combined with other gifts to the same person, exceeds $14,000 in 2013.

Loans that are really gifts

Some people may think they can give large amounts of money to their children and say it’s a loan, thus avoiding the hassle of filing a gift tax return.

The IRS is wise to that.

The loan must be legal and enforceable, or the whole thing may be deemed a gift.

Fortunately, it’s easy to make a loan legal.

Write a note that shows the loan amount, when it will be paid, the rate of interest, and any collateral or security (such as a car).

Have both parties sign the note, and keep it in a safe place.

For very large loans, or for loans attached to real estate, seek legal counsel to make sure you’re covered.

Student loans for tuition

You can make “student loans” to your kids by drawing up a contract like any other loan.

When they graduate and start making payments to you, you will pay tax on the interest income, and the kids can take the student loan interest deduction.

Take a bad debt deduction if your child doesn’t pay you back

One of the advantages of writing up a loan contract is that if your child doesn’t pay, you can take a deduction for a nonbusiness bad debt.

In addition, you don’t have to pay gift tax on the amount, as you would if you had given the money outright.

To take a bad debt deduction, you must prove that you tried to collect the debt.

The debtor should make a written statement that he or she cannot pay, and include a good reason, such as unemployment.

Filing a gift tax return for a loan

If I have to file a gift tax return for a “loan” that the IRS determines is really a gift, will I owe gift tax?

Probably not.

You only owe gift tax when your lifetime gifts to all persons exceeds the lifetime gift tax exclusion ($5,250,000 in 2013).

For most of us, that means we’re safe.

Other family loans that are safe from tax consequences

You don’t have to worry about family loans being subject to gift tax rules if:

  • You lend a child $10,000 or less, and the child does not use the money for investments, such as stocks or bonds.
  • You lend a child $100,000 or less, and the child’s net investment income is not more than $1,000 for the year.

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About Sally Herigstad

Sally Herigstad is a certified public accountant and personal finance columnist and author of Help! I Can't Pay My Bills, Surviving a Financial Crisis (St. Martin's Griffin). She writes regularly at CreditCards.com, Bankrate.com, Interest.com, RedPlum, and MSN Money. She is an experienced speaker and a member of Toastmasters International. Follow Sally on Twitter.

70 comments
Mrs Lettier Robenison
Mrs Lettier Robenison

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey

Stacy Blair
Stacy Blair

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Contact him now for your own miracle via email: Otiagbe@yahoo.com

kathlynross00
kathlynross00

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mccart1234
mccart1234

Good Day

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Mrs Ralph Lauren
Mrs Ralph Lauren

Hello Every One,
  My Name is Mrs Ralph Lauren i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bills for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender MR MICHAEL DAVID,who provides loans at an affordable interest rate and i have been hearing about so many scams on the internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $70,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender MR MICHAEL DAVID and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via..michaeldavid364@gmail.com,and i want you all to pray for this man for me
 
THANKS
 
Mrs Ralph Lauren

Mrs Richard Carey
Mrs Richard Carey

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey


 

Mrs Richard Carey
Mrs Richard Carey

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey


faithberry903
faithberry903

I’m Mary Berry 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. Born Hook  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: secureloanfirm@hotmail.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.
 
God bless him forever.

Mr Bill Johnson
Mr Bill Johnson

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jamesmack19
jamesmack19

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AbAb1
AbAb1

Hello,people,beloved

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thanks
Mrs Mary Smith

AbAb1
AbAb1


Hello,people,beloved

I am Mary Smith am writing this letter because am really grateful for what  Mrs Clara Morgan did for me and my family, when i thought there was no hope she came and make my family feel alive again by leading us loan of low interest rate of 2% i never thought that there are still genuine loan lenders in the Net but to my surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like you to email VIA (clara_morgan@outlook.com) i wish you all success

thanks
Mrs Mary Smith

David002
David002

Mrs Paulina Gibson.

My Name Is Mrs Richard Cynthia, I want You all To be careful here,nobody can help you here or even suggest how you can get financial assistance or any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a MAVIS LOAN FIRM,I was referred to her by  my cousin,who is by name,Mr.Clement Jude Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $125,000.00usd AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared and as God will have it,little did I know that my financial shortcomings has come to a reality. If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my son,and my son (Michael) was faced with a ” between life and death ” situation ..I was faced with his hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2.5%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) Her Name is MRS STELLA MAVIS, Feel free to email her at his via Email:stellamavisloanlender91@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Cynthia

harrydavisfinanceagency
harrydavisfinanceagency

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AaliyahAlsaid
AaliyahAlsaid

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Por favor complete el formulario de solicitud a continuación:


SOLICITUD DE CRÉDITO

Su nombre *

Su dirección de correo electrónico *

Teléfono Completo *

Su dirección *

Su ciudad *

Estado / Provincia *

Tu país *

Fax *

Fecha de nacimiento *

¿Tienes una cuenta? *

Tiene usted antes ? *

Los ingresos anuales *

Monto del préstamo necesario *

Duración del préstamo *

Propósito del préstamo *

Deseo recibir una copia escaneada de su identificación : *


Acreedor: Sr. Enrique Sánchez

Prestamista E - mail: sanchez_loanfirm@live.com


Atentamente,

Sr. Henry Sánchez Prestamista

baringwreer293
baringwreer293

Hello Every One,
My Name is Mrs Barbara Arnold, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr Barry James who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Barry James  and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via barrylender070@hotmail.com     and i want you all to pray for this man for me

THANKS

Thomsclerk
Thomsclerk

Dear Sir/Madam
Are you a business man or woman? Are you having financial distress or you want to fulfill that dream of yours and you need fund? Are you having difficulties in obtaining a loan from hard lenders or banks because of their high loan fees/requirements? Do you need a loan for any legitimate reason?

Then worry no more as the' Thomas Loan Company" has come to offer loans to interested applicants both locally and overseas no matter the s*x or location but age must be 18 years and above. We offer

loans ranging from $10,000.00 (Ten Thousand United States Dollars to $50,000,000.00 (Fifty Million United States Dollars) on a 3% interest rate, under a collateral or non-collateral loan process which can either be on a short or long term loan depending on the applicant choice.

we offer personal loans, debt consolidation loans, venture capital, business loans, student loans, home loans or loans for any legitimate reason.

For further enquirers and to apply for a loan from us, please feel free to contact our application desk via this email: thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com

Regards,
Thoms Clerk LOAN COMPANY (CEO)

Mrs Richard Carey3
Mrs Richard Carey3

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey

Mrs Richard Carey3
Mrs Richard Carey3

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey

DonaldCannes1
DonaldCannes1

Dear Sir/Madam

Are you a business man or woman? Are you having financial distress or you want to fulfill that dream of yours and you need fund? Are you having difficulties in obtaining a loan from hard lenders or banks because of their high loan fees/requirements? Do you need a loan for any legitimate reason?


Then worry no more as the' Thomas Loan Company" has come to offer loans to interested applicants both locally and overseas no matter the s*x or location but age must be 18 years and above. We offer


loans ranging from $10,000.00 (Ten Thousand United States Dollars to $50,000,000.00 (Fifty Million United States Dollars) on a 3% interest rate, under a collateral or non-collateral loan process which can either be on a short or long term loan depending on the applicant choice.


we offer personal loans, debt consolidation loans, venture capital, business loans, student loans, home loans or loans for any legitimate reason.


For further enquirers and to apply for a loan from us, please feel free to contact our application desk via this email: thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com


Regards,

Thoms Clerk LOAN COMPANY (CEO)


LinPoh
LinPoh

Dear Investors/Financial Seekers.


We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 3% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world.


We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO.


Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We'll help you get over those financial obstacles.


Interested Individual OR Companies should contact us via:

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Regards,

Lin Poh Loan Firm Team.

Mrs Richard Carey3
Mrs Richard Carey3

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey

MonicaLarry
MonicaLarry

Yo soy la señora Jessica Vergas, yo y mi marido Acabo de recibir una
préstamo de esta empresa llamada SEÑORITA MONICA CASA DE INVERSIÓN préstamo sin
Estamos siendo scammed.i Estoy tan feliz de que después de todos estos años todavía podemos
encontrar nuestros pies hacia atrás again.I estoy muy feliz de que ahora que no tenemos una
trabajo podemos encontrar la manera de vivir de nuevo y quiero decir a cada cuerpo que
si necesita ayuda financiera que usted puede contactar con ellos por correo electrónico a
TEXCOLOAN24HOURS@FENGV.COM

Gracias por escuchar, que Dios te ayude demasiado.

Saludos,

Sra. Jessica Vergas

vincentharry
vincentharry

Tooke House 

20 Bull Plain 

Hertford 

Herts 

SG14 1DT 

london 

United Kingdom 

LeeMarie1
LeeMarie1

I am  Mrs Jessica Vergas,i and my husband just got a
loan from this  company called MISS MONICA HOUSE OF LOAN INVESTMENT without
we being scammed.i am so happy that after all this years we can still
find our feet back again.i am so happy that now that we do not have a
job we can find a way to live again and i want to tell every body that
if you need financial help you can contact them via email at
TEXCOLOAN24HOURS@FENGV.COM

Thanks for listen, may God help you too.

Regards,

Mrs Jessica Vergas

Judycarrolchurch
Judycarrolchurch

Hello Everybody,

ROLAND TRUST FUND has done it again,

I am Mrs Judy, currently living in Marseille city, France. I am a widow at the moment with three kids and i was stuck down in a financial situation by November 2013 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 name Mr Roland Mark who gave me a loan of $50,000.00 USD 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 3% and better repayment plans and schedule, please contact Mr Roland Mark. He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email via:(rolandtrustfund@outlook.com) He has done it before and he is going to done it for you please don't doubt anything if there is anything he ask you to do just do it and I swear you will never regret it.

jointrs1234
jointrs1234

Hello My Dear,

i am Joni Dale from Los Angele’s in United State of America am testifying of a company that have human feeling and God fearing person, who i meet in yahoo answer in not less than 48 hours ,i was looking for a private Loan company where i can get a loan of about 190,000us dollars .so i saw someone testifying for a company that give her a loan of about 80,000us dollars within 24 banking hours’ Then i contact the company because i don’t believe in testimony, so i just say let me try if the company can help out of my financial problem, Mr. John Harrison mail me and he said i should fill the form that was send to me that will enable them proceed on the loan immediately and i did and i follow all the process with they give me , so to my greatest surprise the loan was transfer to my bank account not less than 24 hour. I don’t know the kind of financial problem that you are having or you are have a dream of having your own house. this is the company that can make your dream come true email them today at (   john.harrison071@lenderdesk.info   ) and you will be happy as i am today


Thanks

 Paul Luis
Paul Luis

My name is Mr Paul Luis, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for (harrysmithloanfrim88@gmail.com) they will never fail, your life shall change as mine did.
Feb 4, 2014

larrywhiteloanservice234
larrywhiteloanservice234



Hello,

Are you a man or a woman you have been looking for a loan? To expand
your business or setting up your own business or to pay off your debt
or house rent if so then we are your answer, We offer loan from
5,000.00 to the maximum of 500,000,000.00 Euro Dollars Pounds Rubles Pesos with any
duration that you can afford and any type of loan requested by the
customer must be such as:

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* Business Loan
* Private loan

And More.....

immediately after filling the loan application form you can
immediately return back to us, following data:

LOAN APPLICATION

Name: ___________________________________________
Loan Amount Needed: ___________________________
Sex: ___________________________________________
Marital Status: _________________________________
Country: ________________________________________
State: ________________ Age: _________________
Telephone No:________________________________
Loan Duration:__________________________
monthly Income:______________________________
Occupation: ______________________
Purpose of loan: _________________________
Religion: _____________________________________

Contact Us Back via our company mail: lanceloanfirm234@qq.com

Regards.
Mr.Lance

LinPoh
LinPoh

Dear Investors/Financial Seekers.


We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 3% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world.


We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO.



Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We'll help you get over those financial obstacles.



Interested Individual OR Companies should contact us via:


Email:{linpohloanfirm@yahoo.com.sg}


Regards,


Lin Poh Loan Firm Team.

drcliffecarloswu
drcliffecarloswu

Hello, My People i am Mrs. Sandra D. Bents from Canada, God has bless me with two kids and a loving husband, I promise to share this because of God favor in my life,2months 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 a loan lender not knowing he was a scam. he collected 2,000USD 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 Lee Chang Loan Company she said she was given 50,000USD by Mr.Lee Chang , so I collected his email Address: leechangloancompany.ch@gmail.com ,he told me the roles and regulation and I followed, then after processing of the Documents, he gave me my loan of 30,000POUNDS.

Mrs Richard Carey3
Mrs Richard Carey3



My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey

wisdomloanfirm057
wisdomloanfirm057

Hello,


Are you in need of a loan?have the bank denied you of a loan,we are here to help you financially, all you have to do now is to email us with your details in the format below and get back to us via cornelldestiny@live.com to get your instant loan of any amount at any destination.


Name:

Amount Needed:

Duration:

Country:

Address:

Purposes:

Phone number:


We await your response.

Cornell Destiny.

miss monica
miss monica

To whom it may concern,

I am  Mrs Jessica Vergas,i and my husband just got a
loan from this  company called MISS MONICA HOUSE OF LOAN INVESTMENT without
we being scammed.i am so happy that after all this years we can still
find our feet back again.i am so happy that now that we do not have a
job we can find a way to live again and i want to tell every body that
if you need financial help you can contact them via email at
missmonicahouseofloan@gmail.com.

Thanks for listen, may God help you too.

Regards,

Mrs Jessica Vergas

Mrs Richard Carey3
Mrs Richard Carey3

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Lauren Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey

mrs mary
mrs mary

@james111  

Hello i saw your ads, if you need a legit loan, i will advise you to contact Mr Barry Shaw, because i have gotten a loan from him last week ago. Contact him on his email: Barryshawloanfirms@gmail.com 

jonnafinance04
jonnafinance04

do you need an urgent loan:? if yes email us today at: jonnafinance@outlook.com

E_mail: jonnafinance@outlook.com

james111
james111

If my dad gave me a 300000 loan to help me buy a house, but it is unsecured, how to I complete a form to document the interest I paid to the IRS?

makatimorganloancompany
makatimorganloancompany


This is to inform you that we offer all types of Loan (Business, Personal, Consolidation, Car, Investment, etc) @ 3% annual rate. Do you need a loan and have been turned down by your bank due to bad credit? Do you have unpaid bills or in debt? Do you have dreams of setting up a business? Contact us for a loan today and put a stop to all your financial barriers.We are fast and reliable and honesty is our watch word.
 
 
 
MARCEL VOLZKE FINANCE  ( U.S)
marcelvolzke@aol.com

Mrs Juliana Gandaff
Mrs Juliana Gandaff

My Name Is Mrs Juliana Gandaff I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you must ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Frank Robison Loan firm,I was referred to by my cousin,who is by name,Mr.Sheheld Raff Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $70,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my son,and my son (Lazaki) was faced with a ” between life and death ” situation ..I was faced with his hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2.5%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is Mr Frank Robison,Feel free to email him at his Email:frankrobisonloancomapany01@gmail.com ” and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Juliana Gandaff

Mrs Anni Jannet
Mrs Anni Jannet


I NEVER THINK I WILL SUCCEED IN GETTING A LOAN FROM THE INTERNET Good day, My Friends be very carefull, I am Mrs Anni Jannet,an American who base in the United Kingdom, i am so confidence to say that one's in my life time i can experience legitimacy in loan company on the Internet world, if i was directed by somebody else to this company, i wouldn't have written them because i have been fooled several times by online loan firm on the Internet and i decided stay off applying for loan online until a time came when i was having financial problem due to the predicament i had in my place of work that leads to my sack off in my place of work and i have nobody to run to, my credit was very low, my rent was approaching it expiring dates and my kids have to been in school but due to my ex-sense spending before i got sack off from place of work i have nothing solve all this problem. I have no other option than to come online looking for online loan firm that will help me out of my financial problem and i came across a loan firm and i was scammed of $5000USD in my attempt of obtaining a loan from them and i almost committed suicide and i ask my self is this the end of my life because i am a dieing mother of three kids to take care of, where will i get money to finance their education and pay my bills? all this are the questions that kept running inside my mind and became frustrated in the process of doing that and a words of encouragement came into me instantly saying it is not over yet, keep trying and you will definitely got in touch with your helper very soon and i stood up and said i will give this a last try and if nothing happens that means there is no hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Christiana Douglass) saying that she has never seen a real loan firm like MR Stenphen Mooner LOAN COMPANY and instantly i consulted the loan firm by the email which she place on the post and in that same day i got response from the manager (Stenphen Mooner) and he forward to me all the Rules and Regulations that is guiding the company which will enable me to obtain the loan from them and i ask him how long will it take me to finish the process of my loan because i am planning of getting into business after i lost my job and he said it will take us three to four days if i am fast in replying their message. I ask him, hope i am not going to send any money to them because i was told here in my country that i shouldn't send any money in getting a loan and he replied by saying that it surprise him when i said that because their is no loan firm online who will render service to a loan seeker without him/her paying anything upfront. It sound very hurt to his hearing and he took it as a pain and explained everything to me and when i have a rethink about it i discovered it was true and that was were those false loan firm took advantage in defrauding people of their had earn money and he gave me his words that i should go on with them and he will took me by surprise that they are truly for real and i went on and apply for a business loan of $200,000.00 USD for the duration of 10years and i paid all the charges that are needed to be paid and like he said he is going to surprise me, that was what he did, it was then i knew that there are still real loan company on the internet otherwise i wouldn't have known. here is the consultation address:stenphenmoonerloanoffer007@gmail.com,if you want to consult them for more information

Thanks

Mrs Anni Jannet

markwilliamsfinanceagenc
markwilliamsfinanceagenc



Do you need a loan for any reason? Do you need a loan to start up a business? you can get afforable loan from us at 3% interest rate contact us via email: markwilliamsfinanceagency@gmail.com

jonnafinance04
jonnafinance04

Are you need an urgent loan? Do you need any kind of loan to start up a business? Do you need a loan to buy a house or a car? Or do you need a loan to pay your bills or to take care of your self? If yes email us today at jonnafinance@outlook.com and get your loan..

Email: jonnafinance@outlook.com
 Regards
Mr Jonna

johnlengendloanfirm
johnlengendloanfirm




Hi
I saw your question I have decided to help people out due to the fact that I myself has been scammed twice by fake lenders in my search for a loan but at last I got a reliable lender that gave me the loan($30,000 USD) that I was in dire need of. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can get to him via his email address
johnsonwilliams6100@gmail.com Please tell him that Emmanuel Wass and her sister joy Wass he gave out a loan to me . I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey please get to him and tell him that I referred you to him.mail address once more via:
johnsonwilliams6100@gmail.com.

Helen02
Helen02

Hello, i my name is Mrs Helen i live in USA i applied for a loan of 100000Usd some weeks ago from a scam pretend to be a loan lender,they rip me off the sum of 2000Usd and they ran away from me and i was totally confuse in life luckily a good friend of my from Texas Mrs Lucy Parker testify how she was rescued from a God sent loan lender who rescue her and gave her the loan amount of 20000Usd so she gave the email (robertwillfunding@hotmail.com) i also contact him he did a nice thing for me and my family and loaned me the loan amount of 20000Usd he is real and God will bless him so good should contact him on email.

Email: robertwillfunding@hotmail.com

mrs mary
mrs mary

@james111 

Hello i saw your ads, if you need a legit loan, i will advise you to contact Mr Barry Shaw, because i have gotten a loan from him last week ago. Contact him on his email: Barryshawloanfirms@gmail.com 

provident123456
provident123456

@james111 contact mr richard on -provident.loancompany01@gmail.com i think he can help you with that

jonnafinance04
jonnafinance04

do you need an urgent loan:? if yes email us today at: jonnafinance@outlook.com