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Applying does NOT affect your FICO® credit score!


The technology has developed rapidly to arrive at a point where most services can be accessed on the go. But things have not always been this way, and there were times when desktop computers were the only capable of supporting online shopping platforms.

Applying does NOT affect

your FICO® credit score!

With the advancement of technology, laptops became more affordable and online transactions became easier. Today, we have reached a point where mobile devices have become sophisticated and they have the capacity of a computer. This has not only made online shopping more comfortable but it has also made it safer.

The financial sector has not been left behind and now it’s possible to apply for a loan through websites optimized for mobile viewing. Also, several lenders have developed mobile apps dedicated to loan services.

To make the process of getting a loan easier, Nation 21 has an online platform where you can get a loan from the comfort of your home. Whether you are using a laptop or a mobile device, our platform ensures that you’ll get a unique and excellent customer experience.

Mobile loan websites

Many lenders have developed websites that have been optimized for easier use on mobile devices.

Although there are differences in the functionality of mobile versions, the basic process of applying for a loan is identical to the process followed when you are submitting an application on your desktop or laptop. However, most people are concerned about the level of security and are worried about their personal information.

Part of the lender’s responsibility is to make sure that your personal information is secure during online applications. Genuine lenders will have top-level security to ensure that all applications for mobile loans are safe and secure.

It is also important to ensure that you are dealing with an ethical service provider who won’t be sharing your information with obnoxious marketers.

However, you are responsible for ensuring your mobile device is safe and fit to make online transactions. Typically, any device that is used for online activities should be having a current OS as well as an updated antivirus.

For an added level of security, it’s important to install apps like Lookout so that any malicious activity on your accounts will be constantly monitored.

Mobile loan apps – Apply from Home

A mobile loan app is dedicated to helping you make loan applications on your mobile device. When these apps are being created, the programmers make an invest lots of time and effort in integrating security features for a safer service. This means that it can be as safe as the programmer has intended it to be.

On the flip side, not all lenders have the resources to create an entirely secure app. Therefore, it can have some security loopholes depending on the proficiency of the programmer. Before you use a mobile app to apply for a loan, it’s advisable you take some time to go through the privacy policy as well as the overall security.

Precautionary measures when seeking mobile loans

Besides ensuring your mobile device is perfectly safe, you have a responsibility to only deal with credible lenders. But before you even start the application process, you must be conscious of where and when you are submitting the applications. Before you make a transaction over a Wi-Fi connection at the café, consider your safety.

It’s easy to think that you’ll be saving some data on your phone, but the move puts your money at risk. Think about what would happen if the network has been compromised. A hacker can access your funds or even steal your identity which can wreak havoc within a short time.

It is necessary to use a VPN to add a layer of security for your online transactions. And before you key in your details, make sure the mobile website is genuine. Spammers and hackers have a tendency of creating sites with similar names to the original sites. Usually, a fake site will have funny characters on its address like /https// instead of /https//.


The convenience offered by mobile loans is outstanding especially if you have a busy schedule. If you can observe all the security measures mentioned above, you will enjoy a safe and flawless borrowing experience. Should you notice anything suspicious on your account, it is important that you contact the lender immediately to mitigate further damage.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?