While AIG primarily offers insurance to individuals and businesses, the company is also able and willing to offer potential clients a number of banking services and products, including AIG consumer lending services. AIG loans do require common criteria in that they will review one's individual or business financial history to determine the credit worthiness of an entity prior to committing themselves to offer consumer or personal loans.

When considering taking part in a personal loan AIG offers or AIG consumer loan products, personal and AIG consumer loan research is important. Potential clients likely have questions regarding AIG consumer loan interest rates and AIG unsecured personal loans. This makes AIG consumer loans advice and ratings invaluable. Individuals and businesses may collect AIG loan information when they:

1. Enroll in discussion boards and online forums to discuss AIG consumer lending and personal loan AIG options.

2. Learn about AIG personal loans and AIG consumer loans, in order to make educated decisions about these types of loan services.

3. Review professional and expert blogs offering their own AIG consumer loans advice and ratings.

4. Confer with review sites to see what others have to say about the company and AIG loan information.

Action Steps
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Browse discussion boards and forums for consumer information regarding AIG loans

Discussion boards and forums offer interested parties the opportunity to review the experiences and knowledge of others regarding AIG loans. In addition to this, such websites allow forum members to ask questions, pose concerns and get feedback with relation to their concerns about AIG loans.

I recommend: In difficult economic times, many individuals and businesses are likely concerned over whether or not a bank would be able to assist them by offering consumer loans. AIG is able to continue to offer consumer loans and banking services in part thanks to federal bailout money being offered. ThisBlueMarble.com discusses the consumer department of AIG.

Visit educational and informative websites in order to get valuable information about AIG loans

Informative sites can offer a great deal of beneficial advice when it comes to AIG consumer loan products and services. The right AIG consumer loans information can allow individuals to make the most educated and informed decisions regarding such AIG services and products as AIG unsecured consumer loans, AIG payday loans and AIG unsecured personal loans.

I recommend: FILife.com offers basic general information regarding AIG consumer loans. There is also a section of the page dedicated to reviewing the consumer loans offered by the company. Company and chatter information is also available from this website. Meanwhile, AbsoluteAstronomy.com offers detailed company information, including company holdings and history. This type of information can assist individuals and businesses in determining whether or not such a company would benefit them and adhere to the same values they hold.

Take part in reading financial blogs focusing on AIG consumer loan research

Financial blogs allow experts and novices to discuss their experiences which coincide with AIG consumer loan research and AIG consumer loans information. In many cases, these types of websites can help make applicants of AIG consumer lending services more prepared for the process which awaits them.

I recommend: Similar to the present information being offered in discussion boards and forums, blogs such as the BondDadBlog and PTMortgage.com offer detailed information with respect to the economic standing of AIG. This information can assist businesses and individuals in determining whether or not AIG may be a positive resource with respect to consumer and personal loans.

Read review sites for information and details on AIG loans and company information

Ratings sites offer AIG personal loan and AIG consumer loan research in a straightforward and easily understood manner. Such sites can also allow readers to glean valuable AIG consumer loans information quickly and efficiently, without having to perform the actual research themselves.

I recommend: Rating sites can offer valuable insights as to the current standing and general opinion regarding AIG loans. TheMortgageInsider.com discusses the credit rating of AIG, while GlassDoor.com reviews employee competence and training. This offers potential clients insight into what and who they will be dealing with should they get a loan from AIG. A review of AIG can be found at TheBaselineScenario.com.

If you already do business with AIG, it's only natural that you would consider them for a personal loan. AIG is primarily an insurance company, but they also offer a wide range of banking products, including AIG consumer loans.

As with any lender, they will take a look at your financial information before decided whether to give you an AIG personal loan. Be prepared to show your credit score, other debts you have and proof of income. This information shows your credit-worthiness and determines whether they can loan you money.

You can use AIG consumer lending to:

1. Take out a short term loan to cover mid-range expenses. AIG consumer loans can cover a wide variety of expenses, from remodeling expenses to vacation costs.

2. Purchase a home. AIG consumer lending services offers home mortgage and refinancing programs for consumers. This is a great way to cover the expense of a new home.

3. Start a business. AIG loans aren't just for consumers. Business owners can also apply for loans through AIG to help fund the costs of running their business.

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Use AIG loans to fund your business

Business owners face a number of expenses, especially when first starting their business. Many need to look for funding sources that allow them to make the purchases they need, while paying the money back over time.

I recommend: Consider using AIG for business funding. They offer a number of financing options, such as equipment financing and franchise financing. You may also be interested in AIG's leasing options, especially if you are in the airline industry.

Take out AIG personal loans to cover your expenses

When you need money, you should contact AIG personal lending services to learn about their programs. They offer a number of lending services for consumers. In less than an hour, you can have the money you need to purchase the things you want.

I recommend: Think about using AIG for a large purchase such as a home loan. For smaller loans, apply for AIG consumer loan products to cover your costs.

Compare AIG personal loan rates with those of other companies

Before you sign an agreement, make sure that you check the rates of other loan companies to make sure that you are getting the best deal. You may have had a positive experience with AIG in the past, but that doesn't mean that they always have the best deals.

I recommend: E-Loan is a popular loan program that offers a number of different programs. You may also want to visit Lending Tree, where you can view the rates of several different banks almost instantly.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  It's important to have good credit, so make sure that you pay back AIG consumer loans on time. This helps to improve your credit score.

AIG is the abbreviation of American International Group, Inc. which is a major insurance and financial services corporation. AIG offers many types of consumer loans including loans for major purchases, debt consolidation and education. Take the time to do AIG consumer loan research to find the loans that fit your requirements. There are many places online where consumers can find AIG consumer loans information and resources.

Go to any of the AIG websites to find information about contacting a local AIG branch office. Then you can talk to an AIG loan agent and find out more information as well as have your questions answered about AIG loans. Here are some additional things to consider about working with AIG consumer loans:

1. Use AIG personal lending services to finance college educations for yourself or your children.

2. Research working with AIG consumer loans to buy or remodel a home with AIG consumer lending services.

3. Consolidate debts with AIG unsecured consumer loans.

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Utilize personal loan AIG services to finance college and university education programs

For those considering a college or university education and don't have the finances to afford one, there are AIG loans created just for you. Since a college education is an important investment, take the time to do AIG consumer loan research to find the best loan that best fits your needs.

I recommend: Learn about using an AIG personal loan to finance a college education at American General Financial Services. Read the article at AIG Retirement to learn about student loans and ways to invest in your child's education.

Purchase or remodel a home with AIG personal loans

Since buying a home is a major investment for most consumers, AIG offers personal loan services to potential home buyers. Use AIG loans to not only purchase homes, but also to remodel them so that soon you can have the home of your dreams.

I recommend: Learn about AIG consumer loan interest rates for home loans and remodeling at AIG Home Loans. Apply for a home loan from AIG Bank to finance the purchase.

Use unsecured AIG loans to manage investments and consolidate debt

AIG has many options available for those who want to manage investments and consolidate their debts. There are AIG payday loans which are short-term loans given to cover funds until the next pay check. There are also AIG unsecured personal Loans for those who don't have collateral but need a loan to help them consolidate their debts.

I recommend: Learn about working with AIG consumer loans available to help users consolidate debts and manage investments at AICredit Corp. Read the AIG consumer loans information at FiLife to learn about the AIG's debt consolidation services.

If you're short on cash, you can use AIG consumer loans to pay for all sorts of big-ticket items: cars, boats, motorcycles, computers and home entertainment equipment are all fair game. You can also use the loans to pay for debt consolidation, home improvements and college tuition, so they can be helpful whether you need the money for business or for pleasure. With their online application and quick response time, borrowing from AIG is also relatively easy.

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Unsecured loan

AIG offers consumers both secured and unsecured loans. Secured loans require you to sign over some of your property (your car or house) as collateral in case you default. Unsecured loans, however, are based solely on your good credit rating.

I recommend: For a brief but clear definition of unsecured loans, visit Investopedia.

Annual percentage rate

When applying for an AIG consumer loan, always keep the annual percentage rate (APR) in mind. This is the total amount of interest your outstanding loan will accrue each year and decides how expensive the money will be for you to borrow.

I recommend: Read a short definition of APR on Investorwords.com.

Verisign SSL

Verisign is what AIG uses to protect your online consumer loan application from identity theft. The company offers some of the most widely used and effective security software available.

I recommend: Visit the Verisign website for more information about Secure Sockets Layer (SSL), the technology used to make your loan application secure.

Credit rating

If you're applying for an unsecured consumer loan from AIG, you'll need a good credit rating to be approved. Your credit rating is a combined number that reflects how reliably you have paid back money you've borrowed. This includes credit card debt, auto loans, student loans and other credit-based transactions.

I recommend: If you're unsure of what goes into your credit rating, read this guide from MSN Money.

Size restriction

A size restriction limits the amount of money you can get in one loan. For better or for worse, AIG does not put size restrictions on its consumer loans, meaning you can get as much money as you need, as long as you have appropriate collateral or a good credit rating.

I recommend: Check out the homepage of AIG Consumer Lending for more information on size restriction and other consumer loan terms.

Fixed and variable interest rates

Some consumer loans have fixed interest rates, while others may have variable rates that change depending on other benchmarks, like the London Inter Bank Offer Rate (LIBOR) or the federal funds rate. Knowing what kind of rate you're getting is extremely important to planning your finances and managing your debt.

I recommend: Find out what causes interest rates to move by watching the headlines and reading the analysis at Forbes.