From couples just starting out to empty nesters, anyone can use some extra cash from time to time. It could be to purchase a second vehicle, take a long-awaited vacation, or finally replace those kitchen appliances. It may be easier to count the number of stars in the sky than try to tally the reasons why Americans take out personal loans. Many consumers who have resorted to swiping the plastic have learned the hard way that their debt has mushroomed. One discipline that can keep that from occurring is to borrow the exact amount of funds required, which is one of the many perks of a personal loan. The interest rate and term of contract is set in stone, simplifying your money management efforts. Symple Lending can even draft the monthly payment via a bank draft on the due date, eliminating yet another hassle for you – especially if you are relaxing on a Caribbean beach.