Personal Loan of $2,000 to $10,000

A fully digital, paperless online lending platform that allows customers (we call them Ferratum family members) to apply for their own Personal Loan of $2,000 to $10,000 from 12 months to 60 months.

Application is easy, and available 24/7 – so our customers will never have to step foot in a bank to get the funds they deserve. We use 300+ data points to identify ideal customers for our Financial Products, and quick 10 minute online application lets customers pick how much they need, and for how long. The best part is, the funds are deposited directly to your every day bank account in under 24 hours. We’re proud to say we have some of the fastest payout rates in the country.

Personal Loan lending criteria (the important stuff)

We have a few simple lending criteria we’d like to talk about, and we know you’ll be able to find our ideal candidates:

  • A Canadian citizen living in Alberta, Ontario, or British Columbia
  • Has their own Bank Account, Mobile Phone, and Email Address
  • Be 21 years of age and up
  • Actively employed
  • Proof of monthly recurring income that does not come from disability insurance, employment insurance, or social assistance
  • No previous bankruptcies or consumer proposals
  • Has Fair to Good credit (we perform a credit check on all new applicants)

Click here to apply Personal Loan here.


Feature of PAL APP

Pal APP is for everyone who wants fast and reliable messaging and calls. Business users and small teams may like the large groups, usernames, desktop apps and powerful file sharing options.

1)Zero Space : There is no need to worry about disk space on your device. With Pal APP cloud support and cache management options, Pal app can take up nearly zero space on your phone.

2) Groups: Pal groups can have up to 100,000 members, we support replies, mentions and hashtags that help maintain order and keep communication in large communities efficient. You can appoint admins with advanced tools to help these communities prosper in peace. Public groups can be joined by anyone and are powerful platforms for discussions and collecting feedback.

3)Photo Editor: In case you’re more into pictures, Pal has animated gif search, a state of the art photo editor, and an open sticker platform (find some cool stickers at app)

4)) File Sharing: Share an unlimited number of photos, videos and files (doc, zip, mp3, etc.) of up to 1,5 GB each.

5) Voice Calls: Secure, Crystal-Clear, AI-Powered : calls are the best in terms of quality, speed, and security.

6) Secret Chat: Secret chats are meant for people who want more secrecy than the average fella. All messages in secret chats use end-to-end encryption. This means only you and the recipient can read those messages — nobody else can decipher them, including us. On top of this, Messages cannot be forwarded from secret chats. And when you delete messages on your side of the conversation, the app on the other side of the secret chat will be ordered to delete them as well.

You can order your messages, photos, videos and files to self-destruct in a set amount of time after they have been read or opened by the recipient. The message will then disappear from both your and your friend’s devices.

7) Offers and updates of Loyalty Club: Save on your shopping by subscribing @loyaltynews. Just search @loyaltynews and start getting all updating offers from worldwide merchants of India, US, Canada, UK and Australia.

Download Now

What’s the difference between groups, supergroups, and channels at PAL APP.

Pal APP groups are ideal for sharing stuff with friends and family or collaboration in small teams, they can have up to 200 members and by default everyone can add new people and edit the name and group photo.

If your group grows to a very large community, you can upgrade it into a more centralized supergroup. Supergroups can have up to 100,000 members and have a unified history, so deleted messages will always disappear for everyone. You can also pin important messages to the top of the screen so that all members can see them, including those who have just joined.

Channels are a tool for broadcasting public messages to large audiences. In fact, a channel can have an unlimited number of subscribers. When you post in a channel, the message is signed with the channel’s name and photo and not your own.

Download Pal App Now

What makes Pal groups cool?

Pal groups can have up to 100,000 members each and are extremely powerful communication tools. Here are a few key features that make them stand out in the messaging world:

Unified history
Edit your messages after posting, delete them so that they disappear for everyone.

Cross-platform availability
Access your messages anytime, from any number of your mobile or desktop devices.

Instant search
Find the message you’re looking for, even among millions. Filter by sender to make searching easier.

Replies, mentions, hashtags
Easily trace a conversation and keep communication efficient, no matter the group size.

Smart notifications
Mute the group to get notifications only when people mention you or reply to your messages.

Pinned messages
You can pin any message to be displayed at the top of the chat screen. All members will get a notification — even if they muted ordinary messages from your group.

Moderation tools
Appoint administrators that can mass-delete messages, control membership, and pin important messages. Define their admin privileges with granular precision.

File sharing
Send and receive files of any type, up to 1,5 GB in size each, access them instantly on your other devices.

Public groups
Get a short link for your group and make it public, like This way, anybody can view the group’s entire chat history and join to post messages.

Download Now



Once Downloaded search Loyaltynews  or connect with +917278795000

To shop and Save. Get best offer on your mobile.

Start getting cashback, discount coupon to save money on your shopping from our worldwide merchant of India, US, Canada, UK and Australia.

Ask for Christmas Offer on dated 25 December 2018. 

Invite your friends to Download PAL APP. Save disk space of your friend’s mobile and PAL groups can have up to 100,000 members.

Win Cash Prizes


To Download Click Now


PAL is a solution for today’s mobile. There is no need to worry about disk space on your device. With PAL’s cloud support and cache management options, PAL can take up nearly zero space on your phone.

PAL groups can have up to 100,000 members, we support replies, mentions and hashtags that help maintain order and keep communication in large communities efficient. 

What is PAL?

PAL meaning is a Friend. PAL is a messaging app with a focus on speed and security, it’s super-fast, simple and free. You can use PAL on all your devices at the same time — your messages sync seamlessly across any number of your phones, tablets or computers.

With PAL, you can send messages, photos, videos and files of any type (doc, zip, mp3, etc), as well as create groups for up to 100,000 people or channels for broadcasting to unlimited audiences. You can write to your phone contacts and find people by their usernames

How is PAL different from WhatsApp?

Unlike WhatsApp, PAL is a cloud-based messenger with seamless sync. As a result, you can access your messages from several devices at once, including tablets and computers, and share an unlimited number of photos, videos and files (doc, zip, mp3, etc.) of up to 1,5 GB each. And if you don’t want to store all that data on your device, you can always keep it in the cloud.

Loyalty Club and PAL APP

Within no time you post reaches to mobile World. It means more leads and sales. Your post reach to every person, connected to PAL APP.  Already integrated to Loyalty Club. Although your all post are reaches to Twitter, FACEBOOK Paazy Page, LinkedIn, Tumblr and Google+. So as soon as you publish your News it reaches to all above social sites. 

Download PAL APP

How it Works?

Loyalty Club – Inspire!

Join Loyalty Club to take advantage of Shop, Save and Earn in your country. Loyalty Club is marketing channel partner of many merchants in US, Canada, UK, Australia, Brazil,India and Rest of the World. Join us to Shop and save money from these merchants.We have listed top merchants from different countries. Just select the country or group to shop every time. And Bookmark or find the merchant pages you like, get latest offer and discount coupon to save money every time.

Every Purchase, Helps you in Need! Shop Where it Matters!

As you know maximum companies provide Reward Points on your shopping. Here Loyalty Club all Rewards Points are known as Loyalty Coins. It is not a Cryptocurrency. In Loyalty Club you can generate Cashback, referral and profit share income. Loyalty Club Provides Cashback on Loyalty Shop, Referral income as Affiliate Program of Loyalty Shop and we share our Profit which is generated through shopping at Loyalty Shop and Loyalty Club Merchants. And we share Profit Share income of worldwide shopping of Loyalty Merchants.


You can search your favorite merchants in search box with there name or website. And result shows within second. Click the link and reach to merchant page and save through latest offer and discount coupons.

Shop by Category

You can also join the Country Group to shop and get all latest updates of Merchants. If you don’t see your country name, you can join the Group Shopping World. In this group we have selected the merchants who provide shipping to every country. Start shopping with Shopping World merchants and save the money with us.

Shopping World India Shopping News
US Shopping News Canada Shopping News
UK Shopping News Singapore
Australia Travel News
Financial World School Club


At our Activity section of Group you can get all updates of our Merchants Articles for their Product and services. Loyalty Club has page name Activity. In this page you can see all updates of Loyalty Club Blogs and Groups. Moreover you can search the merchant name in Activity Search and find latest offer and deals. Join the Group and get latest updates of our merchants who serve your country. Read articles and start saving money with latest offer and deals from Merchants and Loyalty Club.

Reach to Loyalty Club Activity Page


This innovative method for reducing poverty and unemployment.…. Introducing Loyalty Club as a Profit Share Club. We share our profit of worldwide sale with our Associate members. Either you shop at loyalty Shop or at Merchant website all our Associate members are eligible to get Referral Income and share of profit of worldwide sale. Unlimited Products, NO Joining Fee, No selling required, Work without boundaries and life time income opportunity make us difference from others. Start your career journey Affiliate to CEO.

Click here to get more information about Opportunity…. 

Feeling Hungry in India… Order Now…

Click here to Shop at Swiggy

Find your client or customer with us?

Step 1

Register as Associate and start promoting your business, Create Free Business Profile to promote your business offer and deals. if you don’t have any business to promote, Promote Loyalty Club and enjoy the passive income. To get more information reach our Opportunity page.

Step 2

About : Update your Profile to understand yourself or business…..You can also create a FREE website or blog to promote your product and services. To update you can reach My Account section in Menu.

Step 3

Start Advertising and Save Money

Acitivity : The main part of website, Start updating your offer and deals in your activity section. And we shall show your announcement in our Activity Section where you can find our worldwide merchants and their offer. Post your activity and reach to the world. Start promoting your business offer and deals with your business web pages. Join our Associate Program to get share of profit worldwide sale.

Start advertising, Click here to Join our Associate Program here..

Get Latest Updates….

Join 4,054 other subscribers

Promote your Website or blog

If you have a website or blog and want to promote than you need to update with our Associate program. If Loyalty Club is your approved marketing channel partner, and you are not getting enough traffic than please start a conversation through email or messenger.

Save money on your Shopping

Type the merchant name in Search Activity and find latest offer, deals and blog. Shop every time with Loyalty Club to save and earn money. So in one search you can find everything.

Shopping on Right Time.

Many time merchant gives special offer to promote his sale. It may be on special time or occasion or day to boost his sale. On that particular period you can save more with Cash back and huge discount on your shopping. So you need to read carefully to check the right time to shop. All latest updates of merchants and Loyalty Club offer are at our Activity section. All updates of Merchants are directly link to their website or blog to read latest Articles.

Join the Right Group

Loyalty Club have many Groups like India Shopping news, US Shopping News, UK Shopping News, Shopping World, Financial World and many more. We recommend to join your country group to get latest update of merchant to save on your shopping. If your Country Group is not listed, Don’t worry… There is group name Shopping World. You can join, we have carefully listed those merchants who provide shipping Internationally. You can select Loyalty Club updates from our Groups and different Blogs… Updating your knowledge, which help our user to get latest information for different topics, Offers, Discount Coupons through Articles and Messages. With addition to this you can find Forex, Club updates and shopping news.

Note: If your business is listed or your want to show your offer and deals, you can drop a message on messenger. For any inquiry you can write us on messenger.

Shopping : Once Registered, Join the group to know merchants who serve your country, read articles from them and get the latest offers.

Easy to Shop


Rest of World (Shopping World): Click here to find list of merchants who provide shipping to almost every country. Moreover you can get latest offer here.

Follow Us in your Mobile and Desktop

Pal MessengerSavi Browser
Telegram MessengerWordPress

Once downloaded the WordPress you can reach to Reader Section. At followed site you can write same way if you want to read news about your country merchant offer or Group activity put the URL

How to shop at Loyalty Club?

Merchant shop Loyalty Shop

Find merchants to shop and save
in your country. You can
select the category or
country to shop at loyalty Club.
We have listed top merchants
from different countries. Just
select the country
or category to shop every time.
And Bookmark the merchant pages
you like, get latest offer and
discount coupon to save
money every time.

Looking for ability in any field or
information. We shall help you to
find relevant information and
educational products through
eBooks and certified online course.
Loyalty Shop is a complete
Marketplace to find relevant
informational products to boost
your Knowledge and start

Shop at Loyalty Shop

Steps of Success

Register with us to Shop, Save and Earn Money. Once you have Registered with us, just login and update your profile. Start shopping your daily needs products. Save with our offer and deals every time.

Make Friends or Followers for your business. Update your activity like offer and deals.

Login to Loyalty Shop with same credentials and Join the Affiliate Program to make life time customer with us. Promote your links to generate Loyalty Coins as your referral Income. You can generate 5% on every transaction as Affiliate.

1 Loyalty Coin = $1

Upgrade your profile with Associate program. And start getting Share of Profit of worldwide sale. As your Rank increase, your profit share increases.

Achieve Ranks, to grow your Income.

All members listed below do get Share of profit of worldwide sale after three-month as under. Affiliate members are not eligible for share of profit worldwide sale.

Note : To get more information about ranks and eligibility, you need to reach here. 

Example : You and members shop at Loyalty Shop or Merchant Shop on January. You shall get paid share of profit worldwide sale (included Loyalty Merchants shopping) on May.

Click here to Become our Prestigious Associate Member.


As you know, on every shopping you generate the points as your Cash back points. Same points calculated as Loyalty Coins here. For everybody who has our loyalty coins are eligible to get Bonus. And Bonus is declared Quarterly on your Loyalty Coins. And you get paid on your cash back Loyalty coins.


You can win the rewards prizes every month. There will be contest to hits the target. Grow your income with reward coins.

Change Your Avatar

what-is-gravatarWe are using Gravatar image to identify post and comment. Your Gravatar is an image that follows you from site to site appearing beside your name when you do things like comment or post on a blog. Avatars help identify your posts on blogs and web forums, so why not on any site?

To change the image reach Gravatar website here.

Smartest Way to Hire, Tell Us About Your Company to Get Started

Recently updated to enlist jobs. Are you a recruiter or employer looking to hire employees? Search for employees, resumes, and post jobs on one of the top job recruiting sites today! Find & Engage with The Best Candidates On Loyalty Club. Start Hiring Now! Advertise jobs With Ease. Largest Talent Network. Employers, recruiters and staffing agencies, SEND JOBS FREE to job boards with 1 click. Free job postings on Loyalty Club. Posting on Loyalty Club is the fastest way for you to get your job in front of millions of job seekers.

Submit your Job

Digital Store

Looking for ability in any field or information. We shall help you to find relevant information and educational products through Loyalty Club Digital Store through eBooks and certified online course from reputed institutions.

Become FREE member of Loyalty Club- Club Inspire

Social profile for Individual, Society, Trust, Firms and Companies. An opportunity to get aid for your noble cause and business. Loyalty Club is a professional promotion system designed to increase your sales, get more leads and sign-ups, and provide you with additional income streams. Our compensation plan is a foolproof, unique, never seen before system paying out as Loyalty Income to registered members. Start saving on shopping, travel and get more information on opportunity, Education legal information. With discounts, special offers, postage benefits and more available*, the more you spend, the more you’ll save! More than 10000 websites to serve you with millions of products and services.

Loyalty Club is marketing channel partner of many merchants in US, Canada, UK, Australia, Brazil and India. So Join us to Shop and save money from these merchants. After registration just login and click on activity in Menu Section. And search with merchant name. Get latest offer and discount coupon to save money.

Loyalty Club a worldwide organization of business and…

Loyalty Club a worldwide organization of business and professional leaders that provides humanitarian service, encourages high ethical standards in all vocations, and helps build goodwill and peace in the world. The club consistently develops projects to improve health, well-being and self-sufficiency in our surrounding communities and beyond. Fun & flexible software for online communities, teams, and groups. Members can register on our site to create profile, have private conversations, make social connections, create and interact in groups, and much more. Truly a social network, Loyalty Club helps you build a home for your company, school, sports team, or other niche community. Start updating your activity. Use our powerful social media tools to introduce and update your daily activities. Just like what you do on FACEBOOK FREE. But here you get paid.

Get a free membership of Loyalty Club today at

InstaRem Coupon

Transfer Money Overseas – International Money Transfer – InstaReM. Send money overseas made Easy & Simple with Zero-Margin FX rate and No hidden fees. International money transfer to 60+ countries. Fast and secure overseas payments. Instantly Send & Receive money Internationally with InstaRem’s money transfer services.

Get Bonus Equivalent to USD $10 on your first transaction*Use Code: BONUS10Validity: From 20-11-2018 until 31-01-2019
Bonus Available Only on First Transaction.  

Reach Official website : 


The most important page of Loyalty Club. It helps you to find all updates of website. Timeline is a section of a Loyalty Club user’s account that replaces the Profile and Wall pages, and merges them together. It shows the story of your site life, as you choose to tell it or as Loyalty Club has recorded it, in a visual, scrolling, reverse-chronologically ordered. Moreover you can search individually or everything like company or website name, new members, profile updates, updates, friendship, new groups, group membership, group updates, post, comment and external blogs.

Search can be narrow by All members, My friends, My groups, My favorite and Mentions. Before you reach please update your profile. So that whenever anybody find something interested and want to approach you, It would be easy for him. Although he or she can send you message. But better to keep your all latest updates.  

Loyalty Club updates are most important. Because we shall be updating all merchants and their offer, deals and discount coupon. So that our members can save money from there shopping. Moreover you can become Contributor and start enjoying the share, profit of worldwide sale. Just register and add Loyalty Club as your friend. It is simple once you registered, sent friend request as you do in Facebook or any other social site. 

To generate life time income opportunity, you can enroll to our Cashback Account. An account which inspire, part time or full time work and start earning life time income. Whenever our members wants to upgrade or buy any service or advertise you shall be generating income. To get more information about our services you can reach Loyalty Shop.

Task Management

To do List is a modern task personal task management solution for Members. At the moment, To do List allow you to create your personal task list with timestamp. You can mark them complete when you are done with them. It will also send reminder when you have any overdue task.

It is built to be reliable, secure and flexible. We have worked hard to make it easy to use and we will love your feedback in making it better.

How to add a task in your to do list?

Just go to your member profile and you can see the To do tab. Click on it and then you will see a child tab to add a task.