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Title Loans Online: Fast Cash loans against the title of your car. #instant #payday #loans


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you could have your money in 48 hrs!

3 easy steps for getting cash for your car title

Getting Approved for a Loan is Faster and Easier than ever before with the help of the above application.  It just takes Five Minutes to fill out, and a Local Agent will call you to help you with the rest of the process.  In fact, you don’t even have to leave your home!

Unlike Pawn Shops, we will give you the Best Deal for your vehicle loan, and you will even get to keep your car.  We also work with most major banks including Wells Fargo, Chase, Bank of America, and many more.  A local representative is always happy to answer any questions that you might have at 305-555-5555 .

Satisfied customers speak about title loans

We work with most major banks – apply now!

Apply now and get your cash delivered within a few hours! To start your application click here!

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Title Loans – Quick Online Car Title Loan Approvals #car #loans


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The Way A Title Loan Works

Receiving car title loans is a very quick and efficient method to borrowing money without a long and stressful application process. If you own an automobile and have a title in hand you can receive a loan very easily. Your loan is based on the value of your vehicle with minimal qualifying required. You need to be employed which reflects your ability to repay the loan and you must be at least 18 years of age (Age requirements may vary in your state). The simpliest way to get your loan started is to complete our online application which is processed instantly, in many cases you can have the loan approved and in your hand the same day. Title loans are designed to provide you with fast cash even if you have experienced credit problems.

When you are held back on financing due to credit issues such as having bad credit it can be really difficult to obtain loans and other forms of financing in difficult times. Auto title loans are a great way for you to receive cash when you need it and getting approved is very quick and simple. If you are at least 18 years old, have steady employment, proof of residence and are not in an active bankruptcy you may qualify for a car title loan through our online application which is processed within seconds. Click on the ‘Apply Online’ button to get the cash you need today.


What is the FAFSA? Learn about the Free Application for Federal Student Aid #payday #loans #chicago


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What is the FAFSA?

By Allen Grove. College Admissions Expert

Allen Grove is the former director of a program for new college students, a professor of English, and a freelance writer who focuses on college admissions, student success, and the transition from high school to college. Read more

Question: What is the FAFSA?

If you want financial aid, you ll need to fill out the FAFSA. This FAQ will help explain what the FAFSA is all about.

Continue Reading Below

All federal grant and loan awards are determined by the FAFSA, and nearly all colleges use the FAFSA as the basis for their own financial aid awards.

The FAFSA is managed by the Office of Federal Student Aid, part of the Department of Higher Education. The Office of Federal Student Aid processes roughly 14 million financial aid applications a year and disburses about $80 billion in financial aid.

The FAFSA application should take about one hour to fill out, but this is only if you have all the necessary documents at hand before you begin.

Some applicants get frustrated with the application process because they do not have ready access to all necessary tax forms and bank statements, so be sure to plan ahead before you sit down to complete your FAFSA.

The FAFSA requires information in five categories:

  • Information about the student
  • Information about the student’s dependency status
  • Information about the student’s parents
  • Information about the student’s finances
  • A list of the schools that should receive the results of the FAFSA

Students can fill out the FAFSA online at the FAFSA website. or they can apply through the mail with a paper form.

Continue Reading Below

Again, any financial aid award begins with the FAFSA, so be sure to complete the form before the deadlines for the schools to which you’ve applied. Realize that most state deadlines are much earlier than the June 30th federal deadline. Read more about the timing of your FAFSA application here: When Should You Submit the FAFSA?


Title Loans in Arizona #boat #loans


#car title loans
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Title Loans In Arizona

What is a title loan?

Title loans are fast and easy short term cash loans secured by your motor vehicle.

Can I still drive my car with a title loan from Cash Time?

Absolutely. Cash Time allows you to keep and drive your vehicle while you pay off your title loan.

What if I have an old car with high mileage?

Don t worry, there are no year or mileage limits with our Arizona title loans.

How much money can I get with a Cash Time title loan?

Cash Time can offer title loans for as little as $100 or as high as $100,000 depending on your application and your vehicle s value.

Why Choose Cash Time?

Industry Leadership Cash Time Loan Centers has been providing title loans in Arizona for over 16 years.

Professional Customer Service Cash Time is an accredited business with the Arizona Better Business Bureau and boasts an A-Rating.

On the Spot Approval Loan approval takes less than 30 minutes, and we will give you a check that you can cash with us before you leave.

Flexible Repayment Plans Get Arizona s best title loan rates and flexible payment plans. You may choose from multiple cash loan models to ensure your payment works for your needs.

Convenient Hours and Locations Cash Time has 23 locations in and around the Phoenix and Tucson metro areas. All of our locations are open 7 days a week for your convenience. Feel free to walk in anytime or schedule a visit for the fastest title loans in Arizona.

No Repayment Penalty With an auto title loan from Cash Time Loan Centers, you are never charged a fee for paying off your loan early.

Two Cash Loan Programs Cash Time Loan Centers offer personal loans (some call them registration loans) and auto title loans in Arizona to fit all of your cash loan needs.

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Proudly Offering Arizona Cash Loans In The Following Areas

Phoenix. Scottsdale. Tucson. Mesa. Tempe. Glendale, Chandler, Flagstaff, Peoria, Gilbert. Sedona, Prescott, Yuma, Surprise. Goodyear, Avondale, Queen Creek, San Tan Valley, Florence, Kingman, Casa Grande, Lake Havasu City, Sierra Vista, Tombstone, Payson, Bullhead City, Nogales, Bisbee, Jerome, Williams, Douglas, Page, Fort Huachuca, Winslow, Buckeye, Maricopa, Oro Valley, Prescott Valley, Apache Junction, Marana, El Mirage, Kingman, Queen Creek, San Luis, Sahuarita, Fountain Hills, Eloy, Somerton, Paradise Valley, Coolidge, Cottonwood, Camp Verde, Chino Valley, Show Low, Safford, Tolleson, Wickenburg, Youngtown, South Tucson, Guadalupe, Litchfield Park, Benson, Holbrook, Cave Creek, Eagar, Thatcher, Colorado City, Pinetop-Lakeside, Taylor, Clarkdale, Dewey-Humbolt, Willcox, Quartzsite, St. Johns, Carefree, Clifton, Parker, Wellton, Superior, Pima, Star Valley, Springerville, Kearny, Gila Bend, Miami, Mammoth, Fredonia, Patagonia, Duncan, Hayden, Winkelman, Tusayan, and Globe.


Three ways to get an interest-free loan – Mirror Online #loans #nz


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Three ways to get an interest-free loan

Here are three routes to interest-free money that won’t be found in the ‘loans’ section of your bank!

Here are three routes to interest-free money that won’t be found in the ‘loans’ section of your bank!

The words ‘interest-free credit’ usually put me on my guard immediately. Many of these deals come with enormous, scary hidden catches; and anyway, in a perfect world, we’d all live within our means and never spend money we didn’t have.

Unfortunately, that’s not always how it works. Genuinely interest-free loan deals do exist – and when you really need to access extra cash, they can be an economical and useful financial tool.

They can also help you get your finances back under control, by chopping the amount of interest you’re already paying on debts.

Here, I’m going to highlight three good ways of getting interest-free cash. I’m also going to outline the pitfalls you need to watch out for – so your ‘free’ money doesn’t drag you deeper into the financial mire.

By the way, if you’ve been hunting through the Mirror Money personal loans section. you won’t have found these options. In fact, providers don’t label them as ‘loans’ at all!

1.) An interest-free overdraft

Many current accounts now have a substantial 0% interest overdraft facility included in the package.

How much can I borrow? It depends on the account you go for, but at the moment (excluding student accounts) the largest interest-free overdraft on offer comes from Santander with its Preferred Current Account, which promises to match your previous overdraft up to a maximum of 5,000.

Sadly, the overdraft is only free for the first 12 months. But on the plus side, you will pocket 100 by opening the account as a welcoming present!

Remember that the size of the interest-free overdraft you’re offered will largely depend on yourcredit rating. So for example, this account is advertised as coming with a 0% overdraft of ‘up to 5,000’. This doesn’t necessary mean you will be offered 2,000 interest-free.

How long is the cash interest-free? Again, it depends on the account, but borrowing via a 0% overdraft is definitely not a long-term borrowing solution. Unless you are a student, the majority of current accounts will only let you have an interest-free overdraft for the first year.

After this, you’ll be charged substantial interest on your remaining negative balance (or in some cases a fixed daily fee) so you need to make sure you’ve paid off your debt within the 0% period.

What to watch out for: It’s very important you don’t exceed your 0% overdraft limit. Doing so will push you into an ‘unauthorised’ overdraft – on which you’ll be charged horrendous rates of interest (typically 20-30% APR).

2.) A 0% on purchases credit card

The other main way of getting a totally ‘free’ loan is to take out a credit card that offers 0% interest on all new purchases.

How much can I borrow? A credit card will normally indicate what its maximum credit limit is before you apply. However, the credit limit you’re offered might be much lower, and (like an overdraft) will depend on your personal financial circumstances.

How long is the cash interest-free? This depends on the credit card. At the moment, the market-leader is the Tesco Personal Finance Clubcard Mastercard. which offers 0% interest on new purchases for a whopping 15 months.

So again, as you can only borrow interest-free for 15 months, it’s not a long-term borrowing solution.

What to watch out for: When your 0% deal ends, you’ll be charged a very high level of interest on your remaining balance (typically 15-20+% APR) – so it’s crucial you clear your balance before this happens.

If you do still have a balance remaining when your 0% deal ends, you could try to take out 0% balance transfer card (see below) and shift their debts across to it.

However, this is a very risky strategy. We all know how much lenders have tightened up on giving credit, and there’s no guarantee you’ll be one of the lucky ones!

You also need to make absolutely sure you make the minimum repayments every month (more if you can afford it). If you’re late or default on a payment, you may well be fined, and your 0% deal is likely to be whipped away from you.

3) A 0% on balance transfers credit card

If you’re already paying interest on a debt, you could turn it into an interest-free loan by shifting it onto a card offering 0% on balance transfers.

How much can I borrow? As with a 0% purchase card, a 0% balance transfer credit card will normally indicate what its maximum credit limit is before you apply. However, the credit limit you’re offered will depend largely on your credit rating and salary.

How long is the cash interest-free? Again, this depends on which card you choose. At the moment, the longest balance transfer deal is on offer from Barclaycard. It lasts for 22 months (with a 2.9% transfer fee).

What to watch out for: While you’ll temporarily eliminate interest payments on your debt, this is not totally free money: The vast majority of balance transfer credit cards charge transfer fees (typically 2-3% of the total debt) to move your money onto them.

If you don’t manage to clear your debt during the 0% period, you’ll be saddled with big interest charges. Rates will typically be between 15-20% APR – but there are plenty of horror stories about people being charged 30% APR or even more!

And again, make absolutely sure you make (at the very least) the minimum payments every single month. Otherwise, you could end up with a fine and a hefty rate of interest on that large balance!

A longer-term, low-rate solution

As you can see, all these are relatively short-term borrowing solutions. If you need a low-interest loan lasting much longer than a year, a long-term, low rate credit card might be a better solution for you.

For example, the Barclaycard Simplicity card offers a low rate of 7.9% APR (variable) on both purchases and balance transfers for the lifetime of your debt. And no transfer fees apply.

Use Mirror Money’s loans comparison service or our current accounts service to explore what’s on the market and see if there’s the right loan for you.

This article was written by our partners at Lovemoney.com


Tips On Refinancing a Mobile Home Loan #personal #loans #with #bad #credit


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Refinancing mobile home loan at lower rate

Buying a mobile home, also known as a manufactured home, can be one of the most affordable ways to own.

One decision can make a significant difference in monthly payments: whether to finance the mobile home with a personal property loan or a mortgage.

Personal property loans, known as chattel loans, have much higher interest rates than mortgages. To some owners of manufactured homes, refinancing chattel loans into mortgages could reduce monthly housing expenses.

Refinancing a mobile home

To qualify for refinancing as a mortgage:

  • The home must be on a permanent foundation that meets standards set by the Department of Housing and Urban Development.
  • The manufactured home must be titled as real estate rather than as personal property.
  • The homeowner has to own the land that the manufactured home is on. An important exception to this rule is explained below.

Big difference in interest rates

In 2012, about 68 percent of all manufactured-housing purchase loans were considered higher-priced mortgage loans, and many of them were chattel loans, according to the Consumer Financial Protection Bureau.

More On Refinancing:

“refinance”

Interest rates on chattel loans range from 7 percent to 12.75 percent, says Ken Rishel, founder of Rishel Consulting Group in Chicago. The loans are usually for 15 or 20 years.

In contrast, the average rate for a 30-year fixed-rate loan has been well below 5 percent for all of 2014.

Rishel, whose company makes chattel loans of at least $5,000, says the interest rates are risk-based, and chattel loans are often the only choice for borrowers with poor credit. Chattel loans are the main option for owners whose mobile homes are not permanent foundations.

Converting to a new title

Some states have eased the process of converting a personal property title into a real estate title, making refinancing possible, says Marc J. Lifset, an attorney with McGlinchey Stafford in Albany, New York.

Lifset helped financial institutions lobby for the approval of that legislation in Alaska, Illinois, Iowa, Louisiana, Maryland, Missouri, Nebraska, North Dakota, Tennessee and Virginia.

“The legislation provides a clear definition of when the home is real estate and when it is not,” he says. “It makes the process more certain. In many states, the definition was murky.”

Getting a real estate title

A real estate attorney or title company can help with a title conversion as a first step to refinance. Owners of manufactured homes need to provide:

  • A certificate of title to the home or a copy of the manufactured certificate of origin.
  • The deed to the land where the home with the permanent foundation is located.

Once the owner has the real estate title in hand, the next step is to find lenders that provide mortgages on manufactured homes. The rest of the process is similar to closing a mortgage on any residential property.

Borrowing on leased land

Under some circumstances, owners of manufactured homes leasing a lot at a mobile home community can get mortgages — even if they don’t own the land beneath their feet.

The Federal Housing Administration offers a program known as Title I, designed for owners whose mobile homes are on a permanent foundation but are within a manufactured housing community.

Among the requirements for a Title 1 mortgage:

  • The mobile home must be the borrower’s primary residence.
  • The home has to be on a rental site in a manufactured home park that conforms to FHA guidelines.
  • The lease agreement must meet FHA standards.

It’s not easy to find mobile home communities that meet the FHA’s strict guidelines, says Rishel, whose company makes chattel loans in land-lease communities. “Not many landlords participate on the Title I program.”

Few lenders offer Title I mortgages. One is 21st Mortgage, which is owned by Clayton Homes, one of the nation’s largest manufacturers of mobile homes.

Costs of switching title

When a mobile home is titled as personal property, the owner pays personal property taxes. When it’s titled as real estate, the owner pays real estate taxes. In many states, property taxes tend to be higher.

“The consumer has to do the math on how much they are going to save by lower interest rates, compared to how much more taxes they may be paying and what the closing costs are going to be” in a refinancing, Lifset says.

Another potential downside: If the owner has to build a permanent foundation to refinance a chattel loan, that expense has to be taken into account. Building a new foundation could cost $10,000 to $15,000, Rishel says.

“Refinancing is a valuable thing but for a limited number of people who live in manufactured homes,” he says.


The VA Jumbo Loan #home #financing


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The VA Jumbo Loan

Grant Moon

VA loans have specific rules that a lender must follow when evaluating a VA loan application. Affordability needs to be determined by calculating debt to income ratios, a number arrived at dividing monthly obligations by monthly income. Credit is checked either by reviewing a credit score, documenting payment history, or both. And one other thing, the lender sets a maximum VA loan amount. Is there such a thing as a VA jumbo mortgage?

It needs to be noted at the outset, that the Department of Veteran’s Affairs does not establish a maximum VA loan limit. The VA issues a guarantee to a VA lender that represents 25 percent of the loan amount, or four times the available entitlement. Today, that entitlement amount is $36,000 for a guarantee of 25 percent of $144,000.

In reality however, the VA guarantees 25 percent of all VA loans up to $417,000. Where does that $417,000 come from?

VA and Conventional Loan Amounts

Fannie Mae and Freddie Mac establish their own maximum loan limits. Historically, the limits were determined annually based upon the previous year’s median home price. For example, a maximum loan limit was $107,000 in 1982, $202,300 in 1995 and up to $417,000 in 2006 where it remains today. Other areas, so-called high cost areas have higher limits, up to $729,750.

The VA essentially scrapped the four times the entitlement formula when lenders decided to set the maximum VA loan amount to be the same as conventional loan limits of Fannie and Freddie.

Any loan amount above those limits is considered a jumbo mortgage and has higher rates compared to loans at or below the $417,000 conforming limit. Regardless of the loan limit, conventional mortgages require a down payment while VA loans do not.

As long as the VA loan is no greater than $417,000 or $625,000 in VA’s high cost areas , the veteran is required to have no money down in order to obtain the VA home loan. But what if the limit is $417,000 and the veteran wants to use his VA benefit to buy a $500,000 home?

Calculating the VA Jumbo Loan

The veteran can still use the VA home loan benefit to buy a jumbo property but it takes a little calculation first. Remember that the VA will guarantee up to 25 percent of the $417,000 limit. In this example with a $500,000 home, the veteran is required to bring in 25 percent of the amount over and above $417,000. The difference is $83,000 and 25 percent of $83,000 is $20,750.

This represents a down payment of 4.00 percent from the borrower, way below what a conventional loan would require. Jumbo conventional loans ask for at least 10 percent down and require private mortgage insurance to be added, significantly increasing the monthly payment as well as cash from the veteran.

Do Your Homework

You’ll want to shop around for the right VA Jumbo Lender. some may not offer the program but most do and different VA lenders can price their VA jumbo loans differently. Interest rates may be slightly higher for a VA jumbo loan in some instances but whatever the difference in rate, it’s still much lower compared to a conventional jumbo mortgage requiring a 10 percent down payment.

So do your homework, shop around and interview quality VA mortgage companies. If you’re shopping for homes on the higher end and have your VA home loan benefit, this little known program is literally unrivaled for higher income veterans wanting to put as little down as possible on a home.


Tips for Getting a Loan With Bad Credit #signature #loan


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Getting a Loan With Bad Credit

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

It’s hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. If your credit is less than perfect you re not completely out of luck – it s just that you ll have to work a little harder to get funded. But in your situation it s easy to fall into expensive traps, so let s review the things you can do to improve your chances.

What is Bad Credit?

If you’ve been told that your credit ruined your chances of getting a loan, make sure it’s true. There may be errors on your credit report. Once those errors are fixed, things may look very different to lenders.

The term bad credit means different things to different lenders. One lender might turn you away while others are willing to lend. Don t be afraid to shop around before deciding that your credit is a dealbreaker. That said, there are two things to be careful of in this process:

  • Submit all of your applications within a short period of time (two weeks or so) so that you don t ding up your credit with too many inquiries
  • Apply only to reputable lenders such as banks, credit unions, and P2P lenders described on this site; predatory lenders will almost always give you a loan, but you ll regret it later

If your credit is truly bad, here are a few ways to try getting a loan with bad credit.

Visit Credit Unions

Credit unions may be more willing to offer you a loan with bad credit. Because they tend to be smaller than large banks. there s a better chance that they ll look at you personally – as opposed to just looking at a credit score and the loan application.

Continue Reading Below

If you sit across the desk from a human being, you’re more likely to get a loan with bad credit .

Try Peer to Peer Lending

Peer to peer lending services are another good option for getting a loan with bad credit. Instead of borrowing from banks (with rigid rules and higher overhead costs), you can borrow from individuals. They may be more sympathetic, but they’re not looking to lose their money.

Tap Friends Family

Most peer to peer lending sites allow you to borrow from strangers. However, if your credit is really bad, your friends and family may be your only option. They know you, and may be willing to take a chance. If you borrow from friends and family, do it properly so everybody’s protected: document the loan terms on paper, and consider using a third party to process payments.

If friends and family won’t hand over their own money, they might still be able to help. If they have good credit. they can help you qualify for a loan as co-signers .

Use Collateral

If you’re having trouble getting a loan with bad credit, you may need to put up collateral. By pledging something of value, your lender knows you’re serious and has a better chance of collecting some money. If you have equity in your home, you can probably borrow against it – but there are significant risks.

Pitfalls

Some lenders take advantage of folks looking for loans with bad credit. They charge astronomical fees and make it nearly impossible to dig yourself out of debt. Study up on the following types of loans and avoid anything that looks similar:


RV Loans, Mortgages – Credit Cards #payday #loan #direct #lenders


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RV Loans

Overview

Recreation vehicle loans are important types of auto loans. Purchasing a recreation vehicle can be equated to purchasing a second home. Although the cost of the RV is not as much as a home, it is still a huge sum. RV loans are more than just a simple car loan as there are multiple aspects of an RV loan that makes them different from car loans.

How It Works

If you want to go in for a RV loan, first find out the companies that offer the loan. Talk to a loan representative to find the various loan options that are offered by the company. Look into the loan options and choose the one that you prefer. The amount of down payment can depend upon the lender. You will usually be asked to pay at least 10 percent of the amount as a down payment. The loan amount will depend on the lender, how much you are financing, age of the recreation vehicle, term of your loan, what you plan to do with your RV and where you are going to take it. Be aware of early payoff penalties or fees. The term of most RV loans usually range between five to 25 years.

Benefits

RV loans make it easier to buy the RV that you are looking for. You may want to purchase an RV, but cannot afford to pay the whole amount upfront. RV loans help you to purchase an RV so that instead of renting one, you can actually own your RV.

Cost/Pricing

Recreation vehicles are costlier than simple cars. The premium amount will also be proportionally higher. It is very important to make sure that you understand the conditions made by the company which offers you the loan. You should also check out the various interest rates, term of the loan and the payment details.

Timing

The best time to go for an RV loan would be when you are going to buy a recreation vehicle. You also need to check that you are in a position to afford the loan.

Companies/Industries

There are many financial institutions that offer loans for purchasing recreation vehicles, such as Bank of America and Essex Credit.