Credit News

Canadian RV Financing – RV Sale Prices #personal #loan #bad #credit

#rv loan calculator

RV Canada Sales

We are a U.S. based RV dealership. We offer Canadian financing thru Canadian RV dealers based out of Canada. Work with a dealer who specializes in saving Canadian customers thousands. The brokerage, transport and financing is as easy as 1, 2, 3.



Interested borrowers discuss their finance needs with an RV Specialist. This can be accomplished by telephone or over the Internet. The RV sales specialist assesses each borrower s needs on an individual basis, based on the RV they select. The sales associate delivers a loan application for the borrower to complete. A deposit is taken on the RV they select to purchase. (Deposits are refundable if financing is denied.)


Loan applicants submit a completed loan application. The loan applicant can be completed online. The Canadian dealer reviews the borrower’s credit profile and debt ratio and considers the value of the travel trailer or fifth wheel being financed. This process is generally completed within two business day.


Upon approval, The Canadian dealer will contact you to discuss your interest rates and loan terms to structure your loan to me your needs.


A Canadian finance dealer prepares the loan closing documents. The loan documents are delivered to you, either by parcel delivery or a closing is set to sign in person. Once the signed RV loan documents are delivered back to the Canadian finance company, the loan is funded and the loan proceeds are disbursed to the appropriate parties.


Immediately after the loan settlement, delivery or pickup is scheduled. The final title and registration are processed by the broker.


The RV can ship right to your home, border or depending on your location to one of the Canadian dealers we work with.

The process to buying your new RV is simple and the savings will shock you.

Can I get a payday loan with only a debit card #unsecured #loans #bad #credit

#debit card loans

Can I get a payday loan with only a debit card?


Answered Last

The answer depends on the issuer of the debit card.

Most payday lenders will NOT allow the use of a debit card as the primary source of funds – they usually want a checking/savings account, specifically the one into which your paycheck is deposited.

When you apply for a payday loan, most often times the money is deposited directly into your checking account. therefore, you may use your debit card to access the funds from your checking account like normal.

Some payday lenders will allow you to use a debt card ONLY if the debit card was issued by them (I am only aware of SpeedyCa$h and AccountNow providing the service).

Yes, you can but it depends on the terms and conditions of the lendor company as usually a payday loan is paid through salary checks only.

For more information and to apply for debit card payday loans please refer to the related link.

Can I Really Consolidate All My Student Loans Into a Federal Program? #10000 #loan

#how to consolidate student loans

Can I Really Consolidate All My Student Loans Into a Federal Program?

Nov 30, 2013 | Updated Jan 30, 2014

Steve Rhode Get Out of Debt Guy

Huffington Post Reader Question

Dear Steve,

I am at the very end of the grace period since I graduated, and will owe a total of $47,000 in student loans (all are government ED loans both Direct and Stafford unsubsidized and subsidized).

The Direct loans are being serviced by Great Lakes, and until I call them I don’t know what the payment(s). The Stafford loans are being serviced by American Education Services who have split these loans into 3 payments totaling $298 per month on the standard payment plan. Also, the first loan began in mid October of 1998 – June 2003 then I deferred them till a took a $1,500 loan out last year.

My current situation is bad since I am currently being supported 100% since I could not find employment for the last two years. The good news is I just got hired by a company in my field, but won’t start work till the first week in December, and my first check isn’t till the 15th of December (when the first loan payment will be sent to me). I will be moving from California to Nevada for this job too.

I would like your advice since I went back to college am 40yrs old now that I finished college. Currently, I was going to try to make the standard payment, but it would be to much for me with my new bills for the new place I will be renting, and paying for everything to support myself in NV.

I am thinking of consolidating all my loans, but should I use the Federal Student Aid to consolidate both the Direct and Stafford loans ( do they consolidate both direct and stafford loans), or is there a different website for the government consolidation for both direct and stafford student loans?

Also, If I consolidate my student loans, if I need to do so can get a forbearance If I can’t pay for some reason till the following month? If I choose the standard payment plan can I change this plan later and how many times can I change my payment plan? Can I get the extended payment plan when I consolidate? I ask this because I have not found a clear answer online.

Any other advice you can give me is appreciated.

Thank you,


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Dear Jules,

Thank you for asking me your question.

The following loans can be consolidated in the Federal Direct Consolidation program. And is the right place to go.

Subsidized Loans:

  • Subsidized Federal Stafford Loans
  • Direct Subsidized Loans
  • Subsidized Federal Consolidation Loans
  • Direct Subsidized Consolidation Loans
  • Federal Insured Student Loans (FISL)
  • Guaranteed Student Loans (GSL)

Unsubsidized Loans:

  • Unsubsidized and Nonsubsidized Federal Stafford Loans
  • Direct Unsubsidized Loans, including Direct Unsubsidized Loans (TEACH) (converted from TEACH Grants)
  • Unsubsidized Federal Consolidation Loans
  • Direct Unsubsidized Consolidation Loans
  • Federal PLUS Loans (for parents or for graduate and professional students)
  • Direct PLUS Loans (for parents or for graduate and professional students)
  • Direct PLUS Consolidation Loans
  • Federal Perkins Loans
  • National Direct Student Loans (NDSL)
  • National Defense Student Loans (NDSL)
  • Federal Supplemental Loans for Students (SLS)
  • Parent Loans for Undergraduate Students (PLUS)
  • Auxiliary Loans to Assist Students (ALAS)
  • Health Professions Student Loans (HPSL)
  • Health Education Assistance Loans (HEAL)
  • Nursing Student Loans (NSL)
  • Loans for Disadvantaged Students (LDS)

Without a doubt the fastest and cleanest way to repay student loans is the ten year full repayment plan. Outside of that there are some other alternatives that in the long run may cost you more but give you a lower payment.

When you complete your online application for the consolidated loan you can choose a payment that is income contingent and based on what you can really afford.

Till your income increases, this is far more beneficial than missing payments. Just keep in mind that while your student loans may be forgiven after 20-25 years in an income contingent program, the balance will continue to increase and the forgiven debt may be taxable.

Outside of that approach the fastest way to eliminate all of your student loans would be through a public service loan forgiveness program. More details on that are here.

As far as the timing of all of this it will really depend on how quickly you get moving with this and what the Federal Direct Consolidation Loan program establishes as your first payment. But based on your past income and circumstances, your income contingent payment may be as low as $0 per month at the moment.


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Can I Refinance A Car Loan On Bad Credit? #student #loans #rates

#easy loans for bad credit

Can I refinance a car loan on bad credit?


I know there are some options out there for homeowners to refinance their home mortgages to help them get back on their feet. Are there similar options to refinance a car loan?

Dear Tony,

I’m sorry to hear that your family is struggling. Unfortunately, there’s no similar program to refinance your car loan. Refinancing typically requires at least a medium credit score. There are also some other requirements relating to your car. Read Bankrate’s “Refinancing a car loan when money is tight” for some tips.

Since it sounds like you are having financial problems, call your lender and explain your situation to see if your car loan can be modified. While it most likely won’t let you refinance if your credit is lousy, the lender may modify the loan by extending the terms to help lower your monthly payments.

This is certainly far less than ideal, but it may be the only way to make your car loan affordable. Making your car loan payments on time is important because you do not want to have your car repossessed as you not only lose your car but will seriously damage your credit.

Canada Student Loans Act #bad #credit #unsecured #loan

#guaranteed student loans


Marginal note: Certificates of eligibility

2.1 В (1)В No certificate of eligibility may be issued under this Act after the day on which section 12 of the Canada Student Financial Assistance Act comes into force.

Marginal note: Alternative payments

(2)В No payment may be made under section 16 of this Act for the loan year in which section 14 of the Canada Student Financial Assistance Act comes into force, or for any following loan year.


Marginal note: Maximum amount of loan

3. В (1)В Subject to this Act and the regulations, a guaranteed student loan may be made by a lender to a qualifying student for a period of studies in an amount not exceeding

(a )В in the case of a full-time student, one hundred dollars per week; or

(b )В in the case of a part-time student, an amount that results in the aggregate of outstanding principal of guaranteed student loans made to that borrower as a part-time student being equal to two thousand five hundred dollars.

Marginal note: Adjustment of maximum

(2)В For any loan year, the Minister may adjust the amount of one hundred dollars per week referred to in paragraph (1)(a ) or the amount of two thousand five hundred dollars referred to in paragraph (1)(b ), or both of those amounts, by multipliers equal to or smaller than the multipliers calculated in accordance with formulas prescribed to reflect annual changes in the average cost to students of pursuing in Canada studies at a post-secondary school level.

Marginal note: Publication of maximum

(3)В The Minister shall cause to be published in the Canada Gazette. before the commencement of each loan year, the amounts referred to in subsection (2) as adjusted pursuant to that subsection for that loan year.

  • R.S. c. S-17, s. 3;
  • R.S. c. 42(1st Supp.), s. 2;
  • 1972, c. 15, Sch. (Fin.) vote 1;
  • 1974-75-76, c. 36, Sch. (Fin.) vote 1d;
  • 1980-81-82-83, c. 49, s. 2, c. 155, s. 2.


Marginal note: Interest-free period for full-time students

4. В (1)В Subject to the regulations, no interest is payable by a borrower on a guaranteed student loan made before August 1, 1993 to a full-time student in respect of

(a )В any period of studies during which the borrower is a full-time student; or

(b )В any subsequent period ending on the last day of the sixth month after the month in which the borrower ceases to be a full-time student.

Marginal note: Idem

(2)В Subject to the regulations, no interest is payable by a borrower on a guaranteed student loan made on or after August 1, 1993 to a full-time student in respect of

(a )В any period of studies during which the borrower is a full-time student; or

(b )В any subsequent period ending on the last day of the month in which the borrower ceases to be a full-time student.

Marginal note: Idem

(3)В Notwithstanding subsection (1) but subject to the regulations, where a borrower has ceased to be a full-time student as described in that subsection and thereafter again becomes a full-time student, no interest is payable by the borrower on a guaranteed student loan made and consolidated before August 1, 1993 in respect of the period commencing on the prescribed day and ending on the last day of the sixth month after the month in which the borrower again ceases to be a full-time student.

Marginal note: Idem

(4)В Notwithstanding subsection (1) but subject to the regulations, where a borrower has ceased to be a full-time student as described in that subsection and thereafter again becomes a full-time student, no interest is payable by the borrower on a guaranteed student loan made before August 1, 1993 and consolidated after that day in respect of the period commencing on the prescribed day and ending on the last day of the month in which the borrower again ceases to be a full-time student.

  • R.S. 1985, c. S-23, s. 4;
  • 1993, c. 12, s. 3.

Car Loan Comparison Calculator #money #loan

#loan comparison calculator

Get this calculator for your site:

Car Loan Comparison Definition

Are you in the process of shopping for a new car and have found that you are having a difficult time deciding between two vehicles? If so, then there is a good chance that it may ultimately come down to finances. After all, if you enjoy driving both vehicles equally and both have similar safety ratings, then it is typically best to go with the car that is more affordable. However, it can sometimes be difficult to know exactly what your monthly payment will be with any given car loan.

Fortunately, our easy car loan comparison calculator makes it simple break down the estimated monthly costs on each car based on a number of determining factors, such as its price, your down payment, the interest rate, and much more. From there, you can figure out which vehicle will be more affordable for you in the long run, which should help you to make your choice.

To use our calculator, all you need to do is input some basic information into the form. This includes:

  1. The make and model of each vehicle
  2. The MSRP, or manufacturer s suggested retail price
  3. The repayment period on the car s loan
  4. The annual interest rate on each vehicle loan
  5. Any applicable trade in value or down payment
  6. The sales tax on each vehicle as a percentage

From there, all you have to do is click the calculate button and you will instantly see a detailed breakdown of the monthly payment on each vehicle. This will help you to make your decision regarding which car is right for you.

While making such a big decision, you should also keep some other factors in mind, such as:

  • The fact that other features of the car can influence its cost of ownership, such as fuel economy and maintenance needs.
  • You will also need to buy insurance for the vehicle and possibly full coverage if the car is financed.
  • Safety is ultimately the most important aspect of any car, so be sure to compare crash test and safety ratings for each as well.

How to Calculate Car Loan Comparison

Let’s be honest – sometimes the best car loan comparison calculator is the one that is easy to use and doesn’t require us to even know what the car loan comparison formula is in the first place! But if you want to know the exact formula for calculating car loan comparison then please check out the “Formula” box above.

Add a Free Car Loan Comparison Calculator Widget to Your Site!

You can get a free online car loan comparison calculator for your website and you don’t even have to download the car loan comparison calculator – you can just copy and paste! The car loan comparison calculator exactly as you see it above is 100% free for you to use. If you want to customize the colors, size, and more to better fit your site, then pricing starts at just $29.99 for a one time purchase. Click the “Customize” button above to learn more!

Car Pawnbrokers – Money Lenders Sydney: Cash Fast Loans #idbi #home #loan

#fast money loans

Borrow $500 to $70,000 in just 30 Minutes

Welcome to Cash Fast Loans, Sydney s No 1. Licensed Car Pawnbroker Moneylender.

Get instant same day short-term cash loan ranging from $500 to $70,000 in just 30 minutes. Borrow against your Car, Boat, Motorcycle, Jet Ski, Truck, Machinery, Tools etc. without any credit checks. Short-Term Instant Cash Loans Made Easy By Cash Fast!

Cash Fast is a Sydney based licensed car pawnbroker and moneylender specialising in granting short term cash loans against car, boat, motorcycle, Jet Ski, truck, machinery etc. You may require urgent cash money in many instances of your life; for example, you may need cash to pay off your bills when you’re out of the job or due to bankruptcy, you may require cash to handle your basic requirements or for any other unforeseen requirement, which may suddenly surface out of the blue and you are in need of cash money. For all such unexpected and pressing moments of your life, you can right away approach Cash Fast to receive same day cash loans. We don’t conduct any credit or background checks nor do we require seeing your pay slips or any other documents. You just have to deposit your asset with us as a guarantee for the loan amount.

How it works! to Borrow Money Now!

Do you own an asset like a car, motorcycle, boat etc. We can help. We will provide you a short-term cash loan without any credit checks against your asset, which you will have to deposit with us as a security.

Against what assets can I borrow money?

  • As a car pawnbroker and moneylender, we will lend money against cars of all makes whether it is a Holden, Ford, Mercedes Benz, Renault, Honda, Toyota or others.
  • You may borrow money against your motorcycle, may be your Yamaha, Honda, Ducati, Harley Davidson, BMW or Suzuki.
  • We lend against boats of all makes including Bayliner, Haines Hunter, Quintrex, Stacer, Savage and others.
  • We also process loans against trucks, tools, caravans, machinery, bobcats, excavators, trailers and more.

How fast do I get my cash money?

You will get your Cash on the Spot. whether you are borrowing $500 or $70,000, our same day cash finance process is that quick.

Who can get a short-term cash loan?

As a licensed car pawnbroker and moneylender we lend to all; whether you are a private individual unemployed or employed or maybe a business requiring a short-term loan. We are here to help! So if you need cash today? Consider our short-term cash loan  solutions.

Do you lend loan for those having a bad credit?

Yes, you need not worry if you have a bad credit history, because our loan process is credit check free.

How do I get a same day Cash Loan?

You need to provide your photo identification and asset registration or ownership documents.

Sydney Car Pawn Shop Opening Hours

Many years of experience;

Car Payment Calculator, Monthly Payment Calculator Car #city #financial #loans

#loan calculator auto


Drive the car of your dreams at and affordable auto loan payment. Use our car loan calculator to determine your estimated monthly auto loan payment. Our car payment calculator makes it simple and easy to find out how much car you can afford. Read more about car buying and your credit

Step 1. Enter the estimated amount of the auto loan quote. Remember that the auto loan value is the sales price, plus fees and minus the car down payment. Read more and auto loan glossary.

Step 2. Enter the estimated auto loan rate. The auto interest rates or auto loan APR (annual percentage rate) vary depending on your credit rating and vary with different auto lenders.

Step 3. Enter the number of months into the auto payment calculator. This calculates the term of the auto monthly payment loan and effects the auto loan calculation and overall auto loan interest rate paid.

Step 4. Click the compute button and the auto loan calculator will show your estimated auto monthly payment. It s that easy!

Our car loan calculator will calculate the car loan payments. The auto loan calculation includes the auto loan amortization and auto loan interest rates. Current auto loan rates and specials like auto dealer financing can effect auto loan amortization calculator. Current auto loan rates, used auto loan rates and new auto financing rates vary depending on the year, make, model and mileage. Calculate auto loan interest rate today!

Car Loan Contract #payday #loans #online

#loan contract

Car Loan Contract

If you are looking to buy a car or lend money to someone so that they can buy a car, we have a car loan contract which you will find useful. Buying a car on leasing or finance arrangement is often an attractive option because there can be tax benefits for this which can really help you to afford a vehicle purchase that can assist you with greater mobility, give you greater freedom and expand your life.

There some fundamental elements to a loan agreement which can be used to ensure that the relationship between a creditor and debtor in a car loan contract is sound legally and enforceable. This is particularly useful to know where you are the person lending money for repayments on a car. A loan agreement is most usually in writing as it is much more difficult to make the agreement stand up before a judicial officer if the agreement is not put down in ink. Usually the classification of car loan contracts is either by the kind of entity loaning the money or according to the nature of the finance product that is being offered.

Essential Elements of a Car Loan Contract:

You need to understand that there are some things that a loan contract will need to have to be valid. It should say who the people entering into the agreement are. It should state what the principle figure of the loan is and what the rate of interest is. Some loans are interest only loans, others involve a repayment of the principle amount. The loan contract would also usually need to say the amount of time that the loan is for and the purpose for which the money is being lent which, in the case of a car loan is obviously for the purchase of a car. Sometimes it is a practice by lenders to include a clause which has a negative consequence for the early repayment of the debt. You usually need to get have the contract witnessed by a notary public as well and then make sure that a copy is given to the person that is receiving the funds. It needs to be signed by everyone that is a party to the contract.

Obviously, it is usually wise to use a sample document like the one that we have available for download here if you are planning to draft a document like this without the assistance of an attorney, but we would always recommend that you get an attorney to help you with this.

Car Loans – Citibank Singapore #department #of #education #loan #consolidation

#car loan calc

Our Car Loan Calculators

To help you get a better understanding of how much you can borrow in order to make a sound car financing decision, we have designed these easy-to-use car loan calculators for you.

What is my monthly repayment

Calculate your monthly payment after factoring in the car loan amount, interest rate and loan tenure.

Car Loan Glossary

Scheme enables all new cars, taxis, and imported used cars registered from 1 January 2013 with low carbon emissions of less than or equal to 160g/km, to qualify for rebates between S$5,000 and S$20,000, which will be offset against the Additional Registration Fee (ARF) payable.

On the other hand, car owners will be penalised with a surcharge of S$5,000 to S$20,000 if their vehicle emits carbon more than or equal to 211g/km.

Anyone who wishes to register a new vehicle in Singapore must first obtain a Certificate of Entitlement (COE), in the appropriate vehicle category. A COE represents a right to vehicle ownership and use of the limited road space for 10 years.

At the end of the 10-year COE period, vehicle owners may choose to deregister their vehicle or to revalidate their COEs for another 5 or 10-year period by paying the Prevailing Quota Premium.

Note: A 5-year COE (except for Category C vehicles with a 5-year COE that is expiring on or after 25 Feb 2013) cannot be further renewed. This means that at the end of the 5-year COE, the vehicle will be deregistered.

Owners of Category C vehicles with 5-year COE that is expiring on or after 25 Feb 2013 can further renew their COE. However, all renewals can only be for a 5-year period, subject to the vehicle’s statutory lifespan.

COEs are released through competitive bidding. There are 2 bidding exercises every month.

Certificate of Entitlement (COE) – Consists of five categories:

  • A (Cars 1600CC below 97KW),
  • B (Cars above 1600CC or 97KW),
  • C (Goods Vehicle Bus),
  • D (Motorcycles), and
  • E (Open).

For a motor vehicle with an OMV that does not exceed S$20,000, the maximum loan-to-value (LTV) is 60 percent of the purchase price, including relevant taxes and the price of the Certificate of Entitlement (COE).

For vehicles with an OMV of more than S$20,000, the maximum LTV will be capped at 50 percent.

Assessed by the Singapore Customs, OMV takes into account the purchase price, freight, insurance and all other charges incidental to the sale and delivery of the car from the country of manufacture to Singapore. The OMV is not the selling price from the manufacturer to local authorised dealers.

The PARF rebate is computed based on the age of the car at deregistration. The age of the car is computed from the date of its registration in Singapore or its original registration in a foreign country, whichever is earlier. Imported used car registered in Singapore before 1 September 2007 is not eligible for PARF rebate. The S$10,000 used car surcharge will not be taken into consideration in the computation of PARF rebate.