Credit News

Guaranteed Student Loans, Guaranteed Student Loan Program #business #loans #australia

#guaranteed loan

Guaranteed Student Loans

If you want to do financially well in your life, you definitely require a college education to achieve high-paying jobs. However, college education may require finances beyond your family’s income so you may have to look for outside help. In this avenue, federal financial aid is on top of the list. The federal government has not only arranged grants and work-study programs for deserving students but has also provided guaranteed student loans in the form of the Stafford Loan Program. Since 2010, however, there are no more government guaranteed student loans as the department of education is paying these loans directly without any third party lender involved.

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This change has no effect on already disbursed loans through the previous guaranteed student loan program. All students who were disbursed loans through the Stafford Loan program before 2010 have to continue making payments to their respective private lending organizations. Same is true for PLUS loans, another example of guaranteed student loans before the act of 2010, which were given to the parents of students.

According to the new act of 2010, there is no need for federal government’s guarantee in student loans as Stafford Loan and PLUS loans are given by the department of education without any private lender involved in the process. However, your point of contact may still be a private organization working on behalf of the department of education to provide loan service.

Guaranteed Payday Loans without Credit Checks #3 #month #loans

#loans without credit check

Curently in the Lead:

Guaranteed Payday Loans without Credit Checks

By: National Payday. Posted in Loans Borrowing on July 16, 2010 .

Do you have bad credit?  Are you looking for some quick cash due to an emergency or other reason?  If you need money quickly you know there are loans out there that offer cash within a 72 hour period, but are they the wisest choice?  We will look at guaranteed payday loans to help you make the right choice.

What is a guaranteed payday loan?  There are payday loans out there that you can apply for, but you may not get.  These loans are dependent on a number of factors including your credit history.  There are also companies offering guaranteed payday loans, which mean almost everyone is approved.  In this situation the company will not run a credit check and as long as the person applying for the loan fits the qualifications they will be guaranteed some form of a payday loan.  The loan may or may not be for the entire amount that you require.

Instead it could be for a smaller amount.  This will be dependent upon your qualifications, but you are at least given a payday loan when it is guaranteed by the company.

What are the qualifications you must meet for the guaranteed payday loans?  This is a good question and you have probably just asked it.  The answer is that qualifications can differ from company to company.  However, there are certain aspects that tend to remain the same.  For example, one must have a job which they have held for six months or longer, be 18 years of age, have a checking account, and they cannot have any other payday loans or unpaid returned checks.

Most companies require the person to have a bank account open for at least three months.  Some individuals will get a payday loan and be unable to pay it back.  They close their existing checking account and then open up a new one to try and get a new payday loan.  Companies are aware of this, which is why they want a bit of a record when it comes to jobs and bank accounts.

The payday loan is based on your monthly income.  This is the reason the loan amounts can vary even with the guaranteed payday loans.  Payday loan companies are often unwilling to lend more than 50 percent of a person’s income.  In other words, just because you need $1000 may not mean you will get it even with a guaranteed payday loans company.  The company still reserves the right to offer an amount they feel you can pay back in a timely manner.

The good news is that the guaranteed payday loans do not require a credit check .  If you have bad credit scores the company is not going to know.  They may suspect your financial situation is less than stellar, but they will not run a check.  This will save you credit score points. Every time your credit is checked points are lost.  So, it can hinder your credit scores to have the check run by other companies.

Any line of credit you have is reported to the credit bureau.  Essentially, this means that while you are not being deducted on points for the qualification process it could hurt your credit scores in the long term.  If you fail to pay back the loan or take a long time to pay the loan it could reflect badly.  On the other hand, if you pay the loan on time and in full the company can report that you were in good standing.

Unfortunately, not all guaranteed payday loans companies will report to the credit bureau.  They do not have to.  The credit bureau knows that you have the loan, but the company does not have to report that it was paid or that the account was in good standing.  When a company offers to do this it is because they want to help you with your credit scores.

You may want to check with the guaranteed payday loans company to see if they are willing to report to the credit bureau regarding your loan if you have bad credit.  Now that we have looked at how the loans can work, how to get them, and a little bit on the credit bureaus, it is time to consider whether the loan is right for you.  There are other solutions out there if you are in a tight spot financially.  The last thing you want to do is enter into a loan you cannot pay back and that will cost you high interest.

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Guaranteed Student Loans #title #loan

#guaranteed loan

Guaranteed Student Loans

Guaranteed student loans sound ideal for most young people preparing to head off into the wide world of higher education. Instead of fretting about rejection, due to prior credit troubles or difficulties with cosigners, they can simply sign up for a guaranteed student loan and get the money they need, no questions asked.

While there are companies that are willing to provide guaranteed college loans, those private loans can come with some pretty big drawbacks. and sometimes, the price a student has to pay is a little too steep. Thankfully, there are other options available for students who need this kind of funding.

Good Choices

Loans that originate with the U.S. Department of Education are often considered the safest. most affordable form of guaranteed student loan available in the marketplace today. These loans come with a variety of protections, including:

  • Flexible payback options
  • Limitations on payment size

According to documents produced by The White House. two-thirds of those graduating from college have debts of more than $23,000. These guaranteed student loans are designed to reduce the debt burden, as payments are small and forgiveness of the balance can come after a borrower pays on time for a specific number of years.

Loans weren t always processed in this way. Prior to 2010, in fact, guaranteed student loans originating from private lenders were common, and they were backed by the federal government. The private bank originated the loan, but the government would step in if the student defaulted. When this program was eliminated in 2010, some elected officials claimed that the work would eliminate all banks in the country, but that hasn t happened.

Other Options

Some banks now offer guaranteed private student loans, but the word guaranteed now refers to the bank s inability to turn a student down. In the past, that word referred to the role of the government, but now, that word refers to the product the bank offers. Often, these products are enticing to students who have poor credit.

Guaranteed bad credit student loans are products that students can apply for in order to get funding for school, and the bank promises not to turn the student down for that help. What the bank can do, however, is charge a higher interest rate and charge fees. The student might get the loan, but guaranteed bad credit private student loans can be expensive, simply because of the risk a bank is taking in providing that loan.

In some cases, students just don t have a choice, and they need to take out these loans in order to stay in school. It s best for students like this to borrow the smallest amount of money possible, and attempt to pay it off as quickly as possible. If quick payment isn t possible, students should consider consolidating these loans with other loans. so they can reduce the interest rate they re paying and save a little money down the line.

Guaranteed Payday Loans By CashOne #wedding #loans

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Guaranteed Payday Loans- Available Fast

Our convenient payday loan

‘Payday loans’ are small, short-term instant pay day loans made by check cashers or similar businesses at comparatively higher interest rates. Typically, a borrower writes a personal check for $100 to $1,000, plus a fee, payable to the lender. The lender agrees to hold the check until the borrower’s next payday, usually one week to one month later, only then will the check be deposited.

Online payday loan service charges vary from state to state and between lenders. Rates change frequently. Be sure to check with your loan representative about your loan rates and what your specific fees will be as well as all other terms and conditions of your loan. If you are unsure of any terms told to you, ask to have them explained again or in more detail before you agree to a loan.

The fast payday loan amounts available depend on the borrower’s earnings and approval. To find out if you are eligible for a payroll cash advance loan, check out our basic requirements and if you are still interested, just fill out our simple online application form and you’ll be on the road to fast cash. There is no such thing as a Guaranteed payday loan, like all loans, payday loans are based on a complex set of factors.

Apply now only for an almost instant payday loan at

Guarantor financial definition of Guarantor #direct #lender #payday #loans

#guarantor loans



A party who will guarantee repayment or performance of a covenant .


A third party who promises to provide payment on a bond. loan. or other liability in the event of default. While many guarantees apply to debt instruments. they may also be used for day-to-day expenses. For example, a parent may be a guarantor for an adult child and promise to pay rent to a rental agency if the adult child does not do it. Banks often serve as guarantors on behalf of certain clients, but, just as often, private parties serve as guarantors and promise payment on private loans. Guarantors reduce the risk to loans and liabilities, and usually improve the credit agency ratings of bonds.


If lenders are concerned about your income, your credit history, or other risk factors when you apply for a loan, they may require a guarantor, or cosigner.

The guarantor signs the loan with you and agrees to pay your debt if you default. For example, lenders may fear that your income may not be high enough to meet your payments if you encounter any unexpected financial setbacks.

Laws governing who may serve as a guarantor vary from state to state. Some states require that your guarantor be a resident of the state where you’re obtaining the loan, while others will accept guarantors from out of state as well.

Graduate Student Loans – What are the Options for Postgraduate Funding? #hard #money #loans

#graduate student loans

Graduate Student Loans

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

Education isn’t cheap. If you’re going to graduate from school but you need a little extra to cover the costs, you have a few options. Some of them are similar to the loans you may have used for an undergraduate degree, and some may be specific to your field of study.

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In general, government sponsored loans have lower rates and are more flexible when it comes to repayment. See Advantages of Federal Student Loans for specifics.

Be aware that as a graduate student you can no longer enjoy the benefits of a subsidized loan. Interest will begin to accrue as soon as you get the money.

There are three types of federal student loans available.

Perkins Loans should be your first choice. Unfortunately, they’re hard to qualify for. Perkins loans are designed for students who demonstrate “financial need.” Your school might not even offer Perkins loans, and if it does you’ll have to compete with other students for limited resources.

These loans are most attractive because of their low interest rate. You’ll pay a fixed interest rate of 5%, which is better than you can do with most other lenders. As a graduate student, the most you can borrow per year using a Perkins loan is $8,000.

Direct Unsubsidized Loans are another good option for graduate students (these may also be referred to as “Stafford Loans”). These loans allow you to borrow up to $20,500 per year for graduate school. You’ll pay a fixed interest rate of 6.8% and a 1% origination fee.

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This is more expensive than a Perkins Loan but most likely less expensive than offers you’ll get from private lenders. Of course, you should always shop around, especially if you have good credit and can get a great deal from a private lender. Direct Unsubsidized Loans are easy to qualify for as long as you’re enrolled as a student — you don’t need to have a good credit score or income.

Direct PLUS Loans (sometimes called “Graduate PLUS Loans”) are available if you still need money after you’ve exhausted your Direct Unsubsidized Loans. However, you have to qualify for PLUS loans. You can only borrow as much as needed for your “cost of attendance” minus any other financial aid you’ve received (such as Direct Unsubsidized Loans and Perkins Loans). You also have to have a credit history that is clear of certain events in the recent past. Bankruptcy, tax liens, repossessions, and other events in your credit files may mean that you have to find a co-signer to qualify for the loan. Graduate PLUS Loans come with an interest rate of 7.9% and an origination fee of 4%.

To apply for any of the loans above, visit your school’s Financial Aid Office. It’s best to start the process as soon as possible if you think you’ll want to borrow money. Gather information and submit your FAFSA early in the year — preferably in January. Submitting your FAFSA early improves your chances of getting grants and other types of financial aid.

Private Loans for Graduate Students

After you’ve borrowed everything you can through the government, you can apply for loans with private lenders.

This is probably a good time for a common-sense reminder: just because you can borrow more, it doesn’t mean that you should. Remember that you’ll have to pay these loans back, and they may haunt you for many years. Student loans are a great way to invest in your future, but there are countless horror stories out there about people who got in over their heads.

  • Alternatives to Private Student Loans

Private student loans are available from a variety of lenders. Banks, credit unions, and online lenders offer private student loan products. Unlike the government, private lenders require that you qualify to borrow. You’ll need good credit and sufficient income to repay the loan, or you’ll need a co-signer who has those characteristics. Most graduate students are fairly young — just getting started in the world — and they have a hard time qualifying on their own.

  • What is Credit?

How much can you borrow from a private lender when you’re a graduate student? It depends on the lender and your field of study. In general, you can borrow more if you’re studying for a profession that tends to have higher earnings. In other words, future doctors and lawyers get to borrow more than future librarians.

Private lenders even offer products that are specific to your field of study, and this is where they may be more attractive than federal student loans. After you graduate, you may need to complete internship hours, pass licensing exams, or earn industry certifications. Some private graduate student loans include provisions that help cover your living expenses while you complete these tasks.

How do you apply for a private loan? There are too many types of private graduate student loans to discuss here — products vary from lender to lender and depend on your field of study. Start by searching for private loans, and narrow your search by focusing on the type of degree you’re pursuing. Be prepared to provide financial information to the lender, including bank statements, pay stubs, and school documents.

Grants – Loans for People With Bad Credit #loan #calculator #free

#loans for people with bad credit

Grants & Loans for People With Bad Credit

There are relatively few loan and grant options for those with bad credit. The cause of bad credit will ultimately determine which loans are available. If you have bad credit because you are socially disadvantaged and have a short credit history, there will be more options than if your credit suffers because of poor financial planning.

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SBA Loans for Socially Disadvantaged Business Owners

If you are a small business owner or looking to start a small business, the Small Business Administration may be a good resource for financing. You should note that there are minimum credit requirements for these loans. However, if your lack of good credit is a result of a socially disadvantaged background, you may qualify for the 8(a) Business Development Program. You will be judged more on your character and chance of success than on your previous financial history for this opportunity.

FHA Down Payment Grants

First time home buyers needing assistance meeting down payment requirements to secure a mortgage may look to the Federal Housing Administration for grants. These grants never need to be paid back, and they are made accessible to low credit borrowers. You will be required to attend training sessions and meet other criteria, but there are a host of grants available if you are willing to go through these programs.

High Risk Loans

You may have low credit as a result of poor planning instead of social disadvantage. If this is the case, most government loan programs will be out of your reach. High risk lenders specialize in extending financing to those who would not otherwise qualify. Many high risk lenders operate online, and you can find high risk lenders in your area with an Internet search.

Secured Loans

Your credit score is assurance against default. Without a good score, you need to provide additional assurance. This can be done using collateral to gain a secured loan. Nearly any asset can be used as collateral including automobiles, home equity, stock certificates, savings accounts and personal assets. Secured loans are riskier for you, the borrower, but they are more accessible than unsecured loans if you have bad credit.

Co-Signed Loans

You can borrow the credit of a co-signer if other options are not working for you. Unfortunately, using a co-signer means the loan will not help build your credit to a significant degree if you pay it on time. Despite this short coming, co-signed loans are a good option if you are routinely denied financing due to your credit score.

Griffon Bad Credit Loans – Cash For Any Purpose! #unsecured #loans #no #credit #check

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Warning: Late repayment can cause you serious money problems. For help, go to Representative example: 400 borrowed for 30 days. Total amount repayable is 459.36. Interest charged is 59.36, interest rate 180.5% (variable). Representative 728.9% APR.

8 great reasons to use Griffon Loans

Loans For Bad Credit Take Home Up To £1,000 Today!*

Welcome to Griffin Loans. We are your main source for UK cash advances, our panel of lenders have a high acceptance rate. We help you obtain payday loans, which are short-term cash advances based on the amount of your next paycheck. Payday loans are a simple and easy cash advance product that can allow you to take care of emergencies in between paychecks. You do not have to have perfect credit to obtain such an advance, so you can relax about facing a credit check.

Qualifications for Griffin Loans

You will have to meet some criteria before you apply. First, you must be older than the age of 18. The age requirement is necessary for your legal signature on the contract. Our panel of lenders provide legally binding loans that you will be obligated to repay in a few weeks. Therefore, you must be a legal adult to enter into an agreement with them. Additionally, you will need a valid bank account and a job with the same employer for at least three months. This ensures that you have the ability to repay any loan that you are provided. Of course you should always be careful when using this type of short term finance, always be sure you are able to repay on the set date otherwise the costs could spiral out of control.

We offer a wide variety of loan options via our lenders. You can borrow a small loan of only £100 if you just need to purchase food until your next paycheck arrives. If you have a larger emergency, then you can feel confident that our panel of lenders will loan you up to £1,000 to take care of that emergency. As long as your monthly income meets the criteria. Short-term lending has never before been this easy.

Easy Repayment Process

You do not have to concern yourself with website addresses or mailing addresses for repayment. Your chosen lender will make the repayment process simple by deducting your payment from the valid bank account that you give them. They will use the same account that we send your loan to and deduct the loan proceeds plus fees on the repayment date. They will notify you of your repayment date in your contract so that you will know exactly what we expect of you. There are no hidden fees, tricks, or games with our company. We just want you to be happy and take care of your most important obligations.

The Application Process

The application process for a cash advance is simple. You do not need to be a technological expert to request funds. Just click on the “apply” button and start submitting your personal information. We need to know your income amount, your employer’s information, and your banking information. Our experts will conduct a verification to make sure that the information you submitted is correct. If your advance is approved, the lender may send your funds to you within 15 minutes. Getting the funds you need to you as quickly as possible is our main priority.

Graduate School Loans – Keller Graduate School of Management #sky #loans

#graduate school loans

Student Loan Options

Graduate School Loan Options

Federal Direct Loans

Federal Direct Unsubsidized Stafford Loan

Federal Direct Graduate PLUS Loan

Private Student Loans

Private loans are bank loans for educational expenses and are not insured by the government.

Private loans are made by a bank or lender (not the U.S. Department of Education), and many programs allow students to borrow up to the cost of attendance minus any financial aid received (including federal student loans). Terms of repayment vary depending upon the lending institution.

Lenders may perform a credit check to determine credit worthiness (income, employment, residency, etc.) before approving these loans. Some students may need a co-signer.

Because interest rates may be higher for private loans, it may be beneficial to complete a FAFSA to apply for and determine eligibility for federal loans first, then borrow only what you need to pay the balance of your education costs.

Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income-based repayment and income-contingent repayment plans, and loan forgiveness benefits, which other student loans are not required to provide.

If you are interested to learn more about private loans speak to your DeVry University Student Finance professional. For more information on specific private loan programs contact the lender of your choice. Note that you are not limited in your choice of lenders – feel free to shop around. See below to learn about the application process.

The Application Process:

1. Submit your FAFSA. If you have not submitted your FAFSA, visit .

2. Review your estimated financial aid awards with your DeVry Student Finance Professional.

3. Determine how much you need to borrow in each loan program.

4. If you have remaining costs that are not covered by the financial aid or other grants or scholarships, you may want to consider a Private Loan. Remember to borrow wisely, and borrow only what you need for educational expenses.

5. When you apply for a private Loan, there is a credit check process, so your loan approval, subsequent interest rate and loan fees (if applicable), are based on your credit status.

DeVry University does not make any recommendations regarding lender selection. The lenders below are listed in alphabetical order, and therefore do not indicate any sort of rank or preference. Students are encouraged to review each lender’s terms and conditions before selecting a lender. Lender terms and eligibility criteria sometimes change, and while all of the lenders listed below currently provide loans to DeVry University students, they may not always do so. Students may choose to borrow from one of the lenders listed in the attached or from any other lender.

GSLoans Instant Loans #graduate #school #loans

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Payday Loans at are quick and easy and hassle free. There are no forms to fill in, no credit checks and our application process is 100% on-line. We accept the greatest amount of payday loan applicants than any other lender in the UK.

Our Payday loans are always between £80 and under £1,000 and are generally taken over a period of 30 days or less.

With, it’s never been so easy to get the payday loan you need today instantly for any of those unexpected expenses or emergency situations. You can use the money on whatever you like and we never ask you what you need the money for. Our simple on-line payday loan application will have cash into your bank account within 30 minutes. Remember, no credit checks, no documents or faxing and 100% on-line.

We never ask any awkward questions and our lending criteria is relaxed giving you every chance to qualify for one of our payday loans anytime.

Borrow from £80 up to £800 and we’ll have the cash in your account in less than 30 minutes. We specialise in payday loans and that’s all we do.

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Government Grants #discovery #student #loans

#small business funding

Government Grants

There’s a pervasive myth that there’s no funding available for businesses. This is not the case – if you meet the criteria there’s government grants available for your business.

The South African government is well aware of the importance of developing the economy, creating employment and attracting foreign investment.

To make these goals a reality, there are grants and assistance programmes available from the government and associated organisations that can get your business off the ground and expanding.

What is a government grant?

It is an award of funds from the government that does not need to be repaid, does not accrue interest, and has strict guidelines for application. Grants available from the government usually tie in with its key deliverables such as black economic empowerment, job creation and developing the economy – to name some.

Do you have to repay a Government Grant? 

Unlike a loan, a grant is an award of money that is non-repayable – meaning there is no obligation by the receiving parties to repay the money received. While the government is one of the best sources of grants, its selection criteria is strict and paperwork intensive, and the receiving business is obligated to spend the funds in a manner specified by the provider. Most funds available in South Africa have their own specific requirements, so it’s advisable to research each fund carefully to assess their criteria and up your chances of receiving funding.

List of Government Grants for Business

The best place to start with researching government grants for business is through the Department of Trade and Industry (DTI). By visiting you can explore a number of funding options from grants to incentives and all their qualifying criteria. Some grants available include:

  • Aqua-culture Development and Enhancement  Programme (ADEP) – is available to registered entities involved in primary, secondary and ancillary aquaculture projects for both marine and fresh water. It is approved for new, existing and upgrading entities. See more at here .
  • Automotive Investment Scheme (AIS) – is designed to grow and develop the automotive industry through investment in new and replacement models and components  that will increase production volumes, sustain and increase employment, and strengthen the automotive value chain. See more here .
  • Black Business  Supplier Development Programme (BBSDP) – is a cost-sharing grant offered to black-owned businesses to improve their competitiveness and sustainability. It aims to fast-track small and micro-enterprises, foster links between black-owned businesses, corporates and public sector, and to complement affirmative procurement and outsourcing. It provides grants to a maximum of R1 million. See more at here .
  • Business Process Services (BPS) – This scheme aims to attract investment and create employment in South Africa through  off-shoring activities. It involves a three-year tax-exempt grant for qualifying businesses. See more here .
  • Capital Projects  Feasibility Programme (CPFP) – is a cost-sharing grant contributing to the cost of feasibility studies for projects that will lead to increased local exports and stimulate the local manufacturing sector. See more here .
  • Critical Infrastructure Programme (CIP) – is aimed at improving the infrastructure of South Africa. The grant covers a minimum of 10% to a maximum of 30% of total development costs of qualifying infrastructure. See more here .
  • The Co-operative Incentive Scheme (CIS) – is a 90:10 cost-sharing grant for registered primary cop-operatives of five or more members to improve the viability and competitiveness. See more at here .
  • Incubation Support Programme (ISP) – is designed to create and develop successful enterprises with the ability to revitalize communities and local economies. For more information visit this site .
  • The Manufacturing  Competitive Enhancement Programme (MCEP) – provides enhanced manufacturing support to encourage facility upgrades to sustain employment and improve productivity. See more here .
  • Manufacturing Investment Programme (MIP) – is a reimbursable cash grant to local and foreign-owned manufacturers who wish to establish new facilities or expand on existing ones.
  • National Youth Development Agency (NYDA) – while it is moving away from grants for youth and going toward mentorship and development programmes, grants are available for youth entrepreneurs. See more here .
  • People-carrier Automotive Investment Scheme (P-AIS) – is a cash grant of between  20% and 35% of the value of qualifying investment in productive assets approved by the DTI. See more at here .
  • The Sector Specific Assistance Scheme (SSAS) – is a cost-sharing grant offered on an 80:20 principle and a maximum of R1,5 million is awarded to qualifying businesses. See more at here
  • Support Programme for  Industrial Innovation (SPII) – aimed to promote technology development in South African industry. Visit their site for more information .

Who can apply for Government Grants for Business?

Because of the number of grants available – and each with its own criteria – you will need to individually research each grant. Generally through, the following will be required:

  • The business needs to be majority black-owned
  • It needs to have a significant representation of black managers (if applicable)
  • Minimum and maximum turnovers vary from grant to grant
  • The business must have a minimum of one year in trading
  • The business must be a registered entity with a tax clearance certificate, Vat number, etc.
  • The business must comply with all regulations such as CIPRO, SARS etc.
  • All owners and major shareholders need a clear credit history.

Tips on applying for Government Grants for Business

Once you’ve identified a grant applicable to your business and industry, research it thoroughly to determine the qualifying criteria. Each grant listed on the DTI website has a contact person you can call or email for more information.

When applying, make sure you’ve completed the following checklist:

  1. Completed and signed application form
  2. SARS Tax Clearance Certificate – Original and valid
  3. Detailed business plan
  4. Co-operative resolution (if applicable)
  5. List of directors, shareholders etc. complete with certified copies of IDs and CVs
  6. Copy of business registration cerfiticate
  7. Motivational letter
  8. Bank statements
  9. Projected financial statements for start-up and/or expansion

Government Small Business Loans #citiassist #student #loan

#how to get a small business loan

Government Small Business Loans

Government small business loans help put your own business within reach. First there’s the quest for a decent location, then comes building a customer base, followed by all the initial hiccups of generating a cash flow before your business grows roots and gains momentum. The beginning of a business is crucial because it’s when you gain or lose market credibility. If you disappoint your customers, they may not give you a second chance. If your business gets off to a rocky start (most do), and you believe you can recover but need further financing to make this happen, you can apply for government small business loans.

Why Government Loans?

For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector.

More about Government Small Business Loans

Government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs. For each loan authorized, a government-backed guarantee offers serious credibility, since the lender knows that even if you default, the government will pay off the balance. These loans can be applied to a number of uses, such as:

  • Purchase of new equipment, machinery, parts, supplies, etc.
  • Financing leasehold improvements
  • Commercial mortgage on buildings
  • Refinance existing debt
  • Establishing a line of credit

Government small business loans benefit both small businesses and the lending agency. For small businesses, it is beneficial because this is money capital they may not have access too. For banks, the loan’s risk is decreased due to the loan being backed by the SBA.

Different SBA Government Loans

The SBA extends financial help through various lending programs it has to offer. Some of the more popular loans are:

  • 7(a) Loan Guarantee Program: aimed primarily in helping a small business start or expand its services. The maximum size of such a loan is $5 million.
  • MicroLoan Program: mostly used for short-term purposes, such as purchase of goods, office furniture, transportation, computers, etc. The maximum amount is fixed at $50,000.
  • 504 Fixed Asset Program: featuring fixed-rate and long-term financing, these loans are aimed at applicants whose business model will benefit their community directly, either by providing jobs or bringing needed services to an underserved area. Again, the maximum amount is $5 million.
  • Disaster Assistance: under this program, loans are sanctioned to renters or homeowners with a low-interest, long-term plan for the restoration of property to its pre-disaster condition.

In most cases, maintaining a good business credit report is enough to qualify. In addition, it instills confidence not only in the lender, but also in you. There is at least one SBA office in every state in America. If you contact them regarding the startup status of your business model and plan, you can get started on a government small business loan that will give you the financing to make your dreams a reality.

You just learned about: Government Small Business Loans Programs

For more information, check out this related resource: Funding a Business

Government Grants for Individual Debt Relief #current #auto #loan #rates

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Debt Relief Government Grants

Government grants are one of the best debt relief options. Even though grants are not as popular as debt consolidation loans they are available to individuals. There are grant programs for debt relief help. They are right for you if you re deep in debt and are looking for a source of fund for paying off your debt if you re eligible to apply for this financial assistance.

If you think that getting a debt consolidation loan is the best option, think again. A loan is a loan; you need to repay it. With free grants from the government, you can have the funds for paying off your debt without incurring another debt. The best thing about these funds is you don t need to pay them back.

Do You Qualify for a Government Gift?

A grant from the government is not a present. A grant is a kind of gift that requires particular obligations in the grantee s part at the same time an expectations in the grantor s part. After receiving a grant from a government agency, you re expected to meet the required obligations, which are submitting progress reports on projects or activities to which the grant was first used.

There are grants for individuals. A popular type of these grants is the scholarship grant. Unlike a student loan that you need to pay back, you don t need to do so for a scholarship grant. As a student, your only obligation is to send progress reports of your academic excellence to the government body that awarded you the grant.

The money is non-taxable and interest fee. The grants even don t need you to give a credit check, security deposits, collateral or co-signers. If you are bankrupt or have a negative credit history you can also apply as long as you are over 18, a taxpayer and an US citizen.

Government Grants for Personal Debt Relief

There are various grant programs offering many types of help to a variety of businesses and individuals. These grants are available for financing higher education, paying off health care bills, a new business start-up debt repayment, and consolidating personal debt. For this reason, grants are a great debt relief tool.

To make sure the government grant money is going to the really needy people the Social Service office or other government agency studies each grant application. They will get access to your financial situation current income, outstanding debt and monthly debt payment to decide if you qualify for a grant.

If you can meet the agency s requirements you will receive a government debt relief fund. Receiving a grant to pay off debt is better than filing for bankruptcy or living with bad credit. In fact these government grants are gifts for debt relief. They are government tools to help improve your life s quality.

Debt Relief Government Grants was last modified: June 21st, 2014 by Paul Sarwana

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Tuition Financial Aid

Direct PLUS Loan

A federal loan available for students who qualify and need to borrow more than their unsubsidized loan amount.


Cost of attendance minus other aid


Graduate or professional students enrolled at least half time who need to borrow more than the maximum Unsubsidized Loan amounts. You must pass a credit check for approval, unless you get the loan endorsed by someone who does not have an adverse credit history.

Interest rate

Fixed interest rate of 7.21% for Direct PLUS Loans first disbursed after July 1, 2014, to June 30, 2015. Direct PLUS loans first disbursed between July 1, 2015 and June 30, 2016 will have an interest rate of 6.84%.

Loan fees

The fee for a Direct PLUS Loan is 4.292%. Beginning October 1, 2015, the PLUS fee will change to 4.272%.


Payment of principal and interest begins 60 days after your loan is fully disbursed. Learn more about repayment .

How to apply

If you ve borrowed your maximum annual Unsubsidized Loan but need additional funds, contact our office to find out if you re eligible to apply for the Direct PLUS loan.

If you’ve applied for financial aid and want to borrow a Graduate PLUS loan, here’s what you should do to complete the process:

Find out if you’re eligible.

Contact the financial aid office to see if you’re eligible to borrow a PLUS loan.

Go to the Federal Student Aid website and sign in with your Federal Student Aid authentication information (FSA ID). If you don’t have an FSA ID yet, link to Federal Student Aid to obtain one.

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Welcome to is an established governmental resource on various federal financial assistance programs in the United States. Today, has become the largest resource for information on government grants, loans, and scholarships. If you are looking for financial help from the government such as small business grants and government grants for women and more, you have come to the right place.

Government Grants

Government grant is a form of a financial award from a federal agency. Government grants are not benefits to US citizens; they are given to individuals or businesses to achieve goals that will stimulate or help the economy in general. In order for people to receive grants, federal grants must be authorized by law.

A proper perspective on grants is to look at it as if you have something beneficial to the economy and just need the financial support to get you started. If you are looking for financial support to help you get through any type of financial crisis, there are certain government benefits for US citizens that you may be entitled for. Government grants are awards given only to individuals and businesses as recognition to their current or potential positive influence to the public community or economy.

For more information, visit:

  • – U.S. Official Government Grants Resource
  • – U.S. Government’s official website on money flow related to Recovery Act
  • – U.S. Government’s official website on government benefits for United States citizens

Government Loans

There are various financial aids from the U.S. government in the form of loans. The United States government has made available loan programs in various sectors including agriculture, business, disaster relief, education, housing and veteran. Individuals or businesses are encouraged to apply for government loan programs.

Unlike government grants, loan recipients do have to pay back the amounts given to them in specified time frames. However, government loan agreements usually have lower interest rates or grace periods. For example, students are encouraged to apply for student loans to fund their post-secondary or advanced education degrees. Interest rates are significant lower as compared with credit loans. Students also have 6 months or more grace period after graduation – they only have to start re-paying the amount they are given 6 months or more after their graduation.

For more information, visit:

  • – U.S. Government’s official website on various loan programs for U.S. citizens
  • – U.S. Government’s official website on various loan and financial assistance programs for education

Scholarships and Student Loans

United States government encourages its citizens to gain as much education as possible. If you are interested in financial aid for college, university, or other career schools, you may be eligible to apply for various scholarship programs and student loans.

The U.S. department of education is the largest source of student financial aid in North America. The government offers thousands of financial aid programs in the form of grants, loans, and scholarships to help its citizens to succeed in their education journeys. You do not have to be a full time student to be eligible to receive scholarships or student loans. There are many work-assistance programs available as well.

For more information, visit:

  • – U.S. Government’s official website on student aid programs.

Government Grants in Local States

Getting a Car Title Loan in California: Pink Slip Collateral Loans #alternative #student #loans

#pink slip loans

Getting a Car Title Loan in California: Pink Slip Collateral Loans

It is easy to get a car title loan in California, and all you need is your vehicle’s pink slip or California certificate of vehicle ownership as collateral to loan agencies. This type of car loan is preferred over other methods such as a car title pawn, wherein the lender will hold on to the vehicle while the loan is active. A pink slip loan is different, as it lets the owner keep the car even while under the obligation of a loan. A lot of people have taken advantage of the pink slip loan. Websites that specialize in pink slip loans in California will give you a fair assessment on the loan amount based on your car’s value or equity.

1. Why a Pink Slip Loan?

A pink slip loan is preferred because:

  1. As previously mentioned, the owner has the benefit of keeping the car while under a loan.
  2. The process is fast and easy.
  3. It does not require a good credit score.
  4. An instant quote is available online, saving time and money.

Another good thing about pink slip loans is that the money is made available immediately once the application is approved. This is great for emergencies or sudden expenses that need to be ironed out fast.

2. Value of Car = Loan Amount

A typical pink slip loan in California will base the loan amount on the blue book or fair market value of the car at present. It would be natural that a new vehicle would give the owner a higher loan amount that is available. Other factors include:

  1. Overall vehicle condition.
  2. Total mileage of the car.
  3. Make and model year of the car.

There is an industry standard when it comes to price appraisal of car models and are generally followed when in regards to pink slip loans.

3. Any Brand Accepted

It is often said that as long as the car has value, then cash would be made available for you. Most pink slip lenders accept any make and model car as long as it is presentable and worthy of daily use. Make sure that the car title is in order to prevent any delays on the application process.

4. Low Interest Rates

Pink slip loans in California offer competitive rates when it comes to loan interest and are considered the lowest in the industry. Actual figures may vary, but most lenders charge a 6.6% interest rate, which makes it easy and affordable for most car owners. Most lenders offer a 24 to 44 month loan term for easy payment and could even approve such loans on a weekend when other lending institutions are closed.

A pink slip car loan is a good way to obtain extra cash without sacrificing the much needed utility that your vehicle offers. Online loan applications make the process fast and with less complications. When in need of immediate or emergency money that offers no penalties even on early pre-payment of loans, a pink slip loan in California may be the option that is best for you.

Related Questions and Answers

How to Apply for a Car Title?

The first thing to do is find the vehicle’s VIN number. If you have the current registration paperwork it should be on there. You will need to find a request for duplicate title form. These are available from your local DMV office or their website. This form needs to be filled out and notarized. If there is a lien against the car, like a car loan, you will need to have a representative of the bank sign the form as well. The form and the fee will than need to be filed at the DMV. The new title will be sent to you, but it can take up to 10 weeks to receive it.

How Do I Get a Copy of My Car Title?

The procedure will vary by state, but in most cases it is the same. You will need the VIN of the vehicle. This is usually located on the dash by the drivers side. It can be viewed through the windshield. Your local DMV office should have a duplicate title request form which will have to be filled out and notarized. If the vehicle has a lien against it, the lien-holder will have to sign off as well. When all of this is complete, the form needs to be filed with the DMV. They will mail the duplicate title to your home. It can take up to twelve weeks.

What is a Collateral Loan?

A collateral loan is a loan that is secured with collateral, or items that the bank can sell in the event the loan is not paid. When a collateral loan is signed, the borrower is giving the bank the legal right to sell whatever assets that have been listed as collateral on the loan. Common items that are used as collateral would be stocks, bonds, property or a home. Vehicles that are owned outright can also be used as collateral. These types of loans often offer a lower interest rate as repayment of the loan is guaranteed.

Do Loans that are Using Cars as Collateral Have a High APR?

Loans using cars as collateral tend to have a lower interest rate. Collateral loans are loans that require items to be put up as collateral in the event that the loan is not repaid. If the loan goes unpaid, then the bank or finance company has the right to take the collateral and sell it to pay the loan off. If a car has been put up as collateral and the loan is not paid, the bank will repossess the car and sell it to pay off the loan. Because the loan is guaranteed by the collateral, the interest rate is often less than an unsecured loan.

What is a Title Loan?

A title loan or car title loan is a loan secured by the title of a vehicle. The borrower puts up their vehicle title as collateral in the event that the loan is not paid. In many cases these are short term, low dollar amount loans. The lender typically does not do a credit check, which means this type of loan will carry a higher interest rate. If the borrower defaults on the loan, the title of the vehicle is transferred to the loan company. They will sell the car to repay the loan.

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#secured loans for bad credit

Getting a Secured Car Loan with Bad Credit

Secured car loans are one of the options available for individuals with poor credit or little credit. As with most loans, the loan terms are based on ability to make payments, collateral and credit worthiness.

Credit Score

In many cases, one of the key factors in securing an auto loan is your credit score. In order to determine your credit rate, order a current copy of your credit report from all 3 of the credit reporting agencies-Experian, Equifax and TransUnion. You are entitled to a free report every year, and if you have been denied credit or employment as a result of information contained in your credit report.

Once you have a copy of your report, review it for errors and challenge any items that are incorrect or invalid. Almost all credit reports have errors and this can affect your credit score negatively. Also take the opportunity to report any positive credit information that is not contained in your credit report. By taking proactive steps before you apply for a secured car loan, you can actually improve your credit score and potentially the terms of a car loan.

Secured Car Loans

A secured loan is a loan where collateral is used against the value of the loan. In many cases, collateral takes the form of the item that the loan is being taken against-for example, a home or a vehicle. If the terms of the loan are not met, then the lender repossesses the property. This does not release the borrower from their financial obligation, however, and they are still required to pay the loan balance off before the item will be discharged from their credit.

Do Your Research

Besides looking at your credit report in advance of applying for a secured car loan, you should also do some research on the average purchase prices of cars that you might be interested in buying. While you may want to purchase the sleekest luxury car on the market, you may find that you can only afford this kind of car if you offer additional collateral against the loan, particularly if you have very bad credit or a history of defaulting on car loans. However, if you research different cars thoroughly, you may find that you can afford a car that meets your needs without the need to provide additional collateral in order to get a secured car loan. This information will help you as you begin to search for a secured car loan.

Shopping for a Car Loan

Very often today, the best loan terms can be found from online lenders rather than car dealerships, banks or credit unions. There are numerous car loan clearinghouse websites that conveniently require you to apply only once to their system. They forward your application information to lenders who then contact you with loan offers.

The advantage of shopping for a secured car loan this way is that you have several loan offers to compare, including interest rates, length of the loan and any other items that may be included in the loan such as sales tax, registration fees, insurance and anything else that the lender might include. By having these side by side comparisons to evaluate, you can then choose the best loan for your needs.

Secured car loans are loans that use collateral against the loan. In order to get this kind of loan, you should know your credit score, do some research on the type of car you want to purchase and then apply to several lenders to compare loan offers and find the best loan for your needs.

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#car loan

Getting a Car Loan

If you re like most car shoppers, you plan to get a loan to pay for your car. Here are some tips to help you when you re looking for a car loan:

  • Shop for loans before you head to the dealership. You may want to get pre-approved for a loan before you head to the dealership. That way, you ll have a better idea of what kinds of cars you can afford.
  • Look for the lowest rate. Shop around for the lowest annual percentage rate (APR) and compare rates offered by the dealer, banks, credit unions, and savings and loan institutions.
  • Compare loans. Ask different lenders for information about the same loan amount, loan term and type of loan. Also, ask for a list of all costs and fees. Keep in mind that your monthly car payment will be determined not only by the interest rate, but also by the amount of your down payment and the length of the loan.
  • Determine overall cost. Monthly payments on a long-term loan will be lower than the payments on a short-term loan. However, the overall cost of the long-term loan will be greater and your equity in the car will build more slowly. Pay attention to how much the financing will cost you in the end, not just the interest rate or monthly payment amount.
  • Weigh your options. Vehicle manufacturers sometime offer incentives for the purchase of certain models. Buyers who want one of these cars usually get to choose: a cash-back rebate, or a loan with a very low interest rate (APR). Keep in mind that you may be able to save money in the long run if you take the rebate, apply it to your down payment, and then finance your vehicle through a bank or a credit union. Use an online calculator to help you determine whether you d be better off with a rebate or a lower rate.
  • Know the deal with dealer financing. Be aware that if the dealer is arranging financing, they are probably making a profit from it. Sometimes the dealer can obtain the best terms for you, but do not take their word for it. Shop around to ensure that you re getting the best deal.
  • Know what the car is worth. Your personal bank or credit union may be a good trusted resource for advising you on the value of a prospective vehicle before you sign any document.
  • Get it in writing. Under federal law, you must be given the exact terms and total costs of your car loan in writing. Do not take the dealeR s word for the calculation of your monthly payment or for any other terms of financing
  • Find out your insurance coverage. Many lenders will attempt to sell you credit insurance, which would pay off your loan should you die or become disabled. Before you buy it, examine your coverage under your existing insurance policies. You cannot be forced to purchase credit insurance in order to secure a loan.
  • Also, watch out for scams. One common scam is called the Yo-Yo. A few days or weeks after the car is purchased, the unscrupulous car dealer calls the buyer back to the lot. He claims that the loan financing has fallen through, and the buyer will need to pay more cash or get a loan with a higher interest rate. Some dealers may also try to keep the buyeR s down payment. However, the buyer has a legal right to request that the original deal be unwound if the financing falls through, and that all of their money be refunded.

    Another tactic involves loading up the loan financing contract with expensive options. These include theft deterrent systems, vehicle service contracts, extended warranties, extra insurance to cover loan payments if the vehicle is involved in an accident, and even credit life insurance and disability insurance policies for the buyer. These unnecessary items can cost buyers a lot of money over the life of their loan.

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    Unsecured loans no credit check

    If financial crisis is the need of the hour, applying for unsecured loans no credit check is the ideal way to find quick money. It does not matter what your credit scores are. However unfavourable your credit history may be, you are sure to get instant monetary support through us at Long Term Loans Utah. The loan amount that you get by applying for unsecured loans no credit check depends upon your financial condition and nature of requirement.

    We do not ask you to pledge any security against the amount that you borrow through us. Also, we do not discriminate between tenants and house owners. Whether you live along with your parents or own a separate house is not a matter that affects us.

    Our eligibility conditions are quite simple and easy to be satisfied. To procure monetary support through us you need to be a citizen of the United States who owns a valid bank account. Your age must be eighteen or above and you must confirm to have a steady source of income every month.

    You are fully free to make use of the loan amount whichever way you want. We do not interfere in how you make use of the borrowed amount as we consider the loan amount as all yours once it reaches your hands. The online loan application procedure is quite simple. With us, getting the required amount is just a matter of few clicks and do not take more than a few minutes to be completed. Apply now!

    Getting a Car Loan With No Credit is Easier Than You Think #car #loan #calculators

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    Getting a Car Loan With No Credit is Easier Than You Think

    If you are considering a no credit car loan, there are some preliminary steps you can take to make yourself a better candidate:

    Establish a Checking and Savings Account – Lenders like to see that you are responsible and haven’t overdrawn your account.

    Apply for a Credit Card – You can use and pay off a credit card to build up some credit history. Gas and department store cards are generally easier to get. As a last resort, you can get a secured credit card, which requires a deposit. It’s important to make sure that the card issuer reports to a credit bureau. Otherwise, building up a history would not be that advantageous.

    Maintain a Steady Background – Lenders usually award applicants with a steady employment and residence history. Having a utility and phone number in your name can also be quite helpful.

    CarsDirect No Credit Car Loan Services

    CarsDirect can help you with your no credit car loan needs. In fact, we help more consumers get a no credit car loan than any other website in the country. We work with a network of dealers who specialize in this area of financing. The dealer has access to a number of financial institutions and will shop around to find you the best deal on a no credit car loan.

    Simply fill out a quick and easy application. and you’ll be on your way to getting your new car! The service is free and absolutely no obligation is required.

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    Get Online Loans No Credit Check From A Trusted Provider

    It is possible to obtain a payday advance with low interest rates and receive as much as a month before a loan must be repaid. A payday advance is a type of loan with no collateral or mortgage required and it is typically used as a means of solving various short term money problems and financial emergencies, such as unexpected medical bills, car repairs or travels. Because so much convenience is currently provided by all online payday advance companies, getting a payday advance loan is an easy and fast process. Frequently the cash you need will be wired to your bank savings account on the very same day you send your application forms. Then amount of cash you can receive from an online payday loan is usually between $110 and $1000, though it is possible to get more than that in some cases.

    You can get inexpensive payday advances from a really wide range of online sources. Typical term of a payday loan varies between two weeks and a month. What is even more important, online loans never require any credit check, so if you have a bad credit score this is not an issue you should be worried about. All that will be verified during the application process are your personal information and this should last no longer than an hour. When all data is verified you can expect the cash deposited directly on your savings or checking bank account. Payday loan fees are also very reasonable for such a convenient and fast source of cash, and vary between $10 per every borrowed hundred dollars to up to $30 per hundred borrowed. In order to get the best interest rate available on the online loan market you should compare at least a few offers from different loan companies. Always remember that bad credit does not prevent you from getting lower rates, as there is no credit check for online loans involved.

    Payday loans are usually uses when a financial emergency occurs, for example when you have to avoid bouncing checks or bank overdrafts. All kinds of unexpected bills are also frequently paid by means of a payday loan. It is of vital importance to know that if you take a payday loan it will not affect your credit score or credit rating in any way. All your obligations are to repay the loan within two weeks to 30 days. Frequently online loan lenders will be eager to offer you an extended period of time to repay your loan and pay the interest after your next paycheck has arrived. It is still possible to get the low interest rates you previously agreed to in your payday loan agreement even after you extended your loan period.

    It is not difficult to find a cheap payday loan company because there are virtually hundreds of different companies willing to provide their services at reasonable rates. Compare a few offers, choose the cheapest rate you can get, send a completed application form and you can expect cash on your account on the same day. Most online payday advance companies do not require any documents, such as bank statements or employment records to be faxed before you can be approved.

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      • Initiation Fee.  Loans under R1000 15%
      •                            Loans over R1000 R150 plus 10% on value                                                        above R1000
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    To keep financial woes at bay, apply with us at Long Term Loans Utah today. Tailored to meet your specific requirements we at Long Term Loans Utah offer instant cash solutions. Our deals like unsecured loans no credit check and small personal loans bad credit equip you with prompt and safe monetary assistance.

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    Instead of dealing with a secure bank loan that is difficult to qualify for, consider the benefits of an unsecured lending product that allows you to take control of your money and eliminate debts. Our matching service is completely free, so you have nothing to lose! Our partners offer some of the most attractive payday loan options in the business, so you can rest assured that you will be taken care of.

    When you make the decision to get out of debt, you will have the confidence in knowing you have a resource to turn to in the future if you need help again.

    Apply today and get started

    Using our simple, secure form, you can get an approval decision quickly. Once approved, your cash advance will be deposited directly into your specified account, without any hassles. If you need more time to repay the balance and applicable fees, discuss your situation with your provider. In many cases, they will offer a rollover or extension.

    • Stop worrying about your specific situation and take control of your future
    • Begin the form on this page to get started

    We work hard to ensure that your satisfaction is guaranteed throughout the matching process. We have done the homework for you and work with industry leaders to ensure the process is simple and straightforward. When you, a need a payday advance. the choice has never been more clear. Ditch the hassles associated with physical stores and experience the ease and convenience that comes with relying on a trusted company.

    Get Debt Consolidation Loans With Bad Credit #log #book #loans

    #debt consolidation loans for bad credit

    Wage day renter loans are what they have to can count on throughout Get debt consolidation loans with bad credit emergencies such as these. There s no question that unemployed persons of United kingdom will never agree with them, specifically when large numbers Get debt consolidation loans with bad credit have already been tapping within the checkpoint in the economy and production facilities or solutions centers aren t in a very feeling to create clean job opportunities.

    Thanks to a great influx of on line loan companies, obtaining these refinancing options on very competitive costs receives easy work for debtors with less-than-perfect credit out of work.

    Therefore the rate recharged on Get debt consolidation loans with bad credit cash advance loans is slightly larger on payday loans Get debt consolidation loans with bad credit caused by high risk involved.

    If you can’t individual any asset or for similar don’t wish to pledge any collateral, it is possible to choose unsecured method of the loans.

    Certainly be a standard paymaster as it would help you evade Get debt consolidation loans with bad credit many of the penal charge billed by using more interest by different lenders. Pupils in britain decide to go outside of the country to live on their goals and there are plenty of students are likely to enter in the British isles to generate their employment. After you commitment the house the loan companies permit the bank loan in the plethora of 5000 to 75000 for the timeframe of 5 to twenty five years.

    In this particular time period client needs to repay back in the loan originator or else he can impose by past due fee.

    Get Bad Credit Car Finance with Stoneacre Motor Group #aussie #loans

    #car loans with bad credit

    Bad Credit Car Finance

    At Stoneacre, we’re here to help as many people get car finance as possible; even for those who are looking for car finance with bad credit, we’ll always do what we can to get them into their own car. It is important to remember that if you have a history of bad credit, you can still be eligible for car finance and Stoneacre will help you every step of the way.

    There might be several reasons why you are suffering from poor credit, but we don’t just look at your credit situation. We also we take into account other factors to ensure that even car finance with poor credit can be affordable. We work with a panel of lenders who, like us, want to help you get finance and help people with various financial circumstances every day, while we ourselves are specialists in car finance with bad credit.

    Are you eligible for bad credit car finance with Stoneacre?

    As previously mentioned, there can be numerous causes of bad credit, and at Stoneacre we will never shun people away because of factors that might be affecting your credit. Below are examples of why you may be classed as having poor credit and how we can help you attain car finance with bad credit.

    Missed payments, defaults or arrears. In many cases of customers coming to us for bad credit car finance, missed payments tends to be the issue and is one of the most common reasons for bad credit in the first place. If this is your situation, don’t feel put off in applying for car finance for bad credit with us as we’d be more than happy to consider your application.

    CCJs. Another common circumstance for us when it comes to bad credit car finance customers is those with a County Court Judgment (CCJ). Again, don’t let this worry you into not applying with us. We’re more than able to consider applications for those with CCJs, although we do require that that they are over four-weeks old.

    Instant Decision

  • Soft Search

  • High Acceptance

  • In-House Team

    Bankruptcy. This can often be a tricky area when it comes to acquiring a car on finance with bad credit, but as long as you have been discharged of bankruptcy for at least 12 months, we’ll be more than happy to take on your application. Those wanting to apply whilst under bankruptcy will have a lot less likely chance of obtaining car finance, but if you do so, please ensure you inform us and the lender of your bankruptcy proceedings, as it could constitute as an offence you fail to do so.

    IVAs. The good news in this area of bad credit is that if you’ve had an Individual Voluntary Arrangement (IVA) in the past but it is now settled, we would be glad to receive your finance application. However, if you currently have an IVA, it is advised that you first get written confirmation from your insolvency practitioner that you’re able to borrow again; at least talking with your practitioner beforehand in this situation is likely to be a good first step before applying.

    The other bits. At Stoneacre, we require all finance applicants to be 18 years or older, but with bad credit car finance we may require applicants to be at least 21, so please contact us to check if this applies to you. Also, we can give finance to those unemployed, but those in work will always have much better chance of being successful as lenders may look for a minimum income threshold for those with bad credit.

    Applying for bad credit car finance with Stoneacre

    When you make a finance application with Stoneacre, we will initially do what is called a ‘soft search’ on your credit profile; this is something that is not visible to other lenders and will not appear on your credit history. If we believe we can help you further in attaining car finance with bad credit, we will go ahead with the rest of the application; if it’s obvious the application won’t be accepted, it’s stopped at this stage, your details do not go any further and your credit profile will not be affected.

    If you’re application is continued, you will be put in touch with your own personal finance coordinator who will guide you every step of the way, from putting you with the right lender that suits your needs to choosing the perfect car. There is no obligation at any stage of the application to accept the bad credit car finance package we offer, but our F I award-winning finance team will always do their utmost to give you the best deal available. Apply today and see how we can help you get car finance with bad credit.

    Do you offer black box car finance?

    Yes, we do offer black box car finance. In fact, we’re one of the first lender/brokers to offer it in the UK. With this in mind we conducted a comprehensive survey in order to understand how customers feel about the idea of having the box fitted to their car. See the results here .

  • Get a loan today #title #loans

    #get a loan today

    Is Foreclosure Ever A Good Option?

    When it comes to real estate, the real “f” word is “foreclosure.” No one likes to talk about it and certainly no one wants to undergo foreclosure proceedings, but foreclosures do happen from time to time. Of course, there are other options that can help you avoid the odious trial and error of a foreclosure. more »

    Startup Seed Money: Finding It Is Half the Battle

    LEARN HOW TO GET FUNDING FOR A STARTUP COMPANY AWESOME INFOGRAPHIC INCLUDED. Without a true understanding of how to fund a business, it may not even be possible to think about creating one. Today’s entrepreneurs are financing their startup companies in incredibly innovative ways, landing around $70,000 – the average cost of starting a more »

    7 Ways To Grow Your Hair Salon Business Loans Available

    Growing your hair salon business should be made a reality, and not just a dream.  If you put the following pieces together, growing your hair salon will happen. With the right marketing, finding new clients can be made easy.  As you add clients to your business, you must have other elements of your business in more »

    Getting a SBA Loan: What you need to know

    Getting a SBA Loan: What you need to know The Small Business Administration (SBA) is a government agency that provides loan guaranty programs to encourage small businesses throughout the United States to develop and grow. These loans still originate from a bank or commercial lender but a SBA loan can help you qualify for a lower more »

    Small Business Loans for Marketing – A Plan Guaranteed to Generate Long-Term Profit

    Get a Motorcycle Loan Today – Motorcycle Loans at Great Rates. #short #term #loans #uk

    #motorcycle loan rates

    Get a Motorcycle Loan

    Prosper’s peer-to-peer loans are perfect for your dream bike

    If you’ve been looking for the right financing for the right bike, you’ve probably seen how some lenders place heavy restrictions on loans for motorcycles.

    Prosper allows you to request the loan that’s right for your individual needs. All loans obtained through Prosper are unsecured loans, which require no collateral. Once you get a loan from Prosper, you can buy a new or used motorcycle from any seller, giving you more freedom to choose the right bike!

    Get your motorcycle loan online

    It’s easy. Simply join Prosper as a borrower, then request a loan by creating a listing. You choose the amount. In your listing, we display a summary of your credit history, and you can tell our lenders about yourself and how you plan to use the loan.

    Shop around and compare rates and terms. Prosper may have the loan for you. Why not  apply now. Our entire process is fully transparent, and you remain in control.

    Does my credit score affect my loan?

    Yes. Most lenders will look at your credit history, and Prosper lenders are no exception. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now. for free, with no obligation.

    The Prosper community does not require “perfect credit.” If you have an average to an above average credit rating, one way to expedite your loan funding is to ask another Prosper member (especially a lender) to endorse you. Don’t know any other Prosper members personally? Invite a friend to join .

    Georgia Title Pawn Loan from an Online Pawn Shop #car #loans #rates

    #online title loans

    Title Pawn Loans

    Georgia title loans are offered by Georgia’s fastest growing title pawn loan broker. We offer title loans at the absolute best deal guaranteed for all Georgia residents looking for the fastest, safest, and easiest way to use the title to their vehicle as collateral for fast cash. There are no credit checks, no credit reporting, no hidden fees, and no lengthy application process when you get a Georgia title pawn loan from ePawnMarket.

    We offer the best Georgia title loan rates and terms in the state by using our online pawn shop to process the transaction almost entirely online. We are a full service Georgia title pawn broker and our process is completely mobile. Fill out your application online, submit any necessary documents online, then meet one of our agents at a location convenient for you. The Georgia title pawn loan process from ePawnMarket is safe, convenient, and discrete.

    You can get a Georgia title loan using the title to your vehicle, motorcycle, boat, RV, trailer, and more! EpawnMarket is the largest full service online pawn shop in Georgia and we understand the needs of our fellow residents. In addition to the titles already mentioned we also offer Georgia title loans on commercial vehicles, heavy equipment, recreational vehicles, and luxury assets like yachts, planes, house boats, and more. If you find yourself short on time and in need of cash fast then we are here for you.

    The Georgia title loan rates and terms are guaranteed to be the best in the state period. We are your neighbors and we understand the need for extra cash occasionally. We offer you title pawns at rates as low as 2.99% per month! We are trying to give you a chance to get out from under your existing title pawn and refinance your Georgia title loan in a way that you can afford to pay the loan off! EpawnMarket, changing the landscape of title pawn loans in Georgia.


    Frequently Asked Questions #fha #loan #requirements

    #cash advance loan

    Frequently Asked Questions

    About Payday Loans

    What is a payday loan?

    A payday loan is a short-term, small-dollar loan, often used to cover unexpected expenses or to bridge a temporary gap between paychecks. A payday loan is a financial solution that provides an alternative to bouncing checks or paying late fees. Payday loans are used to cover short-term financial situations – they are not a long-term financial solution.

    How often can I use a payday loan?

    National Cash Advance is regulated by state and federal laws. Depending on your state s laws, there may be specific guidelines regarding the use of a payday loan. To find out more about payday loan terms in your state, click here to contact one of our locations.

    How are payday loans regulated?

    National Cash Advance is regulated by laws and officials at both state and federal levels, including the Consumer Financial Protection Bureau. In addition, as members of the Community Financial Services Association of America, we follow all industry Best Practices to provide the most beneficial, responsible payday loan service.

    Is my credit score checked before receiving a payday loan?

    No, our approval process does not consider or impact a customeR s FICO score, but we may evaluate your credit eligibility by using a custom scoring model developed by Experian. To learn more, visit or contact one of our locations.

    What are your hours?

    Our store hours vary by location. Click here to view the hours of the location nearest you or call 1-877-462-2227 to be connected to your nearest location.

    Funding a New Small Business? Don t Bother With Banks #home #loan #interest #rate

    #loan for business

    Funding a New Small Business? Don’t Bother With Banks

    Photograph by Leigh Reighton/Corbis

    Question: What steps should I take before applying for a loan to open a small business? I’d like to maximize my chances of getting a good response.

    Answer: Getting a small business bank loan is never easy, and it’s been especially difficult since the financial crash of 2008 and the lingering credit crunch. Even though small business lending is rebounding somewhat. it is still virtually impossible to get a loan to open a new business.

    That’s because lenders want to see a financial track record for your business that demonstrates your ability to repay the money they’re lending you. Without that kind of history, the lender has no way to know if your venture will be successful enough to make good on your obligation. Banks are lenders, not investors, and they’re not interested in knowingly making equity investments in businesses, as an industry representative told me in 2011 .

    So what are your options? Most entrepreneurs start their businesses with savings; they put startup costs on credit cards; or they get loans from friends and family. There are also more creative ways to raise startup capital, such as babysitting or renting out a room in your apartment .

    The void in bank lending has spurred the growth of alternative lending. which can be costly but gets money to entrepreneurs quickly and without a lot of hassle. Another new option is crowdfunding  through websites such as Kickstarter and Indiegogo.

    Some niche alternatives that have sprung up are less well-known. For instance, culinary businesses can apply to the Whole Foods (WFM ) Local Producer loan program, which the company says has lent $10 million to businesses making local food products since its inception in 2007. Interest rates range from 5 percent to 9 percent, and it helps if your company is already a Whole Foods supplier, though it’s not mandatory.

    Or maybe you need a loan to buy a franchise business. Many franchisers started to recognize that they’d need to help prospective franchisees with financing after home equity—once a common source of startup cash—plunged in many parts of the country. Matco Tools (DHR ). which has been selling tools to auto mechanics via independent distributors since 1979, ramped up its in-house financing program in 2008, says John Green, vice president for marketing and e-commerce at Matco Tools. The program can cover up to 100 percent of initial inventory and working capital costs for qualified prospects who want to buy Matco franchises, which range between $89,000 and $144,000.

    Perhaps a more realistic option for you is connecting with a nonprofit microlender. Caitlin McShane, communications director of Opportunity Fund. a California microlender, says her organization is making several times as many loans as it did five years ago. “We lend between $1 million and $2 million a month and do over 1,000 loans a year,” she says. The organization has offices in San Francisco, San Jose, and Los Angeles. It is currently running a startup funding challenge that aims to provide loans of up to $50,000 at 7.5 percent interest.

    When you do get your business to the point that a bank loan is a more realistic possibility, after two to three years of operations, here are some tips from Laurie Pettinella Zona, a partner in early-stage startup accelerator K5Launch.

    Make the loan officer’s job easier by “clearly illustrating why your business is a less risky investment,” she says. Be clear-eyed about what the risks are, however, as pretending to be risk-free is a bad idea. “Show that your business has a proven business model” with steady, paying customers, she says. And “put your best foot forward and sell yourself: your résumé, background, references, prior successful businesses, and history of paying back loans or investors.” Paying down your personal debt and getting your credit score as high as possible are also good ideas.

    Freedom Cash Advance – Clear and Objective #government #home #loans

    #payday cash loans

    Freedom Cash Advance

    We are a resource dedicated to providing information on the payday loan – cash advance industry.

    A Short-term Financial Resource

    We are not ‘for or against’ payday loans or cash advances. Our foundations’ mission is to assist in regulating this largely unregulated financial industry. By offering helpful advice for those in need of emergency funds, we hope to dispel any myths or falsehoods regarding these services.

    Freedom Cash Advance – A SAFETY-NET or WEB of DEBT?

    We believe that the payday loan industry is growing at a tremendous rate and yet factual, unbiased information about these kinds of services are scarce. We are not affiliated with the industry and is simply focused on providing sincere cash advance advice. Our research team works arduously to protect the rights and interests of everyday people who are just a little down on bucks and need a helping hand to freedom from debt.

    We are keeping watch on the industry, so that you don’t have any more worries to add to other worries. Borrowing can be very expensive but when you have no other recourse and your car needs to be fixed or an unexpected crisis arises then a payday loan can be that soft safety net that saves you from a hard fall. But if you’re not careful and you don’t have adequate means to handle the high costs and stipulations of cash advances then these short-term loans can turn into long lasting moans.

    We have one ultimate purpose and that’s to prevent people from getting entangled in a ‘web of debt.’ Borrowing can get very sticky if you’re not aware of all the dangers or high costs.

    Georgia Payday Loan (GA) #quick #money #loans

    #cash loans no credit check

    Georgia Payday Loan

    Payday loans are not allowed in Georgia; however, speedy financial help is still available through SameDayPayday, with the aim of making life more comfortable for you financially. A payday loan can be just what you need to pay for emergency car repairs or other unexpected expenses that otherwise would have to wait until your next payday, and thereby cause you significant inconvenience. SameDayPayday offers a quick and convenient service: take two minutes to fill out your application, and within 90 seconds the approval will come through and an hour after that the funds will be waiting for you in your account. Although providing a payday loan is illegal in Georgia, SameDayPayday has a network of lenders that approve payday loans to residents of all 50 states.

    SameDayPayday loans taken out in Georgia should be considered quick-fix loans. For this reason, unlike large bank loans, a payday loan usually ranges in amounts of $100 to $500 dollars- just enough to keep you going between pay checks. An unexpected car repair, repayment of a personal debt, a gift for that surprise wedding or an unexpected financial loss are just some of the emergency financial needs that a payday loan can quickly and confidentially alleviate. Unlike a traditional bank loan, there are no lengthy application and waiting processes. A payday loan also differs in the way the Georgia state laws regulate it.

    Georgia Laws Pertaining To Payday Lending

    By law payday loans are prohibited in the state of Georgia. Lenders in this state must possess a license to deposit checks into someone’s account and the state sets a minimum fee for cashing a post-dated check.

    So how can you get a payday loan in Georgia? The process operates much the same way the credit card companies operate. For example, you can live in New Jersey and receive a credit card application from a bank in Delaware. In the same way, SameDayPayday will connect you legally to a state that is allowed to provide you with those emergency funds you need.

    The state of Georgia does not have any payday lenders within the state. However, thanks mainly to the internet, Georgia residents still have access to the quick cash provided by payday loans. In an internet search early 2009, “payday loans Georgia” turned up 237,000 hits!

    SameDayPayday can help you choose from the overwhelming choices presented over the internet. At your service twenty-four hours a day and seven days a week, SameDayPayday is ready to connect you to the appropriate payday loan in Georgia. Once receiving your completed payday loan application, most approvals come within 90 seconds.In an hour or less your loan is then rushed to your account! With a short-term payday loan there is no need for a credit check or a lengthy application process. Only fill out the short application provided by SameDayPayday and within an hour your finacial worries can be at an end!

    There’s no longer any need to wonder how you will make it to your next paycheck. Let SameDayPayday help you in triumph over financial constraints with a quick, efficient and confidential payday today!

    Georgia Payday Loan – Cities

    Georgia Cash Advance Loans

    The state motto of Georgia is: “Wisdom, Justice and Moderation..” It might feel like an unwise and unjust fact that Georgia prohibits cash advance lenders from operating within its borders. No need to worry, though! SameDayPayday has a vast network of lenders who are standing by and ready to approve your cash advance loan regardless of which state in the U.S. you call home. When faced with a need for quick cash between paychecks, Georgia residents need only to click on SameDayPayday from the comfort and convenience of their home computer and apply for a cash advance loan. The process is fast, easy, and confidential. Simply fill out the application and within 90 seconds you can be approved for a cash advance loan. After the approval, it only takes about an hour for the funds to be deposited into your account. Now that’s service!

    SameDayPayday understands that emergencies happen. Whether it is a medical emergency, a car repair, a surprise party that requires a gift from you, or an unexpected school expense, a cash advance loan may be just the thing you need to take care of the situation. Cash advance loans are short-term loans and, therefore, are meant to be repaid within a couple of weeks. There is no lengthy application, waiting or credit check involved; with SameDayPayday you can quickly and confidentially take care of your financial need. Because cash advance loans differ from traditional bank loans so much, the way Georgia state law looks at cash advance loans is different as well.

    The regulation of the cash advance lending industry falls mainly to the individual states. These short-term lending institutions are balance atop an active and rocky legal terrain. Lobbyists are working around the clock on both sides of the legal issue- on one hand the cash advance lending industry wants to make sure you have access to much needed emergency cash and on the other hand opponents are fervently working to try to end the availability of short-term loans under the guise of consumer protection.

    You are no doubt aware that in the state of Georgia cash advance lenders are banned from operating centers within its borders. So you may be wondering how exactly SameDayPayday can help you get your much-needed funds by connecting you to a cash advance lender in Georgia. The answer resembles the current operating procedures of credit card companies. For example, you can live in Alabama and have a credit card issued out of a bank in Delaware. In the same way, SameDayPayday will connect you legally to a cash advance lender that is allowed to provide you with those emergency funds you need.

    The sheer numbers of lenders offering cash advance loans for the state of Georgia can seem staggering- after all, who has the time to research all of those companies? This is where SameDayPayday can be of service. After filling out a basic application, your information is then immediately rushed to the lenders who are doing business in Georgia. Within 90 seconds you will recieve approval from the most appropriate cash advance lender for you. An hour after that, if approved, you will find your cash advance loan waiting for you in your account. No credit checks. No lengthy and invasive application process- just speed and efficiency. So stop trying to rob Peter to pay Paul between paychecks; a cash advance loan through SameDayPayday will bring your financial woes to an end. Apply today!

    The state of Georgia does not have any cash advance lenders within the state. However, thanks mainly to the internet, Georgia residents still have access to the quick cash provided by cash advance loans. In an internet search early 2009, “cash advance loans Georgia” turned up 237,000 hits!

    Georgia cash advance loans are the way to go when you are faced with an emergency need for quick cash. has been a favorite for many residing in The Empire State of the South as satisfied customers discover relief from their financial emergency. Probably the greatest part about obtaining a cash advance loan online is that it’s so fast, safe, and convenient. You don’t have to spend much time or energy or precious gas to find the cash advance loan that is right for you. With SameDayPayday there is no longer any need to worry about how you will make it to your next paycheck- just by clicking the mouse and giving some basic information, you can have your cash advance loan in your account in about an hour and your financial problem will be no more.

    Student Loan Project #direct #payday #loans

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    Stress About Student Loans Repayment?

    Get out of debt fast! Fill Out This Quick Form to Qualify for Help with Student Loans Privacy Policy

    If you apply for Student Loan Forgiveness,

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    Ready to Receive Forgiveness of Student Loan Debt?

    Join thousands of graduates that are receiving special benefits on private student loans as well as Department of Education Student Loan Forgiveness! The Student Loan Project was established to offer student loan help and support, due to the rising costs of education, the billions of dollars of student loan debt and the lack of a healthy job market.

    Say Goodbye to Unnecessary Monthly Payments!

    FRB: Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks #student #loan #without #cosigner

    #bank loan rates

    Delinquency Rates

    1. Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit. Return to table

    Not available.

    Source. Federal Financial Institutions Examination Council (FFIEC) Consolidated Reports of Condition and Income (1985-2000: FFIEC 031 through 034; 2001-: FFIEC 031 041).


    Charge-offs, which are the value of loans removed from the books and charged against loss reserves, are measured net of recoveries as a percentage of average loans and annualized.

    Delinquent loans are those past due thirty days or more and still accruing interest as well as those in nonaccrual status. They are measured as a percentage of end-of-period loans.

    Banks are insured U.S.-chartered commercial banks.

    Size, where used, is measured by consolidated assets adjusted for mergers; where used, “other” banks are those smaller than the 100 largest.

    Special Notes

    The adoption by some banks of FAS 159, The Fair Value Option for Financial Assets and Financial Liabilities, affected charge-off and delinquency rate data for 2008:1. Because the effects of the accounting change on the dollar volume of loans reported on banks’ loan books were small, the effects of the accounting change on banks’ charge-off and delinquency rates were presumably small for the industry as a whole. Information on the dollar impacts on banks’ loan books can be found on page 14 in the “Notes on the Data” section beginning with the April 11, H.8, Assets and Liabilities of Commercial Bank in the United States, statistical release. For more information on FAS 159, please refer to

    Owing to a reporting problem, delinquency rates for residential and commercial mortgage loans for the third quarter of 1999 are partially estimated.

    Florida Restrictions on Payday Loan Lenders #unsecured #loans #with #bad #credit

    #payday loan lenders only

    Florida Restrictions on Payday Loan Lenders

    Florida law limits the interest and terms of payday loans, and requires payday loan lenders to comply with other rules that protect consumers.

    While payday lending is legal in Florida, it is subject to strict limitations. If you have a problem with a Florida payday lender, you can turn to the state for help. But if you obtained the loan from an out-of-state lender over the Internet or the telephone, the help that Florida can provide may be limited.

    (To learn about other consumer protection laws in Florida, visit out Florida Debt Management Center .)

    What Is a Pay Day Loan?

    A pay day loan is an advance payment on a post-dated check you provide to the lender. The lender gives you money and you provide a signed repayment check which is generally dated to correspond with the date of your next paycheck. The post-dated check is for the amount the lender advanced to you plus interest (usually at a very high rate) and any allowed costs. The interest amount is usually called a fee. The lender agrees not to deposit your check until the agreed upon date shown on your signed check.

    Most consumer advocates warn against using payday lenders because the interest and fees are exorbitant. See Reasons to Avoid Payday Loans .

    Use a Florida Licensed Lender

    If you find yourself in a bad spot and have no other choice than to take out a pay day loan in Florida, it is a good idea to make sure that you are dealing with a licensed lender. Pay day lenders licensed in Florida must comply with the state laws and respond to inquiries by the Office of Financial Regulation in order to maintain their license.

    If you have a problem with a pay day lender, you can file a complaint with the state and request assistance. But if the lender is not licensed in Florida, and is operating from another state or country through the Internet or telephone, there may be little the state can do.

    Limitations on Payday Lending in Florida

    Payday lending is limited in several ways in Florida. The law places limits on

    • the amount of the loan
    • the number of loans you can have outstanding
    • the length of the loan term
    • the fees and costs that can be charged, and
    • the collection process if you don’t pay.

    Amount of the loan. In Florida, payday advances cannot exceed $500. There are no exceptions.

    Number of loans. You can only have one outstanding payday loan at a time. Loans are tracked through a central database. When you pay back the loan, there is an additional 24-hour cooling-off period before you can take out another pay day loan.

    Loan term. Pay day loans cannot be for less than seven days or more than 31 days. Rollovers are also prohibited. If you take out a 14-day payday loan, for example, the lender is not permitted to rollover, or renew, the loan, charging the fees again, for an additional 14 days -– even though the entire length of time would be less than 31 days. The term is set when you take out the loan, but if you are unable to pay, there is something you can do to extend the term of the loan without additional charges or interest.

    Grace period. The law provides you with a 60-day grace period if you are unable to pay back the loan upon the expiration of the contract term. But to take advantage of this you must: (1) make an appointment with a credit counseling agency within seven days of the original due date, and (2) complete the credit counseling within the 60-day grace period. If the credit counseling agency recommends a repayment plan, you may repay the debt in accordance with the plan without incurring additional fees or costs.

    Fees and costs. Florida statutes limit the fee that can be charged on a payday loan to 10% of the loan amount. Costs, in the form of a verification fee, are limited to five dollars for each loan. This is not an annual interest rate but the rate that is being charged for the specific loan term. For example, a seven-day payday loan of $100 with a 10% fee, would cost you ten dollars plus the verification fee for the seven-day period. Applying an annual rate, the 10% fee is equivalent to an interest rate in excess of 500%.

    Collection. If the check you provided to the payday loan lender does not clear the bank and you are not able to pay, there are limitations on what the payday lender can do. The payday lender may not pursue criminal action against you for a bad check. They can demand payment but costs in are limited to the 10% fee, the $5 cost and any bad check fees imposed by the lender’s bank (if you did not inform the lender in advance that the check could not be honored). No additional costs may be charged unless a lawsuit is filed and additional costs are imposed by the court. The lender may seek to recover interest on its judgment but it is limited to the judgment rate in the state generally and not a rate based on the payday loan fee.

    Additional Requirements Under Florida Law

    Florida law requires that the payday loan agreement be in writing and signed by both parties on the date the loan is given. The loan agreement must contain:

    • the name and address of the lender and the lenders business office
    • the name of the lender’s representative who signed the agreemen
    • a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.

    The agreement cannot legally contain terms whereby the borrower agrees to hold the lender harmless for any damages or actions, waives any rights under the law, agrees in advance to the entry of a judgment or wage garnishment, or waives any defenses to repayment.

    The proceeds of the loan may be provided in a form other than cash only if the borrower agrees. The fees allowed under the law may not be collected in advance, and the lender cannot require any additional security or guarantors. Lastly, a copy of the signed agreement must be provided to the borrower at the time of the transaction.

    Free Loan Calculator #loans #ireland

    #bridging loan calculator

    Loan Calculator

    Search for a loan using these details Find your loan



    Warning: Late repayment can cause you serious money problems. For help, go to

    You can compare the cost of different deals by changing the loan term or amount you want to borrow. Or you can enter your monthly budget and let the calculator tell you know how much you can borrow and over what length of time.

    Personal loans

    Many of us take out a personal loan at some point to cover the cost of a big purchase such as a car, to fund home improvements, or perhaps to pay for a wedding or bumper holiday.

    Unless you ve got substantial savings, then a loan is often the only way to get hold of a lump sum. But make sure you understand exactly what you re signing up for.

    Loan limits

    There s usually a maximum amount you can borrow with a personal loan, typically 25,000. If you want to borrow more, you ll need to put down security, such as your home. That can be complicated, or even impossible if you re renting.

    Loan rates are tiered and, as a general rule, the more you borrow, the lower the rate of interest you ll be charged. So, you ll pay a higher rate of interest to borrow 1,000 than you would 15,000.

    Sometimes it can be cheaper to borrow a bit more if it pushes you into a tier where loan rates are lower. For example, rates often plummet if you are borrowing between 7,500 and 15,000, so if you want to borrow 7,000, it could actually be more cost-effective to take out a loan for 7,500 instead.

    Don t get carried away though. Even though the thought of a big lump sum sitting in your bank account might be appealing, remember you ll have to pay it all back eventually.

    Most loan terms run from a year up to five years. The longer the loan term you choose, the lower monthly payments will be, but the more interest you will pay overall.

    Rates are usually fixed, so the amount you pay each month will remain the same throughout the loan term.

    Where to find personal loans

    You can compare loans via MoneySuperMarket s loans channel. Before applying for any loan, check whether there are any arrangement fees, or early redemption penalties if you want to pay off what you owe before the end of the term.

    Why your credit score matters

    When you apply for a loan, lenders will carry out a credit check to see how you have managed debts previously.

    If you have missed any payments in the past, then your application for a loan may be refused, or you could be charged a higher interest rate than the one advertised. This process can also cause further damage to your credit rating.

    Our Smart Loans Search facility allows you to check how likely you are to be accept for a loan. Pre-checking your eligibility in this way will help preserve your credit rating.

    Moneysupermarket is a credit broker this means we ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders though the size of that payment doesn t affect how we show products to customers.

    Student loan refinancing will save you money – if you don’t actually need it – The Washington Post #car #loan #estimator

    #student loan refinance

    Student loan refinancing will save you money if you don’t actually need it

    New companies are offering some student borrowers attractive refinancing options. But struggling borrowers are out of luck.

    Holly Ittel, 23, is paying off $70,000 in student loans while living in New York City with her boyfriend. (Courtesy of Holly Ittel).

    It was a monster they could manage, this six-figure debt. Two years ago, the Salvias, both lawyers in the Harrisburg, Pa. area, bought a two-story home with a fenced back yard for their purebred boxer, Mani. They’re putting finishing touches on a nursery for their first child, a girl, due this winter.

    And they’re paying off law school: about $300,000 in combined student loans.

    “It’s just one of those things that come off the top,” said Ralph Salvia, 35. “We’re fortunate to make enough money.”

    Salvia and his wife, Trisha, represent a sliver of student-loan borrowers who have found a way to refinance. Unlike many struggling student borrowers nationwide. they don’t need anyone’s debt-management help — and that’s precisely why they’re eligible for it.

    The Salvias refinanced their student loans this year through Citizens Bank. slashing their interest rates from about 6.75 percent to 2.35 percent, putting their student loan rate lower than their mortgage rate of 3.25 percent. Their monthly payments dropped by $700. The savings, the couple says, will go toward day care.

    “I’ve told all my friends to do this,” Ralph Salvia said. “Multiple times.”

    On paper, refinancing student debt — like refinancing a mortgage  — is a logical way to save cash. The idea: You often apply for education loans as a penniless teenager and, ideally, graduate four (or seven or 12) years later with a steady job and a healthier credit score.

    “It makes sense that you should then qualify for lower interest rates,” said Brendan Coughlin, president of education finance business at Citizens Bank, which last year rolled out its student loan refinancing service. “People who take advantage of this opportunity could save thousands.”

    Refinancing, proponents say, is especially attractive as the nation’s total student loan debt burden hits $1.2 trillion. More student loans than credit card accounts are now delinquent. The Class of 2014 was called the most indebted ever . The Class of 2015 is likely to inherit that title.

    The grim reality of refinancing, however, is that most borrowers — the average bachelor’s degree graduate with debt owes $29,000 — aren’t eligible for the deal. Education refinancing requires steady income and a high credit score.

    Citizens Bank takes on the federal and private student loans of borrowers with a minimum FICO score of 660. Salvia’s is 810. (He won’t disclose his income.) SoFi’s average client makes $150,000, chief executive Mike Cagney said, and has an average FICO score of 770. The company has never had a client default.

    Today, a handful of private companies offer student loan refinancing with these strict eligibility requirements. Citizens Bank and SoFi are among the largest, with thousands of customers nationwide. They say refinancing can be an economic boost, a shortcut to buying a home or starting a business.

    But student loan refinancing is not for cash-strapped graduates sinking in a quicksand of debt. The cost-cutting tool isn’t designed to relieve the overburdened.

    It’s used to get ahead.

    “A quirk of lending: The people who have the most difficult financial situations often get the highest interest rates,” said Mark Kantrowitz, publisher of “That makes it even more difficult for them to repay loans.”

    Companies won’t risk buying a default, Kantrowitz said. The most vulnerable borrowers, those who must seek other debt-management avenues, can improve credit by making every payment on time.

    Consumer protections built into government loans make the process easier. Access to federal income-based repayment and emergency forbearance can be lost when debt is privately refinanced. Banks have no incentive to provide these safety nets. Regardless of whether you refinance, though, it’s almost impossible to wipe out student loan debt in a bankruptcy.

    Sen. Elizabeth Warren (D-Mass.) introduced a bill  this year to address the country’s student debt problem. (Sen. Sherrod Brown, an Ohio Democrat, attempted a similar move  last year.) Warren’s bill, which was backed by Democrats and would have allowed many more borrowers to refinance loans, died over the summer in the Senate and was blocked again last month by Republicans. The measure would have enabled people with older loans to adopt much lower interest rates.

    Warren proposed taxing millionaires to fund the program, an approach Republicans opposed. She has pledged to keep pushing .

    “Homeowners are refinancing,” she said at a recent news conference. “Small businesses are refinancing. We just want young people who got an education to have their shot.”

    The current interest rate on undergraduate federal Stafford loans — the most widely borrowed — will be 4.66 percent this school year. an increase from last year’s 3.96 percent. Graduate students’ Stafford rates increased to 6.21 percent, from 5.41 percent. Interest rates on older federal student loans can hit 9 percent, or even higher.

    Students who borrow from the government often also finance their education through private loans with often higher rates. Some experts say the contrasting outcomes of rich borrower, poor borrower drive inequality in the United States.

    Holly Ittel, 23, wonders how she’ll pay off more than $70,000 in student loan debt. Last week, she had $5 in her bank account.

    An artist from Ohio who babysits for wealthy New York City families, Ittel tries not to think about her 9 percent interest rate. She won’t bother trying to refinance her student loans — a lost cause.

    Still, Ittel doesn’t regret studying ceramics at Ohio University, though the program cost far more than the community college in her hometown. “I followed my passion there,” she said. “But I didn’t fully realize what I was getting into. I wasn’t fully aware of the debt until after graduation.”

    Her monthly income is about $1,200. Her rent in the Bronx is $1,200, split with her boyfriend. Her parents, a farmer and a nurse, cover her private loan payments. Her federal loans are in forbearance until next year.

    Ittel searches each day for a higher-paying job, one in the art field. Her dream is to work at a museum. For now, she says, the best way to manage debt is to defer it.

    She’ll apply to graduate schools this winter.

    We asked readers to tell us about their student loan debt.  Fill out the form below to share yours.

    Free Interest-Only Loan Calculator for Excel #astrive #student #loans

    #interest only loan calculator

    Interest-Only Loan Calculator

    Download a free Interest-Only Loan / Interest-Only Mortgage Calculator for Microsoft Excel

    The Vertex42 Interest-Only Loan Calculator is a very powerful spreadsheet based on our popular Loan Amortization Schedule. It helps you calculate your interest only loan payment for a fixed-rate loan or mortgage and lets you specify the length of the interest-only (IO) period. You can also calculate the effect of including extra payments before and after the IO period.


    What is an Interest-Only Mortgage Loan?

    Both fixed-rate and variable-rate loans and mortgages often give you an interest-only payment option. This option allows you to make payments, for a certain number of years, that include interest only (no principal). The result is a lower payment during the first few years (or months) of the loan.

    During the interest-only period, you are usually allowed to make extra payments on the principal if you want to, without paying any penalty fees.

    At the end of the IO period, the new monthly payment is calculated based on the number of years you have remaining on your loan and your current balance.

    Luckily, you don’t need to do these calculations yourself. Let the spreadsheet do it for you.

    Interest Only Loan Calculator

    Flexible Terms – Payday Loans #easy #loans #no #credit #check

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    – Bad Credit, No Credit, All Credit OK –

    To Qualify for a $1000 Loan **

    1. Receive $750 + per month in income.

    Learn More About

    Within seconds of clicking submit, loan sources matching your requirements will display on-screen. By clicking the Submit button, you are not submitting an application. You are requesting that we compare more than 100 loan sources with your needs, and display the matching results on-screen for you to compare. Then you simply choose which loan source(s) to submit your application to.

    ( NO SPAM ) We will not share the results of your search with anyone other than yourself and authorized employees of All of your information, including your name and email address, will never be sold, rented, traded or similarly made available to anyone for any reason unless permitted by our privacy policy. We guarantee it! For more details view our privacy policy.

    * This website does not constitute an offer or solicitation to lend or an application to lend. is neither a lender nor any other banking or lending institution. We do not make loans, nor do we make cash advances or credit decisions, nor do we broker loans to lending institutions. We make no guarantees or warranties with regard to the availability of any particular loan, nor whether any person qualifies or may qualify for a loan. We do not endorse any particular loan source, loan provider or loan product.

    Typically the loan sources advertised on this website will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some loan sources. Typically, these reports will not affect your credit score.

    ** Not all loan sources can provide up to $1,000. This site will match you with loan source(s) based on your requirements. is not an agent or representative of any service provider and does not endorse any service or product. Cash transfer times may vary among loan sources. Most lenders fund the next business day. In some circumstances faxing may be required by certain loan providers as part of their loan process. Completion of this form in no way guarantees that you will be approved for a loan. The service offered by this Website may change from time to time and without notice.

    Fixed-Rate Student Loans #guaranteed #personal #loans

    #best rate loans

    Fixed-Rate Student Loans

    Federal Fixed-Rate Loans

    Usually one of the best options when seeking to take out a student loan is to borrow from the federal government under the William D. Ford Direct Loan Program. There are four loans to choose from:

    These loans all offer fixed interest rates throughout the life of your loan. Most of the time, federal loans offer lower interest rates than private student loans. The rates can change year to year; however, the rate is set prior to July 1st each year, and once you are approved for a Direct Loan, your rate is locked in all the way through repayment.

    The trick with a federal loan, wherein the U.S. Department of Education is your lender, is that you have to reapply for each year of school you need funding. This means that you will likely have four different loan rates, one for each year of schooling. After you finish or leave school, you can consolidate these loans into a Direct Consolidation Loan, which takes the weighted average interest rate of your loans and combines them into a single new loan with new loan terms and interest rates.

    Direct Loan Interest Rates

    Current interest rates for loans first disbursed between July 1, 2015 and June 30, 2016 for Direct Loans are:

    • Direct Subsidized undergraduate student rate: 4.29 percent
    • Direct Unsubsidized undergraduate student rate: 4.29 percent
    • Direct Unsubsidized professional or graduate student rate: 5.84 percent
    • Direct PLUS graduate, professional or parents of undergraduate rate: 6.84 percent

    With a Direct Subsidized Loan, the government pays your interest while you are in school, while with an Unsubsidized Loan you are responsible for the interest during all periods of your loan. Direct Subsidized and Unsubsidized Loans are not based on a credit check and often don t require a co-signer. Instead, your Expected Family Contribution (EFC) is calculated to determine how much financial need you have in relation to your total cost of attendance (COA) at your chosen school. Direct PLUS Loans do require a credit check and are offered to graduate or professional students or parents of undergraduate students. To apply for a federal student loan, you must fill out a Free Application for Federal Student Aid (FAFSA).

    Private Fixed-Rate Loans

    Fixed-rate loans offered through private financial institutions and organizations almost always start out higher than the variable rate loans since student loans generally have a long life, and the lender is trying to estimate profit margins for the duration of the loan term. Interest rates are either based on the PRIME or LIBOR index. The PRIME Lending Rate is the rate banks offer their customers with the highest credit ratings as published by The Wall Street Journal. London Interbank Offered Rate, or LIBOR, is based on the average interest rates of deposited U.S. currency in the London market. Most lenders use one of these as a base rate and then add a percentage, or a spread.

    Some banks, credit unions, private and state organizations and foundations, and even schools are offering loans with fixed-rates these days to help fill in the gap between federal funding and the cost of higher education. Some of these offer very low interest rates if you meet certain criteria, such as a required GPA, certain field of study or school, high credit scores, or the use of a cosigner.

    FirstBank Construction Loans #home #loan #interest #rate

    #construction loan rates

    FirstBank Construction Loans

    At FirstBank, we understand that each loan applicant has different needs. We do not have a one-size fits all loan structure. Instead, we focus on listening to your ideas and coming up with a solution. We provide one-on-one customer service that you cannot get at other institutions.


    Personal Construction Loans

    If you are building a home and need financing for construction. We have several loan types to consider.

    At FirstBank, you can borrow up to 90% of the costs associated with building your new home. The loan is structured as a line of credit with interest only payments, keeping your monthly payments as low as possible. Call one of our loan officers today to discuss a custom designed construction loan to help you build your dream.

    You want to build your dream home and you need to buy the land. FirstBank offers a variety of programs to help you buy land for future development. We’ll help you in every phase of the transaction, from land acquisition through construction to your permanent loan.

    Fixed Initial Rate Mortgages

    Choose one of our Fixed Initial Rate Mortgages (FIRM’s) products with an initial fixed rate of 5 or 7 years; or a 15 year fixed rate loan. We also offer extremely competitive rates and closing costs.

    Single Close Construction Loans

    This product allows you to construct and permanently finance your new single family, owner occupied primary or secondary residences with just one loan. You save money by avoiding two loan closings and the associated duplication of loan fees, closing costs, appraisals, etc. In addition, the uncertainty and interest rate risk incurred with two loans is eliminated since you are fully qualified and the interest rate is locked prior to beginning construction.

    Business Construction Loans

    Constructing a building can be a complex process. It requires a combination of expertise between your builder, your lender, and you. We have several loan types to consider.

    FirstBank offers competitively priced loans to finance the construction of income-producing properties such as office buildings, shopping centers, warehouses, showroom space, apartment buildings or condominium buildings. The loans are serviced by a local relationship officer.

    FirstBank offers construction loans to build speculation (spec) or pre-sold 1-4 family homes. The loans are competitively priced and serviced by a local relationship officer. Contact us today for more information.

    Florida Construction Loan #fast #loans #online

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    Florida Construction Loan Programs

    The most important step in getting a Florida construction loan is choosing a loan officer. Specialists are needed for a Florida construction mortgage loan for the same reason that you wouldn’t go to a family practitioner for heart surgery. You shouldn’t get a Florida construction loan from just any Mortgage Lender. you really do want a specialist.

    Construction loans are structured and paid out differently than other kinds of Florida Mortgage loans. Only a loan officer with experience in Florida construction loans should be trusted with yours.

    At first Continental Mortgage, we have been helping clients get low cost Florida construction mortgage loans for building new custom homes or substantially renovating their existing homes for a decade.

    Florida Construction Loans

    Designed For Borrowers Who Are Planning On:

    • Building a new primary residence
    • Building a vacation home or second home in Florida
    • Making major renovations on to an existing property
    • Constructing rental houses or income property

    The construction loan programs we offer are really three loans in one: a land loan, a construction loan, and a permanent loan. Obviously, construction loan applicants save time and money by closing once instead of three times. The principle advantage of receiving a Florida Construction Loan is the big savings on closing costs, since it is only closed once, and the ability to pay interest only on only the funds used during the construction period.

    Benefits of Florida Construction Loan Programs

    We know the nuances and the pitfalls of the Florida construction loan inside and out! Why not give us a call today at 1-954-667-9110!

    FirstBank – s Additional Loans #how #to #apply #for #a #student #loan

    #car loans rates

    FirstBank s Additional Loans

    FirstBank offers several more types of loans, including Auto Loans, Cash Reserves, Business FirstLine of Credit, Letters of Credit, and Single Payment Loans.


    Auto Loans

    Purchasing a new or used vehicle is much more exciting when the loan or refinancing process is easy. Our competitive loan programs and outstanding customer service help you keep stress where it belongs: rush-hour traffic.

    • Contact us for available terms and conditions.
    • Pre-arranged financing is available.
    • Automatic payments from your FirstBank account may be arranged.

    Business FirstLine of Credit

    FirstBank combines a line of credit with the convenience of a checking account in the FirstLine of Credit Account.

    • A credit line of $5,000 or more that may be unsecured or secured by acceptable forms of collateral.
    • You can access your FirstLine of Credit by check, Business Visa Check Card, Online Banking, Internet Cash Management, 24-Hour Telephone Banking, electronic debit, or in-person bank withdrawal.
    • Interest accrues only on the outstanding balance, and you may arrange to have payments automatically deducted from your FirstBank business account. At FirstBank, we understand that each loan applicant has different needs.

    Cash Reserves

    We all need a little extra cash sometimes, so whether you are a consumer or a business, we offer small, unsecured Cash Reserves to protect your account from overdrafts. The Cash Reserve is a personal line of credit attached directly to your checking account. If your checking account runs short of available funds to cover transactions, funds are automatically advanced from the available credit in your Cash Reserve. Call us or visit us today for more information.

    Letters of Credit

    Performance letters of credit are issued as a bank guarantee for an obligation of the applicant. They can be needed under a variety of circumstances, including inducing the guarantee of delivery of goods or services or guarantee of a payment. Call or visit us today to learn more.

    Single Payment Loans

    Commercial single payment loans are made for a specific purpose or use. Often these are done on a short-term or bridge basis. These loans give you the ability to receive funds in advance with the repayment coming at a set future time.

    At FirstBank, we believe that every loan situation is unique, so we focus on listening to your ideas and coming up with the best solution. We provide one-on-one customer service that you just won’t find at larger institutions. Call or visit us today to learn more.

    Financing Options: Loans #college #loans

    #small business loan



    Accessing capital and locating funding can be the most difficult task of any company seeking to develop their product.  IEN specialists can work with your business to identify and secure financing opportunities and build a network of financial support that will meet your present needs and prepare you for future growth.

    • Advantage Illinois  – The Advantage Illinois program is designed to provide Illinois businesses and entrepreneurs with access to the capital they need to start new companies and expand existing business. The program is comprised of multiple programs to spur institutional lending, including Capital Access Program, Participation Loan Program-which includes a component for  Minority/Women/Disabled/Veteran-Owned businesses, and Collateral Support Program; and the Invest Illinois Venture Fund, which leverages private investments in start-ups and high-growth businesses.
  • The Department of Commerce CEO’s Community Development Fund – Part of the Neighborhood Recovery Initiative. starting in November and available until funds are depleted.  The Department of Commerce is partnering with financial institutions with strong small business lending backgrounds to distribute $5 million in micro loans to start-ups and existing small businesses through the Community Development Fund. More than 300 loans will likely be made to start-up and existing small businesses, which will lead to more than 800 jobs being created or retained over the next two years.
  • Community Service Block Grant (CSBG) Loan Program – The CSBG Loan Program is administered jointly by the Illinois Department of Commerce and Economic Opportunity, statewide Community Action Agencies (CAAs) and Illinois Ventures for Community Action (IVCA).  The Program provides long-term, fixed-rate financing to new or expanding small businesses in exchange for job creation and employment for low-income individuals. CSBG funds usually make up between 20-49% of the entire loan project and have a low interest rate of 5% to 7.5%.
  • Enterprise Zone Participation Loan Program (EZ/PLP) – The EZ/PLP is a variation of the conventional PLP Program, in that the Department of Commerce subordinates the loans through participating lending institutions, but  the EZ/PLP may be able to provide small businesses located in an enterprise zone a more attractive loan rate than a conventional PLP.
  • The Illinois Finance Authority (IFA) – The Illinois Finance Authority (IFA) is a self-financed, state authority principally engaged in issuing taxable and tax-exempt bonds, making loans, and investing capital for businesses, non-profit corporations, agriculture and local government units statewide. IFA finances about $3 billion each year, helping generate economic growth and job creation.
  • The Illinois State Treasurers Office – The Illinois State Treasurer’s Office offers programs that are designed to assist the Illinois business community by providing access to capital and financing at affordable rates in order to promote economic development activities that create and retain jobs within the state.
  • Manufacturing Modernization Loan Program – The Manufacturing Modernization Loan Program is designed to provide manufacturers with access to adequate and affordable financing for upgrading and modernizing their manufacturing equipment and operations. 

  • Find a Private Loan #guaranteed #loans #for #bad #credit

    #private loan

    Find a Private Loan

    For more than 30 years, Nelnet has helped students finance their education

    That’s why we’ve partnered with several reputable lenders to offer private student loans. These loans are for students needing to fill the gaps not met by federal financial aid, or who may be looking to refinance their student debt.


    Private undergraduate, graduate, and refinance loans offer a variety of benefits, including:

    • No loan origination, disbursement, or pre-payment fees
    • Low variable and fixed interest rate options
    • Interest rate reduction incentives
    • Available to U.S. citizens and permanent residents, as well as non-residents with eligible U.S. citizen or permanent resident co-signer
    • Co-signer release options for creditworthy borrowers
    • Loans serviced by private companies like Nelnet, a leading servicer for the U.S. Department of Education’s federal student loan program

    U-fi is a service mark of Nelnet, Inc. for products and services provided by Nelnet Consumer Finance, Inc. You should exhaust lower-cost federal borrowing options before turning to non-federal loans. You are, of course, not limited to seeking loans or other products from, and are free to obtain information and loans from all other providers of student loans and related products.

    To use Nelnet’s lender locator, first choose your loan type. If Private Loan is selected, begin typing the name of the school you currently attend or plan to attend in the field provided. Click the correct school name to view possible lenders. Once a lender’s name pops up, click Apply Now to get started.

    Financing Your Collector Car #grad #school #loans

    #classic car loans

    Lenders are making it easier than ever to get behind the wheel of your dream machine

    Contrary to what members of the general public must think, most enthusiasts don’t build their collections by cruising the big-dollar auctions in search of only the most perfect and desirable cars, throwing greenbacks around in front of the television cameras. No, the majority of us just don’t have that kind of a budget for our hobby, if we have a budget at all. With our modest disposable income, we buy restoration candidates rather than finished cars–sometimes because we get great satisfaction out of the work, but other times because there’s no other financially feasible way in. Or we may learn to love that rusty six-cylinder, four-door sedan, though we lust in our hearts for the pristine V-8-powered convertible that lies far beyond the reach of our savings accounts.

    Article continues after advertisement

    For most of the history of the collector-car hobby, that’s the way it’s been: Your choices have pretty much been shaped by the diameter of the bankroll in your pocket. But a growing number of collectors are turning to a new alternative, signing on the dotted line for loans of anywhere from five to 12 years to get into the driver’s seat of their dream cars right now. Over the past several years, a number of lenders have begun offering specialized collector-car financing, catering to the needs and interests of collector-car fans. You supply the good credit rating and your John Hancock, and they’ll do the rest.

    “Americans like to leverage their credit,” said Mark Schechter, vice president of Woodside Credit of Newport Beach, California, which advertises itself as the fastest-growing collector-car lender in the U.S. “There are far more people who can enjoy the hobby with attractive financing. It’s fun to support the hobby. We’ve seen it grow tremendously.” Since the company began offering loans in the summer of 2003, “it’s been good. We’ve grown tremendously year after year,” Schechter said.

    So, who’s doing the borrowing? The younger generation of car enthusiasts, apparently. “For older collectors, it was a cash hobby. They believe that if you can’t pay cash for something, you shouldn’t be in it,” said McKeel Hagerty, chief executive of Hagerty Classic Insurance of Traverse City, Michigan, which partnered with Woodside in July 2005, to offer financing to its customers. “People in their 30s and 40s are more comfortable making payments for everything, frankly. There seems to be a psychological difference.” Hagerty knows that at least 10 percent of the 500,000 vehicles his company currently insures are financed. “We know that it could be as high as 20 percent, and our guess is that the world is sort of changing.”

    Companies like Hagerty and Woodside were reacting not only to this perceived shift in the attitudes of the nation’s estimated 3 million to 4 million classic car fans, but to the general unavailability of loans for collector cars, as well. Generally, in the eyes of traditional lending institutions, cars are things that depreciate as they get older, which means that the older the car, the shorter the term and the higher the interest. In fact, many flatly refuse to consider loaning money for the purchase of any car more than eight or 10 years old. “If you call your local bank and say, ‘I want to finance a 1932 Chevy,’ they’re not going to have any idea of what it’s worth, so they’re probably going to say no,” said Mark Hyman, whose collector-car dealership, Hyman Ltd. Classic Cars of St. Louis, Missouri, sells about 300 cars a year. “Most local banks aren’t prepared to loan against vintage vehicles.” The exception seems to be the small, local bank that knows its customer well, and will consider making the loan on the customer’s ability to pay, rather than the market value of the car.

    Because banks so often say no, collectors who have needed to finance their purchases have generally turned to that great, gushing money fountain known as the home equity loan. Consumers have tapped the paper appreciation of their homes’ values to pay for everything from plasma TVs to laser eye surgery, so why not the occasional De Soto or Thunderbird? “Initially, business was quite slow,” Hagerty said. “We’re all fighting against the almost free money that everybody’s been given in the form of equity in their homes over the past few years. As interest rates have started fluctuating back up and getting more, shall we say, sober, we feel that the time is right for this (collector car) product moving forward.”

    Home equity loans can offer attractive interest rates, as well as the benefit of tax-deductible interest. There are drawbacks, too. Using a home equity loan to buy a car ties up funds that might otherwise be used for a kitchen remodeling or other project that would add value back into the home. Then there’s the wisdom of using your greatest asset, your home, as collateral for your hobby. Default on a car loan, and the car is at risk; default on your home equity loan, and things get more serious. And home equity loans are often at a variable rate, compared to the fixed rate, simple interest loans that classic car lenders offer.

    The kinds of cars these companies are writing paper for might surprise you. Though all offer loans of a half-million dollars or more, the average loan is solidly in five-figure territory. Hagerty estimated that most of his company’s loans are in the $30,000-$100,000 range; Albert Maranda, finance manager of J.J. Best Banc Co. of New Bedford, Massachusetts, one of the country’s leading classic lenders, puts the average amount at $20,000. In fact, J.J. Best and Classic Car Financial of Bedford, New Hampshire, will be happy to make loans of as little as $6,000, while Capital One Auto Finance of Plano, Texas, sets its minimum loan at $7,500. For Hagerty and Woodside, the minimum loan is $10,000.

    Lenders are comfortable offering generously long terms, up to 12 years in the case of Woodside, Hagerty and J.J. Best. Why? Because, generally speaking, these companies know that collector cars increase in value over time, reducing the risk in lending. “A $50,000 loan with Woodside is $600 per month, because of the long term,” Schechter said. He noted that Woodside’s founder, Roger Kirwan, pioneered this type of loan in 1980, helping customers buy recreational vehicles with loans of up to 25 years. The extended terms don’t mean that borrowers are keeping their cars 12 years; because there’s no prepayment penalty, borrowers can sell their cars at any time and pay off the loan. Naturally, rates tend to vary from lender to lender. We heard quotes of 7 percent to 9.7 percent, depending on the health of the applicant’s credit, so it may pay to call around. Required down payments vary, too, from zero to 20 percent. Loans are made on a simple interest basis, so borrowers pay interest only on the outstanding amount, calculated each month. For a $25,000 loan at 8.2 percent interest over five years, for instance, the monthly payment works out to $510.33.

    One thing you will find does not vary is the lenders’ insistence that all financed cars be titled and fully insured. In fact, J.J. Best’s Maranda noted that most repossessions occur not because the borrower has fallen behind in the payments, but because the owner hoped to avoid sales tax, and failed to have the car titled. Lenders need to be recorded as lien holders on the titles to protect their investments.

    Most lenders will want to have a look at the car, at least to be certain that its VIN matches its title. J.J. Best employs a nationwide company whose inspectors verify each VIN, take photos, and even start and run the car. Woodside, which works primarily through collector-car dealers, expects them to vouch for the cars they’re selling. Buyers may be asked to have the car appraised, if its value deviates too much from the norm, but the cost of the appraisal can generally be built into the loan.

    One caution: If you’re calling to ask for a loan to buy that decrepit Duesenberg your aged neighbor has finally agreed to sell, you may hear crickets chirping on the other end of the line. Neither Woodside nor Hagerty offers loans for restoration projects, although Hagerty is considering entering that business. J.J. Best will consider financing a project, with a number of caveats. “When it comes to something like that, credit is very important to us,” Maranda said. No one wants to see a project stall halfway through; “It’s very hard to repossess pieces,” he said. There are alternative ways to finance a project, though; for example, short-term, interest-only loans can cover until the car is completed, at which time they can be paid off through a collector-car loan.

    Nor is every car eligible for financing. Take a late-model Corvette, for instance. If every driver in the house has his or her own car, and the Corvette is only to be used for pleasure driving, it’s likely to qualify. But if it’s the only vehicle in the household, or will be in use as a daily driver, the answer is going to be no.

    There’s never been a better time to be involved in the classic-car hobby, and ownership of an older, interesting car has never been easier. Collector-car financing is yet another entry point into this wonderful hobby of ours. Only you know if it’s the right doorway for you.

    J.J. Best Banc Co.

    60 North Water Street

    New Bedford, Massachusetts 02740


    Hagerty Finance

    141 River’s Edge Drive, #200

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    Financing Your First Investment Property

    Advertiser Disclosure October 17, 2013 by Gerri Detweiler

    When it comes to buying a real estate investment property, the first deal is the hardest. I know this from personal experience. I kept talking about buying a rental property for several years until my husband finally took the initiative, found a property, and made me buy it. From a hotel room in Texas, where I was staying on business, I nervously signed a contract and committed myself to buying a bread and butter house in Florida. Thanks to rising real estate values, the house has appreciated substantially leaving me to wish I had bought ten more!

    I know that financing your first investment property can be daunting. It scared me and I have a mortgage broker s license, for heaven s sake! But as they say, it s usually the things we don t do that we regret later in life. So if concerns about financing your first property are stopping you from getting started, here are some tips:

    Check your credit  early for mistakes and items you may need to address. Once you review your credit report. do not take any drastic action without first consulting with an expert. In particular, don t close old accounts or pay off collection accounts right before trying to get a loan. Either action may hurt your credit score rather than help it.

    If you are not eligible for a loan based on your credit or other qualifications, look for an investor partner to go in on the property with you. There are many others out there wishing they owned more real estate who lack the time and/or expertise to find and buy property. There are also hard money or private loans for good deals. The interest rates are high but can be worth it if you can refinance or sell the property in a relatively short period of time.

    Decide What You Are Buying

    All things being equal, second homes may offer better financing, but it will depend on where the property is located and what you intend to do with it. Talk with your tax advisor about how you plan to use the property to decide whether it would be better to buy a second home or an investment property. I am not a fan of stretching the truth on applications. If you are buying an investment property, call it what it is. Whatever you do, don t buy a property where someone talks you into saying you will live in it when you won t. There are illegal scams that solicit straw buyers, and these can get you into hot water.

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    Understand the Numbers

    Investors have different goals. Some want to buy a rehab property, fix it up, and sell it quickly for a big profit. Others specialize in pre-construction, which means they put a contract on a home or condo in a development before it is built and then sell it for a profit, sometimes before they complete the purchase! Others will buy a home they can rent out, and are happy to break even or make just a little money each month, expecting appreciation to be the pay off. Still others want to buy a vacation home in an area they want to visit. They may use it from time to time and rent it out the rest of the year for a profit. Whichever approach you decide to take, make sure you understand the numbers, including the cost of financing, a down payment, advisor fees, repairs, etc. Be realistic about whether you can afford to make the mortgage payments for as long as it may take to find a buyer or a tenant.

    Now that you see the possibilities, here are the steps you will want to take to make things move smoothly:

    1. Gather Your Paperwork

    Be prepared to provide copies of: two month s worth of your bank statements, investment account, and retirement account statements (all pages; not Internet statements); the last two pay stubs if you have a regular paycheck job; driver s license and Social Security card; and bankruptcy, divorce or separation papers, if applicable. If you are self-employed, you may be asked for some or all of the following: business license or occupational license, letter from your CPA establishing two years self-employment, last two year s tax returns, business bank statements, and/or business financial statements.

    2. Assemble Your Team

    You will want an accountant who understands investment property tax strategies; a realtor or real estate attorney who can help you make sure you use the properly worded contract and include the right contingencies; a mortgage professional with experience in investment properties; an attorney who understands asset protection to help you form the right structure for holding your investment property (often a limited liability company or LLC); and an experienced insurance agent. I strongly believe all of these professionals should invest in real estate themselves since investment property transactions have special nuances.

    Advisors with investment property experience can help identify potential problems before they happen. One of the big ones: holding investment property in your own name, warns Rich Dad Advisor Garrett Sutton, an attorney and author of Own Your Own Corporation (Warner) How to Use Limited Liability Companies and Limited Partnerships (SuccessDNA). By doing so, you expose your real estate and personal assets if a lawsuit arises.

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    3. Get Pre-Approved

    Before you start house-hunting, get pre-approved for a loan  through a mortgage broker or lender, and request it in writing. That piece of paper can be very helpful when you negotiate the purchase of a property since it gives the buyer greater assurance that you won t tie up the deal and not qualify.

    Now it s time to dive in! You ve heard of analysis paralysis? It s a disease I, and many other would-be investors, suffer from. Fortunately, I have a spouse who drags me out of it from time to time. While you don t want to dive in blindly, if you have done your homework and have found a good deal, at some point you have to just go for it. If you can t seem to take the plunge, ask financial advisors to help you make progress, get involved with your local real estate investment club, or find an investor who can act as a sounding board.

    The biggest deadly deal disaster of all is hiding behind analysis because you are afraid to pull the trigger on the deal, warns Peter Conti, author of The Real Estate Fast Track: How to Build a $5,000 to $50,000 per Month Real Estate Cash Flow. At a certain point as an investor you will need to step forward in the deal and commit.

    To learn more about mortgages and the home-buying and financing process, read more from our experts by visiting our Mortgage Learning Center .

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    Hi Scott

    Thanks for the reply. Yes, I am going to decide upfront what the occupancy is.