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What Is Considered High Interest on a Car Loan?


#interest rate on car loan
#

Other People Are Reading

Economic Conditions

The state of the economy will drive interest rates up and down. This includes interest rates on car loans. Rates can be affected by the national economy but also by state and local economies as well. To understand whether or not the rate you are being charged is high or just a result of a bad economy, you need to compare the rate to what other places are offering.

Credit

You credit score will be a big factor in what interest rate you will be offered for a car loan. If your credit is poor, you will be charged a higher interest rate than if you had excellent credit. Even with poor credit, you will find some variances in the loan rates. CardownLoan.com recommends being very cautious if you are being charged more than 12 percent for a car loan and you have bad credit. Before seeking a car loan, you should check your credit score to get an idea as to whether you will be charged a higher rate or not.

New vs. Used

You will also find differences between rates offered for new and used cars. Don t expect the rate on a used car loan to be as low as that of a new car, particularly when some car manufacturers off zero percent rates on new car financing from time to time. When comparing the rate you are offered, compare it to the same type of car loan (new to new, used to used). This will show you if there is a discrepancy between your rate and what is offered elsewhere.

Average Rates

It is impossible to calculate an average car loan rate and have it be of any use when you go to buy a car. However, CardownLoan.com says that you should expect a new car loan of 4 to 7 percent if you have good credit. If you are being quoted a rate higher than this range and you have good credit, you are looking at a high rate. Some in-house financing for cars may go as high as 20 to 28 percent, which is a very high rate.



What Is the Difference Between a Cash Advance – a Payday Loan?


#advance payday loans
#

Other People Are Reading

Credit Score Required

A payday loan typically does not require any type of credit check to authorize the loan. You only need to have a checking account so you can write a post-dated check to secure the loan. On the other hand, if you want to get a credit card cash advance, you need to have a credit card first. You can either use a card you already have or apply for a new one. All credit card companies check your credit score when you apply and only issue credit cards to people who meet their credit standards, which vary from one company to another.

Costs

The fee to get a payday loan is usually about $15 per every $100 you borrow for two weeks. If you roll over the loan, you have to pay the fee all over again. Therefore, if you keep rolling over the payday loan for a year, you will pay the equivalent of more than 300 percent interest. A credit card cash advance usually charges a fee of 1 to 4 percent of the amount advanced. Sometimes there might be a flat minimum fee. If the cash advance is through an ATM, there is likely an ATM fee of a few dollars. In addition, the borrower pays interest on the balance each month, usually at a rate a few percent higher than regular credit card purchases. According to Smart Money, most credit card cash advances charge 20 to 25 percent interest annually.

Repayment Schedule

When you take out a payday loan, you must repay it in full very soon, usually within two weeks. If you cannot repay it, you must pay the charges again to roll over the loan for another two weeks. Some states have laws that require payday lenders to work out an installment schedule to stretch out the repayment. With a credit card cash advance, on the other hand, you only have to pay the minimum credit card payment, which factors in the amount of the cash advance and any other draw on the line of credit. You can pay more than the minimum if you would like to pay it back sooner, but in general it is much easier to meet the repayment schedule for a credit card cash advance than a payday loan.

Which is Better?

The better type of borrowing depends on your situation. If you already have a credit card with available credit, a credit card cash advance offers a lower long-term interest rate and low monthly payments. If you do not have a credit card and do not think you will be able to get one fast enough, a payday loan offers a quick solution and moderate fees if you pay it back right away. However, if you do not expect to be able to pay back a payday loan in two weeks, carrying it over can be far more expensive than paying interest on a credit card cash advance.



Reverse Mortgage Calculator


#calculator mortgage
#

How Much Money Can You Qualify For On A Reverse Mortgage?

Use Our Calculator to Find Out!

Results

Learn how to qualify for this amount by filling out our free consultation form and connecting with a trained loan officer today.

Age: Enter your age, or the age of the youngest borrower on the sliding scale. One person on title to the home must be at least 62 years of age to qualify for a reverse mortgage. With this type of loan, the older you are, the more money you will be able to access.

Home Value: Enter your home’s value on the sliding scale. You don’t need to know the exact amount, an estimated value will provide you with an idea of how much you may qualify for. Once you start on the reverse loan process, an appraisal will be done on your home.

Lien Amount: Enter the amount you still owe on your current mortgage. As with the previous figure, this can be an estimated value.

Once you enter your answers into the reverse mortgage calculator, you will be given a snapshot of how much cash you qualify for. To continue, click the “Get Qualified Today” button to fill out our more comprehensive form. The form is a no-obligation tool that your loan officer will use to better estimate how much you qualify for. Once complete, one of our experienced loan officers will contact you and provide you with more information regarding the loan process. You can review the basic steps of obtaining a reverse mortgage on the Process page.

The amount of money you receive from a reverse mortgage loan can be used however you would like. With this type of loan you are simply borrowing from your home’s equity. One major advantage of a reverse mortgage is that you will no longer need to make monthly mortgage payments. Staying current on taxes and insurance are your only financial obligations.

As far as receiving the cash, you have a few disbursement options. First, you can choose to have the amount you qualify for given in a lump sum. Another option is to set up a line of credit, which gives you flexibility as far as when and how you spend. You can also elect to receive monthly payments. Lastly, you can choose to receive the amount you borrow in any combination of the three options listed above.



Reviews – Legit or Scam?


#easy loan
#

TheEasyLoanSite.com Reviews

About TheEasyLoanSite.com

The Easy Loan Site, located online at TheEasyLoanSite.com, is a website dedicated to helping people find a professional lender that will provide them with a loan that will fit their specific needs.

TheEasyLoanSite.com is intended to help customers who are interested in a loan for purchasing a home, or loans regarding home refinancing, a cash out refinance, or home equity.

When using this website matching service to find a lender for you, you only need to fill out your information online once, and all your information will be dispersed to potential lenders who can provide you with loan quotes.

You will need to tell TheEasyLoanSite.com what type of loan you are looking for, your credit score, the type of residence you are dealing with, the property value, and a variety of other specific pieces of information to help them find your best loan.

Once you ve submitted your information, lenders will assess your information and then provide you with a variety of loan quotes which will primarily be delivered by follow up phone calls or emails from lending agencies.

These lenders are supposed to contact you within 48 hours or less, but always remember that you are under no obligation to talk with any lenders or to accept any loan terms unless you are completely comfortable.

The Easy Loan Site is completely free for you to use, and they claim to only work with lenders that have proven themselves legitimate and have established themselves within the lending community.

If you have any experience with this website, please leave your TheEasyLoanSite.com reviews below.



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#loan online
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Ripoff Report


#payday loan yes
#

Don’t let them get away with it! Let the truth be known!

  • Update a Report
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  • Consumer Resources
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  • Consumers Say Thank You
  • In the Media Repair your reputation the right way Corporate Advocacy Program

Reputation Management

Corporate Advocacy Program

This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

Consumers love to do business with someone that can admit mistakes and state how they made improvements.



Ripoff Report


#city loan
#

Don’t let them get away with it! Let the truth be known!

  • Update a Report
  • Program Services
  • Help FAQs
  • Consumer Resources
  • Verified Business Directory
  • Legal Directory
  • Consumers Say Thank You
  • In the Media Repair your reputation the right way Corporate Advocacy Program

Reputation Management

Corporate Advocacy Program

This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

Consumers love to do business with someone that can admit mistakes and state how they made improvements.



1 %3f20872jw%3dInstant Loans Speedy Cash Loans No Fax!


#loans online
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%3f20872jw%3dInstant Loans ★★★★★ %3f20872jw%3dInstant Loans 3 Month Payday Loans – For a Short Span of Time Are you wandering for advances that firstly contain no amount of risk that is they are totally safe and secondly which are meant for a short span of time? A re you having some difficulty in finding the right lender and other such similar problems? Well if yes is your current an d final reply and if you seriously need some kind of help in the whole sanction procedure then there is no need for yo u to put in any more efforts or search anywhere else because 3 month payday loans are here to grant all your wishes and t hus make your whole journey right from step 1 very easy and simple. These kinds of advances are very advantageous to all the residents of usa who are looking for the advances that will easily fit in their puzzle pieces. Thes e advances offer to you an amazing and risk free package which contains everything as per your needs and demands. This package contains a sufficient amount of cash which normally ranges from 80 to even 1,500 and the time period w hich is set for the repayment is also between 1 to 30 days. Due to this package the whole advances are quiet risk free. This mostly is because of the time period which is set for a shorter duration. Due to all this you will be completely safe and penalty free. The borrower should also know that if he or she is incapable to pay the whole amount to the respective bank or lender in other words then the borrower will be charged with a penalty fee which in turn might prove to be quiet expensive or unaffordable. To avoid this, the borrower is requested to pay the whole borrowed amount back to the lender within the given time period. In 3 month payday loans the borrower must also know that he or she will be given these advances only if they fulfil all the wants and conditions that are so ask ed by the lender. The qualifications that are usually asked by the lender include that the borrower must have a bank acc ount which is properly maintained and accounted for plus the borrower must be a resident of usa. It is also necessary for the borrower to be of age and plus earn a fixed amount of salary. The borrower can also get a helping hand in the whole procedure or can also sanction these advances from online.

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%3f20872jw%3dInstant Loans %3f20872jw%3dInstant Loans %3f20872jw%3dInstant Loans Payday Loans without Teletrack: Advance cash by Jonesh Taylor Financial problems are the big problems in everyone?s life. If you want to live a hassle free life then you need cash. No doubt, cash is the main thing in the life. If you don?t have ready cash, then lacking of the cash grows your misery. you ask your friends, relatives, and fa mily members. However, in the time of cash need all the sources are failed. The miseries are increased when you found y our financial history bad. Because the lenders or loan lending companies are using teletrack system. Still you have an option that can make your life hassle free and free from all the financial problems. Payday loans without teletrack are the source of hassle free cash. When all the sources of the cash are failed, payday loans without teletrack start from there. Payday loans without teletrack can make you free from all the debt that you have from your relatives, friends and family members. Payday loans without teletrack are easy to avail. You are to search over internet, select the right lender and read the terms and the conditions of the selected lender carefully. After all this process, you are to fill up an online application form and after verification; the cash will be in your account within few h ours. You are to fill up few details as your age must be more than 18 years, your salary must be more than $1000/monthly and you must have an active checking account. If all the above mentioned requirements are in your pocket then the no teletrack payday loans cash will be in your anot her pocket. Applying for a no teletrack payday loan can be done online over the Internet. You can check the terms and conditions that the loan company displays in their website. Make sure that they require no teletrack as part of the verifi cation process. Usually if teletrack is required, they will clearly print it in the website to warn the potential borrowers of the qualification process. The advantages of the payday loans without teletrack are that there is no requirement of checking the credit history of the borrower. Therefore, payday loans without teletrack are the great advantage for the bad credit history borrowers. You can get upto $1500. Rate of interest is higher than other loan because payday loans without teletrack are short-term loans. the repayment process is for 20 days maximum.Jonesh Taylor has done his master in finance and now he is expert in finance and insurance. No teletrack payday loans 4u to find Internet Payday Loans, No Credit Check Unemployed Loans Payday Loans, Payday Loans without Teletrack, No Teletrack Cash Advance Loans visit

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Ripoff Report


#unsecured loans
#

Don’t let them get away with it! Let the truth be known!

  • Update a Report
  • Program Services
  • Help FAQs
  • Consumer Resources
  • Verified Business Directory
  • Legal Directory
  • Consumers Say Thank You
  • In the Media Repair your reputation the right way Corporate Advocacy Program

Reputation Management

Corporate Advocacy Program

This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

Consumers love to do business with someone that can admit mistakes and state how they made improvements.



1 Hour Loans- Get Bad Credit Short Term Same Day Cash Today


#one hour loans
#

Welcome to 1 Hour Loans!

What can be done in an hour? You can get funds issued for emergency needs. Through us at 1 Hour Loans you can find an appropriate loan solution. Unforeseen exigencies bothering you mid or end of the month can be settled with great ease. Loans are now at your fingertips so why wait! Apply here and we will meet you with the right lender.

From the offered range of loan services the loan seeker can independently choose loans considering prevailing demands. Application hassles are much less here which in turn helps in settling the loan money in no time.

Loan providers here focus on fulfilling the short term needs of the crisis stricken borrower. You are advised here to read the fine print of loan details before signing in the loan agreement. This is because once submitted the loan application cannot amended further by the borrower. It would be better for you to determine whether or not you can afford such funds beforehand.

1 Hour Loans privilege the borrower to obtain funds even with poor credits in disguise of bad credit loans Canada. Bad credits like arrears, defaults, insolvency, bankruptcy, foreclosure, missed payments, late payments, CCJs etc are all accepted here. Besides, short term no credit check loans are issued by the lender here without conducting credit verification.

You must go through well the renewal policy where the underlying conditions to renew the loan agreement have been mentioned. Notably loan extensions, rollovers and renewals are possible only with additional payment of fees and interests. If you are double minded about repaying loans, then you must consult the lender directly. In such matters, the lender may freeze fee and interest imposed on you and may permit you to refund with accrued additional fees and interests.

Impact of delayed repayment or non payment may prove fatal for your credit scores. This in future will make accessing funds impossible for you. On the flip side for on time repayment the loan seeker will surely get good credit rewards from the concerning lender.

Through us you can borrow favorable funds in absolutely unsecured way. We don’t stipulate how and where you should use the obtained sum of loans. Apply at 1 Hour Loans and take home loans speedily.

  • Low Credit OK
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Ripoff Report


#citifinancial loans
#

Don’t let them get away with it! Let the truth be known!

  • Update a Report
  • Program Services
  • Help FAQs
  • Consumer Resources
  • Verified Business Directory
  • Legal Directory
  • Consumers Say Thank You
  • In the Media Repair your reputation the right way Corporate Advocacy Program

Reputation Management

Corporate Advocacy Program

This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

Consumers love to do business with someone that can admit mistakes and state how they made improvements.



1 List of Legal & Reliable Licensed Money Lenders in Singapore


#money lenders
#

No obligation! Apply now and get quick approval!

Terms and Conditions

Only 21 years old and above is eligible for loan application.

To preserve the confidentiality of all information you provide to us we maintain the following Privacy Principles.

We only collect personal information that we believe to be relevant and required to understand your financial needs.

By clicking “Submit” and providing your personal data, you consent to Credit Hub Capital contacting you via the telephone and email for the loan application purpose.

We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

We have established strict confidentiality standards for safeguarding information on our customers.

Credit Hub Capital will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

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Ripoff Report


#one hour loans
#

Don’t let them get away with it! Let the truth be known!

  • Update a Report
  • Program Services
  • Help FAQs
  • Consumer Resources
  • Verified Business Directory
  • Legal Directory
  • Consumers Say Thank You
  • In the Media Repair your reputation the right way Corporate Advocacy Program

Reputation Management

Corporate Advocacy Program

This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

Consumers love to do business with someone that can admit mistakes and state how they made improvements.



1K-$10K Unsecured Personal Signature Loans – Bad Credit in Chicago, IL


#personal loans for bad credit
#

$1K-$10K Unsecured Personal Signature Loans Bad Credit in Chicago, IL

We are doing a four set publication on unsecured personal loans for applicants who have bad credit, and all live in the greater Chicago area of Illinois. Because of the unique separation of neighborhoods and areas in Chicago, we can break down the service areas of all lenders involved in these loans, and the borrowers who applied for the notes.

By using the Kennedy Expressway (Interstate 90/94) and Highway 41, running along Lake Michigan we can cordon off the lending service area we used in the $2500 unsecured loan which was borrowed over a three month term. Then, stretching out from Chicago, we can take another section South of the Kennedy Expressway, and North of Dwight D. Eisenhower Expressway (Interstate 290) where we chose a borrower s transaction in the Oak Park area of Chicago. As you can see by the table this borrower borrowed $5500 for a six month term.

Then we simply move on to the third applicant who borrowed $6000 in unsecured cash for a nine month term, coming from another cordoned off area of greater Chicago, between Dwight D. Eisenhower Expressway and Interstate 55 (Stevenson Expressway). For the fourth loan we moved to a borrower in the Tinley Park and Orland Park of South Chicago. This is a vast area of lending activity all stretching from the Chicago Midway International Airport, down and through to the Lake Michigan West shore and the Western border of Indiana, which includes Calumet City, Hammond, Lansing, Park Forest, Harvey, and Tinley Park.

The numerous lenders for these areas of Chicago are very busy considering different loan applications and different customers for inclusion in their lending programs, and are constantly evaluating the viability of lending money to people who have bad credit. They have to take into account the applicant s employment, DTI, FICO score, and recent credit history. None of these loans are payday loans they are all unsecured personal loans under $10,000, and all of these applicants were approved for funding and were funded within two weeks of applying. Every one of these applicants used our pre-application process to find lenders in the Chicago area who do business with customers who have poor credit scores.

As with all of our city-based lending publications, we have endeavored to present lenders and borrowers from all areas surrounding Chicago, and also included is a lender/borrower transaction that took place right near the downtown Chicago area.

We have used the same imagery as in previous publications to show the general area in which the borrower is living. We have protected each borrower s identity, and we only use information garnished with permission from all lenders and borrowers involved in the following loans. We have kept the increment of $500 in loan amounts for the different service areas. Each table shows what the average mean loan amounts approved by the lender mentioned in the approved loan we used respectively.

$2500 Bad Credit Unsecured Personal Signature Loan in Downtown Chicago

Our first loan is for $2500 and it was an unsecured cash loan that was applied for by a 28 year old man living in the Oakwood Apartments on W. Huron St. in Chicago. He is sharing rent with three other roommates who all work in downtown Chicago and commute from Madison, Rockford, and Davenport Illinois.

This particular borrower grew up in Joliet and is an engineer currently working for a company that has its main offices located not far from Printer s Row. He needed to borrow $2500 for a family emergency which he didn t fully disclose in his pre-application, and we should add that it is not necessary to provide absolute detail on the purpose of a loan . because most of these loans would have to be considered all purpose loans.

All of this customer s personal accounts are with the Chicago Community Bank on W. Jackson Blvd. and his accounts have been with this bank for over five years. When he applied to get his Visa card limit raised he was declined, and he didn t have any kind of option in regards to a home-equity loan because he didn t have any property in his name at the time of application.

So after he was declined by his bank he tried the Amalgamated Bank of Chicago to see if he could get a line of credit, a new credit card, or perhaps a personal loan. This endeavor proved to be a failure as well, and he was at that point considering asking a friend, colleague, or family member for a low interest loan. He decided to keep on trucking, and tried applying with the First Merit Bank on N. Clark St. also in downtown Chicago.

After all three of these attempts failed (getting approved for a small credit amount of $2500) he decided to try finding lenders who specifically lend money to people who have bad credit lenders that specialize in lending money to people who have really bad credit scores, and have reasonable interest rates for consumers who are trying to start over and rebuild their credit. Most of what he found on the Internet was half-baked predatory lending institutions who prey on the unfortunate minority (and growing) who have somehow ended up in a tight financial situation.

The first loan that we have discussed here in downtown Chicago, was finalized with an APR of 11.72%, with the lender getting repaid a total amount of $2548.82 over a three month term. The final payment on the loan was $34.41, and the total interest made by the lender was a paltry $48.80. As with most lenders, the lender in this example works on high volumes in order to create as much profit as possible, and their focus of clientele is mostly based in the North Chicago area, stretching from downtown, and all the way up through Ravenswood Gardens, Wildwood, Lincolnwood, Evanston, Glenview, Mount Prospect, Wilmette, Northfield, Northbrook, Buffalo Grove, Barrington, Arlington Heights, Prospect Heights, McHenry, and Crystal Lake.



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If you are facing a tough financial situation perhaps loss of a job or unexpected medical bills Advantage Financial Services is here to help restore peace of mind to your daily life. Our $2,500 loan can often serve as a second paycheck for many of our clients, and this extra cash is many times exactly what they need to get back on their feet.

If having a second paycheck each month could help lighten your financial burden, we invite you to apply online for our $2,500 cash loan or another loan increment up to $5000. Our application is safe and secure, and by applying today, you can often have cash in your account in just 24 hours. It s fast cash when you need it most! Please contact us with any questions.



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3 Tips to Get Guaranteed Private Student Loans with Bad Credit

Guaranteed private student loans are less expensive than loans without a guaranty. A guaranty is simply a promise from another organization, typically the federal government, to purchase the loan from a lender if you default. Most loan guarantees are given to creditworthy applicants only. However, if you have bad credit, there are a few options that may still make you eligible for a guaranty, despite your poor financial record.

#1 Provide Written Explanation

Whenever you have bad credit, it is important to point to a specific cause of that negative report. Simply mismanaging your finances will not be a good reason for a future lender to trust you. Alternately, if you have had an illness or emergency, a lender may be sympathetic to the causes of missed payments in the past. For many students, the cause of low credit is a short credit history instead of missed payments. You can explain these circumstances to a lender with a short written explanation. Submitting this along with your loan application will show a lender you are aware of the issue and have taken steps to correct it. Above all, the lender wants to see you are no longer under the pressures that caused you to previously miss payments on your credit history. Once a private lender accepts your loan, then you can submit the same documents to a service that will guaranty your loan.

#2 Seek Need Based Loans

The federal government does give need based loans to students who are economically disadvantaged. Even with these loans, though, the borrower should show he or she is creditworthy. Since the loans are going to needy people, the government may be more understanding of issues that result from economic disadvantages. Be sure to highlight your disadvantages in your application. You can have a private loan guaranteed by the government based on your need, just as easily as your credit score.

The basic criteria for any loan guaranty are that you are able to locate a private lender to fund your loan. In order to do so with bad credit, you may need to get creative with your loan application. Using collateral, like a savings account or hard asset, may provide a lender more confidence in your ability to pay the loan. You can also borrow the good credit of a close associate or relative by using him or her as a cosigner. Again, you will need to apply separately for the loan guaranty and meet the qualifications of the guaranteeing institution. However, the same rules generally apply here as do with a private loan: provide assurance against default and credit becomes less important.



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3 Benefits of Making Interest-Only Student Loan Payments

Budgeting for interest-only payments while still in school can save borrowers money on their total student loan balance.

For many college students, borrowing student loans means they’ll be paying back principal and interest. According to the College Board, in 2012-2013 alone, more than 7 million students took out federal unsubsidized Stafford loans. a type of loan where the borrower is responsible for all accrued interest.

Interest starts to accrue on unsubsidized Stafford loans from the time they’re first disbursed. At the end of the grace period. the six months between the time a student leaves school and the first payment, the accrued interest is capitalized. This means it’s added to the principal balance and interest then starts to accrue on the new, larger balance.

Unsubsidized loan payments can be deferred until the borrower graduates or his or her course load drops below half-time, and most students choose to skip making payments while in school. But the Student Loan Ranger thinks students should still try to squeeze a loan payment into their limited budget – by paying just the loans’ interest. There are three reasons why.

1. You will save money: Let’s say you attended a one-year vocational program and took out a federal unsubsidized Stafford loan for $5,000 at a 3.9 percent interest rate. According to the Cost of Interest Capitalization Calculator over at FinAid.org, if you deferred principal and interest for 18 months, which equals the time you were in school plus the six-month grace period, the new loan balance would be $5,300.72 with accrued interest.

With the interest capitalization, under the standard 120-payment plan, after you got out of school you would pay $53.42 monthly, for a total payment of $6,410.40

If you instead opted to make interest-only payments while you were in school and during the grace period, you’d pay $16.25 a month over 18 months for a total of $292.50. Then, when your regular payments of principal and interest kicked in, your monthly payment would be $50.39 for 10 years, for a total of $6,046.80.

Combined with the $292 you already paid in interest, that means the total amount paid back would be approximately $6,339, or about $71 less than you would pay if you allowed the interest to capitalize.

2. You will develop good habits: Often, borrowers fall behind in their student loan payments because they miss the first one due after their grace period ends. Delinquency can increase the amount you owe through late fees – although most federal student loans currently don’t charge late fees, federal regulations do authorize up to 6 cents for each dollar of each installment past 15 days late.

Delinquency is also the first step toward default. However, if you align your interest-only payments with what will be your regular due date, you’ll get in the habit of parting with some money at that time.

In addition, you’ll already have a dedicated line in your budget for your student loan payments. You’ll likely have to increase that amount once your payments actually come due, however you won’t bust your budget with a student loan surprise. You’ll know that amount is coming, and you’ll hopefully plan for it by increasing your payments or decreasing your other expenses in advance.

As a bonus, you can also get a head start on automating your payments. Automatic debit is a great option for keeping your loan payments on track.

In addition, some lenders will even decrease your interest rate for choosing this option. You just need to remember to update the amount you pay each month once your grace period ends; the rest will take care of itself.

3. You will feel great: If you’re a student, you may feel like there’s not a lot you can control in your life. You can stop your student loans from feeding into that.

You can take control of your debt in many different ways, like choosing a repayment schedule that works for you. Making early payments and chipping away at that debt is another way to take charge of your money and feel like you can conquer everything the real world will throw at you after graduation.



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    4 good reasons to borrow from your 401(k)


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    4 reasons to take out a 401(k) loan

    1 of 6

    Taking out a 401(k) loan is like cutting off your own limb. Most advisers would call it an act of fiscal insanity, unless you’re genuinely trapped with no other financial lifeline available.

    “Many people don’t have enough saved for retirement in the first place, and when they take their 401(k) out of the equation and borrow the money — typically up to 50 percent of their balance — then that money is no longer working for their retirement needs,” says financial planner Bob Mecca, president of Robert A. Mecca Associates in Prospect, Ill. “And the money is no longer growing, compounded and tax-deferred.”

    Of course, it’s best to avoid such a moment of desperation in the first place. Having an adequate emergency fund in reserve is a good way to steer clear. But let’s say you’re out of cash and you seem to be out of options for acquiring what you need. In this short list of scenarios, a retirement account loan might make sense.



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    4 Things to Think About When Refinancing Student Loans – US News


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    4 Things to Think About When Refinancing Student Loans

    The lure of lower interest rates is just part of the picture.

    ​If you want to take out a student loan. you need to sign a promissory note. This is essentially a contract. By signing it, you promise to repay the amount you owe plus interest, among other terms and conditions.

    Students often sign their promissory notes without thinking too much about this promise. Of course, when they go from borrowing that money to actually repaying it. their point of view often shifts. Their goal becomes changing the previously agreed-to terms, especially that interest rate increasing the amount they owe.

    Seemingly, the most straightforward way to do this is refinancing the loan at a lower interest rate. A lower rate means less interest, which sounds great. However, it’s far from the only consideration when refinancing. Here are four others to know.

    1. There is no federal refinancing. Congress sets the interest rate for federal student loans, and most of these rates are fixed by law, no matter how solid your credit or income becomes postgraduation.

    You may be able to refinance your federal student loans into a private loan. The same goes for refinancing a private loan into a new private loan, too. However, you cannot refinance federal or private student loans into a federal loan.

    Some legislators have proposed making this an option. but it does not currently exist. You may think you’re doing this by consolidating your federal student loans, but that’s not the case.

    2. Consolidation and refinancing are different. Many borrowers think consolidating their loans will lower their interest rate the same way that refinancing would. This confusion is common because these options are similar: Both replace your old loans with a new loan with new terms. However, a federal loan consolidation won’t lower your interest rate, even if it seems like it did.

    Federal consolidation loan interest rates are the weighted average of the interest rates of their underlying loans, rounded up to the nearest one-eighth of a percent. The result is a rate that may be likely lower for some of your previous loans, while also being higher for others. In short, the weighted average means that things mostly just balance out.

    Consolidation has its benefits. For instance, you can choose the servicer you wish to work with, as well as potentially qualify for additional repayment and forgiveness options. But you won’t get a lower interest rate.

    3. Refinancing will change your loan’s terms. When you refinance a loan, your interest rate may decrease, depending in part on your credit score or whether you have a cosigner. That drop is the large font headline for choosing this option. However, other changes are in the fine print.

    As mentioned above, a refinanced loan is a new loan, with new terms and new conditions. That means your new, low interest rate could increase. It also means your old loans go away. And the latter is important with federal student loans.

    Federal student loans come with protections that can help you if you’re struggling with your payments. You may be able to use repayment plans that decrease these amounts or put them on pause altogether.

    You also may qualify to have loans forgiven under certain criteria. Most private loans do not offer options like these, and once you replace your federal loans with a private loan, you cannot move or consolidate the loan back into a federal loan to get these benefits.

    Postponements and forgiveness may not seem as important as slicing your interest rate, but take the long view. Calculate how much you’ll save with a lower interest rate. Is it hundreds or even thousands?

    Next, consider how much those protections are worth to you, not only right now but also if you lost your job or faced a different financial emergency. Think about if you would you sell them for the amount you’ll save or whether you have a large emergency fund saved. Your answer can help you figure out if refinancing is right for you.

    4. There are other ways to reduce interest. If you have federal student loans and want to keep their protections, you may have options other than refinancing to lower your interest rates, so explore those first. Many servicers will reduce your rate if you enroll in automatic payments.

    They also may do the same if you make a set number of on-time payments in a row. Call your servicer, and ask it they offer these benefits or others.

    In addition, consider paying extra every month. There is no penalty for prepayment with federal student loans, and paying off your loans faster can reduce the amount of interest you pay overall, even if your rate stays the same.

    Ultimately, these reductions may not subtract as much from your monthly payments as refinancing would. Still, add these benefits to those from keeping your loans in the federal student loan program. The result may end up making more sense for you overall.

    Corrected on 04.05.2015: An earlier version of this post incorrectly listed the author.



    What Is the Difference Between a USDA Loan – a FHA Loan?


    #usda loan
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    What Is the Difference Between a USDA Loan a FHA Loan?

    USDA home loans usually are restricted to rural areas.

    USDA Loans

    Under USDA rural home loans, very low- and low-income rural Americans can qualify for several loan, grant and loan-guarantee programs. USDA home-loan terms run from 30 to 38 years. Additionally, USDA home loans can be guaranteed and can feature 100-percent financing. Income and credit qualification standards under USDA loan programs vary but are geared toward low-income buyers. Homes bought using USDA loans must be modest in design, size and cost.

    FHA Loans

    There are no geographic area restrictions when it comes to FHA-insured home loans. FHA loan limits vary depending on region and location in the country, and FHA offers only insured, not guaranteed, loans. FHA income and credit qualification standards can be slightly higher than their USDA counterparts. Minimum down payment requirements of at least 3.5 percent apply to FHA-insured home loans; however, down payments can be a gift from parents, for example.

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  • 5 easy steps to buying a new motorcycle


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    5 easy steps to buying a new motorcycle

    “One of the biggest mistakes is buying a bike that’s cool as opposed to something that properly fits your needs,” says Steven Balduzzi, who has been riding motorcycles for more than 30 years and was involved in motorcycle sales, maintenance and bike assembly at two dealerships in the 1990s.

    Each type of motorcycle has a different fit. Balduzzi, from Jupiter, Fla. notes that sport bikes — high-performance machines that are built for speed and acceleration — can become uncomfortable during a long commute. You have to lean forward to hold the handlebars and tuck your legs up high to reach the foot pegs, Balduzzi says.

    On a cruiser motorcycle, like a Harley-Davidson, Basem Wasef, a Los Angeles-based motorcycle writer for About.com, explains that on this type of bike, you have much more upright posture and your legs are in front of you, giving them room to move around.

    Touring bikes are meant to be ridden long distances. They’re all about comfort and often have backrests, wind screens, saddlebags, radios and even speaker systems, Wasef says.



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    Ezpaydaycash.com В® Ez Payday Loan and Ez Payday Cash

    The economy these days stays unsure, and this affects lots of individuals in the nation. This leads to lots of families and individuals to encounter financial shortage. At times, you eagerly want funds however, you do not know exactly where to acquire them. You can have loans from banks and several other banking institutions. Nevertheless, a very long process is concerned in it, not to mention the numerous paper documents that you should submit and the great credit rating that you ought to have.

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    Among the most important requirements as a way to get a loan is a good credit history. Nonetheless, that kind of credit status is very hard to achieve taking into consideration the poor financial system right now. The great thing is, ez payday cash doesn’t conduct any credit assessment simply because they completely understand your situation. Meaning to say, poor credit is not a problem at all in having a loan.

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    From the very start, ez payday loan strives to give economic relief so they see to it that all financial data of their members and personal information are greatly protected. Only authorized individuals can gain access to your information and this is made probable by the latest technology and procedural safeguards.

    Hiring ez payday loan won’t charge you much as they have the cheapest payday loan rate among the competitiors. They have various payment schemes which an individual can select from in accordance to his/her spending budget. If you still don’t have the money to pay on the payment date, you can ask for an extension from them. A detailed list of loan rates is obtainable online, so check it to see the amount you will be paying.

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    Ezpaydaycash.com gives a little assistance for all their members in terms of assisting them save and earn money at the same time. Essentially, a member can avail of a loan that is discounted up to 30% through the firm’s Preferred Member Program. Furthermore, they can probably receive 0 (no strings attached) once the loan application from their good friend or relative is approved. This is the way they value their members.

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    6 Common Questions About Student Loan Defaults and Tax Refunds – US News


    #tax loan
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    6 Common Questions About Student Loan Defaults and Tax Refunds

    Spring means blooming flowers, budding trees and, if you’re lucky, a lovely federal tax refund from Uncle Sam to go toward a big purchase, paying down debt or padding your savings account. But if you’ve defaulted on a federal student loan. your tax refund may not appear as expected.

    Most federal student loans are considered to be in default when payments are 270 days or more past due.

    Once your student loan hits default status, the federal government can and will go to extreme lengths to reclaim its money. One of those methods is the Treasury Offset Program, a U.S. Department of the Treasury program that can seize federal payments owed to you to in order to pay delinquent debts owed to other federal agencies, like the U.S. Department of Education.

    Here are some of the top questions we answer about college and graduate school student loan tax refund offsets each year around this time.

    1. How do I know if my tax refund will be seized? Federal law requires that the holder of your defaulted federal loan – the U.S. Department of Education, a guaranty agency acting on behalf of the department or your school – send you proper notice before an offset occurs. The notices are sent to you using the best address available to the department, from all legally available resources, including the most recent address used by you in your most recent federal tax return.

    The notice typically goes out at the end of the summer to give you an opportunity to resolve the defaulted loan before the account is certified for offset.

    2. How much of my tax refund can be seized? Up to 100 percent of your tax refund can be taken, and you can still be subject to an offset even if your wages are being garnished as well. Funds can be taken without your permission, but you will receive information regarding the amount and date of your offset.

    3. Can I stop the offset? You may be able to avoid the tax offset if you set up a satisfactory repayment arrangement and begin making payments before the deadline outlined in the warning notice. Payments made under a voluntary payment plan are often lower than the amount taken through garnishment and can lead to resolving the default altogether through rehabilitation or consolidation.

    Contact your loan holder to get started. You can find this information by going to the National Student Loan Data System .

    4. Can only my federal tax refund be seized? No. A number of states have laws authorizing state guaranty agencies to take state income tax refunds as well. You should be able to identify if your loan is with a guaranty agency by visiting the student loan data system. Additionally, any other federal payments or benefits owed to you, such as Social Security, as well as your wages can be garnished.

    5. Can I challenge the offset? Yes, you can request a hearing to appeal to the U.S. Department of Education or guaranty agency, either before or after the offset occurs. It’s best to do so as soon as you get the notice about the offset process. If you dispute the offset after it occurs and it’s proven to be in error, the federal government will refund you.

    You cannot challenge the offset simply because you did not receive a notice from your loan holder, but you can dispute it if you can prove you’ve repaid the defaulted loan, the loan isn’t yours, the loan was formerly discharged in bankruptcy, you’re totally and permanently disabled or for other reasons. You may also be able to challenge your offset if it will cause financial hardship.

    6. How can I prevent tax refund offsets? The easiest way to never face tax refund garnishment is to avoid default in the first place. Much has been written about the lack of consumer protections, like bankruptcy, for student loan borrowers in financial distress. But in reality, federal student loans offer many more options to avoid default than most other forms of consumer debt.

    After all, you can’t temporarily postpone payments on your mortgage, car loan or credit cards because of economic hardship, unemployment, military service or because you’re going back to school. But you can with your federal student loans.

    The trick is to maximize your rights and take advantage of your options before you get into trouble. If you can’t make your monthly payment, contact your loan holder immediately and ask about your options. That way, this time next year you’ll be holding a fat tax refund check instead of the dreaded offset letter.



    5 Warning Signs of a Bad Credit Card – US News


    #bad credit cards
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    5 Warning Signs of a Bad Credit Card

    Don’t be duped by a horrible offer.

    It doesn’t take much effort to find dozens or even hundreds of credit card offers. All you have to do is visit the websites of the largest credit card issuers, such as JP Morgan Chase, Citibank and Bank of America. Add to that the Visas and MasterCards available from major retailers, hotel chains and airlines, and it’s easy to find yourself awash in offers.

    Naturally, some offers are better than others. It’s often tricky to determine what the best offer is, but there are a few warning signs of an offer that’s not as good as others. Here are five clear signs of a credit card you should skip right past.

    No bonus rewards. Reward programs are common features of credit cards. They offer you some form of reward or rebate for purchases made on the cards.

    Reward credit cards come in a variety of shapes and sizes. Some provide discounts at specific retailers. For example, the Target Visa gives you 5 percent off on all purchases at Target. Various gas station chains offer as much as 25 cents per gallon in rebates when you use their particular Visa or MasterCard to buy gas. Other cards offer points that can be used in various ways. Some hotel chains, for instance, offer cards that generate points with each purchase and can be exchanged for a free night of lodging at one of the hotels in that chain.

    If you’re smart, a good rewards program can easily help you save on everyday purchases. There are multitudes of cards out there that offer at least some kind of rewards program, so there’s no reason to accept a card that offers you nothing in return for using it.

    High APR. If you carry a balance on your card from month to month, you’re going to face interest charges. The higher the APR on your card, the more interest you’re going to pay each month on a particular balance.

    Let’s say you have a 19.9 percent APR on a card with a $1,000 balance, and your monthly minimum payment is 4 percent of your balance. In that case, to pay off the card, you’ll pay $40 a month, but it will take 73 months. You’ll also end up paying a total of $1,556, which translates to an extra $556 in interest.

    If you simply reduce the interest rate to 9.9 percent APR (and leave the other factors the same – a $1,000 balance and a 4 percent monthly payment), things change quickly. You’ll still pay $40 a month, but you’ll end up paying off the card in 58 months. Your total payment will be $1,209.11 – only $209.11 paid in interest.

    Therefore, if you carry a balance, a high APR is something to avoid because a lower APR will directly save you money. (Of course, it’s better to simply not carry a balance.)

    Low credit limit. Each credit card offer comes with a credit limit that indicates the maximum amount of credit you can use on that card. While it’s rarely a good idea to use a card up to the credit limit, there are times when that flexibility can help.

    For example, if you’re going to make a major purchase like a laptop, it’s nice to have the consumer protection that a Visa or MasterCard offers, but if your credit limit is too low, you can’t simply buy it with a swipe of the card.

    A higher limit can also help improve your credit score, since scores factor in credit card utilization rates (the ratio of your balances to credit limits).

    The bottom line: If your card offer limits your credit to $250 or $500, look elsewhere.

    High fees and penalties. Credit card companies make a lot of money from fees. Fees for balance transfers, cash advances, cash withdrawals from ATMs, payment by phone, online payments – if there’s a way to charge you, they will.

    That’s why it pays to look at the fine print. If you find that a card will charge you fees for all of these things – particularly for things you are likely to do, like transferring balances – skip it and move on to the next offer.

    Variable interest rates. This is a particularly pernicious trick that some credit card companies like to use. They’ll advertise a very low initial rate, but it turns out that it’s a variable rate they can change at will. Trust me, they will change it, and it will cost you.

    You should look for fixed-interest rate cards, even if they’re a bit higher than variable rate cards. Still, be careful – there are situations when companies can change the rate on a fixed rate card. Be aware of those situations by reading the documentation that comes with your card.

    If you avoid these five warning signs of a bad credit card, you’ll wind up with a card that’s right for you .



    5 Tips on How to Negotiate a Car Loan


    #interest rate on car loan
    #

    5 Tips on How to Negotiate a Car Loan

    By Mark Riddix

    You have finally settled on buying an automobile. You have found the exact make, model, and color that you want. Now comes the most difficult part: signing the papers. If you don t have your financing in place before visiting the dealership, then you will have to apply for dealer financing. The salesman and finance manager will try to sell you everything from extended warranties to floor mats. You will have to be prepared for the never-ending sales pitch that is about to come. In this post, I am going to delve into how to negotiate a car loan, which is one of the key areas you need to master when trying to take advantage of our 5 tips on how to buy a new or used car from a dealer .

    Here are 5 great tips to help you negotiate the best deal:

    1. Always negotiate the price.

    This may sound simple enough but it can actually be difficult. One trick that is often used by car salesmen is to get you negotiating payments. You will be asked questions like: How much are you looking to pay per month? or What do you want your payment to be? Car salesmen love to negotiate payments as opposed to the actual price of the car. That s because they want to set the price based on the maximum monthly payment that you are willing to pay. If you fall for this tactic, you will end up paying a whole lot more for your car. Negotiate the price, not car payments!

    2. Keep your loan term as short as possible.

    Dealers have come up with creative financing programs that will allow borrowers to lower their monthly payments. They do this by lengthening the number of years on the auto loan. Today, borrowers are allowed to finance a car for up to 7 years. This is absolutely ludicrous! A car is a depreciating asset and is losing value every year. The best loan term is 4 years or less. The maximum is 5 years. Under no circumstances should you ever take a car loan over 60 months or you could very well find yourself with an upside down car loan .

    3. Skip all of the extras.

    Finance managers will try to get you to buy every option available. They will sell you gap insurance. rustproofing, fabric protection, extended warranties, paint protection, and car alarms. Many of these are useful items but the dealer markup is ridiculous. They make huge profits by ripping customers off on these products. You can get extended warranties and car alarms cheaper aftermarket. Rustproofing is not essential for modern cars. You can apply Scotchgard and paint protection yourself for a few bucks. Gap insurance is sold at most credit unions for a much lower price.

    4. Say no to high interest loans.

    Your credit rating will determine the interest rate that you get. Just because your credit is not tip-top does not mean that you have to take a loan with a ridiculously high interest rate. Individuals with good credit will get loans with single digit APRs. Individuals with average credit may get loans at 10% to 12%. Individuals with bad credit will be offered loans at 15% or higher. Many people with bad credit accept loans with interest rates as high as 24%. Never take a loan with exorbitant interest rates. No matter what your credit situation, it is never worth paying usurious interest rates just for the right to own a car.

    5. Keep emotions out of your decision.

    Buying a car can be an incredibly emotional decision. After you have gone out for a test drive and gotten a whiff of that new car smell, it can be difficult to leave. If the dealership is unwilling to negotiate, you should be prepared to walk away. Remember that they are not doing you a favor by selling you a car. You are paying money for this automobile. Don t allow your feelings to get you stuck in a bad car loan that you will regret for years to come.

    Do you have any horror stories from when you negotiated your auto loan? Any additional tips you have for negotiating a car loan?



    Ripoff Report


    #omni military loans
    #

    Don’t let them get away with it! Let the truth be known!

    • Update a Report
    • Program Services
    • Help FAQs
    • Consumer Resources
    • Verified Business Directory
    • Legal Directory
    • Consumers Say Thank You
    • In the Media Repair your reputation the right way Corporate Advocacy Program

    Reputation Management

    Corporate Advocacy Program

    This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

    All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Consumers love to do business with someone that can admit mistakes and state how they made improvements.



    5 Types of Bad Credit Loans to Avoid – US News


    #payday loans for bad credit
    #

    5 Types of Bad Credit Loans to Avoid

    You’re probably seen the advertisements. Here’s why it’s wise to stay away from these loans.

    Bad credit loans should just be called bad loans.

    Even if your finances are rock-solid, you’ve probably noticed the advertisements suggesting that if you have bad credit, Company X will be happy to give you a loan.

    And unless you’re young and not yet jaded, you know that accepting a loan from Company X isn’t smart.

    But if you’re desperate enough, you might take one out anyway. You might feel that if a company is dumb enough to loan you money despite your bad credit, it’s better to take the money and ask questions later. But it’s actually better to ask questions now. Here are some common bad credit loans – and why it’s better to stay away.

    Automobile loans for consumers with bad credit. If the interest rate is in the double digits and the time period you have to pay off the car is longer than four or five years, this is not a good deal.

    Katie Moore, a Detroit-based counselor with GreenPath Debt Solutions, a nationwide nonprofit that helps consumers with debt and bankruptcy, says she recently worked with a woman who took out a loan to finance a car. The monthly payment for the $15,000 used car was $300, which the woman felt was manageable, but the interest rate was 18 percent – for the next 84 months.

    The salesman told her that after a couple years of paying on time, she could refinance.

    The salesman was full of it.

    The vehicle is going to depreciate much faster than it is paid off, Moore says. It’s very difficult to get a new finance company to refinance that loan even if you have improved your credit because the vehicle is not worth what you owe.

    So assuming Moore’s client doesn’t get her car refinanced, after 84 months, the client will have paid over $26,000 for the vehicle, Moore says.

    And if you’re buying a used car, it may not last seven years – or by then, it may be at the mechanic every other month.

    According to Kelley Blue Book, the average length someone owns a used car is 49.9 months, says Kimberly Allen, a Williamsburg, Virginia-based counselor with ClearPoint Credit Counseling Solutions, a debt and credit counseling nonprofit.

    If your loan is going to outlive how long you plan to keep a car, then [the loan] is a never-ending cycle, Allen says.

    [Read: How to Pay Down Credit Cards to Boost Your Credit Score .]

    Payday loans. Payday loans are illegal in some states, and the rules vary in others. But the gist of these loans is that as long as you can show proof of income, lenders offer you a small loan – usually anywhere from $100 to $1,000 – with interest. If you take out a $400 loan, two weeks later, you may owe $460.

    Usually after two weeks, you’ll owe the payday lending store $460, which could be a problem if your paycheck is, say, $600 – and you have $500 in bills that need to be paid. What frequently happens is that the borrower gives the payday lender $460, leaving the borrower with $140 to stretch until the next paycheck. Then, flustered, the borrower may take out another payday loan for $400 or $500. And the cycle of debt continues or worsens.

    Those aren’t ‘temporary’ loans to fix a short-term crisis as they advertise, but can be unending nightmares, Allen says.

    Auto title loans. It’s a disaster waiting to happen, says Bruce McClary, a certified financial educator at ClearPoint Credit Counseling Solutions.

    Auto title loans are advertised in storefronts and online. You’re given a loan of several thousand dollars or so with the promise that if you can’t pay it back, you’ll give them your car.

    I worked with a family who was paying 89 percent interest, says Robert Semrad, a bankruptcy attorney based in Chicago who owns DebtStoppers bankruptcy law firm. Even worse, he says the car was almost paid off, and by the time the family came to him, they could barely remember what they used the money for.



    Ripoff Report


    #loan point usa
    #

    Don’t let them get away with it! Let the truth be known!

    • Update a Report
    • Program Services
    • Help FAQs
    • Consumer Resources
    • Verified Business Directory
    • Legal Directory
    • Consumers Say Thank You
    • In the Media Repair your reputation the right way Corporate Advocacy Program

    Reputation Management

    Corporate Advocacy Program

    This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

    All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Consumers love to do business with someone that can admit mistakes and state how they made improvements.



    7 Small Business Loan Myths. Busted


    #getting a loan
    #

    7 Small Business Loan Myths. Busted

    Getting a small business loan isn t as difficult as you think. / Credit: Calculator image via Shutterstock

    Getting a small business loan can be complicated, but don t believe everything you hear about the process. Here are seven small business loan myths you should think twice about:

    Myth No. 1: Getting a small business loan is the hardest thing you ll ever have to do.

    While obtaining a loan for your small business is no easy feat, it doesn t have to be an insurmountable trial. Small business lending experts agree that you can best avoid such trouble by preparing for the challenges that applying for a small business loan may present.

    While there are challenges, a lot of the frustration around obtaining small business financing can be eased by doing your due diligence, said Michael Adam, the founder and CEO of Bankmybiz. a social media-style site that connects business owners with business funders, in an email interview with Business News Daily. Be prepared and have all your documents ready to present to lenders.

    Myth No. 2: You have to have perfect credit to get a small business loan.

    Good news for those who think that bad personal credit means never owning or expanding a business. While low credit scores might have been a non-starter in years past, today s lending environment is actually more open to subpar credit ratings than ever before.

    While traditional banks may be restrictive when it comes to obtaining credit, there are alternative options, said Michael Kevitch, the president of Varsity Business Solutions, a business-funding consulting group, in an email interview with Business News Daily.

    Alternative lending sites like those operated by Varsity Business Solutions (All Business Loans and Small Business Funding ) tend to base lending decisions on the financial realities of a business rather than the financial history of business owners. Specifically, Kevitch said, alternative lenders take a close look at business performance, industry type, time in business and cash flow before handing out a loan.

    Myth No. 3: The best way to obtain a loan for my business is through a bank.

    Think your bank is the best (or only) place to apply for a loan? Think again. Traditional lending institutions have been a mainstay of small business funding for many decades, and still are, in some industries. But they are not the only places (or necessarily the best places) to turn to for a loan.

    For business owners looking to borrow a relatively small sum (between $5,000 and $250,000), getting a bank loan is likely to be more trouble than it s worth, said Kevitch, president of Varsity Business Solutions. But even he concedes that bank loans may still be a great option for business owners who need to borrow a significant chunk of cash, over a long period, and still get a low interest rate. But he warns business owners to make sure they fall under those categories before applying through a bank.

    You will be required to provide a lot of unnecessary documentation and most likely provide some sort of collateral, said Kevitch. Alternative private banks and lenders can provide capital with much less hassle.

    Kevitch also notes that getting a loan through an alternative lending source is usually much quicker than obtaining a bank loan. With a simple application, some bank statements, a photo ID and proof of ownership, business owners can have cash in hand in as little as seven days, he said.

    EditoR&Rsquo;s Note: Considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site, Buyer Zone, provide you with information from a variety of vendors for free:

    Myth No. 4: The worst way to obtain a loan for my business is through a bank.

    Bank loans might not be the best option for every small business, but they re far from the worst funding option out there. In fact, for established businesses looking to grow at a moderate rate, traditional bank funding is generally a great option, said Adam, CEO of Bankmybiz. It s when a business doesn t fit those criteria that business owners should consider shopping around.

    If you are a younger company, pre-revenue or low revenue, but plan to grow very quickly due to the industry that you re in (i.e. healthcare, IT or software consulting), then a traditional bank loan may actually limit your growth, Adam said.

    To decide whether a bank loan is right for your business, research both traditional loans and alternative funding sources. It s also important to know your business inside and out.

    If you anticipate steady growth over the next few years, then a traditional bank may be best, Adam said. If you are growing like crazy, and you know you will need to keep increasing your loan size by large increments each quarter, then entertain a non-bank lending partner, as banks may not be able to keep up with your needs.

    Myth No. 5: The more money you ask for, the less likely you are to be approved for a small business loan.

    You might find this myth floating around Internet forums and perhaps even hear it from well-meaning friends and family members. It s all right to ask for money, the non-expert will tell you, just don t ask for too much. While this might be reasonable advice for a kid negotiating his allowance, it doesn t hold much water in the business world.

    A business should apply for what they need not more, not less, said Evan Singer, general manager at SmartBizLoans. an automated online SBA loan program, in an interview with Business News Daily.

    Singer recommends considering both how much money you really need to grow your business and how much money you can afford to pay back every month.

    Make sure that you have cash flow to make your loan payments, Singer said. That s the biggest thing that a [lender] is going to check, that [the business owner] can actually afford to make their loan payments.

    Myth No. 6: The most important thing you need in order to obtain a small business loan is a good business plan.

    No discussion of small business funding would be complete without mention of the holy grail of small business documents: the business plan. There are multiple perspectives on whether or not a traditional business plan (executive summary, market analysis the whole 9 yards) still has a place in the loan application process.

    Some funding experts seem to believe that the business plan, as a tool for measuring the likely success and fundability of a business, is a bit outdated. Singer said that while traditional banks might still require business plans during the loan application process, your business won t need a business plan to get an SBA loan online. Singer s company recently launched the first-ever fully online platform for SBA-guaranteed loan applications.

    And while Bankmybiz CEO Adam agrees that most lenders won t require a full-fledged business plan, he does think that having a plan at the ready is always a good idea.

    Every business should have some sort of business plan, Adam said. It s just a good practice to anticipate growth, set milestones and keep yourself accountable. If you don t have one, create one. You ll be glad you did in the long run.

    Myth No. 7: If I need a loan fast, I can t get one through the Small Business Association (SBA).

    Until very recently, this oft-repeated myth was more fact than fiction. The process of applying for an SBA-guaranteed loan traditionally started with an in-person visit to a local bank and could take up to four months to complete. For small business owners looking for cash in a hurry, an SBA-guaranteed loan was simply not a viable option.

    But recent developments in the SBA loan application and underwriting process have made it possible for business owners to get the affordable, guaranteed loan they need much faster. SmartBizLoans has expedited the process of obtaining a loan through the SBA, said the company s general manager, Singer.

    By automating the front-end application process for small business owners and the back-end underwriting and originating processes for banks, Smartbizloans makes it possible for small business owners to receive SBA-guaranteed funding in as soon as five days. The company s fully online application takes about 30 minutes to complete, and those who qualify can start receiving funds within five to seven days.

    EditoR&Rsquo;s Note: Considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site, Buyer Zone, provide you with information from a variety of vendors for free:



    9 Tips for Lending Money to Family – Friends


    #loan money
    #

    9 Tips for Lending Money to Family Friends

    By Jacqueline Curtis

    Lending money to loved ones is often a bad idea because it puts your relationship in jeopardy. But when someone you love is in a serious bind and you have the means to help, it can be impossible to say no. So what do you do?

    What you don t do is lend money on good faith and expect to be paid back. Just as if you were loaning to a complete stranger, you need to be smart about setting up the terms and a schedule for repayment with your friends and family. But as long as you and your money stay protected, lending to someone you love is doable even if it isn t necessarily advisable.

    How to Lend Money to Loved Ones

    When someone you love asks you to hand over your hard-earned cash, give yourself time to consider your answer. Ask what other avenues he or she has sought to procure money. Chances are your loved one is deep in debt and won t qualify for a traditional bank loan or peer-to-peer lending. But still, it pays to ask and make it clear that if you re to consider lending money, you require full financial disclosure.

    Consider these additional tips to lessen the stress of lending to friends or family:

    1. Deal With Cash Only

    If a sibling asks you to open a credit card in your name for his or her use, or requests that you co-sign for a loan. shut down the scheme as soon as possible. Never put yourself in a position where someone else s actions could affect your ability to borrow or secure credit in the future. You can control cash, and lending it won t directly affect your credit score. If  a loved one asks for help, only deal with cash or politely decline.

    2. Only Lend What You Can Afford

    There s an old gambling saying that you should never bet more than you can afford to lose. The same can be said for lending to a friend or family member. Since the money might never be paid back, you need to decide if you re willing to forgive the debt in order to save the relationship so if $5,000 could break you financially, don t lend it.

    Even the most well-meaning loved one might fall on hard times and default. Ask yourself whether you are okay with that. If not, don t dole out the loan.

    3. Consider the Impact

    When you lend money to a family member, you impact just about everyone else you re related to. Allowing one family member to borrow and not another could drive a wedge into your relationships. Other family members might see favoritism or enabling, so seriously think about how going through with the loan will make others feel.

    If you re a parent considering loaning money to a child, it might even be a good idea to call a family meeting to discuss the terms openly. That way, none of your other children will be confused or hurt by the decision.

    4. Get Full Details

    While you might be anxious about hurting a loved one s feelings, you need to know where your cash is going to decide if it s worthy of a loan. A bank would never blindly hand over funds without knowing what it s being spent on, and neither should you.

    If a family member becomes offended, take it as a red flag that it s not a deal you should make. And if you are provided details, follow up on them. For example, if a friend asks for a couple thousand dollars for a down payment on a home, check out the house, its cost, neighborhood comparisons, and how a down payment will affect the mortgage. Investigate all of these variables prior to making your decision.

    5. Charge Interest

    Charging interest to a family member or friend might seem unnecessary, but it s the fairest way to protect yourself. Not only will a fair interest rate inspire your family member to pay you back in a timely manner, but it can also protect you from being charged gift taxes on the money you lend. As of 2012, if you lend more than $13,000, you re liable to pay a gift tax on that amount if you don t set a loan with reasonable terms and get it in writing. For larger loans, confirm with an accountant what you need to do to protect yourself.

    While a verbal agreement is considered legally binding, it still comes down to your word against someone else s and even if you trust your loved one to abide by the parameters you set, you could land in hot water without a written agreement.

    Having written details that both parties agree to by signature is also a great tool to prevent misunderstandings. Should legal action ever become necessary, a written contract is nearly ironclad in court, which protects you far more than a mere handshake.

    9. Distance Yourself

    One of the biggest mistakes you can make when lending to friends and family is to micromanage that person s spending after you ve made the loan. Once you ve agreed and inked the deal, the money that you lend is no longer in your control obsessing over how it s spent will only foster problems. Separate yourself from the money and focus on repayment, not on how it s spent.

    When to Say No

    If you aren t comfortable with the lender-borrower relationship, it may be in both your best interests to decline your loved one s loan request. Money can be a serious force in driving apart friendships and family relationships, so trust your instincts and simply decline if you feel uneasy about the deal. Perhaps you can help in other ways: offer a small cash gift, buy groceries, or find other service-based ways to lend assistance.

    Final Word

    Is lending to family members or friends the best financial decision you could ever make? Probably not. But all financial advice aside, sometimes your relationships trump traditional money sense. If you absolutely must lend to someone you love, just make sure you do it with your head, and not your heart. Being too forgiving or trusting might be admirable, but it can also lead to you being taken advantage of, even by someone who has the best intentions.

    Do the work, prepare for the worst, and work to keep your relationship as stable as possible to make lending money a positive experience for both parties involved.

    Have you ever loaned money to a family member or friend? If so, did the experience put any strain on your relationship?



    9 Things to Know Before Borrowing from Your 401(k)


    #401k loans
    #

    9 Things You Should Know About Borrowing from Your 401(k)

    By Michael Rubin. Retirement Planning Expert

    Many employers allow their employees to borrow money from their 401(k) plans  through what is known as a 401(k) loan. Of those 401(k) participants whose plan offers a loan option, only 21% use it. Though many like the idea of borrowing from themselves over borrowing from a financial or banking institution, taking a loan out from your 401(k) is not as simple as it may appear.

    Important 401(k) Loan Facts

    Continue Reading Below

    In fact, in most cases, taking a loan against your 401(k) in inadvisable. But if you are considering a 401(k) loan, make sure you know the rules and understand the relative advantages and disadvantages of a 401(k) loan before you sign on the dotted line. Before getting started, here are nine things (the good, the bad, and the neutral) to know about a 401(k) loan.

    1. 401(k) Loans Have Borrowing Limits

    In general, you can only borrow the lesser of $50,000 or one-half of your retirement plan balance.

    To accept the loan, you must typically agree to begin paying back the loan as soon as your next pay period. Most often, this is done via an automatic deduction from your paycheck.

    2. 401(k) Loans Have Length Restrictions

    Unless you use the money to acquire a home, you must pay the loan back in five years or less. If you borrow the money so you can purchase a residence, the length of the loan may be significantly longer, but be sure to note the risk of termination below.

    3. 401(k) Loans Don t Require a Credit Check 

    No credit check will be performed if you request a 401(k) loan since you aren’t actually borrowing money .

    Continue Reading Below

    Instead, you are temporarily tapping into your retirement funds. Since no entity is loaning you money, there is no need to check your credit. But that doesn t mean you won t pay interest.

    4. 401(k) Loans Have a Competitive Interest Rate

    Regardless of your credit score. you’ll pay a competitive interest rate  on a 401(k). The rate is often in the neighborhood of the prime rate, which is consistent with typical consumer loans. Better yet, you’ll pay back the loan principal and the interest. to yourself, not to a bank or other financial institution. The entire amount of each loan repayment goes back to your 401(k) account.

    5. 401(k) Loans Have Low or No Application Fees

    Since a 401(k) loan isn’t a true loan, any application fees are usually minimal.

    6. 401(k) Loans Result in Lost Investment Growth

    Your borrowed 401(k) money will not be invested for your retirement for the entire time the money is outstanding from your 401(k) plan. Therefore, you forgo all potential investment gains from all borrowed funds for the duration of your 401(k) loan. But perhaps most impactful, you lose out on gains from compound interest. So remember, when you borrow from your 401(k), you are borrowing from your future self and even when you pay back the principal and interest, you likely still won t break even in terms of lost investment growth by the time you retire.

    7. 401(k) Loans are Repaid with After-Tax Money

    Unlike the initial 401(k) contributions which were likely tax deductible, when you pay back your 401(k) loan, you do so with post-tax (or after-tax) dollars. Consequently, a $100 loan repayment reduces your take-home pay by $100. Worse, when you take the money out of your 401(k) plan during retirement, you will pay tax on the same money again.

    8. 401(k) Loan Terms are Dependent on Employment

    There is a real risk with 401(k) loans that not many people know, which is the risk of job termination. The reason that termination poses such a risk is that the terms of 401(k) loans are generally tied to your employment status with that employer. No matter the cause, if you cease working with your current employer, the entire remaining balance of the loan is usually due within 60 days. If you are unable to pay back the loan balance during that quick time frame, the entire amount you are unable to pay is deemed a distribution, which is likely to be subject to significant federal income tax, state income tax. and early distribution penalties .

    9. 401(k) Loans are Still Generally Better Than a Distribution

    While a 401(k) loan has some benefits, its significant negatives ought to be avoided except during a genuine financial emergency. Most financial planners advise people to act as though their retirement funds are off limits. It is always better to be prepared for a financial emergency with emergency funds or proper insurance. Still, if your only other source of money in a true emergency is an outright distribution of your 401(k) money, a 401(k) loan is still the preferable option as unless you are terminated during the life of the loan, you can avoid paying income tax and penalties you would on a distribution.



    10 Important Things To Consider When Getting A Mortgage Or Home Equity Loan


    #getting a loan
    #

    10 Important Things To Consider When Getting A Mortgage Or Home Equity Loan

    Finding the best home loan is not a job to be taken lightly. Here are 10 very important tips to consider before, during, and after the loan.

    Looking For The Right Home Loan For You

    1. Mortgages are not commodities. If you think “it’s all about the rate”, you are going to be disappointed from the start. It’s really about finding a trusted partner help you navigate a complex transaction by offering honest advice and responsive support throughout the entire loan process.
  • Online is not the place to transact your biggest liability. Buy a music player, bid on sports equipment, order some books, but don’t do a mortgage over the internet. There are too many variables that arise throughout the process. This is not to say you should exclude the internet in your rate search, as there are reputable sites on the net which will help you find rates, calculate your potential loan, and provide other helpful information. I’m suggesting you shouldn’t work with an internet-only firm for your mortgage.
  • There are two types of mortgage lenders who advertise on the web and on the newspaper rate table. Ones you’ve heard of and ones you haven’t. Why do the major, well-known lenders generally quote higher rates? It could be they have higher cost structures. It could also be they are more reputable and provide a lot more service.
  • Generally, avoid interest-only loans. Unless you plan to move in a short period of time, or the loan is a short-term “bridge” or construction loan, avoid the “interest-only” loan. If you are only paying interest, you do not build up any ownership or equity in your home.
  • Are the fees reasonable?. Find out exactly what the loan will cost you. While some fees might not be avoidable, know that many fees are unnecessary “junk fees” or negotiable. Be sure to get a good faith estimate statement which shows your total expected fees. Some companies will include all the fees in the interest rate they quote you. Here are some fees to ask about:
    1. Application fee
  • Points (if you pay points, make sure your interest rate is reduced. A rule-of-thumb is to generally avoid paying any points if you plan to live in your home less than ten years)
  • Credit Evaluation
  • Loan Processing (these fees can be pretty arbitrary)
  • Appraisal Fee (cost to estimate the value of your home)
  • Title Search
  • Title Insurance (you have to pay to protect the lender. Always make sure the Title Insurance specifically protects you as well. It’s normal to pay more to protect your interests)
  • Documentation (these fees can be pretty arbitrary)
  • Underwriting (these fees can be pretty arbitrary)
  • Escrow Fee
  • Prepayment Penalty (the fee paid if you pay off your loan early)
  • The following fees are almost always “junk fees”: amortization schedule fee, trustee fee, financing statement fee, appraisal review fee, credit report review fee, document preparation fee, inspection fee, photo inspection fee, underwriting fee, warehousing fee, administrative fee, computer fee, courier fee, and overly high notary fees
  • When you ask about your interest rate, also ask about the APY (or Annual Percentage Rate) which is usually higher and a more accurate reflection of your true interest rate.

  • Generally, avoid adjustable rate loans. Adjustable rates can be attractive because the advertised rate is lower than a fixed rate. They generally allow you four payment options:
    1. minimum payment (NEVER make only a minimum payment. It won’t even cover the interest on your loan and can quickly lead to a situation where your home is worth less than your loan)
  • “interest only” payment (also not recommended. No money is going to pay down the loan or create home equity)
  • a fully amortized 15-year loan
  • a fully amortized 30-year loan
  • The later two are similar to traditional loans, except that your interest rate is adjustable.
    Here are three reasons to consider an adjustable rate.

    1. IF you know for certain interest rates can’t go up from current levels
  • the loan ceiling on the adjustable rate is below the current fixed rates
  • you plan to sell your home prior to the first rate adjustment

    Here are five questions to ask about your potential ARM rate. Adjustable rate loans often start with a “teaser rate”. This is an artificially low rate which will get adjusted higher at the first adjustment opportunity. If you do consider an adjustable rate, be sure to ask:

    1. what is the rate based upon (often a current T-bill or LIBOR rate plus an additional amount). Get complete details
  • what would be the rate today if you already had the loan and it adjusted to current levels
  • what is the floor (how low can the rate go from here)
  • what is the ceiling (what is the highest rate you would have to pay)
  • how often can the rate adjust.
  • Be sure you fully understand each of these parameters, and get them in writing. Note: if you can’t afford the loan ceiling and the fully amortized payment at that level, don’t accept the loan.

    Looking For The Right Home Loan For You

    1. The mortgage industry is unregulated. Mortgage brokers are not banks and don’t play by the same rules. There are countless stories of “bait and switch” with people being promised one thing and ending up with another at the closing table. You do not have to accept any last minute changes. While inconvenient, just walk away. (They are betting you won’t). Lets say you have found the rate and lender with which you wish to work. Here are twelve warning signs telling you to walk away from the loan. Any one is enough for you to terminate the loan right then and there.
      1. if the loan rep encourages you to borrow more than you need — walk away!
    2. if the loan rep prods you to overstate your income or understate your outstanding loans or expenses — walk away!
    3. if the loan rep tries to get you to agree to payments that you can’t afford — walk away!
    4. if the loan rep asks you to sign blank forms — walk away!
    5. if the loan rep won’t give you copies of every document you signed — walk away!
    6. if the loan rep fails to give you mandated disclosure documents — walk away!
    7. if the rep appears to pressure you — walk away!
    8. if the rep is unresponsive to your calls, is disorganized, repeatedly asks for the same documents, or is constantly blaming others for delays — walk away!
    9. if they try to sell you credit insurance or extra products you don’t want — walk away. (If you actually want the credit insurance, shop around to get the best rate)!
    10. if they try to make you do something that is against your better judgment — walk away!
    11. if they require you to deed your property to anyone — walk away!
    12. if the loan rep changes any of the terms of the loan at closing — run, don’t walk! Be aware that the further in the process you get — the more momentum builds — the tougher it is to back out. Dishonest lenders know this and are counting on it.
  • Generally, see if you can avoid paying for mortgage insurance. Some loans require mortgage insurance. Others will waive the insurance if you have a low enough debt-to-home equity ratio when you take out your loan. Most mortgage insurance protects the lender, not you.


  • 7 Reasons Why a P2P Loan is Good News for – Bad – Credit


    #loan bad credit
    #

    7 Reasons Why a P2P Loan is Good News for Bad Credit

    While many of us in the peer to peer lending world have the luxury of having extra cash to invest, the reality is that millions of people in our country struggle under the weight of bills and unpaid debt. Whether through a bad shopping habit or a sudden medical emergency, many people need access to cash but do not have good enough credit history to be approved for a personal loan from a bank.

    Loans up to $35,000

    Check your rate at both, go with the lower rate.

    Check Your Rate

    It can be difficult to find bank loans for people with bad credit, which usually require a credit score of 700+ for a personal loan. But if someone needs a loan whose credit score is in the 600s, what are their options?  For people in this situation, a peer to peer loan (p2p loan) can be truly wonderful news. This avenue of lending online, new to the nation, offers many people a way out.

    Seven Reasons to Apply for a P2P Loan (Even With Imperfect Credit)

    Seven reasons why peer to peer loans are helpful to people with less than perfect credit scores.

    #1. Unlike a Bank Loan, a Smaller Footprint Means More Approvals

    People across the United States often struggle to be approved for a personal loan if they apply through the branch of their local bank, even with solid credit history. This is because access to loans has become very tight  (Bloomberg) in the past few years. Thankfully, peer to peer lending companies run leaner and more efficiently than banks do. They run almost completely through the internet and have less overhead. As a result, they are able to offer loans to people with lower credit than banks will allow. Prosper. for instance,  approves loans for people who have FICO credit scores as low as 640 .

    #2. Unlike a Bank Loan, Accurate Assessments Mean More Approvals

    Many people deserve a line of credit, but are denied for a loan because their bank does not have access to all the applicant s information. They are gently informed they have bad credit, but this is often said by banks who are not seeing the whole picture. Peer to peer lending companies, in contrast, have a remarkable ability to more accurately judge whether someone is deserving of a loan. This is because they can electronically pull data from a wide variety of third-party sources to fully build a borrower s profile. They do this while also looking at success rates of thousands of their past loans, and this gives them the ability to approve loans for many people who elsewhere be denied.

    #3. Awesome Lower Interest Rates

    The average American who is denied for a loan by their bank has few options left to them. Often their only option is to get a payday loan, but these types of cash-advance loans often have interest rates higher than 60%. This type of lending is so terrible and predatory that it has been outlawed in some states like Georgia. In contrast, peer to peer lending companies like Prosper issue loans to people with rates that are far more reasonable, sometimes as low as 6.8% .

    #4. Unlike a Bank Loan, P2P Loans Offer Larger Loans (Up to $35,000)

    I recently got off the phone with my local credit union. When I asked about the maximum loan amount they could offer me, they said it was $15,000. This is a common problem in our country. Often people need to pay off large debts like credit card balances and medical bills but struggle to find a loan large enough to cover the entire amount. Thankfully, peer to peer lending companies offer loans as high as $35,000, a number than should go up in the coming years.

    #5. Unlike a Bank, P2P Loans Offer Quick Access to Cash

    When applying for a line of credit at a local bank, the process can often take weeks at a time. Paperwork has to be faxed and phone calls have to be made. But peer to peer loans are mostly done over the internet. This allows the process to happy in a fraction of the time. Many people who apply for a loan often have the money deposited in their bank account within 10 days .

    #6. Zero Prepayment Penalty

    As further evidence that peer to peer lenders are cheaper and more efficient, they offer borrowers the chance to pay any loan off early without a fee. This often means p2p lenders lose a bit of interest, but it is a huge benefit for borrowers. Prepayment fees at banks can often be in the hundreds of dollars, yet loans at companies like Prosper can be paid off early without any penalty at all.

    #7. Loans Come from Real People Across America

    This reason has lost a bit of its appeal in the last few years, but I think it is still a big one: peer to peer loans are funded by people around the country. Borrowers may feel little connection to a bank that offers them a loan, but a peer to peer loan is often funded by a hundred lenders all working together. For some borrowers, this can give them a sense of dignity and responsibility for the cash they are entrusted.

    For People With Imperfect Credit, Hope Remains

    Peer to peer lending is a type of investing that is only just beginning to find legitimacy in the eyes of the nation. This is great news for people struggling under the weight of heavy debt, even those with less than excellent credit. Whereas before people were forced to become delinquent borrowers, they can now have a peer to peer loan consolidate their outrageous debt into one lump sum with a lower interest rate than before.

    Unfortunately, most people in the United States are still unaware of peer to peer loans. Payday advance lenders are still making a killing by offering outrageous 60% rate loans to people who have no idea something better exists something that sites like LendingMemo are trying to change. My hope is that the continued growth of the p2p lending industry begins to alter this harsh reality, bringing people who have imperfect credit the ability to finally get the loan they deserve.

    Loans up to $35,000

    Check your rate at both, go with the lower rate.



    24 Hour Payday Loans


    #24 hour loans
    #

    24 Hour Payday Loans

    A 24-Hour Payday Loan is an advance loan on your paycheck for which you pay a fee. 24 Hour Payday lenders ensure that your loan process is quick and that the money is in your account the next day.

    24 Hour Payday Loan Amounts

    Loan amounts for a 24 Hour Payday Loan range from $100 to $1,000. Depending upon your situation, some Payday lenders will consider larger loans. The amount you will be able to borrow will vary based on your income and other requirements.

    How soon can I expect to get the money in my checking account?

    As the name says, 24 Hour Payday Loans means you can expect to make a withdrawal from your checking account the following day for you loan amount.

    Do 24 Hour Payday lenders run credit checks?

    No. If you meet the basic requirements for a Payday Loan, you should not have any problem funding 24-Hour Payday services that do not run any form of credit checks. We work with lenders who don’t perform credit checks, so don’t worry.

    What is the time frame for paying off a 24 Hour Payday Loan?

    Like any other Payday Loan, a 24-Hour Payday Loan is an advance on your pay. Usually the time frame for paying off the loan is until your next pay check or 14 days. It is not a problem for you to request a longer repayment time frame, usually 21 or 28 days. In longer term loans, fees can be higher though. If it is at the end of the agreed time frame and the loan is not repaid, most lenders will accept an extension of the loan. A new fee is charged for every new period. Some lenders automatically extend the loan and only withdraw the fee at the end of every period, until the customer arranges installments for paying back the loan.

    Can anyone use 24 Hour Payday Loans?

    Yes, as with other types of Payday Loans, anyone can apply for one, providing they meet the requirements of the loan. This usually includes being a United Sates citizen over 18 with steady employment, a monthly income of at least $1,000, and a checking account. Some companies require that you have been employed a certain length of time with your current employer, usually 3 or 4 months.

    24 hour Payday Loan Interest Rates

    24 Hour Payday companies charge a financial fee for your loan. These can range from $10 to $30 per borrowed $100 to be paid every payment period, which is usually every 14 days. Besides the financial fee, no interest rate is charged. If the fee is $15 per $100 borrowed, that equals an APR of 391.07%.

    24 hour Payday Loan Restrictions

    None, because 24-Hour Payday lenders do not have restrictions on those items you need to pay for or buy. This is a personal loan so the money can be used for whatever reason you need.

    Multiple 24 Hour Payday Loans

    It is up to the lender whether or not multiple loans are an option. Many lenders require that a loan be repaid in full before considering a new loan. Other lenders will agree to increase your loan, if your monthly income is high enough. We suggest that you do not get multiple Payday Loans at one time.

    * Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.



    10K Personal Loan With Bad Credit (2K, 3K, 5K)


    #loan for bad credit
    #

    OHIO LOAN FIND

    10K Personal Loan With Bad Credit (2K,3K,5K)

    Many borrowers need a personal loan for 10K (ten thousand dollars), but the reasons why they need the loan is completely different depending on each individual situation.

    Often if somebody has borrowed 2K, 3K, or 5K in the past they end up owing a lump sum of 10K or more.

    Usually these loans taken prior have high interest rates attached to them is the borrower(s) had bad credit when they applied for the loan. This is not a good position to be in and by borrowing 10K they think they can have one payment per month to make instead of various other payments.

    In other words, these borrowers are in essence getting a debt consolidation loan on their own accord instead of paying for an attorney or trustee to set up a payment schedule based on just a fraction of what is owing. These borrowers hope they can somehow get out from underneath their debt and not go through the shame involved when setting up a settlement plan with their creditors.

    Most of these creditors are credit card companies, department stores, and their family banking institutions via lines of credit and overdraft accounts. Unfortunately many times the 10K they are trying to borrow is not even enough to pay off all of their loans.

    Of course there are people who need 10K for other purposes, such as the purchase of a car, some home renovations, or a family vacation. Just did this is the case then you could be increasing your complete debt load even more putting yourself in a even more precarious financial position going forward, and it may be something you ll regret later. You may end up being in a position where you can t service the debt on everything you have borrowed and you are just prolonging the pain until you do have to get a structured settlement plan set up with your creditors through trustee.

    10K Personal Loan at 11% for 3 Years

    For a ten thousand dollar loans we will run the numbers so you can see home much it is going to cost you in the long run, and what it does for you in the short run. For this 10K loan we are going to use an Interest rate of 11% for the sake of argument and we ll use a 3 year pay-back schedule with payments being at the beginning of each month. Below are the results.

    Amount borrowed = 10K dollars

    Interest rate = 11%

    Length of loan = 3 years

    Payment periods = monthly

    10K Dollar Loan Results for 3 Year

    Total Amount to be payed: 11,695.52

    Total amount of interest 1,695.52

    You can see very clearly that you are paying a little bit over $500 a year in total interest payment charges. Your payments are reasonable at $320. This kind of loan is fairly common throughout the United States. Next we will look at a 10K dollar loan over 5 years at 7.5%.

    10K Personal Loan at 7.5% for 5 Years

    If you have a pretty good FICO score with the credit bureaus you can perhaps be approved for a loan at an interest rate of 7.5%. This is a considerably lower APR and will save you allot of money over time. For this loan you will be paying the bank back every 14 days (what they call biweekly) and you will be paying back the loan over a five year period. Of course this is also a loan for 10,000 dollars. See below. Take special note of how low the biweekly payment is here only 91 dollars paid every two weeks!

    Amount borrowed = 10K dollars

    Interest rate = 7.5%

    Length of loan = 5 years

    Payment periods = biweekly

    10K Dollar Loan Results for 5 Years

    Total Amount to be payed: 11889.41

    Total amount of interest 1889.41

    10K Personal Loan at 23% for 7 Years

    If you have a bad credit rating, with a FICO score of 550 (as far as the credit bureaus say) then your interest rate is going to be much higher. The banks and private lenders will see more risk in lending to you and as a result they try to protect their interests by charging you, along with thousands of other borrowers, a very high interest rate.

    This way if a few borrowers default on their payment(s) they will still be ahead in the long run.

    Now watch how expensive this loan is over the full during of the 7 year term. See the most important part here is that the principal of the loan is 10K, and the interest on the note is over 8K. This is a very expensive form on lending in which the borrower is paying dearly at the cost of  borrowing point. The fees on a loan like this could be very high as well, so you will have to keep that in mind too. Often the lender in this case will be a private lender.

    Amount borrowed = 10K dollar

    Interest rate = 23%

    Length of loan = 7 years

    Payment periods = monthly

    10K Dollar Loan Results for 7 Years

    Total Amount to be payed: 18144.67

    Total amount of interest 8144.67



    18 Month Loans- Payday Loans- Same Day Loans


    #same day loan
    #

    Welcome To 18 Month Loan

    Are you thinking to opt for a short term loan but repaying the loan amount is such a short span of time is not possible of time? Then how about availing the loan amount for a slightly longer period of time. Yes, its true! We at 18 Month Loan will arrange you an array of short term loan services that will provide you desired cash amount for comparatively longer period of time. So no need to spare any second thought! Just apply with 18 Month Loan and find a deal of your choice in no time.

    18 month cash loans are unsecured short term loans that offer you quick financial assistance ranging from $100-$1500 for the maximum time period of 18 month as per your needs and paying back ability. Besides, you also have the absolute liberty to settle down any of your diversified personal purposes such as pulling out medical bills, car repairs, repairing of broken window’s pane, house rentals, bank overdrafts and so forth without any restriction. Now don’t think much! Apply with 18 Month Loan for payday loans and get rid of all your financial troubles before your next payday.

    We at 18 Month Loan are not concerned about your credit history and neither do we carry out any credit check formalities. So be at ease and apply for same day loans despite of your low credit scores.

    Apply with 18 Month Loan by simply filling our short online application form and avail our free of cost services quickly.



    Ripoff Report


    #beneficial loans
    #

    Don’t let them get away with it! Let the truth be known!

    • Update a Report
    • Program Services
    • Help FAQs
    • Consumer Resources
    • Verified Business Directory
    • Legal Directory
    • Consumers Say Thank You
    • In the Media Repair your reputation the right way Corporate Advocacy Program

    Reputation Management

    Corporate Advocacy Program

    This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

    All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Consumers love to do business with someone that can admit mistakes and state how they made improvements.



    Ripoff Report


    #omni loans
    #

    Don’t let them get away with it! Let the truth be known!

    • Update a Report
    • Program Services
    • Help FAQs
    • Consumer Resources
    • Verified Business Directory
    • Legal Directory
    • Consumers Say Thank You
    • In the Media Repair your reputation the right way Corporate Advocacy Program

    Reputation Management

    Corporate Advocacy Program

    This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

    All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Consumers love to do business with someone that can admit mistakes and state how they made improvements.



    You Asked, We Answered: The Truth About Debt Consolidation Companies


    #loan consolidation companies
    #

    You Asked, We Answered: The Truth About Debt Consolidation Companies

    Regardless of whether you binge on shopping or simply use credit cards to make ends meet, there may come a time when you need a financial intervention to help organize your bills, repay your debt, and improve your finances. For some, debt consolidation is the answer. But before you jump in head first, it s time for a course in Debt Consolidation 101.

    1: When Should You Use a Debt Consolidation Company?

    Debt consolidation combines multiple debts into one, single payment, with the purpose of simplifying your repayment schedule and lowering your overall monthly payment amount. A debt consolidation company may be able to help you pay off your debt more quickly and alleviate some of the stress associated with paying bills. So if you have mounting unsecured debt (e.g. credit card bills, store cards, medical bills, student or personal loans, accounts in collection, etc.), working with a trusted debt consolidation company is something to consider.

    For these plans to work, you should have some form of income. A debt consolidation company will then work with you to craft a repayment plan based on a realistic monthly payment amount you can afford, as well as advocate on your behalf to your creditors and make your debt more manageable.

    2: What Types of Plans are Available?

    There are two methods of debt consolidation. Both methods achieve the same result but differ in their approaches. Your success hinges upon your ability to understand these differences and pick the right plan for your needs:

    • Debt Management – This strategy consolidates unsecured debt into a single monthly payment that you send to a debt consolidation company. That company then distributes the designated funds to your creditors. The debt consolidation company works directly with your creditors to secure benefits that help you fulfill your obligations over time. Such benefits may include interest rate reductions, late and over-the-limit fee waivers, and reduced monthly payments.
    • Debt Settlement – This plan helps people who can t repay their debt in full and facing bankruptcy. Under this arrangement, your debt consolidation company will approach your creditors with an offer to settle your accounts for a portion of the amount owed.

    A good debt consolidation company can help you choose the best plan for your financial situation based on your income level, type of debt, and ability to make consistent payments.

    3: Do All Providers Offer the Same Service?

    No! Just as each person s financial situation is unique, so too are debt consolidation companies. Locate a partner that offers various plans and expertly guides you to the right solution based on your needs, not their balance sheet.

    Call each company you re considering and ask directed questions about their service offerings. Then, compare the fee structure and services of multiple providers so you can assess each company s reputation and accreditations. Identify the pros and cons about both debt management and debt settlement plans so you can determine which service will best help you succeed.

    Additionally, many debt consolidation companies offer more than just service plans, so look for a full-service partner that will not only help get you out of debt, but will also teach you how to remain out of debt in the future. Tools to look for include:

    • Free educational resources
    • Monthly newsletters packed with legislative or regulatory updates and how they may impact your credit standing, expert advice, timely articles about budgeting and other relevant topics, etc.
    • 24-hour account access online or by phone
    • Money management tools ranging from loan calculators to budgeting worksheets and more
    • An online community filled with real advice where you can connect with like-minded people facing similar challenges

    4: Are There Bad Debt Consolidation Companies?

    Yes! Fail to choose the right company and you could end up in a worse situation than when you started. When you begin your research, try a simple online search to help determine which debt consolidation company is the best. You may even enter the search term good debt consolidation company. Just be careful; the results may not be pleasant if you get mixed up with an unethical provider. To prevent this disaster, follow these tips:

    • Don t accept a plan from a company that hasn t reviewed your financial situation.
    • Don t be lured by companies promising government money to erase your debt. There are no government programs that do this.
    • Read proposed fee schedules carefully. New laws prohibit for-profit companies from charging upfront fees. So if this type of provider wants to charge you fees before they have negotiated an agreement with one of your creditors, they re not legitimate. Non-profit companies have been urged to follow this regulation, but aren t forced to, so the bottom line is to be cautious and careful. Read everything and only agree to what seems reasonable.

    5: Is it Important to Work with a Best-Rated Debt Consolidation Company?

    Yes! Accredited debt consolidation companies are a worthy choice. Narrow down your search by identifying trusted debt consolidation companies whose solid reputations will provide creditors with an added sense of security, which will translate into better benefits for you. For example, look for debt consolidation companies that are accredited Better Business Bureau businesses, ask friends, family members and co-workers for recommendations.

    Debt consolidation plans work most effectively when you choose a reputable and accredited company, stick to the plan and, ultimately, address how you got yourself into debt in the first place. After all, you need to retrain your spending habits, better budget each dollar you earn, live within your means, and possibly remove all credit cards from your wallet, so you re not tempted to use them. With the right plan and right debt consolidation company, you CAN survive your debt.

    If you liked this you may also like:

    If you have lots of debt, consolidation may save you time and money. Depending on your financial situation, there may be a solution that s right for you.

    Debt relief comes in many forms- credit counseling, debt consolidation loans, settlement and even bankruptcy. Each solution will help you get out of debt, but the long term impacts and fees can vary greatly. Understand the myth and reality behind your debt relief options.

    Feeling overwhelmed by your debts? Having trouble making ends meet? Unable to get ahead of your credit card debts? A Debt Relief plan may be your solution to getting control of your finances.

    When faced with mounting bills, many consumers explore debt consolidation loans as a way to get their finances back on track as quickly as possible. And while a debt consolidation loan may be a great solution for you, it s important to weigh your options to determine the best plan for you and your specific financial situation.

    There seems to be a running joke that New Year s resolutions never last. (Why else would we have to keep making them every year?) But if you take the right approach to a resolution such as getting out of debt , there s no reason you can t be successful. If you ve been working to get out of debt and are not happy with your progress, or feel that you are starting to backslide, it s probably time to reassess your budget and fine-tune your strategy. The best way to get started is to: get organized, assess your current situation, develop a strategy that works for you, and make sure your goals are realistic.

    Begin our online process to see your personalized savings.



    20 OMNI FINANCIAL complaints and reviews @ Pissed Consumer


    #omni loans
    #

    Omni Financial – Omni Constantly calls about a tax lien that i dont have

    Omni Financial specializes in IRS and state back tax help services. Its tax attorneys are dedicated to finding permanent relief to clients’ back tax burden. The company has been resolving tax problems for over 25 years. OMNI Financial was founded in 1985. Since then it has been offering its help to businesses and individuals with IRS and state back tax problems. Omni Financial provides a wide range of tax debt solutions including long term repayment plans, reducing or eliminating penalties, or helping settle tax debts for a small portion of what the taxpayer owes. Everyone can get a free consultation with lawyers of the company by telephone. Omni Financial is based in Broomfield, CO.

    380 Interlocken Crescent, Suite 800 Broomfield CO 80021

    every few days a rep from omni financial calls me to tell me there is a tax lien on my file, today they called once again and said now there are four tax. Read more

    Omni Financial – Got to us for 30,000 dollars. 5 years got nothing done

    Omni Financial – Rip off BEWARE DO NOT USE THIS COMPANY

    DO NOT USE THIS COMPANY THEY COLD CALLED ME OVER A YEAR AGO SELLING ME HOPES AND DREAMS OF FIXING MY TAX ISSUES. I SPENT WELL OVER $20,000 BETWEEN THIER FEES. Read more



    Wisconsin VA Loan, VA Lending Limits, VA Mortgage Rates in WI


    #va loan
    #

    Wisconsin VA Loans

    Secure a VA Mortgage in Wisconsin

    Veterans who live in the state of Wisconsin can qualify for a Wisconsin VA loan to fund their home purchase or refinance. VA loans are backed by the Department of Veteran Affairs (VA) and offer many benefits to veterans that traditional, conventional loans don t provide.

    What is the VA Loan?

    The VA loan program was created by the government as a way to reward or give back to the men and women who have served this nation by helping them transition into homeownership with a stable foundation and an affordable mortgage. The VA office does not fund the loans itself, though. All VA loans are provided by conventional mortgage lenders. But the backing that the VA offers gives lenders the ability to lower mortgage rates and offer better terms to veterans, making VA loans highly attractive.

    VA Loan Benefits in Wisconsin

    To explore the full range of benefits offered by a VA loan, contact a lender who has specialized in this loan type before. You can get started by filling out the form above. Some of the basic advantages of a VA loan are listed below.

    • VA loans can be taken out with no down payment attached.
    • You don t need to have high cash reserves on hand to purchase a home.
    • You don t need to pay for private mortgage insurance each month. The VA backing is sufficient.
    • You can roll the closing costs of the loan into the loan itself through a seller concession.
    • Credit and income requirements are fair and easy to meet.
    • There are no prepayment penalties attached.
    • You can select the loan term length that best meets your needs.

    VA Loan Requirements and Eligibility

    VA loans are available only to veterans, and while most veterans are able to purchase homes through the VA program, some are not. Speak with a VA loan specialist to determine the exact eligibility requirements you ll need to meet in order to qualify. A certificate of eligibility from the VA office is required. The basic qualification guidelines, however, are outlined below.

    • You must be an American citizen and a veteran of a branch of the US Armed Services.
    • You must have served for at least 90 consecutive days of active duty.
    • You must have been discharged under conditions other than dishonorable.
    • You should have a minimum credit score of 620.

    VA Refinance

    You can use a Wisconsin VA Streamline (IRRRL) refinance to replace your current mortgage with a refinance loan at a better rate. Many veterans are unaware that they can save significant money by pursuing the IRRRL refinance option. If interest rates have fallen lower than they were when you first took out your home loan, you can likely save significant money on your monthly payments and in reduced interest over the term length of your loan.

    The VA Cash-Out refinance is an option which enables eligible borrowers to refinance into a VA mortgage, as well as take out as much as 100% of their current home equity as cash. The funds may be spent on medical expenses, college tuition, home improvements, and more.

    Wisconsin VA Mortgage Rates

    As with any mortgage types, you must perform some research in order to determine the best possible mortgage rates available to you when taking out a VA loan. Mortgage rates are volatile. They differ depending on where you live, the lender you choose to work with, and the state of the mortgage market. Check with several local lenders, more than just one, to get a feel for where rates currently rest. Don t simply select the first lender you contact. Do some research. This is the only way to uncover the lowest mortgage rates.

    VA Lenders in Wisconsin

    The form above will put you in touch with up to four different lenders in your part of Wisconsin who are experts in the mortgage profession. This is where the rubber meets the road. It s time to actually connect with professional and find out what the VA loan can do for you. Don t forget to check up on VA loan limits in your area before you start searching for a home. If you need additional information, contact the Department of Veteran Affairs.

    Wisconsin Military Information

    Currently, Wisconsin maintains one active military facility. This facility is Fort McCoy, which is located east of Sparta. This military base is home to many veterans in the state of Wisconsin. If you re one of them, consider a VA loan to help you purchase your home.