Loan

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Bank of America Personal Loans #instant #online #loans


#bank loans calculator
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Bank of America Personal Loans

Bank of America personal loans are also called as unsecured loans. This means that reposition is not charged if a person does not pay back the loan amount. This makes it more risky for the bank as it might come across some customers who are not in a position to pay back the loan availed. Therefore, personal loans are only given after a thorough check up of the applicant’s credit history. If the BofA finds that the person has had a bad credit in the past, it simply rejects the personal loan application. That is why, availing Bank of America personal loan is made a bit difficult. The bank of America personal loan rates are also higher as compared to other loan rates. In order to be eligible for the personal loan given out by the BofA you will have to fill up an application form available at the bank’s branch.

There are a variety of reasons that the personal loans can be put in to use for. For example, these personal loans can be used in the form of Auto Loans, RV Loans, Boat Loans, Aircraft Loans, Practice Loans for dentists, physicians, veterinarians, access loans for people suffering from any kind of disabilities, wedding purposes, health care, planning a holiday, home improvements – furnishing or renovation purposes and so on. People may put to use the Bank of America personal use for any of the mentioned purposes or any other personal reasons. You will have to mention the reason of availing this loan to the bank. The bank will keep the reason confidential and you need not worry about it. The bank needs to know the reason for its official purposes.

Bank of America Personal Loan Application

Bank of America Personal Loan Rates



Cash Advance America – Advance Fee Scam #loans.com


#cash advance
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Cash Advance America – Advance Fee Scam

Updated: February 02, 2015

Originally posted: October 26, 2012

Also Doing Business As:

  • Advance America
  • Advance America Payday Loans

The Washington State Department of Financial Institutions (DFI) has received reports of apparent scams conducted by people claiming to represent Advance America, Cash Advance America, and Advance America Payday Loans.

Numerous consumers received phone calls from people claiming to represent Cash Advance America and Advance America Payday Loans where the callers offered loans in exchange for an upfront fee. Although several consumers never applied for a payday loan, the callers insisted that they were calling to discuss the consumers’ online payday loan applications. One consumer reported that, when she refused to wire money to the caller, the caller threatened legal action against her. Several other consumers paid the upfront fee, but did not receive the loan promised. At least one consumer also received a similar loan offer via e-mail.

Additionally, one Washington consumer has reported receiving multiple harassing collection calls from a person claiming to represent Cash Advance America. The caller claimed that the consumer owed debt for a 2007 payday loan, but refused to provide any other details about the debt. The consumer reports that he did not take out any payday loans in 2007.

Cash Advance America and Advance America Payday Loans are associated with the following contact information:

206-855-3292

206-973-2544

254-212-1137

315-625-1913

321-576-1077

360-362-5979

707-533-1466

716-240-0028

818-570-6222

Cash Advance America and Advance America Payday Loans are not licensed by Washington State of Department of Financial Institutions to provide loans. They are also not licensed to do business in Washington State.

There is a company called Advance America that is licensed by the Department to provide payday loans. However, this licensed company is not related to the apparent scams described above.

Verify License

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the Verify a License feature on the DFI s website at www.dfi.wa.gov/consumers/findcompany.htm.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP, or online at www.ftc.gov.

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers’ places of employment.

Report Fraud

Washington State residents. if you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357) or online at www.ftc.gov ; or contact the Consumer Financial Protection Bureau (855) 411-CFPB or online at www.consumerfinance.gov. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.



Bank of America Personal Loan Application #consolidate #loans


#online personal loan
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Bank of America Personal Loan Application

Bank of America Personal Loan Application can be made online or simply by visiting the nearest banking center in your area. Being one of the leading banks in the United States, Bank of America offers a wide variety of banking products and financial services to millions of customers in the U.S. and various other countries of the world. To those who are in need of financial assistance the bank offers a range of personal loans. Some of the popular personal loan programs offered by Bank of America include auto loans, RV loans, boat loans, aircraft loans, practice loan, access loans, etc.

To check your Bank of America personal loan application status, you can sign in and view your personal loan decision by providing you e-mail address, social security number and your mother’s maiden name on the space provided on the bank website. Personal loan qualifications are based totally on the income status, repaying ability and the credit history of the applicants.

Your loan application will be verified for authenticity of the details provided by you. Only after the approval of your personal loan application, the loan amount will be offered to you. You are not required to pay any processing fee while making your loan application. You can obtain Bofa personal loans for a number of purposes such as home renovation, planning a wedding, vacations, debt consolidation and paying your child’s education fees.

Personal loans offered by Bank of America are unsecured types of loans and the applicants are not required to put any collateral as security against the loan amount. There is a certain amount of risk involved in this loan types as there is no collateral to cover the loss when borrowers are unable to make timely payments. So the credit worthiness and the present income status of the applicants play significant role in the approval of the personal loans. So it is quite difficult for a borrower with bad credit history to qualify for these loan options.

Website: http://www.bankofamerica.com/vehicle_and_personal_loans/



Bank of America Loans #loans #today


#bank loans for bad credit
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Bank of America Loans

Bank of America is a global presence. They were the financial group that funded Walt Disney s building of Disneyland, they have funded many of the most successful movies, and they are behind one out of every five small businesses in the nation. Needless to say, Bank of America knows what they are doing involving personal banking, commercial banking, wealth management, investing, and mortgage products and services. Bank of America s Mortgage division has a revolutionary website that allows potential customers to obtain rate quotes and pre-qualify for loans. They also employ a team of qualified mortgage experts that will assist you in finding the mortgage option that is right for your individual needs. Bank of America boasts:

  • Fixed and Adjusted Rate Mortgages
  • Combination Loans
  • 15-year Mortgages
  • First-time Homeowner Programs
  • Refinancing Programs
  • Second Mortgages
  • Home Equity Loans and Lines of Credit

Bank of America Bad Credit Mortgage Options

If your credit isn t perfect, you are not alone. Millions of Americans have been faced with troublesome times in which they were forced to fall behind. Fortunately, it is much easier to get ahead than many people think. Begin to pay your bills on time each month, and pay more than the minimum on credit cards each month. These two simple steps will quickly increase your chances at being granted credit. When you are ready to apply for a new home loan, lenders will look favorably upon consistent improvement each month. Many lenders, like Bank of America, have programs available that will approve and assist customers with credit problems. They have flexible refinancing and home equity packages available that will help you pay off high interest bills while giving you the opportunity to begin making payments responsibly each month. Bank of America also has programs for people who need help with their down payments and first-time homeowners.

Bank of America Recent News



Holiday Loans – Midwest America FCU #student #loans #payment


#holiday loans
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MidWest America federal credit union

Need some Holiday help? We offer Holiday Loans!

MidWest America is offering holiday loans to help you deal with the stress of the holiday season. Apply today and receive $1,000 or $1,500 for 12 months or $2,000 for 18 months. This type of loan has a lower rate than most personal loans and is easy to pay off with low monthly payments.

For example, the APR on $1,025 loan is 10.61% based on a rate of 5.99% with a $25 documentation fee, resulting in an approximate payment of $88.20 per month. Likewise, the APR on $1,525 loan is 9.06% based on a rate of 5.99% with a $25 documentation fee, resulting in an approximate payment of $131.22 per month. The APR on $2,025 loan is 7.57% based on a rate of 5.99% with a $25 documentation fee, resulting in an approximate payment of $117.89 per month Hurry, this offer is only available for a limited time!

APR = Annual Percentage Rate. This offer is valid for a limited time only. All loans are subject to credit approval. Relationship Perks do not apply.



Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies – The Onion – America s Finest News Source #same #day #loans


#loan shark
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Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies

PHILADELPHIA Frankie “The Gorilla” Pistone leans wistfully on his bat. Then, without warning, he picks it up, swinging it furiously toward his deadbeat client’s leg. Just before the Louisville Slugger makes contact with the man’s kneecap, he pulls back, as only a real pro can, leaving the $250-in-the-hole man gasping in fear and relief. “Just get it to me by tomorrow, because next time, I ain’t gonna let up,” Pistone says.

Loan shark Frankie Pistone, whose way of life is endangered by the likes of American Express.

As the thankful man scurries off, Pistone pulls the cigarette out of his mouth and drops it to the ground. “I’m going to miss this,” he says.

Frank Pistone is part of the dying breed known as the American Loan Shark. Not so long ago, the loan shark flourished, offering short-term, high-interest loans to desperate people with nowhere else to turn. Today, however, Pistone and countless others like him are being squeezed out by the major credit-card companies, which can offer money to the down-and-out at lower rates of interest and without the threat of bodily harm.

“It’s a damn shame,” said Joseph Stasi, 61, a South Philadelphia loan shark whose business is down 90 percent from its mid-’70s heyday. “These days, there’s just no place for the small businessman. My kind, we just can’t compete with the Visas and MasterCards of the world.”

“The old customers don’t come ’round here no more,” said Felix Costa, 59, speaking from the Elizabeth, NJ, pool hall that has served as his place of business since 1972. “Time was, a guy who needed a quick $400 for a new refrigerator or some car repairs would come straight to me. Now, he just puts it on his Discover card.”

Though their client lists are dwindling, the loan sharks still have their champions.

“Call me old-fashioned, but I prefer the loan sharks to the credit-card companies,” said Gene Hobson of Detroit. “When I borrow money from Three Knuckles Benny, I know there’s going to be a personal touch, whether it’s a dead animal on my doorstep or one of my kids coming home with a missing toe. The credit cards just don’t give you that sort of individualized attention. And, if you’re late with them, it’s a form letter and maybe maybe an irate call from the accounts-receivable department.”

“With our overhead, we need to charge a 50 percent weekly interest rate just to break even,” said a Chicago loan shark who identified himself only as “Johnny Toothpick.” “We’ve got rent, pay-offs, and switchblade maintenance, not to mention travel expenses. How can we compete with rates as low as 18 to 26 percent a year?”

Continued Toothpick: “These [credit-card companies] are monsters. They care nothing about the damage they’re doing to the American landscape by driving us out. Loan sharking was about more than giving people money and roughing them up when they didn’t come through. It was about ruffling a kid’s hair on the street, helping out a local fella who needed a break, and occasionally letting somebody off easy with just a couple of punches to the gut instead of a glass-filled sock to the face. It’s a unique part of our shared national experience that, once extinct, will never come back.”

With nearly 200,000 new credit-card solicitations going out every week, the loan sharks have little hope of regaining the ground they’ve lost.

“We were going by word of mouth, and we did pretty good around the neighborhood,” Pistone said. “But these credit cards? With direct mail and the Internet, they reach a customer base we can only dream about. In this business climate, how can a small, independent goon possibly compete?”



Online Car Title Loans Made Easier Through Loans of America – Loans of America #best #home #loan


#online title loans
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Loans of America in the Press

Press releases and media contacts for Loans of America

Getting Car Title Loans Online With Bad Credit Becomes Easier With Loans of America

New website offers consumers alternatives for those who cannot get a

traditional bank loan

June 22, 2011

Boca Raton, FL Loans of America, a leading provider of online car title loans. is announcing the launch of their new website. The company is able to help people with bad credit use a car title loans to get money fast and easy. The new website will allow people to apply online in just a few simple steps. This process will allow people to receive funds in as little as 90 minutes.

With Loans of America, getting a car title loan online is easy and convenient. You can simply visit the new website, fill out the application form and get an answer in a few minutes. Or you can just call and apply over the phone. This is unlike other loans where you must have a face to face meeting, background checks and credit reviews. The loan is based on the equity of the vehicle, so those with bad credit are eligible for car title loans.

“Many people need money quick to pay off debt, buy clothes and in some circumstances they need money to pay bills. We think a loan shouldn’t be difficult, and we are here to help someone in a dire time of need,” said the CFO of Loans of America. Going online for car title loans can take only a few minutes, and a person can have their money in as little as 90 minutes.”

About Loans of America

Loans of America is a consumer finance company that provides immediate short-term cash loans on vehicles. The founders of Loans of America have been successfully providing long and short-term consumer loans for over 11 years to individuals with good, little or less-than-perfect credit. A short-term cash loan is based on the equity of the vehicle, not on the customer’s credit-making it easier for those with bad credit to go online and get car title loans. Loans of America is the longest standing provider of its kind. For more information please visit www.LoansofAmerica.com .



Best band website design #cruise #america #rv #rentals, #rv #for #sale, #four #winds #motor #homes, #motor #home #sales, #rv #rentals, #rv #inventories #


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Signs

Signarama is a full service sign center that can help with any type of project, whether it is temporary signs for an occasion or a permanent stone monument for a business. We can help direct traffic and advertise for a community event or brand and create a street presence for a new business.

Our professional staff can help define the material, size, color and location of your signage based on the scope of your event or project.

Building Directory Signs

Yard & Real Estate Signs

Banners

Decals

Signarama is the place to call for all varieties of custom decal stickers designed to get your message across right where you need it. Custom decals from Signarama include a world of shapes, materials, sizes, colors, typestyles or fonts or special features. The many uses of decals range from stickers for a Blood Drive to a logo on a Basketball floor.

More custom decals applications:

Letters for vehicle windows

Store front windows

OSHA safety decals

Custom decals promoting store or event

Our experts will work with you to achieve the look you are after to help you design decals that differentiate you from the competition. Our efficient approach means that your custom decal sticker products will be on time and to your satisfaction.

Call Signarama Today!

Visit Full Site 2017 Signarama. All Rights Reserved.

Vehicle Signs

Vehicle wraps are the most impactful way to create a buzz for your advertising message on the street. No other form of advertising has a lower cost per impression, which can generate thousands of impressions daily.

Signarama designs and installs vehicle graphics on your company trucks and cars. Our range of designs can consist of simple lettering to full color vehicle wraps, partial vehicle wraps, and magnetic signs .

Our Signarama sign centers have the capabilities of lettering small passenger cars, trucks, box trucks, vans, buses, trailers and boats .

We also have marine grade printable vinyl that can be used to customize boats. Boat graphics can also range from individual letters to a full boat wrap.

Whether you have a fleet of vehicles or a start-up company, we can help advertise your company clearly and artfully to thousands of your customers a day.

Call Signarama Today!

Visit Full Site 2017 Signarama. All Rights Reserved.

Letters – Illuminated Signs

Lettering can be created out of various materials and in different styles. Some of these materials are metals, foam, wood, plastic and vinyl. Choosing the correct material and style for your project is very important.

Metal dimensional letters can often times convey a sense of integrity and permanence to customers. Plastic and foam letters are easily customized and do an excellent job of identification.

Vinyl letters can be used for windows, vehicles and boats. Restaurants, taverns, stores, even tanning salons are frequent purchasers of Signarama Custom Channel Letters.

Whether you are looking for dimensional letters, channel letters or wall letters, Signarama is your one-stop shop who will tailor to your sign needs!

Visit Full Site 2017 Signarama. All Rights Reserved.

Sidewalk Signs

Our sidewalk signs are powerful displays that bring the message to your customer right on the street! Signarama creates and sells many A-frame signs, temporary signs, sandwich boards, and other outdoor durable products to help you promote your business or products. These products are custom made, yet affordable and specific to your needs. Our expert designers and state of the art equipment allows us to offer a large variety of sign products that are commonly classified as Signarama sidewalk signs.

Visit Full Site 2017 Signarama. All Rights Reserved.

Buy a Franchise

Signarama has been at the forefront of this growth, successfully franchising the full-service sign center concept for more than 25 years. Being the #1 sign franchise in the world has its advantages, Signarama has the largest support team and state-of-the-art training facility in the industry, has been ranked the #1 franchise in the industry for eight consecutive years by Entrepreneur magazine, and is the only franchise ever to receive the prestigious “E” Award given by the U.S. Department of Commerce and the President of the United States.

Visit Full Site 2017 Signarama. All Rights Reserved.

Custom Sign – Create

At Signarama, we understand that your requirements can demand “custom” that goes beyond the visual appearance of your sign. Whether you need to use Earth-friendly and sustainable products, indoor or outdoor, permanent or temporary, Signarama custom sign solutions will answer the demand.

Many businesses and individuals rely on Signarama for their custom signs, including:

Real estate agents

Hotels and hospitality businesses

Sports and sporting goods

Call Signarama Today and you will understand why Signarama is the worldwide leader in custom signs and sign products for over 25 years!

Visit Full Site 2017 Signarama. All Rights Reserved.

Trade Show Displays

Signarama Pop up displays and retractable banner stands have become the top choice for many exhibitors because they are lightweight and durable. Signarama appeals to the frequent exhibitor because of the versatility and portability features of our pop up displays and retractable banner stands.

Whether you need a floor model or one for a tabletop, pop up trade show displays come in a variety of sizes and shapes, including straight, curved, serpentine, and more. We have several different custom pop up displays that are easily transportable in convenient carry cases, and are very simple to assemble. In fact, they set up in minutes!

Stand out at your next trade show or event with our Pop up displays and retractable banners from Signarama!

Visit Full Site 2017 Signarama. All Rights Reserved.



Top 10 Best Finance Apps for Android #best #finance #apps #for #android #2013, #best #finance #apps #for #android, #best #finance #apps #for #android #tablet, #best #finance #apps #for #android #phones, #best #financial #apps #for #android, #best #financial #news #apps #for #android, #best #financial #planning #apps #for #android, #best #personal #finance #apps #for #android, #finance #apps #for #android, #finance #apps #for #android #phones, #finance #apps #for #android #tablets, #finance #apps #for #android #market, #android #finance #apps #free, #android #finance #apps, #android #finance #apps #2013, #free #finance #apps #for #android, #free #finance #apps #for #android #tablets, #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android, #download #free #finance #apps #for #android #tablets, #download #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android #mobile, #top, #best, #free, #finance, #apps, #android, #2013, #top #finance #apps #for #android, #top #finance #apps #for #android #2013, #top #10 #finance #apps #for #android, #bank #of #america #android #app #on #google #play, #chase #android #app #on #google #play, #discover #android #app #on #google #play, #e-trade #android #app #on #google #play, #geico #android #app #on #google #play, #google #finance #android #app #on #google #play, #google #wallet #android #app #on #google #play, #mint #android #app #on #google #play, #paypal #android #app #on #google #play, #usaa #android #app #on #google #play, #bank #of #america #android #app, #chase #android #app, #discover #android #app, #e-trade #android #app, #geico #android #app, #google #finance #android #app, #google #wallet #android #app, #mint #android #app, #paypal #android #app, #usaa #android #app, #bank #of #america, #chase, #discover, #google #play, #e-trade, #geico, #google #finance, #google #wallet, #mint.com, #paypal, #usaa


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Top 10 Best Finance Apps for Android

Chase Mobile lets customers manage their banking 24/7 from their phones. View accurate account balances and viewing history, transfer funds between both savings and checking accounts, and make quick deposits no matter where you are. Search for the nearest Chase bank branch and ATMS. Connect with Chase representatives while on the go. You can download Chase Mobile from the Google Play Store here.


Bank of America Personal Loans #payday #loans #for #people #on #benefits


#bank loans calculator
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Bank of America Personal Loans

Bank of America personal loans are also called as unsecured loans. This means that reposition is not charged if a person does not pay back the loan amount. This makes it more risky for the bank as it might come across some customers who are not in a position to pay back the loan availed. Therefore, personal loans are only given after a thorough check up of the applicant’s credit history. If the BofA finds that the person has had a bad credit in the past, it simply rejects the personal loan application. That is why, availing Bank of America personal loan is made a bit difficult. The bank of America personal loan rates are also higher as compared to other loan rates. In order to be eligible for the personal loan given out by the BofA you will have to fill up an application form available at the bank’s branch.

There are a variety of reasons that the personal loans can be put in to use for. For example, these personal loans can be used in the form of Auto Loans, RV Loans, Boat Loans, Aircraft Loans, Practice Loans for dentists, physicians, veterinarians, access loans for people suffering from any kind of disabilities, wedding purposes, health care, planning a holiday, home improvements – furnishing or renovation purposes and so on. People may put to use the Bank of America personal use for any of the mentioned purposes or any other personal reasons. You will have to mention the reason of availing this loan to the bank. The bank will keep the reason confidential and you need not worry about it. The bank needs to know the reason for its official purposes.

Bank of America Personal Loan Application

Bank of America Personal Loan Rates



Bank of America is offering cheap car loans #student #loan #without #cosigner


#cheap car loan
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Bank of America is offering cheap car loans

By: Margarette Burnette, October 22nd 2014

Bank of America is offering good deals on auto loans this fall, with rates starting as low as 2.34% APR on 60-month financing for new cars and trucks.

That’s what you’ll pay if you have a checking or savings account at the nation’s second-largest bank. If not, you’ll be charged a slightly higher 2.49% APR.

Both of those rates are considerably lower than the national average for 60-month loans — 4.02% APR, according to our latest survey of major lenders.

Borrow $25,000 for five years at 2.49%, and you’d pay $444 a month. Finance the same amount at the national average of 4.02%, and the monthly payment would jump to $461 a month.

Over the course of the loan, you’d save just over $1,000 in interest charges.

What really got our attention are the bank’s used car loans. You can borrow money to buy preowned autos and trucks for as little as 2.49% APR over five years with the customer discount, or 2.64% APR for non-account holders.

Most lenders charge much higher rates for used-car financing. In fact, our survey average for preowned auto loans is currently 4.73% APR. And that’s just for three years.

Search our database of the best auto loan rates from dozens of other lenders in your area to see if you can find a better deal.

Then, you can use our auto loan calculator to help you budget your monthly payment.

These loans are only available for vehicles sold through new-car dealers, and you’ll need good credit to qualify for the lowest interest rates. You have the best chance of qualifying if your FICO credit score is in the mid-700s and up.

You can apply online at Bank of America and receive a decision in as little as 60 seconds. There is no loan documentation fee.

Knowing about a deal like this makes it much easier to judge any loan you’re offered by a dealer’s finance manager.

If he or she can beat Bank of America’s terms, then you’ll know you negotiated a real bargain. If not, you can go with the bank’s offer.

If you’re planning to buy a new car soon, our 5 simple steps to the best deal on a new car or truck can help you shop with confidence.

If you’re shopping for a preowned car, follow our 10 smart moves for buying a used car to help you avoid costly traps.



Bank of America #fafsa #loans


#rv loan rates
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Helping you succeed. The unique demands of your business call for a partner that understands the RV industry and delivers the accounts, services and advice you need.

Discover Dealer Financial Services

Get the most out of what Bank of America Merrill Lynch Dealer Financial Services has to offer. You can access:

  • Online services . Learn more about how to use our site, how you can access your floor plan online, and how we keep your information secure. You can also take a demo.
  • Retail . Get complete information on the retail financing available through Bank of America Merrill Lynch.
  • Business . Learn more about the Bank of America business accounts and services available to you, including treasury management, merchant services, card services and personal banking.
  • More for you

    • About us . Learn more about Bank of America Merrill Lynch.
    • Contact us. Locate a Bank of America Merrill Lynch Client Manager in your area.


    IDB – Structured and Corporate Finance Department – Inter-American Development Bank #structured #and #corporate #finance #department, #large #infrastructure #projects, #latin #america, #caribbean, #non-sovereign #lending


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    Structured and Corporate Finance Department

    Supporting medium to large scale sustainable private sector projects in Latin America and the Caribbean

    The IDB Group’s Structured and Corporate Finance Department (SCF) leads all non-sovereign guaranteed operations for large infrastructure projects, financial institutions, capital markets, trade finance, companies, and state-owned enterprises in a broad range of economic sectors.

    Through its syndication program, SCF plays a catalytic role, helping mobilize resources from third parties by partnering with commercial banks, institutional investors, co-guarantors, and other co-lenders for projects with high developmental impact. As an impact investor itself, SCF partners with other impact investors to provide loans and partial credit guarantees for the projects it finances.

    SCF provides tailor-made medium- and long-term direct loans, guarantees and technical assistance in the form of non-reimbursable financing for large companies and eligible state-owned enterprises without a sovereign guarantee, financial institutions with assets above US$500 million as well as investment funds with operations and projects in one of the IDB’s 26 borrowing member countries in Latin America and the Caribbean .

    SCF supports both project financing for greenfield and expansion projects through loans and guarantees and corporate financing for expansions and modernizations. The sectors in which SCF works include, among others: energy, transportation, water and sanitation, energy efficiency, recycling, agribusiness, sustainable natural resources, healthcare, education, and tourism.

    For financial institutions and investment funds, SCF invests in high social impact sectors such as housing and micro, small, and medium-size enterprises. By incorporating environmental viability, social inclusion, transparency and accountability practices in the financial sector, SCF supports a new regional banking system that balances financial and non-financial returns on investments, expand access to credit, champions climate conscious leadership, and promotes innovative business practices.

    Moreover, it has developed beyondBanking. a program with special sustainability lines for financial intermediaries in the areas of energy efficiency, renewable energy, and waste and water treatment and technical cooperation programs aimed at promoting sustainable environmental, social and corporate governance principles within financial intermediaries in the region.

    Through the Trade Finance Facilitation Program. SCF supports international banks to access the Latin American and Caribbean market while allowing regional banks to onlend to other regional issuing banks. The TFFP program plays a pivotal role in stabilizing trade finance flows, opening markets to smaller players and promoting South-South trade. The TFFP program provides guarantees to cover the commercial and political risk of nonpayment by the issuing bank on trade-related instruments, and provides specialized training to trade finance banks and their clients.

    SCF finances between 25 percent and 40 percent of the total cost of a project, providing up to $200 million in financing. On an exceptional basis, it can increase its financing to up to $400 million. Technical assistance usually ranges between $100,000 and $1.5 million.

    In the framework of private sector projects there are some consulting opportunities at SCF for general due diligence studies related to non-sovereign guaranteed operations as well as social and environmental due diligence of projects.



    ALTA MULTIMEDIA #alta #multimedia, #seo, #posicionamiento #en #buscadores, #páginas #web, #pagina #web, #paginas #web, #marketing #digital, #dtps, #web, #ecomerce, #tienda,virtual, #diseño #web, #páginas, #posicionamiento, #resultados #en #los #buscadores, #buscadores, #indexacion, #dominios, #hospedaje, #un #sitio #en #internet,internet, #webmaster, #optimizadas, #optimizacion, #instalacion, #redes, #alambrica, #inalambricas, #alambricas, #inalambrica, #cableado, #estructurado, #voz, #datos, #reparacion, #computadoras, #laptops, #nettop, #computadora, #cambio,empresa, #mexicana, #mexico,méxico,usa, #america, #exito,calidad, #soluciones #ti, #instalción,reparación, #configuración, #actualización, #mantenimiento,dominio, #sistemas, #proyecto, #email, #messenger, #facebook, #distrito #federal, #ecomerce, #negocios, #ventas, #publicidad, #internacional,vigilancia,seguridad,accesorios, #satelite, #tlalnepantla, #atizapan, #satelite, #sona #metropolitana, #d.f., #df,cuautitlan, #empresa, #empresas, #ventas, #aumentar #


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    Marketing Digital

    Agencia de Marketing Digital en México

    Millones de personas en México. están buscando en línea a través de Google en este momento los productos o servicios que usted y su competencia ofrecen, por lo que el marketing tradicional no es suficiente para proyectar su negocio. Estar o no estar en Internet hace la diferencia. AltaMultimedia es una agencia de marketing digital que trabaja en soluciones integrales que le ayudarán con creatividad a desarrollar el posicionamiento de su marca, Generar oportunidades de clientes potenciales o prospectos para sus productos o servicios, poniéndolo frente a clientes actuales y potenciales, justo en el momento de tomar una decisión. Hacemos de su marca en línea algo memorable y rentable.

    Nuestros clientes comparten sus experiencias, están completamente satisfechos

    ALTAMULTIMEDIA inició sus operaciones el 20 de febrero de 1987, dedicándose al Mantenimiento. Desde entonces nos hemos fortalecido trabajando al ritmo en que la tecnología se ha desarrollado, adquiriendo habilidades y experiencias en el campo de la informática que entonces y hoy nos permiten ofrecer servicios y productos de excelente calidad para satisfacer las necesidades del mercado.

    A partir del 2012 hemos ampliado nuestra empresa abriendo una compañía en Miami, Florida USA.

    Nuestra misión es actuar como agente de cambio para nuestros clientes al optimizar su tiempo y recursos a través de soluciones integrales para la utilización eficiente de tecnología y automatización de procesos con estrategias alineadas al plan y los objetivos de negocios.

    SEGMENTOS DE MERCADO

    Gracias al Posicionamiento web SEO en los resultados de los buscadores de internet. Al tener su página en los primeros resultados de Google, Yahoo y muchos otros, aumentara exponencialmente sus visitas y gracias al Marketing de Alta Multimedia podrá convertir fácilmente esas visitas en clientes ya que esas visitas llegaran a su sitio por que están en busca de sus productos o servicios.
    Todas las personas y empresas que ofrecen sus productos o servicios, son altamente beneficiados con el SEO.

    Compartimos contigo algunos proyectos desarrollados para mejorar o crear una página web. que han cumplido con su finalidad de ser el mejor medio de publicidad. llevando a estas empresas a aumentar sus ventas; así como clientes de pólizas de mantenimiento de equipo que mantienen las operaciones con bajo riesgo y alta operatividad.

    SEO EN MEXICO

    ¿Qué es Tecnologías de la Información?

    Tecnologías de la Información (TI) se entiende como aquellas herramientas y métodos empleados para recabar, retener, manipular o distribuir información. Tecnologías de la información se encuentra generalmente asociada con las computadoras, handles, smartphones, ipads, tablets, equipo de impresión, redes, software, sitios web, paginas web. intranets, que facilitan la toma de decisiones.

    LA CREACIÓN DE LA PÁGINA WEB PERFECTA PARA SU EMPRESA

    La página web perfecta para su empresa, muestra al internauta el espíritu y magnitud de su compañía. Mediante el diseño gráfico, dará a conocer su gama de servicios, y venderá por usted, mostrando como estos productos o servicios beneficiarán a su cliente. Atraerá trafico interesado en sus productos o servicios desde los buscadores, con una campaña SEO.

    Search Engine Optimization o Posicionamiento en Buscadores de un sitio o pagina web. Lo que parece una sencilla definición acaba siendo un conjunto de acciones, tareas y relaciones entre profesionales con distintos perfiles dentro del marketing online. Leer más.

    Paginas Web SEO y DtPs para crecer de manera constante y confiable

    Servicios de Marketing Digital

    Filtros NIKKEN México

    Consultoría de Marketing Online en México

    No sólo hacemos cosas, sino que las cosas que hacemos son productivas y rentables para su empresa. AltaMultimedia es una empresa de consultoría web en México que cuenta con más de 25 años en el mercado. Nuestro trabajo será apoyarle en su proceso de marketing digital y lograr juntos resultados tangibles que aumentarán y mejorarán los resultados obtenidos a través del medio digital. Aumento de clics, prospección y ventas.

    Consultoría en temas tales como:
    SEO, SEO en México, somos especialistas en Posicionamiento web México, además de SEO México también tenemos un área especializada en Instalación de redes, otra de diseño de páginas web.

    Consolidando nuestro compromiso de ser su mejor opción en posicionamiento web en México, siendo una excelente agencia seo en México, no solo encargándonos del posicionamiento seo México también del diseño WEB y los servicios seo correspondientes.

    Nuestra gran experiencia en el posicionamiento seo en mexico nos llevó al desarrollo de una nueva técnica de posicionamiento digital progresivo que bautizamos DtPs, esta nos pone a la cabeza de las agencias SEO ya que al día de hoy no tenemos competencia alguna, si usted busca SEO DF

    considere nuestra asesoría posicionamiento web, sin duda lograremos el posicionamiento web con nuestro SEO en México aumentando su prospección y ventas de todo con nuestro servicio de posicionamiento web, posicionamiento web seo mexico.

    Compárenos con las supuestas empresas seo en mexico y descubrirá que no son empresas nacionales así que si busca empresas de seo en mexico no continúe pues ya nos encontró somos su agencia de Consultoria web en mexico.

    Links Recíprocos



    SUV Review: 2017 Hyundai Santa Fe XL Limited #road #test, #ann #arbor, #apple #ipod, #automotive #engines, #automotive #reviews, #automotive #technology, #bluetooth #sig #inc., #canada, #cars #and #car #design, #culture #and #lifestyle, #ford #explorer, #gmc #acadia, #honda #motor #co. #ltd., #honda #pilot, #hyundai #america #technical #center, #hyundai #motor #company, #kia #sorento, #land #rover #group #ltd., #michigan, #natural #resources #canada, #new #york #international #auto #show, #nissan #pathfinder, #santa #fe #xl, #science #and #technology, #suvs #and #crossovers, #technology, #toyota #highlander, #united #states


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    SUV Review: 2017 Hyundai Santa Fe XL Limited

    A mild refresh for Hyundai’s mid-sized SUV

    Pros Good power, roomy, easy to drive

    Cons Not as stylish as smaller Sport version, cabin environment still bland

    Value for money Good

    What would I change? Bling up the cabin with a splash of colour and better quality materials

    How I would spec it? XL Luxury 6-passenger ($42,599)

    Not normally given to hyperbole, Hyundai Auto Canada is nonetheless stretching the definition of the word “extensive” in announcing the changes made to the largest model in its lineup, the mid-sized Santa Fe XL sport-ute. And, talk about getting a jump on the year, said refreshed XL is being released as a 2017 model.

    Local Pricing Incentives

    It’s not that I’m making light of the popular three-row SUV; it’s just that these revisions are really subtle — at least to someone not intimately connected with the South Korean automaker. Of course, another way of looking at it is that Hyundai is confident it got the essentials right when it initially launched the XL for the 2014 model year, and the 2017 version’s “fluidic sculpture” styling merely needs a tweak here and there to be competitive with its rivals. Speaking of which, these would include other three-row models such as the Toyota Highlander. Nissan Pathfinder. Honda Pilot. Kia Sorento. Ford Explorer and GMC Acadia .

    For those with keen eyesight, exterior changes to the biggest Santa Fe — there’s also the smaller, five-passenger Sport version — include new headlights, grille, taillights, bumpers, wheel design and standard LED daytime running lights (with aerodynamic vents that improve airflow by shuttling air around the front wheels). Inside, there’s a new centre stack (that looks a lot like the old centre stack) with a standard five-inch LCD touchscreen, plus an “extensive” list of new features.

    2017 Hyundai Santa Fe XL Limited

    What hasn’t changed is the powertrain. There’s nothing fancy here — no turbocharged four-cylinder or hybrid setups — just the Lambda II 3.3-litre DOHC V6 with gasoline direct injection that pumps out a solid 290 horsepower and 252 lb.-ft. of torque. Interestingly, even though the XL is built in Korea, the engine was tuned at the Hyundai America Technical Center in Ann Arbor, Michigan, to ensure “it suits the preferences of North American drivers.” If that means something that will haul, the XL delivers; its maximum towing capacity of 2,268 kilograms (5,000 pounds) is ideal for pulling weekend toys.

    RELATED

    It also provides the 1,840-kilogram all-wheel-drive SUV (1,784 kg for the base front-drive model) with decent zip — instrumented testing done a couple of years ago had the XL accelerating to 100 km/h in 8.4 seconds and pulling off an 80-to-120 passing move in 6.6 seconds. Given no change in the powertrain and no weight gain, the 2017 version should post an identical result.

    2017 Hyundai Santa Fe XL Limited

    As in the Santa Fe Sport, XL models now come with Drive Mode Select, which adjusts the steering, throttle and six-speed transmission in response to whichever of the Sport, Eco, or Normal settings is preferred. There’s nothing extreme here; it’s a fairly mild progression between each setting.

    The V6 is mated to a six-speed automatic with Shiftronic manual mode. All models feature an ActiveEco system that modifies engine and transmission control to smooth out throttle response and, says Hyundai, increase real-world fuel economy by up to seven per cent. For all that, my test average of 16.5 L/100 km — predominantly suburban commuting — was no better than most SUVs the size of the XL.

    2017 Hyundai Santa Fe XL Limited

    All trim levels save the base model get Hyundai’s advanced active AWD system, which activates automatically as needed, apportioning power in order to optimize traction. Under normal conditions, it distributes power to the front wheels only. While it might lack the sophistication of AWD systems in such legendary off-road brands as Jeep and Land Rover, it worked just fine during a day of freezing rain and ice. The AWD system incorporates Active Cornering Control, part of the vehicle stability management system, which helps the XL manage acceleration in a corner. To improve traction and cornering performance, braking force is applied to the inside rear wheel when accelerating through a turn.

    Ride and handling is quite satisfactory for a sport-ute, though nothing extraordinary. All Santa Fes, big and small, have a MacPherson strut front suspension and a fully independent multi-link rear suspension, with stabilizer bars at both ends.

    2017 Hyundai Santa Fe XL Limited

    The XL increases second-row legroom by 50 millimetres and cargo capacity by 240 litres relative to the five-passenger Santa Fe Sport. Standard for the XL is a 40/20/40 split-folding second-row bench seat for seven-passenger capability. Optional, as in the case of the tester, is a six-passenger layout with second-row captain’s chairs. Access to the third row — a 50/50 split-folding bench seat — is tight, and, with just 800 mm of legroom, the back row is best left to the young and flexible.

    RELATED

    New for 2017 is the Ultimate model, which, as its name obviously suggests, is the top-end trim, with all the bells and whistles. The tester was a Limited, the next-highest model, still fully featured with the usual modern conveniences, including heated/ventilated front seats, heated steering wheel, 12-speaker premium audio system, eight-inch high-resolution touchscreen with navigation system and Android Auto, blind-spot detection, sunroof, rear-passenger HVAC controls and vents and much more.

    2017 Hyundai Santa Fe XL Limited

    One thing Hyundai still hasn’t quite got a grasp on is a cabin “presence” befitting a vehicle priced at more than $44,000. Layout is still heavily skewed toward function, with a black plasticky interior bordering on the dull. On the plus side, the dash layout has a nice design to it and features big and well-marked buttons and knobs to handle the various functions.

    The Santa Fe XL is easy to drive and is a competent all-around, four-season family vehicle. Yet, despite the makeover, it’s looking a little ordinary up against the likes of Honda ’s redesigned 2016 Pilot and the just-unveiled — at the New York Auto Show — 2017 Toyota Highlander. The upshot is that while it should still be on the list for those shopping three-row SUVs/crossovers, it shouldn’t be the only model there.

    2017 Hyundai Santa Fe XL Limited



    Bank of America Personal Loans #personal #loan


    #bank loans calculator
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    Bank of America Personal Loans

    Bank of America personal loans are also called as unsecured loans. This means that reposition is not charged if a person does not pay back the loan amount. This makes it more risky for the bank as it might come across some customers who are not in a position to pay back the loan availed. Therefore, personal loans are only given after a thorough check up of the applicant’s credit history. If the BofA finds that the person has had a bad credit in the past, it simply rejects the personal loan application. That is why, availing Bank of America personal loan is made a bit difficult. The bank of America personal loan rates are also higher as compared to other loan rates. In order to be eligible for the personal loan given out by the BofA you will have to fill up an application form available at the bank’s branch.

    There are a variety of reasons that the personal loans can be put in to use for. For example, these personal loans can be used in the form of Auto Loans, RV Loans, Boat Loans, Aircraft Loans, Practice Loans for dentists, physicians, veterinarians, access loans for people suffering from any kind of disabilities, wedding purposes, health care, planning a holiday, home improvements – furnishing or renovation purposes and so on. People may put to use the Bank of America personal use for any of the mentioned purposes or any other personal reasons. You will have to mention the reason of availing this loan to the bank. The bank will keep the reason confidential and you need not worry about it. The bank needs to know the reason for its official purposes.

    Bank of America Personal Loan Application

    Bank of America Personal Loan Rates



    Advance America Reviews – Legit or Scam? #lowest #auto #loan #rates


    #advance payday loans
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    Advance America Reviews Legit or Scam?

    AdvanceAmerica.net

    from 29 reviews Review It

    Advance America was established in 1997 and is currently one of the nation’s largest payday loan companies, offering full service operations both at in person locations and online.

    Advance America offers a full range of short term financial services, from payday loans to installment loans, MoneyGram services, Visa prepaid cards, auto equity loans, gold buying, and even tax preparation.

    You can obtain payday loans from Advance America at their in house locations, as quickly as ten minutes after your application has been approved, or from their online website, and the funds will be direct deposited into your bank account the next day.

    Warnings About Payday Loans

    Payday loans are extremely controversial. Because payday loans are targeted at people who need cash immediately and have no other means of receiving it, these companies are able to charge high interest rates, with the nationwide average being 390% APR.

    Often these high interest rates result in people’s inability to be able to pay back these short term loans on time, which results in a series of fees making it even more difficult for those struggling financially to keep up with it.

    Because of this problematic cycle, individual states have created rules and regulations regarding the approval of payday loans and limiting their fees. Some states have outlawed the practice, while others have few regulations that limit payday lenders.

    Advance America’s Payday Loans

    In an effort to combat the negative stereotypes associated with payday loans, Advance America claims to be committed to following all federal and individual state laws associated with giving payday loans.

    Also, they are a member of the Community Financial Services Association of America (CFSA), which is the only national organization dedicated to promoting responsible regulation of the payday advance industry.

    As a member of CFSA, Advance America claims that they make sure all their terms, conditions, fees, and payback schedules are as clear and easy to understand as possible, so that their clients have the best chance at successfully paying back their short term loans.

    Even though Advance America makes all these assurances, it is still up to those borrowing the money to ensure they know exactly what they are getting into before they accept the terms of the loan being offered to them.

    Note: If you’re interested in learning more about Payday Loans check out our detailed guide, “Payday Loans Explained: Should You Ever Get One? ” for more info.



    Bank of America #government #personal #loans


    #rv loan rates
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    Helping you succeed. The unique demands of your business call for a partner that understands the RV industry and delivers the accounts, services and advice you need.

    Discover Dealer Financial Services

    Get the most out of what Bank of America Merrill Lynch Dealer Financial Services has to offer. You can access:

    • Online services . Learn more about how to use our site, how you can access your floor plan online, and how we keep your information secure. You can also take a demo.
  • Retail . Get complete information on the retail financing available through Bank of America Merrill Lynch.
  • Business . Learn more about the Bank of America business accounts and services available to you, including treasury management, merchant services, card services and personal banking.
  • More for you

    • About us . Learn more about Bank of America Merrill Lynch.
    • Contact us. Locate a Bank of America Merrill Lynch Client Manager in your area.


    Holiday Loans – Midwest America FCU #bridging #loan #calculator


    #holiday loans
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    MidWest America federal credit union

    Need some Holiday help? We offer Holiday Loans!

    MidWest America is offering holiday loans to help you deal with the stress of the holiday season. Apply today and receive $1,000 or $1,500 for 12 months or $2,000 for 18 months. This type of loan has a lower rate than most personal loans and is easy to pay off with low monthly payments.

    For example, the APR on $1,025 loan is 10.61% based on a rate of 5.99% with a $25 documentation fee, resulting in an approximate payment of $88.20 per month. Likewise, the APR on $1,525 loan is 9.06% based on a rate of 5.99% with a $25 documentation fee, resulting in an approximate payment of $131.22 per month. The APR on $2,025 loan is 7.57% based on a rate of 5.99% with a $25 documentation fee, resulting in an approximate payment of $117.89 per month Hurry, this offer is only available for a limited time!

    APR = Annual Percentage Rate. This offer is valid for a limited time only. All loans are subject to credit approval. Relationship Perks do not apply.



    Storage Insurance: Do you need to protect your storage unit? #storage #insurance, #self #storage #association, #property #casualty #insurers #association #of #america


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    Storage Insurance: Do you need to protect your storage unit?

    Mark Henricks

    Self-storage is one of the fastest-growing industries around, expanding from 6,600 facilities in 1984 to over 48,500 in 2014, according to the Self Storage Association. And as the number of mini-warehouses has grown, so has the chance something bad could happen to all the sofas, appliances and other items inside.

    Many people renting storage units wrongly think the storage facility’s property insurance coverage will protect their stored items, said Scott Willson, director of insurance programs for Phoenix-based U-Haul International, one of the largest self-storage operators.

    However, a storage facility’s property insurance provides protection for the building that houses the storage units, not the contents of individual mini-warehouses. “It’s only going to replace the building in case of fire or something,” Willson says. “It doesn’t cover their goods.”

    Home insurance may offer storage tenants some protection. The most common standard home insurance policy covers personal property “anywhere in the world,” said Donald Griffin, vice president of personal lines at the Property Casualty Insurers Association of America, a trade association.

    Off-premises home insurance coverage has a limit of $1,000 or 10 percent of the policy’s personal property limit, whichever is greater. That means if the personal property limit is $100,000, up to $10,000 worth of property in a storage unit could be covered.

    Policy terms and limits vary, so your homeowner’s insurance may not cover the contents of your storage unit.

    How to get storage insurance

    Storage insurance protects against loss of the contents of self-storage units. That means if the facility burns down and the items a tenant stored there are destroyed, the insurance policy would pay to compensate for what was lost.

    Storage insurance premiums start as low as $7 per month for $1,000 worth of coverage. Some policies can cover up to $75,000 for a couple of hundred dollars a month. Fewer than half of storage tenants get storage insurance, says Doug Bell, president of Repwest Insurance, which provides U-Haul’s storage insurance. This is partly because not everybody needs it, such as people that have a home insurance policy that covers off-premises property.

    Many storage policies reimburse only for an item’s cash value at the time of loss, which may be less than it costs to replace. Policies typically cover lightning, vandalism, wind, tornado, hurricane, fire, smoke, hail, explosion, plumbing leaks and burglary,

    However, there are coverage exceptions:

    1. Floods. Riders may be available from some companies to cover some risks that aren’t normally covered, including limited coverage for flood damage.

    2. Missing items. The fine print of a storage policy says coverage only applies to burglaries when there is evidence of forced entry and a police report is filed. If an item goes missing from your storage unit, it’s considered a “mysterious disappearance” and isn’t covered.

    3. Damage from insects, rodents and other vermin. These exclusions are similar to homeowner’s and renter’s policies, except homeowner’s and renter’s insurance typically don’t cover earthquake damage. says Loretta Worters, spokeswoman for the nonprofit Insurance Information Institute.

    4. Expensive items like jewelry and art. Storage policies may not cover everything in your unit. Exclusions usually include jewelry, art, furs, collectibles as well as cash, deeds, securities and other documents. Unlike home insurance, that may let policyholders purchase riders to cover normally excluded items, buyers of storage insurance policies usually can’t get riders to protect such items.

    5. Motor vehicles. Doug Bell, president of Repwest Insurance, which provides U-Haul’s storage insurance, recommends tenants have conventional auto insurance for stored vehicles. However, some storage insurance carriers, such as Phoenix-based MiniCo, do cover vehicles.

    Most tenants buy policies through the facility operator when renting the unit. Worters says many operators won’t rent out a storage unit unless the tenant gets storage insurance first, either from the facility or a third party. Tenants can also prove their goods are insured throughhomeowner’s or renter’s insurance.

    Also, facility operators are not insurance agents, Willson notes. He recommends tenants talk with their insurance agent before purchasing a policy.

    Third-party policies are available online and it pays to shop around, especially for special protection such as vehicle coverage. Other than that, options for saving money generally are limited to reducing coverage amounts or changing special coverage, such as for vehicles.

    Bell cautions tenants not to try to save money by putting more goods into a unit than their policy limit will cover. If a tenant has more than $15,000 in property, the maximum U-Haul will insure, he recommends renting two smaller units to stay under the cap.

    Worters offers another storage tip: Keep jewelry in a bank safe deposit box rather than a storage unit. It’s safer, and homeowner’s policies may offer discounts on valuables kept in safe deposit boxes, she says.

    Changes to storage insurance

    Storage insurance is evolving with the times. U-Haul, for example, is adding vermin coverage. They’ve also recently begun letting policyholders file claims with smartphones. Claim filers using phones will see a website optimized for small phone screens. They also can upload photos taken with their phones’ built-in cameras.

    Worters also recommends that tenants make a video or photo inventory. “If your property is stolen or damaged, an inventory can help speed the claims process and substantiate your loss,” Worters says. “It will also help you determine how much insurance to buy to adequately protect your possessions.”

    See how much you could save today on your home insurance. Get your free home insurance quotes today!



    Bank of America Home Loan Modification #pension #loans


    #loan modification
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    Home loan modification programs offered by Bank of America

    Is a Bank of America modification right for me?

    Program goal

    Eligibility

    You may be able to modify your home loan under one of the programs we offer if all of the following apply:

      You’re experiencing a financial hardship, such as a reduction in income or an increase in your mortgage payment You’re 60 or more days behind on your mortgage payments The property is a 1- to 4-unit house, condo or manufactured home; buildable home lots may also qualify All borrowers on your loan agree to participate You permit access to the interior of the property for an appraisal or inspection, if required You provide all financial information requested, and show that your income is consistent enough to make the modified monthly payments

    If you’re not eligible for a modification and you’ve been unable to resolve your difficulty through other programs you may need to consider options that involve leaving your home.

    If your house is currently worth less than the amount remaining on your loan, you may be able to sell your house in a short sale. We offer programs that may provide a streamlined approval process and financial assistance to help you with relocation.



    Bank of America Loans #home #improvement #loans


    #bank loans for bad credit
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    Bank of America Loans

    Bank of America is a global presence. They were the financial group that funded Walt Disney s building of Disneyland, they have funded many of the most successful movies, and they are behind one out of every five small businesses in the nation. Needless to say, Bank of America knows what they are doing involving personal banking, commercial banking, wealth management, investing, and mortgage products and services. Bank of America s Mortgage division has a revolutionary website that allows potential customers to obtain rate quotes and pre-qualify for loans. They also employ a team of qualified mortgage experts that will assist you in finding the mortgage option that is right for your individual needs. Bank of America boasts:

    • Fixed and Adjusted Rate Mortgages
    • Combination Loans
    • 15-year Mortgages
    • First-time Homeowner Programs
    • Refinancing Programs
    • Second Mortgages
    • Home Equity Loans and Lines of Credit

    Bank of America Bad Credit Mortgage Options

    If your credit isn t perfect, you are not alone. Millions of Americans have been faced with troublesome times in which they were forced to fall behind. Fortunately, it is much easier to get ahead than many people think. Begin to pay your bills on time each month, and pay more than the minimum on credit cards each month. These two simple steps will quickly increase your chances at being granted credit. When you are ready to apply for a new home loan, lenders will look favorably upon consistent improvement each month. Many lenders, like Bank of America, have programs available that will approve and assist customers with credit problems. They have flexible refinancing and home equity packages available that will help you pay off high interest bills while giving you the opportunity to begin making payments responsibly each month. Bank of America also has programs for people who need help with their down payments and first-time homeowners.

    Bank of America Recent News



    Loan: Boat Loans – Bank of America – BankInfoUSA #used #car #loan


    #used boat loans
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    Boat Loans

    Description

    Competitive rates and flexible terms

    Fixed-rate boat loans

    No prepayment penalty

    Supporting Documents

    Your next boat loan has never been easier than with our online process. Here s how it works:

    Step 1: Getting started

    Complete and submit your application online.

    Step 2: Receive a decision

    Many applications will receive a decision within 60 seconds.

    If your decision is not ready within 60 seconds, you will be notified via email when your decision is ready.

    You can sign in any time to check your application status using your unique ID and password.

    Step 3: Ready to buy

    Approved applicants will be contacted by one of our loan representatives within one business day of the loan decision. The loan representative will verify your identity and advise you of the next steps to complete your loan.

    Step 4: Closing the deal

    Refinancing your existing loan? We ll send the closing package to you. Just endorse all the necessary documents, get them notarized and send the completed loan package back in the postage-paid envelope provided.

    Buying from a dealer? Use the Dealer Locator tool to find out if your selected dealer is authorized by Bank of America. If they are, then once you are approved we will contact you and provide an approved dealer letter. Just present the dealer letter to the dealership at time of sale. You will complete the financing paper work at the dealership according to the terms disclosed in the letter. The dealer will process the loan according to the relationship already established with Bank of America.

    Although we encourage our clients to purchase from an authorized dealer whenever possible, we can still process a loan from a non-authorized dealer. Once you are approved we will contact you and after gathering all the necessary documentation we will overnight a loan closing package directly to you. You will endorse all the necessary documents, have them notarized and then return the completed loan package in the pre-paid overnight envelope that will be provided. Your loan closing package will have a Loan Draft enclosed — simply take the loan draft to the dealership and present it as payment.

    Please note: ***Return your completed loan package prior to presenting the Draft to the dealership. Failure to do so could cause a delay in the dealership receiving the loan proceeds and cause a poor experience for both you and the dealership.

    Buying from a private party? Once you are approved we will contact you and after gathering all the necessary documentation we will overnight a loan closing package directly to you. You and the seller will endorse all the necessary documents, have them notarized and then return the completed loan package in the pre-paid overnight envelope that will be provided.

    How fast you want to be in your new boat is up to you. If you provide us with all the information we need by 3 p.m. Eastern Time, we can overnight your closing package or dealer letter that same day.



    Bank of America Personal Loan Application #loan #comparison #sites


    #online personal loan
    #

    Bank of America Personal Loan Application

    Bank of America Personal Loan Application can be made online or simply by visiting the nearest banking center in your area. Being one of the leading banks in the United States, Bank of America offers a wide variety of banking products and financial services to millions of customers in the U.S. and various other countries of the world. To those who are in need of financial assistance the bank offers a range of personal loans. Some of the popular personal loan programs offered by Bank of America include auto loans, RV loans, boat loans, aircraft loans, practice loan, access loans, etc.

    To check your Bank of America personal loan application status, you can sign in and view your personal loan decision by providing you e-mail address, social security number and your mother’s maiden name on the space provided on the bank website. Personal loan qualifications are based totally on the income status, repaying ability and the credit history of the applicants.

    Your loan application will be verified for authenticity of the details provided by you. Only after the approval of your personal loan application, the loan amount will be offered to you. You are not required to pay any processing fee while making your loan application. You can obtain Bofa personal loans for a number of purposes such as home renovation, planning a wedding, vacations, debt consolidation and paying your child’s education fees.

    Personal loans offered by Bank of America are unsecured types of loans and the applicants are not required to put any collateral as security against the loan amount. There is a certain amount of risk involved in this loan types as there is no collateral to cover the loss when borrowers are unable to make timely payments. So the credit worthiness and the present income status of the applicants play significant role in the approval of the personal loans. So it is quite difficult for a borrower with bad credit history to qualify for these loan options.

    Website: http://www.bankofamerica.com/vehicle_and_personal_loans/



    Business Vehicle Loans- America First Credit Union #current #interest #rates


    #business loan rates
    #

    BUSINESS LOANS MENU

    Business Vehicle Loans

    This program gives eligible company representatives the ability to buy vehicles in their businesses’ names. America First offers Business Vehicle Loans that are flexible and friendly:

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program
    • Vehicles weighing up to one ton

    Vehicles under this program must be titled in the name of the business and be for business purposes.

    ** Non-profit organizations, associations and restricted accounts are ineligible.

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.

    Conventional Commercial Vehicle Loans

    Need a commercial vehicle for your business? We have affordable financing available.

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program

    Vehicles under this program must be titled in the name of the business and be for business purposes. These include commercial trucks weighing over one ton, commercial trailers, and commercial vans.

    ** Fees may apply if Loan exceeds $50,000.

    SBA Commercial Vehicle Loans

    For some businesses, loans guaranteed by the U.S. Small Business Administration (SBA) make the most sense. Check into our SBA Commercial Vehicle Loans to see if these are right for you.

    • Low, competitive rates & fees
    • Terms of seven years and longer
    • No prepayment or annual fees
    • From thousands to millions of dollars

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.



    Bank of America is offering cheap car loans #loan #modifications


    #cheap car loan
    #

    Bank of America is offering cheap car loans

    By: Margarette Burnette, October 22nd 2014

    Bank of America is offering good deals on auto loans this fall, with rates starting as low as 2.34% APR on 60-month financing for new cars and trucks.

    That’s what you’ll pay if you have a checking or savings account at the nation’s second-largest bank. If not, you’ll be charged a slightly higher 2.49% APR.

    Both of those rates are considerably lower than the national average for 60-month loans — 4.02% APR, according to our latest survey of major lenders.

    Borrow $25,000 for five years at 2.49%, and you’d pay $444 a month. Finance the same amount at the national average of 4.02%, and the monthly payment would jump to $461 a month.

    Over the course of the loan, you’d save just over $1,000 in interest charges.

    What really got our attention are the bank’s used car loans. You can borrow money to buy preowned autos and trucks for as little as 2.49% APR over five years with the customer discount, or 2.64% APR for non-account holders.

    Most lenders charge much higher rates for used-car financing. In fact, our survey average for preowned auto loans is currently 4.73% APR. And that’s just for three years.

    Search our database of the best auto loan rates from dozens of other lenders in your area to see if you can find a better deal.

    Then, you can use our auto loan calculator to help you budget your monthly payment.

    These loans are only available for vehicles sold through new-car dealers, and you’ll need good credit to qualify for the lowest interest rates. You have the best chance of qualifying if your FICO credit score is in the mid-700s and up.

    You can apply online at Bank of America and receive a decision in as little as 60 seconds. There is no loan documentation fee.

    Knowing about a deal like this makes it much easier to judge any loan you’re offered by a dealer’s finance manager.

    If he or she can beat Bank of America’s terms, then you’ll know you negotiated a real bargain. If not, you can go with the bank’s offer.

    If you’re planning to buy a new car soon, our 5 simple steps to the best deal on a new car or truck can help you shop with confidence.

    If you’re shopping for a preowned car, follow our 10 smart moves for buying a used car to help you avoid costly traps.



    Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies – The Onion – America s Finest News Source #car #calculator #payment


    #loan shark
    #

    Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies

    PHILADELPHIA Frankie “The Gorilla” Pistone leans wistfully on his bat. Then, without warning, he picks it up, swinging it furiously toward his deadbeat client’s leg. Just before the Louisville Slugger makes contact with the man’s kneecap, he pulls back, as only a real pro can, leaving the $250-in-the-hole man gasping in fear and relief. “Just get it to me by tomorrow, because next time, I ain’t gonna let up,” Pistone says.

    Loan shark Frankie Pistone, whose way of life is endangered by the likes of American Express.

    As the thankful man scurries off, Pistone pulls the cigarette out of his mouth and drops it to the ground. “I’m going to miss this,” he says.

    Frank Pistone is part of the dying breed known as the American Loan Shark. Not so long ago, the loan shark flourished, offering short-term, high-interest loans to desperate people with nowhere else to turn. Today, however, Pistone and countless others like him are being squeezed out by the major credit-card companies, which can offer money to the down-and-out at lower rates of interest and without the threat of bodily harm.

    “It’s a damn shame,” said Joseph Stasi, 61, a South Philadelphia loan shark whose business is down 90 percent from its mid-’70s heyday. “These days, there’s just no place for the small businessman. My kind, we just can’t compete with the Visas and MasterCards of the world.”

    “The old customers don’t come ’round here no more,” said Felix Costa, 59, speaking from the Elizabeth, NJ, pool hall that has served as his place of business since 1972. “Time was, a guy who needed a quick $400 for a new refrigerator or some car repairs would come straight to me. Now, he just puts it on his Discover card.”

    Though their client lists are dwindling, the loan sharks still have their champions.

    “Call me old-fashioned, but I prefer the loan sharks to the credit-card companies,” said Gene Hobson of Detroit. “When I borrow money from Three Knuckles Benny, I know there’s going to be a personal touch, whether it’s a dead animal on my doorstep or one of my kids coming home with a missing toe. The credit cards just don’t give you that sort of individualized attention. And, if you’re late with them, it’s a form letter and maybe maybe an irate call from the accounts-receivable department.”

    “With our overhead, we need to charge a 50 percent weekly interest rate just to break even,” said a Chicago loan shark who identified himself only as “Johnny Toothpick.” “We’ve got rent, pay-offs, and switchblade maintenance, not to mention travel expenses. How can we compete with rates as low as 18 to 26 percent a year?”

    Continued Toothpick: “These [credit-card companies] are monsters. They care nothing about the damage they’re doing to the American landscape by driving us out. Loan sharking was about more than giving people money and roughing them up when they didn’t come through. It was about ruffling a kid’s hair on the street, helping out a local fella who needed a break, and occasionally letting somebody off easy with just a couple of punches to the gut instead of a glass-filled sock to the face. It’s a unique part of our shared national experience that, once extinct, will never come back.”

    With nearly 200,000 new credit-card solicitations going out every week, the loan sharks have little hope of regaining the ground they’ve lost.

    “We were going by word of mouth, and we did pretty good around the neighborhood,” Pistone said. “But these credit cards? With direct mail and the Internet, they reach a customer base we can only dream about. In this business climate, how can a small, independent goon possibly compete?”



    Home Loan Help from Bank of America #interest #only #loan


    #help loan
    #

    Home Loan Assistance

    We’re here to help. Let’s work together. If you’re struggling with your monthly home loan payments, assistance may be available to you.

    Get Help in Person

    Bank of America Logo.

    Important Notice.

    You Are Leaving Bank of America

    By clicking Continue. you will be taken to a website that is not affiliated with Bank of America and may offer a different privacy policy and level of security. Bank of America is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites.

    Bank of America, N.A. Member FDIC. Equal Housing Lender Opens in a new window

    Bank of America Corporation. All rights reserved.



    Business Vehicle Loans- America First Credit Union #rv #loans


    #business loan rates
    #

    BUSINESS LOANS MENU

    Business Vehicle Loans

    This program gives eligible company representatives the ability to buy vehicles in their businesses’ names. America First offers Business Vehicle Loans that are flexible and friendly:

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program
    • Vehicles weighing up to one ton

    Vehicles under this program must be titled in the name of the business and be for business purposes.

    ** Non-profit organizations, associations and restricted accounts are ineligible.

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.

    Conventional Commercial Vehicle Loans

    Need a commercial vehicle for your business? We have affordable financing available.

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program

    Vehicles under this program must be titled in the name of the business and be for business purposes. These include commercial trucks weighing over one ton, commercial trailers, and commercial vans.

    ** Fees may apply if Loan exceeds $50,000.

    SBA Commercial Vehicle Loans

    For some businesses, loans guaranteed by the U.S. Small Business Administration (SBA) make the most sense. Check into our SBA Commercial Vehicle Loans to see if these are right for you.

    • Low, competitive rates & fees
    • Terms of seven years and longer
    • No prepayment or annual fees
    • From thousands to millions of dollars

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.



    Bank of America is offering cheap car loans #grants #for #college


    #cheap car loan
    #

    Bank of America is offering cheap car loans

    By: Margarette Burnette, October 22nd 2014

    Bank of America is offering good deals on auto loans this fall, with rates starting as low as 2.34% APR on 60-month financing for new cars and trucks.

    That’s what you’ll pay if you have a checking or savings account at the nation’s second-largest bank. If not, you’ll be charged a slightly higher 2.49% APR.

    Both of those rates are considerably lower than the national average for 60-month loans — 4.02% APR, according to our latest survey of major lenders.

    Borrow $25,000 for five years at 2.49%, and you’d pay $444 a month. Finance the same amount at the national average of 4.02%, and the monthly payment would jump to $461 a month.

    Over the course of the loan, you’d save just over $1,000 in interest charges.

    What really got our attention are the bank’s used car loans. You can borrow money to buy preowned autos and trucks for as little as 2.49% APR over five years with the customer discount, or 2.64% APR for non-account holders.

    Most lenders charge much higher rates for used-car financing. In fact, our survey average for preowned auto loans is currently 4.73% APR. And that’s just for three years.

    Search our database of the best auto loan rates from dozens of other lenders in your area to see if you can find a better deal.

    Then, you can use our auto loan calculator to help you budget your monthly payment.

    These loans are only available for vehicles sold through new-car dealers, and you’ll need good credit to qualify for the lowest interest rates. You have the best chance of qualifying if your FICO credit score is in the mid-700s and up.

    You can apply online at Bank of America and receive a decision in as little as 60 seconds. There is no loan documentation fee.

    Knowing about a deal like this makes it much easier to judge any loan you’re offered by a dealer’s finance manager.

    If he or she can beat Bank of America’s terms, then you’ll know you negotiated a real bargain. If not, you can go with the bank’s offer.

    If you’re planning to buy a new car soon, our 5 simple steps to the best deal on a new car or truck can help you shop with confidence.

    If you’re shopping for a preowned car, follow our 10 smart moves for buying a used car to help you avoid costly traps.



    Does Bank of America Make Personal Loans? #direct #loan #consolidation


    #bank personal loans
    #

    Does Bank of America Make Personal Loans?

    Bank of America is the country’s second largest bank, with more than $2 trillion in assets. It is headquartered in Charlotte, North Carolina, and provides a variety of financial services, including issuing loans to businesses and individual. All of BoA’s non-business loans must be secured by property. These loans include new mortgages for homes, refinancing loans, home equity credit lines and automobile loans. BoA offers reduced loan rates through its Preferred Rewards program that’s open to borrowers who also have a Merrill Lynch investment account with a balance of $20,000 or greater.

    Other People Are Reading

    Role of Credit Scores

    BoA, like many lenders, considers a loan applicant’s credit score when deciding whether to grant a loan. The bank uses FICO scores. issued by Fair Isaac Corp. to summarize the applicant’s credit history. FICO scores range from 300 to 850, and applicants with the highest scores can receive easier loan approval, lower mortgage interest rates and a smaller down payment requirement from BoA. The bank considers 700 or higher to be a good score, but scores below 620 make it harder to get a loan from BoA.

    Mortgage Loans

    BoA offers fixed-rate and adjustable-rate mortgages. The bank also offers preapproved mortgages. which are conditional agreements to issue a mortgage for a set amount and with specific terms. To receive a BoA mortgage, you (and any co-borrower, such as your spouse) must fill out an application and provide documentation regarding your job history, credit risk and financial circumstance. Required information includes:

    accounts

  • Signed tax returns
  • Documentation of self-employed income
  • A signed Purchase and Sales Agreement on the

    home you wish to buy

    BoA may issue a rate lock guaranteeing the interest rate and points it will charge as of the closing date. This protects your from higher interest rates between the time the mortgage is approved and issued. BoA also offers jumbo loans — in which the mortgage amount is $417,000 or higher — as well as mortgages tied to affordable housing assistance programs. and mortgages insured by the Federal Housing Administration and the Department of Veterans Affairs .

    Other Home Loans

    You can apply to BoA to refinance an existing mortgage. This allows you to lower your interest rate and /or your monthly mortgage payments, or to extract some equity from your home and use the money for other purposes. You do this by borrowing more than your current mortgage balance. You can also convert an adjustable-rate mortgage to a fixed rate one so that your monthly payments are predictable. Additionally, BoA offers fixed-rate interest-only jumbo mortgages. in which you can choose to shell out just interest for a set number of years before you begin repaying principal.

    Another alternative is a BoA home equity line of credit. which lends cash secured by your home equity — the value of your home in excess of your mortgage balance. This is a revolving account. meaning you can reborrow money you’ve paid back, up to the credit limit.

    Auto Loans

    You can apply for a BoA auto loan to pay for a new or used car, or to refinance an existing auto loan. The bank makes these loans available in as little as 24 hours and offers a rate discount to borrowers with a BoA checking account, as well as through the Preferred Rewards program. The bank works with dealer networks and can recommend a dealer that will use BoA to finance the auto loan.



  • Get Informed – Pawn Loans FAQs – Cash America International #debt #management


    #get a loan
    #

    Frequently Asked Questions

    Pawn Loans

    How does a pawn loan work?

    Pawn loans are a quick and easy way to borrow money without a credit check or hassle. Loans are based on the value of your collateral, not your credit rating or pay schedule. Subject to individual state laws, a typical pawn loan may have a term length of 30 days/one month, plus a 30-day/one month grace period. If you cannot pay back your pawn loan in full, including any applicable grace period, we offer extensions/renewals (where permitted by state law) to give you extra time. You may also choose to surrender your collateral as payment in full.

    We provide pawn loans on a variety of items, including gold and diamond jewelry, electronics, musical instruments, tools, and more*. Simply bring us an item of value, along with a valid photo ID and we ll get you money in minutes after your loan is approved.

    What is an extension?

    If you are unable to pay back your pawn loan in full on its due date, you may be able to get an extension on your pawn loan, if permitted by state law. With an extension, you will be required to pay a portion of the interest owed (varies by state), then you may extend the length of your pawn loan for as many days as allowed by state law.

    What is a renewal?

    If you are unable to pay back your pawn loan in full on its due date, you may get a renewal, if permitted by state law. With a renewal, you pay the interest that has accrued on your pawn loan in full, and a new pawn loan is written. The principal pawn loan amount remains the same, as does the interest rate, but the due date is reset for the full loan term.

    Will I lose my merchandise?

    The majority of our customers repay their pawn loans and pick up their merchandise. If a customer chooses not to repay the pawn loan, the merchandise/collateral for the loan is forfeited.

    We will also purchase items of value if you do not want to get a pawn loan.

    How do you determine an item’s worth?

    We base pawn loan amounts on the value of your item its current appraised value, its current condition and our ability to sell the item. We use all the research tools we have at our disposal to determine an item s value and get you the most money we can.

    The appraisal process varies depending on the type of item for example, jewelry is evaluated differently than a DVD player. We research and review items to ensure that our pawn loan values are in line with the general marketplace for pre-owned merchandise. To obtain the item s retail value when it was new, its pre-owned market value, and how to determine its condition.

    How do you determine the condition of an item?

    The condition of an item is always taken into account during the appraisal process for a pawn loan. If one 32-inch television comes in that is in perfect condition and one 32-inch television comes in with a crack in the case, we will loan more on the TV that’s in better condition.

    When it’s general merchandise you want to pawn, we test each item to ensure it is in good working condition. This includes, but is not limited to, a visual inspection, plugging an item in and turning it on, and noting if any necessary accessories (such as remote controls) and manuals are included.

    The better the condition of your item, the more money we can loan you. This is true for any collateral.

    How do you determine the value of jewelry?

    When jewelry is the collateral for a pawn loan, we test the precious metals and diamonds to determine its worth.

    The diamond testing includes a visual inspection using a jeweler’s loupe, weighing the item, sizing (determining carat weight) any stones, and noting the cut/color/clarity of each—you may know this as the 4 Cs.

    In addition, we test the metal using a special acid that determines the karat of gold. This is done to ensure a clean test so there are no false readings on your item that may detract from what we can loan you.

    How do you determine the price of gold?

    The price of gold is based on market values, the price for which is routinely reviewed and updated. Prices can vary greatly as the loan amount for 24K gold is significantly higher than that of 14K gold.

    Can you give a quote on an item over the phone?

    Unfortunately, we cannot give quotes over the phone because loan amounts vary greatly depending on the condition of an item. For general merchandise, we test each item to ensure it is in good working condition. This includes, but is not limited to, a visual inspection, plugging an item in and turning it on, and noting if any necessary accessories and manuals are included. The better the condition of your item, the more money we can loan. And for jewelry, we test to ensure diamonds and gold are genuine. This testing includes a visual inspection using a jeweler’s loupe, weighing the item, sizing (determining carat weight) any diamonds, and noting the cut/color/clarity of each—you may know this as the 4 Cs. In addition, we test the metal using a special acid that determines the karat of gold.

    Why does the loan amount differ from the selling price at local retailers or even Cash America/SuperPawn stores?

    Our pawn loan values are based on pre-owned retail prices, not what the item cost when it was new. Any collateral that is turned over to us and made available for sale is pre-owned and will be priced accordingly on our sales floor. The loan amount we give you is based on that selling price—and our ability to sell the item.

    We offer you as much as we can while still allowing room to pay for the cost of storage, insurance and other costs of doing business.

    Is my collateral safe while in pawn?

    While your item is in pawn, you still own it. It is our responsibility to keep it safe and in good condition while it’s in our care. When you give us an item for pawn, we keep all accessories (remote controls, cables, etc.) with your item and place it in a secure area. Your item is safely stored here until you come back to pay your pawn loan in full and claim your merchandise. All Cash America shops are fully insured for the loan value of the collateral we keep.

    Are pawnshops regulated?

    Yes. States have regulated the pawn industry for decades, and most pawnbrokers are licensed and regulated by local authorities as well. We are subject to such federal laws as the Truth In Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Patriot Act, and Federal Trade Commission Rules on Data Privacy and Security Transfer, as well as Federal Firearms Licenses for shops that deal with firearms. At the federal level, we are regulated by the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), and the Treasury Department.

    Can I pawn a gun?

    Yes. We accept firearms as collateral for pawn loans and sell firearms in many of our locations*. We are registered as a firearms dealer and must comply with all federal regulations. In addition, Cash America adds trigger locks to every firearm as an added safety initiative and furnishes local law enforcement with information on every transaction.

    Are pawnshops stocked with stolen merchandise?



    Payday Loans Online, No Credit Check Cash Advance Loans, Payday Loans Direct Lender Fast No Teletrack with Instant Approval, Easy No Fax Same Day Pay Day Loans, Faxless Paydayloans in America #student #loan #consolidation


    #online payday loans instant approval
    #

    Payday Loans Online

    Have a financial emergency? Need fast cash in a hurry? Looking for the best payday loan service online? Well look no further! You’ve come to the right place. Get the money you need and the professional service you deserve, with only a few minimum requirements.

    Apply for a payday loan today and as a first time customer, you can get up to $1500 directly to your account overnight. This means you will be able to begin spending your cash the very next day. The application process is very simple and quick. Just fill out the instant cash advance application and within minutes, we’ll review your application and inform you of your approval.

    Our Advantages:

    • Get payday loans of up to $1500.00 overnight;
    • Cash is deposited directly to your account;
    • Fast & easy approval;
    • No long forms;
    • No credit check, no teletrack payday loans;
    • No faxing 100 percent online payday loan;
    • Confidential & Secure;
    • Flexible payment options;
    • Reliable customer service

    No need to go to a retail payday loan center! Handle your payday loan right here online! You don’t have to leave the house and you won’t have to stand in line. Plus, you don’t have to feel the embarrassment that some people feel who need to apply for a quick loan.

    Bad credit? No credit? Other financial problems? You can get approved regardless of your financial past or current situation. Qualifying for payday loans online is easier than you ever thought!

    You need only personal identification, a checking account, and an income from a job or government benefits, like Social Security or disability payments to qualify for payday loan.

    Bank. Russian 2005-2008 All Rights Reserved.



    Home Loan Help from Bank of America #home #loan #refinance


    #help loan
    #

    Home Loan Assistance

    We’re here to help. Let’s work together. If you’re struggling with your monthly home loan payments, assistance may be available to you.

    Get Help in Person

    Bank of America Logo.

    Important Notice.

    You Are Leaving Bank of America

    By clicking Continue. you will be taken to a website that is not affiliated with Bank of America and may offer a different privacy policy and level of security. Bank of America is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites.

    Bank of America, N.A. Member FDIC. Equal Housing Lender Opens in a new window

    Bank of America Corporation. All rights reserved.



    Bank of America Buys Part of World Omni s Loan Portfolio #low #rate #loans


    #omni loans
    #

    Bank of America Buys Part of World Omni s Loan Portfolio

    Bank of America and World Omni Financial Corp. put together a deal for the bank to purchase the majority of World Omni’s commercial loan portfolio, excluding Southeast Toyota’s distributors, franchised dealers and their affiliates. World Omni assigns to Bank of America lending relationships with about 105 dealerships across 23 dealer groups totaling more than $600 million. It’s tied to World Omni’s

    Bank of America and World Omni Financial Corp. put together a deal for the bank to purchase the majority of World Omni’s commercial loan portfolio, excluding Southeast Toyota ‘s distributors, franchised dealers and their affiliates.

    World Omni assigns to Bank of America lending relationships with about 105 dealerships across 23 dealer groups totaling more than $600 million.

    It’s tied to World Omni’s strategy of narrowing the focus of its commercial lending business to provide financing to SET franchised dealers and their affiliates, paralleling the company’s consumer lending business which exclusively serves SET dealers.

    “This decision was very difficult and was made following a great deal of thought and consideration,” says Brent Burns, president of World Omni. “We believe that Bank of America is uniquely suited to manage these relationships with the integrity, customer service, industry knowledge and financial resources World Omni has provided these relationships to date.”

    Says Floyd Robinson, president of Bank of America’s Auto Group, “Bank of America is very excited about the opportunity to develop a relationship with each dealer and continue the tradition of excellent service established by World Omni.”

    Bank of America client managers are traveling the country to personally meet their new dealer clients. The goal is to make the transition seamless, says bank spokeswoman Lila Lynch.



    Bank of America Mortgage Payment #new #car #loans


    #bac home loans
    #

    Bank of America Mortgage Payment Online

    Visit sitekey.bankofamerica.com for complete guidance on how you can open an account and use it to pay Bank of America Mortgage online. Countrywide customers can use their existing login ID to access their home loan accounts. You can set your account to an automatic payment mode by which the amount due each month will automatically be deducted from your account under the recurring plan.

    Bank of America Mortgage Payment Options

    Other options include payment by phone and credit card. To exercise credit card option for free you need to have one issued by FIA Card Services (the new name of MBNA after it was purchased by B of A), otherwise you may end up paying a fee of up to 2% of the amount to a third party. Phone assistance is available at 1.800.933.6262. You can use the same phone number to get assistance in case you have any payment related problems.

    To use automatic draft facilities through BOA PayPlan Services, you can dial 1-800-669-6607 to talk to a customer service associate. It is advised to pay your bill before the due date other wise the bank will charge you a late fee after the expiry of grace period which may vary from case to case. Payment deferral or holiday or the facility to skip a payment may be provided subject to the eligibility of a borrower. It is also possible to make bi monthly or biweekly payments at BofA depending upon the choice of customers.

    Bank of America Mortgage Payment Address

    Wilmington, DE 19886-5222



    Bank of America Personal Loan Application #loans #for #people #with #bad #credit


    #online personal loan
    #

    Bank of America Personal Loan Application

    Bank of America Personal Loan Application can be made online or simply by visiting the nearest banking center in your area. Being one of the leading banks in the United States, Bank of America offers a wide variety of banking products and financial services to millions of customers in the U.S. and various other countries of the world. To those who are in need of financial assistance the bank offers a range of personal loans. Some of the popular personal loan programs offered by Bank of America include auto loans, RV loans, boat loans, aircraft loans, practice loan, access loans, etc.

    To check your Bank of America personal loan application status, you can sign in and view your personal loan decision by providing you e-mail address, social security number and your mother’s maiden name on the space provided on the bank website. Personal loan qualifications are based totally on the income status, repaying ability and the credit history of the applicants.

    Your loan application will be verified for authenticity of the details provided by you. Only after the approval of your personal loan application, the loan amount will be offered to you. You are not required to pay any processing fee while making your loan application. You can obtain Bofa personal loans for a number of purposes such as home renovation, planning a wedding, vacations, debt consolidation and paying your child’s education fees.

    Personal loans offered by Bank of America are unsecured types of loans and the applicants are not required to put any collateral as security against the loan amount. There is a certain amount of risk involved in this loan types as there is no collateral to cover the loss when borrowers are unable to make timely payments. So the credit worthiness and the present income status of the applicants play significant role in the approval of the personal loans. So it is quite difficult for a borrower with bad credit history to qualify for these loan options.

    Website: http://www.bankofamerica.com/vehicle_and_personal_loans/



    Calculators – Mortgage Lenders of America – Simple Mortgage Calculators #study #loan


    #loan calculator mortgage
    #

    Apply Now

    Programs available only to qualified borrowers. Programs subject to change without notice. All borrowers subject to underwriting and qualification. Some restrictions may apply.

    A down payment is an amount of your home’s purchase price you pay up front when closing your home loan. The down payment amount is typically viewed in terms of a percentage of the home price. Lenders often consider this down payment amount to be your investment in the home. The down payment amount affects how much you will need to borrow, and also may play a role in whether Private Mortgage Insurance (PMI) is required. With a down payment of 20% or less of the purchase price, PMI may require an initial premium payment of 1-3.5% of your mortgage amount, and an additional monthly fee. Speak with a MLOA loan officer about preparing for a mortgage, pre-qualification, and other factors that will help you decide on the proper down payment amount.

    A mortgage rate is the interest charged on your mortgage loan. Mortgage rates are either fixed or variable. A fixed rate means the interest rate stays constant for the term on the mortgage (i.e. 15, 20, or 30 years). A variable rate fluctuates with a benchmark interest rate so your rate may rise and fall with the market. Changes in your interest rate may drastically affect your mortgage payment. Speak with a MLOA loan officer about APR, rate types, or other types of guidance.

    A mortgage term is the length of time, usually in 10, 15, or 30 years, in which the loan is amortized. Amortization is the paying off of your mortgage debt with a fixed repayment schedule in regular installments over the term of your mortgage loan. Speak with a MLOA loan officer to discuss which term may be right for you.

    This is the amount of your monthly mortgage payment. Your payment amount is based on items such as home price, amount of down payment, your loan interest rate, loan term, and additional factors such as PMI, homeowner’s insurance and property taxes. Your monthly payment may be different from this result, as other factors may affect the actual payment. Speak with a MLOA loan officer to get you started.

    Private Mortgage Insurance (PMI) is a policy which protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.

    Monthly debts should include out of pocket expenses such as credit cards, car payments, and other loan obligations but do not need to include regular bills such as utilities and insurance.

    Selling costs take into account any closing fees paid to realtors, title companies, etc that may reduce the customers equity in the home at the time of sale.

    Appreciation is the increase in the value of the property over time. Many factors can influence appreciation including inflation and property improvements.



    Get Informed – Pawn Loans FAQs – Cash America International #low #interest #rate #loans


    #get a loan
    #

    Frequently Asked Questions

    Pawn Loans

    How does a pawn loan work?

    Pawn loans are a quick and easy way to borrow money without a credit check or hassle. Loans are based on the value of your collateral, not your credit rating or pay schedule. Subject to individual state laws, a typical pawn loan may have a term length of 30 days/one month, plus a 30-day/one month grace period. If you cannot pay back your pawn loan in full, including any applicable grace period, we offer extensions/renewals (where permitted by state law) to give you extra time. You may also choose to surrender your collateral as payment in full.

    We provide pawn loans on a variety of items, including gold and diamond jewelry, electronics, musical instruments, tools, and more*. Simply bring us an item of value, along with a valid photo ID and we ll get you money in minutes after your loan is approved.

    What is an extension?

    If you are unable to pay back your pawn loan in full on its due date, you may be able to get an extension on your pawn loan, if permitted by state law. With an extension, you will be required to pay a portion of the interest owed (varies by state), then you may extend the length of your pawn loan for as many days as allowed by state law.

    What is a renewal?

    If you are unable to pay back your pawn loan in full on its due date, you may get a renewal, if permitted by state law. With a renewal, you pay the interest that has accrued on your pawn loan in full, and a new pawn loan is written. The principal pawn loan amount remains the same, as does the interest rate, but the due date is reset for the full loan term.

    Will I lose my merchandise?

    The majority of our customers repay their pawn loans and pick up their merchandise. If a customer chooses not to repay the pawn loan, the merchandise/collateral for the loan is forfeited.

    We will also purchase items of value if you do not want to get a pawn loan.

    How do you determine an item’s worth?

    We base pawn loan amounts on the value of your item its current appraised value, its current condition and our ability to sell the item. We use all the research tools we have at our disposal to determine an item s value and get you the most money we can.

    The appraisal process varies depending on the type of item for example, jewelry is evaluated differently than a DVD player. We research and review items to ensure that our pawn loan values are in line with the general marketplace for pre-owned merchandise. To obtain the item s retail value when it was new, its pre-owned market value, and how to determine its condition.

    How do you determine the condition of an item?

    The condition of an item is always taken into account during the appraisal process for a pawn loan. If one 32-inch television comes in that is in perfect condition and one 32-inch television comes in with a crack in the case, we will loan more on the TV that’s in better condition.

    When it’s general merchandise you want to pawn, we test each item to ensure it is in good working condition. This includes, but is not limited to, a visual inspection, plugging an item in and turning it on, and noting if any necessary accessories (such as remote controls) and manuals are included.

    The better the condition of your item, the more money we can loan you. This is true for any collateral.

    How do you determine the value of jewelry?

    When jewelry is the collateral for a pawn loan, we test the precious metals and diamonds to determine its worth.

    The diamond testing includes a visual inspection using a jeweler’s loupe, weighing the item, sizing (determining carat weight) any stones, and noting the cut/color/clarity of each—you may know this as the 4 Cs.

    In addition, we test the metal using a special acid that determines the karat of gold. This is done to ensure a clean test so there are no false readings on your item that may detract from what we can loan you.

    How do you determine the price of gold?

    The price of gold is based on market values, the price for which is routinely reviewed and updated. Prices can vary greatly as the loan amount for 24K gold is significantly higher than that of 14K gold.

    Can you give a quote on an item over the phone?

    Unfortunately, we cannot give quotes over the phone because loan amounts vary greatly depending on the condition of an item. For general merchandise, we test each item to ensure it is in good working condition. This includes, but is not limited to, a visual inspection, plugging an item in and turning it on, and noting if any necessary accessories and manuals are included. The better the condition of your item, the more money we can loan. And for jewelry, we test to ensure diamonds and gold are genuine. This testing includes a visual inspection using a jeweler’s loupe, weighing the item, sizing (determining carat weight) any diamonds, and noting the cut/color/clarity of each—you may know this as the 4 Cs. In addition, we test the metal using a special acid that determines the karat of gold.

    Why does the loan amount differ from the selling price at local retailers or even Cash America/SuperPawn stores?

    Our pawn loan values are based on pre-owned retail prices, not what the item cost when it was new. Any collateral that is turned over to us and made available for sale is pre-owned and will be priced accordingly on our sales floor. The loan amount we give you is based on that selling price—and our ability to sell the item.

    We offer you as much as we can while still allowing room to pay for the cost of storage, insurance and other costs of doing business.

    Is my collateral safe while in pawn?

    While your item is in pawn, you still own it. It is our responsibility to keep it safe and in good condition while it’s in our care. When you give us an item for pawn, we keep all accessories (remote controls, cables, etc.) with your item and place it in a secure area. Your item is safely stored here until you come back to pay your pawn loan in full and claim your merchandise. All Cash America shops are fully insured for the loan value of the collateral we keep.

    Are pawnshops regulated?

    Yes. States have regulated the pawn industry for decades, and most pawnbrokers are licensed and regulated by local authorities as well. We are subject to such federal laws as the Truth In Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Patriot Act, and Federal Trade Commission Rules on Data Privacy and Security Transfer, as well as Federal Firearms Licenses for shops that deal with firearms. At the federal level, we are regulated by the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), and the Treasury Department.

    Can I pawn a gun?

    Yes. We accept firearms as collateral for pawn loans and sell firearms in many of our locations*. We are registered as a firearms dealer and must comply with all federal regulations. In addition, Cash America adds trigger locks to every firearm as an added safety initiative and furnishes local law enforcement with information on every transaction.

    Are pawnshops stocked with stolen merchandise?



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    #best home loan rates australia
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    RBA Cash rate changes in past 5 years:

    What is best fixed rate home loan ?

    Bank offer very lower rate on introductory interest rate to sign up new clients to their home loans. But if client does not have any historical record about their usual interest rates, that means they are signing up for something very expensive without any prior knowledge.

    To select the best fixed rate home loan, we need to understand the current market situation in term of reserve bank cash rate. If the cash rate is at usual state, or lower than usual state, it means it is risk free to take a fixed rate home loan. Some times when the cash rate remains too low, at that period of time variable rates from banks become lower than previous years fixed rate, or a fixed rate from year before. As a result it is lower in risk factors to take home loan at maximum of 3 years fixed rate. In most cases difference between total savings in 3 years on interest from a 3 years fixed rate home loan with total savings on interest from a 5 years fixed rate home loan is insignificant.

    Considering above it is lower in risk to have maximum 3 years fixed rate home loan to have best benefit on interest. And it is better not to have a fixed rate home loan when cash rate is at pick stage and it is obvious the cash rate will be reduced by next year or so.

    Click here to find current home loan interest rate offers.

    What portion of home loan should be on 3 years fixed rate home loan ?



    Business Vehicle Loans- America First Credit Union #auto #loans #for #bad #credit


    #business loan rates
    #

    BUSINESS LOANS MENU

    Business Vehicle Loans

    This program gives eligible company representatives the ability to buy vehicles in their businesses’ names. America First offers Business Vehicle Loans that are flexible and friendly:

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program
    • Vehicles weighing up to one ton

    Vehicles under this program must be titled in the name of the business and be for business purposes.

    ** Non-profit organizations, associations and restricted accounts are ineligible.

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.

    Conventional Commercial Vehicle Loans

    Need a commercial vehicle for your business? We have affordable financing available.

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program

    Vehicles under this program must be titled in the name of the business and be for business purposes. These include commercial trucks weighing over one ton, commercial trailers, and commercial vans.

    ** Fees may apply if Loan exceeds $50,000.

    SBA Commercial Vehicle Loans

    For some businesses, loans guaranteed by the U.S. Small Business Administration (SBA) make the most sense. Check into our SBA Commercial Vehicle Loans to see if these are right for you.

    • Low, competitive rates & fees
    • Terms of seven years and longer
    • No prepayment or annual fees
    • From thousands to millions of dollars

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.



    Bank of America is offering cheap car loans #loan #payment #calculator #car


    #cheap car loan
    #

    Bank of America is offering cheap car loans

    By: Margarette Burnette, October 22nd 2014

    Bank of America is offering good deals on auto loans this fall, with rates starting as low as 2.34% APR on 60-month financing for new cars and trucks.

    That’s what you’ll pay if you have a checking or savings account at the nation’s second-largest bank. If not, you’ll be charged a slightly higher 2.49% APR.

    Both of those rates are considerably lower than the national average for 60-month loans — 4.02% APR, according to our latest survey of major lenders.

    Borrow $25,000 for five years at 2.49%, and you’d pay $444 a month. Finance the same amount at the national average of 4.02%, and the monthly payment would jump to $461 a month.

    Over the course of the loan, you’d save just over $1,000 in interest charges.

    What really got our attention are the bank’s used car loans. You can borrow money to buy preowned autos and trucks for as little as 2.49% APR over five years with the customer discount, or 2.64% APR for non-account holders.

    Most lenders charge much higher rates for used-car financing. In fact, our survey average for preowned auto loans is currently 4.73% APR. And that’s just for three years.

    Search our database of the best auto loan rates from dozens of other lenders in your area to see if you can find a better deal.

    Then, you can use our auto loan calculator to help you budget your monthly payment.

    These loans are only available for vehicles sold through new-car dealers, and you’ll need good credit to qualify for the lowest interest rates. You have the best chance of qualifying if your FICO credit score is in the mid-700s and up.

    You can apply online at Bank of America and receive a decision in as little as 60 seconds. There is no loan documentation fee.

    Knowing about a deal like this makes it much easier to judge any loan you’re offered by a dealer’s finance manager.

    If he or she can beat Bank of America’s terms, then you’ll know you negotiated a real bargain. If not, you can go with the bank’s offer.

    If you’re planning to buy a new car soon, our 5 simple steps to the best deal on a new car or truck can help you shop with confidence.

    If you’re shopping for a preowned car, follow our 10 smart moves for buying a used car to help you avoid costly traps.



    Bank of America Personal Loan Application


    #online personal loan
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    Bank of America Personal Loan Application

    Bank of America Personal Loan Application can be made online or simply by visiting the nearest banking center in your area. Being one of the leading banks in the United States, Bank of America offers a wide variety of banking products and financial services to millions of customers in the U.S. and various other countries of the world. To those who are in need of financial assistance the bank offers a range of personal loans. Some of the popular personal loan programs offered by Bank of America include auto loans, RV loans, boat loans, aircraft loans, practice loan, access loans, etc.

    To check your Bank of America personal loan application status, you can sign in and view your personal loan decision by providing you e-mail address, social security number and your mother’s maiden name on the space provided on the bank website. Personal loan qualifications are based totally on the income status, repaying ability and the credit history of the applicants.

    Your loan application will be verified for authenticity of the details provided by you. Only after the approval of your personal loan application, the loan amount will be offered to you. You are not required to pay any processing fee while making your loan application. You can obtain Bofa personal loans for a number of purposes such as home renovation, planning a wedding, vacations, debt consolidation and paying your child’s education fees.

    Personal loans offered by Bank of America are unsecured types of loans and the applicants are not required to put any collateral as security against the loan amount. There is a certain amount of risk involved in this loan types as there is no collateral to cover the loss when borrowers are unable to make timely payments. So the credit worthiness and the present income status of the applicants play significant role in the approval of the personal loans. So it is quite difficult for a borrower with bad credit history to qualify for these loan options.

    Website: http://www.bankofamerica.com/vehicle_and_personal_loans/



    Bank of America Student Loans ~


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    Student Loan Program from Bank of America

    Update:В  Until recently, Bank of America administered Federal Student Loans.В  Currently, these loans are issued exclusively through the U.S. Department of Education Direct Loans Program.В  Additional privately funded student financing options have historically been a part of Bank of America s lending portfolio, but these student loans programs have been suspended until further notice.

    The following entry is provided for historical reference and to serve as a resource; should Bank of America initiate student loans at a future date.В  For specific and current information, contact Bank of America directly at 1-800-344-8382 .

    Bank of America. В  like many other lenders, offers student loans to help finance your college experience. At first glance, many private student loans look the same, but there are distinctions worth noting.

    Education loans are structured differently than other loans, and they offer unique benefits to borrowers. It is important to make distinctions between the types of loans Bank of America offers, so that you can make informed education financing decisions.

    CampusOne Student Loans

    Bank of America is a student loan originator.В  When you are awarded student loans, as part of your federal financial aid package, you are permitted to choose your own lender.В  Bank of America can serve your needs in this area.

    Bank of America handles the most common federal loans, Including Stafford Loans, PLUS loans (for parents), Graduate Student PLUS loans and Federal Consolidation Loans.

    Stafford loans are issued as dependent loans or as independent loans.В  When determining financial aid needs for dependent students, the Department of Education considers parental income, as part of the financial aid application.В  Independent student need relates only to the income and assets of the individual student.В  As a result, student loan borrowing limits are higher for independent students.

    Private Bank of America Student Loans

    Private loans from Bank of America are not tied to your federal financial aid offers. They are similar to other loans you d request from banks and credit unions, in that eligibility is based on your credit history.В  If you do not have a positive credit record, you might need a cosigner to get a private student loan.

    However, there are some important considerationsto be aware of when pursuing private student loans.Specifically, Bank of America offers two types of private student loans: those that are certified by your school and those that are not.

    School Certified Loans

    The two types of certified loans offered by Bank of America are Private Student Loans and Bank of America TERI Loans. Private loans help fill gaps left when your other financial aid resources are exhausted. Private loans can be accessed by undergraduate and graduate students, and offer flexible repayment terms that sometimes require minimum monthly payments as low as $50.

    Bank of America TERI Loans are aligned with a non-profit agency called The Educational Resources Institute.В  Founded in 1985, the Institute s stated mission is to increase access to higher education for low-income students.В  Since its founding, the group has aided over one-million individuals. Update:В  Due to unusual market conditions, TERI has suspended all student loan programs.В  The Institute continues to provide educational planning and advising services, and is working with lender partners to minimize the disruption of lending services.

    Non-Certified Loans

    The other private loans offered by Bank of America do not need to be certified by your school. One example is the CampusEdge Student Loan, which acts as a supplement to other federal financial aid. It can be applied to education expenses like textbooks, dorm fees and cafeteria meal plans.

    Another non-certified BofA loan is the Education Maximizer Loan, which also acts as a supplement to federal loans and grants. You can use the money for any education-related expenses, with generous borrowing limits of up to $40,000 a year. Payments can be postponed until after you have graduated from college.

    Bank of America Student Services

    Although Bank of America has suspended student lending, the bank does offer some helpful student services.В  Solutions for Students is a convenient source of banking for college students.В  The service includes:

    • Ebanking with no minimum balance
    • Mobile Banking
    • Budgeting Tools
    • Online Statements
    • Text alerts

    The Bank of America Student Platinum Plus Visa Card is another resource for students.В  Designed with college students in mind, the card includes 4 years of free identity theft protection and no annual fees.В  A competitive interest rate and a host of student-friendly services help you build your own credit, as you attend school.



    Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies – The Onion – America s Finest News Source


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    Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies

    PHILADELPHIA Frankie “The Gorilla” Pistone leans wistfully on his bat. Then, without warning, he picks it up, swinging it furiously toward his deadbeat client’s leg. Just before the Louisville Slugger makes contact with the man’s kneecap, he pulls back, as only a real pro can, leaving the $250-in-the-hole man gasping in fear and relief. “Just get it to me by tomorrow, because next time, I ain’t gonna let up,” Pistone says.

    Loan shark Frankie Pistone, whose way of life is endangered by the likes of American Express.

    As the thankful man scurries off, Pistone pulls the cigarette out of his mouth and drops it to the ground. “I’m going to miss this,” he says.

    Frank Pistone is part of the dying breed known as the American Loan Shark. Not so long ago, the loan shark flourished, offering short-term, high-interest loans to desperate people with nowhere else to turn. Today, however, Pistone and countless others like him are being squeezed out by the major credit-card companies, which can offer money to the down-and-out at lower rates of interest and without the threat of bodily harm.

    “It’s a damn shame,” said Joseph Stasi, 61, a South Philadelphia loan shark whose business is down 90 percent from its mid-’70s heyday. “These days, there’s just no place for the small businessman. My kind, we just can’t compete with the Visas and MasterCards of the world.”

    “The old customers don’t come ’round here no more,” said Felix Costa, 59, speaking from the Elizabeth, NJ, pool hall that has served as his place of business since 1972. “Time was, a guy who needed a quick $400 for a new refrigerator or some car repairs would come straight to me. Now, he just puts it on his Discover card.”

    Though their client lists are dwindling, the loan sharks still have their champions.

    “Call me old-fashioned, but I prefer the loan sharks to the credit-card companies,” said Gene Hobson of Detroit. “When I borrow money from Three Knuckles Benny, I know there’s going to be a personal touch, whether it’s a dead animal on my doorstep or one of my kids coming home with a missing toe. The credit cards just don’t give you that sort of individualized attention. And, if you’re late with them, it’s a form letter and maybe maybe an irate call from the accounts-receivable department.”

    “With our overhead, we need to charge a 50 percent weekly interest rate just to break even,” said a Chicago loan shark who identified himself only as “Johnny Toothpick.” “We’ve got rent, pay-offs, and switchblade maintenance, not to mention travel expenses. How can we compete with rates as low as 18 to 26 percent a year?”

    Continued Toothpick: “These [credit-card companies] are monsters. They care nothing about the damage they’re doing to the American landscape by driving us out. Loan sharking was about more than giving people money and roughing them up when they didn’t come through. It was about ruffling a kid’s hair on the street, helping out a local fella who needed a break, and occasionally letting somebody off easy with just a couple of punches to the gut instead of a glass-filled sock to the face. It’s a unique part of our shared national experience that, once extinct, will never come back.”

    With nearly 200,000 new credit-card solicitations going out every week, the loan sharks have little hope of regaining the ground they’ve lost.

    “We were going by word of mouth, and we did pretty good around the neighborhood,” Pistone said. “But these credit cards? With direct mail and the Internet, they reach a customer base we can only dream about. In this business climate, how can a small, independent goon possibly compete?”