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Alternatives to Credit Cards that You need to Know
Are you one of those people who only ever got a credit card for the convenience of being able to pay without cash, or because you weren't aware of any other easy way to borrow money? Millions of us are, thanks to the unavoidable advertising of the...
How Credit Repair Saved My Life
Once upon a time in my life, I was dead. Dead not in the physical sense mind you, but the consumer sense. You see, I had bad credit. Actually, bad credit would have been an upgrade. I even got a denied letter for a debit card. That's right, the...
Information on Visa Credit Cards
Visa. Clearly one of the most known credit card companies, the Visa symbol is known worldwide. There are many different types of Visa credit cards offered, and this article will review some of them to give you a better feel for the company. Visa...
Legislators Ponder New Credit Protection Laws
Legislators in Washington, D.C. are considering several credit-related consumer protections as outlined in The Fair and Accurate Credit Transaction Act of 2003 (H.R. 2622). If approved, consumers could benefit from the most wide-ranging changes...
Useful Tips On Avoiding Credit and Charge Card Fraud
Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your...
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Bad Credit Used Car Loan: When Bad Is Not Really Bad At All
For people who have a low credit score or had encountered some
serious credit problems in the past and need to buy a car, then,
they have to apply for the so-called bad credit used car loan.
Basically, a bad credit used car loan provides the debtor the
chance to obtain a car. The only drawback is that due to the bad
credit history of the person, bad credit used car loans will
require the buyer to pay the loan in a shorter time and with
higher interest rates.
However, there are many creditors these days that offer
comprehensive payment terms that let people pay back their loans
even up to seven years.
Normally, bad credit used car loans only allow the debtor to pay
back the whole loan within a 48-month period. This is because
the creditors know that the car being purchased is already used,
hence, the amount will be smaller when compared to a new car. In
this manner, the lender looks forward to debtor's capacity to
pay back the loan in a possible shorter time.
However, there are some factors that need to be considered first
before getting a loan. Here's the list:
1. The debtor should know the prices of used cars, so that they
will know how much they should loan.
There are some cases wherein car dealers take advantage of their
customers especially
if they know that the buyer has a bad
credit history and is using a bad credit used car loan. Chances
are these kinds of companies will provide higher prices.
2. Debtors should make it a point to shop around for the best
terms and conditions of bad credit used car loans.
Not all lenders are created equal and each creditor that
provides bad credit used car loan has its own terms and
conditions. Hence, it is important to shop around so as to
obtain the best deal.
3. Debtors or borrowers should know the specific requirement
stipulated in the bad credit used car loan. There are some banks
or financial institutions that will only grant loans to those
who will buy used cars that are 4 to 5 years old.
All of these things are boiled down to the fact that even if the
loan is based on a bad credit history, people should not take
bad credit used car lenders for granted.
They should remember that this loan may be the way to obtain a
good credit history once more.
About the author:
Gregory Ashton, your resident automobile enthusiast, bringing to
you over 20 years of vehicular passion, and expertise; presents
for your approval his insider secrets on selecting, buying, and
maintianing the car that is ideal for you.
http://www.best-car-buying-tips.com
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| Credit - Wikipedia, the free encyclopedia |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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