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Hard Money Loans - Reasons Why You Might Want To Try Applying With A Subprime Mortgage Lender
Before you apply for a hard money loan, try applying with a subprime mortgage lender first for lower rates and fees. Hard money lenders charge excessive fees to high-risk borrowers, but will only lend 50% to 75% of the value...
How to Find Cheap Home Improvement Loans
If you have home improvements that you'd like to see done but don't have the money to do them, you might want to consider looking for cheap home improvement loans. These are loans that are designed with the homeowner in mind, and allow you to make...
Loans For Unemployed
It is one of life's small cruelties that the times when you need
credit most badly, are also the times when lenders are least
willing to give it to you. When you are finding it hard to meet
your obligations, your car payments are behind, your...
Locating Cheap Personal Loans
Locating the cheap personal loans that you're looking for isn't always easy… sometimes it might seem as though there aren't any reasonably-priced personal loans to be found unless you have absolutely spotless credit or connections within the banking...
Why Home Equity Loans are popular
Why Home Equity Loans are popular Home Equity Loan - An extremely popular and efficient way to borrow is using the roof over one's head as collateral for sizable amounts of credit. To define a few terms, equity is the difference between your...
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Auto Loans with Bad Credit
Certain types of loans are very hard to get approved for if you
have bad credit. For example, if you have poor credit, getting
approved for an unsecured loan or unsecured line of credit is
out of the question.
However, there are also types of loans that are not difficult
for poor credit applicants to get approved for. For example,
auto loans are fairly easy for people with bad credit to get
approved for. In fact, there are many companies that will grant
financing to individuals with the worst credit. People that have
experienced bankruptcy, repossession, divorce, foreclosure can
get the car loan they need!
You may ask, 'How is it possible to get approved for a bad
credit auto loan if I have such bad credit?!'. It's easy! A car
loan is a secured loan. This means that you are guaranteeing the
loan provider that you are going to make the auto financing
payments. If you do not make the payments, your new car is going
to be repossessed from you by the lending institution. When you
lose your automobile to repossession, you also lose any money
that you already paid for financing, as well as any add-ons that
you invested into your car like a new stereo, wheels, etc..
The interest rates for bad credit auto loans are obviously going
to be higher than the interest rates associated with a good
credit car loan. However, if you show a positive payment history
for your auto loan, you can refinance this loan with the same,
or
another company after one year. When you refinance an auto
loan with bad credit, you can obtain rates that are considerably
lower than the loan you first received. The fees associated when
you refinance are minimal. Typically, all you will have to pay
is a transfer fee and a state fee. The fee ranges between $5 -
$10. The state fee can be between $5-75. The transfer fee is
usually $5-$10 and the state fee is usually $5-$75. Refinancing
your existing car loan is definitely something you want to
consider if your interest rate is anything over 10%.
In conclusion, auto loans are a great way to turn your credit
history around. However, if you do not make your payments on
time, your credit will be adversely affected. If your car
becomes repossessed because of non-payment, your credit will be
severely hurt. So, if you take advantage of the second chance
offered to you by utilizing an auto loan on a new car, make sure
you buy a car that is in your budget so that you don't have to
worry about making payments. Be practical. Don't buy something
that you can no afford.
About the author:
Jacob Andrews is the webmaster/marketer of Premier Auto
Financing. Premier Auto Financing provides auto loans for
people with good and bad credit. You can use your loan to buy
from a private seller or from a dealer.
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