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Balloon Home Loans - Be Careful
In this modern economy, lenders provide loans tailored to just
about any situation. Balloon loans are one such loan, but carry
a serious downside if you're not careful.
Balloon Loans
A balloon loan has nothing to do with hot air or...
Bridging Loans
A couple of years ago my wife and I were in the process of
selling our house. We were pretty sure we had found a buyer and
had agreed on a price acceptable to both them, and us but they
wouldn't be able to buy our house for about three months....
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...
Secrets Behind Interest Only Loans: Lower Payments, But Are They Right for You?
Interest Only loans gained widespread popularity in 2003 when FannieMae, the largest purchaser of secondary market home loans, provided guidelines to wholesalers for purchasing them. FannieMae calls it Interest First also known as Interest Only...
Title Loans - Get More of the Title to your Vehicle
Title loans have the same features as a secured loan, except for a single aspect. While secured loans do not spell out the type of collateral that will suffice it, title loans specifically require cars or any other vehicle to act as collateral....
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Car Loans After Bankruptcy - Tips To Getting Approved
A car loans after a bankruptcy is one way to help build back your credit history. In fact, once your bankruptcy closes, you can apply for a car loan the next day. To get approved with the best rates for your car loan, follow these tips.
Review Your Credit Report
Before you start applying for a car loan, check out your credit report and make sure all your accounts are in order. It is not uncommon after a bankruptcy to see open accounts that should be closed, which hurt your credit rating.
While looking at your credit report, consider adding a page explaining the situation that resulted in your bankruptcy. If there were extenuating circumstances, lenders may approve you for a better rate than under normal conditions.
Plan Your Car Purchase
Before purchasing a vehicle, decide what you can afford in a monthly car loan payment. This will help you decide which financing package is best for you. Both the loan amount and length of payments will determine your monthly payments, so there is flexibility in determining which vehicle you can afford to purchase.
Use A Car Loan Lender
Car loan lenders make their money by finding you a loan. Car loan lenders work with several financing partners to back loans with all types of
credit risk, including bankruptcies.
Online car loan lenders deal with thousands of loans, and can usually find you a better deal than your local car dealerships. Online car loan lenders will send you a check when you are approved, basically making you a pre-approved car loan buyer.
Explain Your Situation
Car loan applications will ask if you have ever declared bankruptcy and why. This is your chance to explain what led up to the situation and what steps you have taken to resolve your credit situation. Be sure to include improvements in your financial history too.
Consider Refinancing
Once you are approved for a car loan, keep your eye on future refinancing. By making regular payments on all your bills, in a year’s time you could qualify for significantly lower interest rates. In three years, you can build your credit score to near excellent and qualify for even lower rates.
About the Author
Carrie Reeder is the owner of http://www.abcloanguide.com, an informational website about various types of loans. To view our list of recommended auto loan companies online, visit this page: http://www.abcloanguide.com/autoloans.shtml
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