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A Beginner's Guide to Online Loans
If you're just beginning to look at online loans, you might feel that you're getting in over your head. Online loans have been growing in popularity in recent years, due in no small part to the ease and convenience of being able to apply for online...
A Beginners Guide to the Best Online Loans
If you're looking for the best online loans, it doesn't hurt to do a little research so that you'll know exactly what sort of things that online lenders are going to be looking for when you apply for a loan.
It's obvious that the best online loans...
A Little Lesson on Loans
The opportunity to spend money is everywhere. There is no shortage of places that will take your cash. In fact, to keep the money flowing out of your wallet, banks and merchants continually come up with easier ways for you to spend it. But when it...
Fast Loans for Unemployed - Bringing Financial Relief Real Fast
A faster approval of loans has a special significance for the unemployed people. Having ended their only source of stable income, finance starts holding a place of prominence in their lives. Without a fast financial assistance in the form of loans...
Home Equity Loans - 5 Useful Application Tips
Obtaining a home equity loan does not have to be a major ordeal. Unlike your first mortgage, you are already in the home, and usually time is not such a major factor. You can close the loan at your own leisure, and take your time researching the...
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Finding The Cheapest Loans
If there's one thing it's always worth doing, it's shopping
around for best deal. This is generally true for all purchases
you're going to make, but one place it's more important than
most is with loans. Many people don't think about it too much,
but loans are for many people, the single biggest financial
transactions they'll make in their lives.
All the major purchases you'll make will involve credit of some
sort. If you're buying a house you'll be searching for a
mortgage. If you're buying a new car it'll be auto finance. When
you travel you'll likely need a credit card if you don't already
have one. Remodelling your home, paying for college, for almost
everyone, they involve a significant amount of credit.
Shop Around
So it's worth shopping around. If we spend a day or more looking
for a good deal on a pair of jeans, why should we accept the
first credit offer we receive? Loan rates and terms can vary
enormously from lender to lender. All of them offer many
different rates at the same time depending on the promotion
you're applying under. They will also be setting the rate
according to your credit rating. The important thing to remember
is that credit is a very flexible market and pretty much all
lenders will be willing to negotiate rates and terms with you.
You've Got To Haggle
For example, if a rate seems too high to you, simply tell them
that, and
ask if there's a better rate available. Often their
first offer is not the lowest they're willing to lend at.
Another thing you can do is offer security for the loan. If you
own you're home and are confident in your ability to repay the
loan, maybe ask what the rate would be if it was secured over
your home. You'd be surprised at the difference in rate you'll
get simply for offering security.
Mortgages
If it's a mortgage you're negotiating, ask for both the variable
and fixed rate. Typically the variable mortgage will be a good
0.2% to 0.5% cheaper. This is because you will be bearing the
risk of an increase in interest rates. Auto finance is one of
the most varying areas in the market. You're dealer might be
offering you what seems like a good credit rate, but often if
you agree to pay cash, the price of the car becomes cheaper,
which means the loan is actually more expensive than it appears.
If this is the case, try and get the finance from another lender
and get the dealer's cash price for the car.
One other way of making a loan cheaper is by dropping optional
extras such as loan repayment insurance. This is often offered
when you take out a loan and can make a big difference to the
cost of the loan.
About the author:
Joseph Kenny is the webmaster of the loan information sites
http://www.selectloans.co.uk/ and also
http://www.ukpersonalloanstore.co.uk
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| Cheap Loans | car, personal & secured homeowner loans ... |
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| Loan Center - Yahoo! Finance - News, Education, Daily Rates and ... |
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| www.moneyweb.co.uk |
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| Personal Any Purpose Loans : Loans.co.uk : Personal Loans UK |
| Offers consumer loans for any purpose in the United Kingdom. |
| www.loans.co.uk |
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| FinAid | Student Loans |
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| GovLoans.gov - Find the Right Loan for You |
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| Loan - Wikipedia, the free encyclopedia |
| Bank loans and credit are one way to increase the money supply. ... Abuse in the granting of loans is known as predatory lending. ... |
| en.wikipedia.org |
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| Mortgages, Refinance, Home Loans, Home Equity Loans at Quicken Loans |
| Online lender offers simplified residential loans and competitive mortgage rates. Headquarters in Livonia, MI. |
| www.quickenloans.com |
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| Mortgage Loans - Compare Mortgage Rates - MSN Money |
| Get a mortgage loan that’s right for you. Compare mortgage loan rates of top lenders. |
| moneycentral.msn.com |
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| The Student Loans Company Ltd. |
| Provides details of the Student Loans system which is part of the Government's financial support package for students. |
| www.slc.co.uk |
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| Sallie Mae - Private Student Loans, Stafford, PLUS, Student Loan ... |
| Apply online for federal and private student loans, consolidate student loans; financial aid and scholarship information for college, graduate school and ... |
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| Loan Guaranty Service, Home Page (U.S. Department of Veterans Affairs) |
| This page provides content and information related to the Loan Guaranty Home Loan Program. |
| www.homeloans.va.gov |
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| Fool.co.uk - Compare Loans - Personal Loans and Unsecured Loans |
| Compare over 200 UK loans including personal loans, secured loans, and unsecured loans. Search all loans and apply online. |
| www.fool.co.uk |
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| LendingTree Home Loans | Refinance | Home Equity | Mortgage Refinance |
| Service network of lenders that enables consumers to compare rates, apply for and get approval for competitive auto loans online. |
| www.lendingtree.com |
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| Direct Loan Home Page |
| The US Department of Education's lending arm for students in participating schools and student loan consolidation. |
| www.ed.gov |
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| Personal, home equity loans for union members at Union Plus |
| Union Privilege offers Union Plus benefits -- including credit card, mortgage, loans, insurance, scholarships, health care savings and other discounts -- to ... |
| www.unionplus.org |
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| Countrywide Financial - Home Loans - Equity Loan Mortgages ... |
| Countrywide Home Loans is the nations largest independent mortgage lender offering home equity, HELOC, refinance, mortgages, debt consolidation and other ... |
| my.countrywide.com |
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| Secured Loans UK - Secured Personal Loans - accepted.co.uk |
| We search over 200 secured loan plans to find the best deal from our lenders - accepted.co.uk. |
| www.accepted.co.uk |
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| UK Loans : Personal Loans, Secured Loans, Cheap Loan Quotes |
| The UK Personal Loan Store offers comparisons of the UK loans, personal and secured loans. Also offers tips, articles and latest loan news section. |
| www.ukpersonalloanstore.co.uk |
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