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A Beginner's Guide to Bad Credit Secured Loans
Here is a useful beginner's guide to bad credit secured loans. If your credit is less than perfect but you find yourself needing money now, you might want to look into bad credit secured loans. If you're not sure what these are, bad credit secured...
Bad Credit Car Loans Are Possible
Bad credit car loans carry a higher risk to the lender, so the borrower must pay a higher than usual interest rate. You probably will need to apply to more than one lender and give more documentation. Still, a bad credit loan is worth the...
Online payday loans - associate technology to get an instant loan approval
Rightly said by Corita Kent that,
"Life is a succession of moments. To live each one is to succeed"
Life is full of uncertainties. One never knows when a financial
emergency can arise. You will deal it with comfort if urgent
cash need...
Secured Personal Loans - What You Need To Know About
Loans that are secured against property are called secured personal loans. They are suitable for when you are having difficulties getting an unsecured personal loan, are trying to raise a large amount, or you just have a bad/poor credit history....
The Best FHA Home Loans
FINDING THE BEST FHA HOME LOANS
For many, finding the best FHA home loan should not be a
problem. Although there's a number of different kinds of FHA
homes loans, in this article we'll talk about just 2 of them.
For most first time home...
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Instant Cash Loans - Avoiding High Fees
You have heard the stories of people taking out a cash advance
only to owe more in finance charges than in principal. You can't
help but ask - how did this happen? Will it happen to me? You
can avoid such situations if you shop wisely for a cash advance
company and pay your loan on time.
Rolling Fees
Cash advance lenders charge on average $15 for every $100
borrowed. If you were comparing APR, it would be 390%. Some
lenders' APR can be as high as 1000%. This usually occurs when
the pay back period is calculated in days rather than weeks.
So a cash advance of $100 will require a payment of $115 on
payday. If that loan is rolled over for another two weeks, the
loan payment will be $130. Do that for four pay periods, and you
will owe $60 in finance charges. After seven pay periods, $105
in finance fees will be racked up, more than the original loan
amount.
Research Rates
One way to avoid this situation is to research rates prior to
taking out a cash advance loan. Investigate rates of lenders and
understand their payment structure. You can also search for
first time deals online that reduce or eliminate some fees.
Pay
Back Your Loan
Plan on paying back your loan on your payday. This is the surest
way of avoiding those rolling fees. You can arrange with your
lender to automatically deduct your payment when you are paid.
Some lenders default to only a partial payment, but you should
request a full payment. Cash advance companies may present it as
a benefit, but you are only increasing your finance fees.
Other Credit Sources
If you need a long term loan, then consider your other sources
of credit. Credit cards and personal loans offer a better APR.
But you should be aware that they will negatively impact your
credit score.
Another option is to use a credit counseling service. Through a
confidential meeting, a counselor can help you plan your
finances. They can also point you toward financial services,
such as debt consolidation.
About the author:
See my recommended Cheap
Payday Loan companies with the lowest rates online. Carrie
Reeder is the owner of ABC Loan Guide, which offers help with loans for people with low
credit scores.
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