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Ameriquest Mortgage Company Tips, Tricks, And Offers For Refinancing Loans For Your Home
Ameriquest's loans are easy to qualify for, and they are willing
to work with you to custom design a loan that fits your needs.
An Ameriquest mortgage can mean that you can lower your current
monthly payments, have cash back, and take a thirty...
Loans for those with Bad Credit
If you have bad credit, you may be finding it increasingly
difficult to get vital loans. While this is generally a sign
that you should try to avoid further borrowing, there are
certain circumstances in which it is just vital that you...
Secured Loans Information
A secured loan is a personal loan which is generally offered to home owners. In a typical secured loan, the home is used as collateral against the loan, meaning that should you be unable to maintain the loan repayments, your home will be at risk. ...
Sub-Prime Mortgage Loans - Things You Should Know About Sub-Prime Mortgages
Sub-prime mortgages are not that much different from average mortgages. They have interest rates, points, and fees. They can be compared online, and they have seasonal trends. The only real difference is that as a borrower with a less than stellar...
Understanding Secured Loans
A secured loan is any loan that is secured on your home or property. Secured loans are more easily accessible to those with a poor credit record. This means that persons who are self-employed, or who have recently changed jobs, or who have adverse...
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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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