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How to Find Cheap Loans UK
For the individual in need of cheap loans UK , it can sometimes seem like the loan they seek is always just out of reach.
The hardest part of finding cheap loans UK is usually sorting through the various types of loans to find the one loan that...
How to get your New Home Construction Loans
Deciding to build your first new home or that home of your
dreams requires funding for the building process. Luckily, for
you there are new home construction and stated income
construction loans out there that are ready to help you get
started...
Low Interest Personal Loans - Unearthed from the Deeps of Impossibility
Personal loans have a very old history of use in the UK. Banks,
even in the yesteryears, would similarly lend money to people
for a certain term. The manner in which personal loans are
offered may have undergone a vast change because of...
Miami Online Home Loans
Living in Miami, Florida has so much to offer. Tropical weather, mild winters, lovely beaches, a thriving night life, a diverse community, and great food are some of what you can find in this bustling city. Home prices have been increasing sharply...
No Money Down Loans
You want to buy a home but you do not have money for a down payment or for closing costs? Well, just forget it. At least that is what you have probably been told by people who think they know what they are talking about, but simply do not.
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Loans for Women : Personal Loans
Loans for Women : Personal Loans
If you can't get a loan at the bank, then you still have options
even though they don't look as tasty as a low APR loan. Women
with good credit can easily get a loan at their bank. What's a
good credit score? Anything over 650 can get you a loan if you
don't have any current delenquincies. Even a charge off won't
stop you from getting a loan if you have shown financial
responsibility in the last 3 years.
In some states you can't get a personal loan to pay off bills,
yet you can get one for vactioning or remodeling or even for new
clothes. The bank WILL ask you what you want the loan for. If
you say you want to pay off your bills, you might not get it. If
you go in there and tell them you want a debt consolidation
loan, instead of a personal loan, then you might get it or a
some advice on how to get one.
One almost guaranteed way to get a loan is to put up collateral
in the form of a savings account, CD, or money market account
with their bank.
Where do you get the funds for this?
Well, one way I did it was to borrow $5,000 from a family member
with the promise that I would give it right back within 2 days.
I then went and bought a 2 year $5,000 CD at my bank. Then I
turned around and told them that I wanted to borrow $5,000
against my CD as collateral. Not only did they agree, but I got
a great interest rate of less than 3% because I had done it that
way. I borrowed $5,000 on a two year note for less than 3%. My
$5,000 CD was also earning a small interest rate. I took the
$5,000 cash and paid back my relative within the 2 days just
like I promised. I now had a loan payment, but I ALSO had a
$5,000 CD in the bank!
After 2 years, the CD was free and clear, so I left it in there
and borrowed against it again the same way. Now I had $5,000
cash to spend AND my $5,000 CD was still in the bank earning
interest.
Some people said to me,
"Yeah, but now you had a loan payment
for 2 years." I explained that I didn't look at it that way. I
looked at it like I was putting money away every month for 2
years into a savings account, and sure enough when the 2 years
was up, I was 5,000.00 richer!
There are several creative ways to get a personal loan if you
just put your thinking cap on. One thing to note: IF you have
bad credit and you know it, you are going to pay higher interest
rates and sometimes extra loan fees. There are several online
programs now where you can find personal loans and business
loans for those with poor or bad credit. Be prepared for those
extra fees and higher interest rates.
It just depends on the urgency of your situation. Sometimes a
payday loan can get you out of immediate trouble. Just pay that
back on time to avoid any extra fees. A payday loan that keeps
you from bouncing checks will cost you a lot less than some of
the bank fees for bounced checks and the other bad check fees
from the person you wrote the check to. That alone can add up to
60.00 for just ONE bounced check. That can also spiral out of
control if one bad check turns into several bad checks.
I know for a fact that a lot of banks will deduct your highest
check first so that they can have "several" smaller checks
bounce because then THEY make more money. I've seen this get out
of hand with women and some of them owing up to 500 to 600.00
just in bounced check fees.
If you do look for a personal loan, see what you can offer as
collateral so that you can get a better interest rate even if
your credit score is not that great.
About the author:
About the Author: Rebecca Game is the founder of Digital Women,
an online community for women in business. A 30 year
entrepreneur and dedicated to helping other women. Visit her
site: Loans
for Women
http://loans.digital-women.com
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