|
|
|
A Guide to Finding Home Owner Loans
If you're in the process of trying to find home owner loans with a good interest rate and acceptable terms, you'll likely find that there are a variety of options available to you. As long as you have sufficient equity in your home to secure the...
Bad Debt Loans - Ensures that Debts no Longer Trouble Bad Credit Borrowers
Borrowers with a bad credit history have little credibility
among the loan providers. The debt burden further tatters the
faith that the individuals would have enjoyed. In fact, debts
are considered a prelude to the bad credit history. Debts...
Home Loans and Mortgages – Watch Out for Dangerous Subprime Loans
With the growing interest in real estate purchasing and speculation, more and more lenders are offering “nontraditional” types of mortgages. These include adjustable rate mortgages (ARM) of every shape and size, the more popular interest-only...
Online Home Equity Loans: A Basic Glossary
Home equity loans can be a great idea for individuals looking to get out of debt or make necessary repairs on their homes. During the process, you will come across a variety of terms and acronyms. We have gathered together some of the basic terms...
Secured Loans,Secured Personal Loan,Uk Secured Loan,Uk Secured Loans,UK Unsecured Loans,Secured Loans in UK,Unsecured Loans in UK,Secured Home Loans
Seek.UK http://www.seek.uk.com
SECURED LOANS
Secured Loans - The perception of the world has changed
over the past few years. As borrowing money today is not
considered a taboo. Though, it is seen as the most preferred way
to...
|
|
| |
|
|
|
|
|
|
Payday Advance Loans: Use Wisely
Ever wonder how some people manage to take out expensive payday advance loans and still come out on top financially? It’s not easy, but it is certainly possible. This is the story of Emily, one person who used a payday advance loan to dig herself out of a financial rut.
Emily’s charge card, car payment, cellular phone bill, and rent were all due in three days, $1,500 total. Emily had $500 in the bank. Her monthly pay check wouldn’t come for ten more days, and her boss said no to a payday advance. Loans were out of the question, she thought. She needed the money in three days, and a bank loan would take that long just to mail her the paperwork.
If Emily was late paying her $300 credit card bill, she would incur a $35 late fee which would make her balance exceed her credit limit, earning her a $50 over-the-limit fee. She couldn’t afford to be late on her car loan, cellular phone or rent, even though there were no late fees. Having paid each of those bills late a few times in the past, she’d be skating on thin ice if she did it again.
Cash Advance Payday Loans: Emily’s Salvation?
Emily decided to apply for a cash advance payday loan. She knew it would be foolish simply to trust a lender of these loans for information. Searching on the internet, she found a website that did not belong to a payday advance loan lender, but instead reviewed the payday loan lenders.
She visited the website of online payday advance loan lender that was rated particularly well. Emily knows there are a lot of cheats on the web, so she was careful. Here’s what she looked for:
• The loan company’s website had a link to the Better Business Bureau. Clicking on the link, Emily saw the company’s record: member in good standing with no unresolved complaints.
• The loan company’s application clearly stated what the fees were, and what the annual percentage rate (APR) was. It also stated what penalties Emily would have to pay if she did not pay back the loan on time.
• Looking at a few other websites, Emily saw that the original loan company’s loan terms, fees, and interest rates were competitive.
• She double-checked that her upcoming paycheck would be enough to cover all her outstanding bills.
• She then checked into all the bills she
would have to pay in between her upcoming paycheck and the one after that. After all, with her next paycheck going to repay the payday advance loan, she would need to make sure there was enough money left over to pay her remaining bills. She didn’t want to have to take out another loan after that.
• Emily figured out that she would have $300 left over after she paid all the bills between now and the next month’s paycheck. Living for 40 days on only $300 would be a challenge. But she decided she could do it if she economized. She would bring her lunch to work rather than buy it in the cafeteria, and give up going out at night--including un-inviting herself from a co-worker’s upcoming birthday party at the neighborhood bar.
• She posted notes on her refrigerator, steering wheel, and wallet, reminding herself not to make too many car trips, waste food, or splurge. She made herself the goal of reading several books she’d always wanted to read, rather than going out. She got them free from the library.
Did Emily’s Payday Advance Loan Plan Succeed?
Fully prepared, Emily took a $1000 cash advance from the ABC Loan Company and repaid it on the 15th along with a $50 fee. She saved $85 in credit card penalty fees. She also stayed on the good side of her landlord, car loan lender, bank, and cellular phone provider.
The experience also brought home to Emily that she was living too close to the limits of her paycheck. She realized that she would be better off moving out of her studio apartment, into a room in an apartment of a few friends. She’d also save money on gas by moving closer to work.
Today, Emily is grateful to the payday lender for saving her from financial disaster. She’s also proud of herself for being able to stay out of the debt trap so many other payday cash advance borrowers get into. She recommends to all her friends that if they ever get a payday loan, they do their homework, just like she did.
Do you want to use a payday loan wisely, just like Emily did? Take Emily's advice: start researching good payday loans online right now.
About the Author
Joel Walsh has written more tips on avoiding high fees on payday loans online: payday loans online
|
|
|
|
|
| Cheap Loans | car, personal & secured homeowner loans ... |
| Compare over 400 UK personal (unsecured) and secured homeowner loans, including car loans, to find the cheapest deals... |
| www.moneysupermarket.com |
|
| E-LOAN: Mortgage Refinance, Home Equity, Auto Loans, Savings ... |
| E-LOAN offers home mortgage, refinance, home equity loans, lines of credit, auto and motorcycle loans, savings accounts and CDs with great rates online. |
| www.eloan.com |
|
| Loan Center - Yahoo! Finance - News, Education, Daily Rates and ... |
| Loan Center - The Yahoo! Finance Loan Center provides useful tips, calculators, and rate data to help you choose an auto loan, mortgage, or personal loan ... |
| loans.yahoo.com |
|
| FREE LOANS QUOTE - the customers champion. Finding you the right ... |
| COMPARE! Let us get you a loans quote with minimal fuss. We're the UK specialists. |
| www.moneyweb.co.uk |
|
| Personal Any Purpose Loans : Loans.co.uk : Personal Loans UK |
| Offers consumer loans for any purpose in the United Kingdom. |
| www.loans.co.uk |
|
| FinAid | Student Loans |
| An education loan is a form of financial aid that must be repaid, with interest. ... The interest rate on the Stafford Loan for new loans first disbursed ... |
| www.finaid.org |
|
| GovLoans.gov - Find the Right Loan for You |
| GovLoans is a partnership of many Federal agencies and organizations with a shared vision - to provide improved, personalized access to government loan ... |
| www.govloans.gov |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 ... |
| www.salliemae.com |
|
| 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 |
|
| 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 |
|
| 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 |
|
| Direct Loan Home Page |
| The US Department of Education's lending arm for students in participating schools and student loan consolidation. |
| www.ed.gov |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
|