|
|
|
Being Informed About Debt Consolidation Loans is the First Step Towards a Best Deal.
Though online loans brought in convenience to borrowers, trusting a particular lender for his services was made far more difficult. Having to deal with a virtual person through ones computer left little of personal bonding between lenders and...
Home equity loans: abusive lending and how to avoid it
Home Equity loans were initially designed to allow individuals who had not yet paid off the full amount of their home, the ability to borrow against what portion of the home they had paid for. So for example, a couple who had been making monthly...
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.
...
Shopping for Loans Online
When looking for loans online, you might find yourself wondering exactly how secure your information is and how the loan that you can get online would compare to a loan obtained at a physical establishment such as a bank or finance company. Both of...
Student Loans: when your educational dreams can't compete with the cost
Do you know what's soaring and trying to touch the sky? The cost
of education. Evidently there arises a need for student loans.
There is no doubt there are scholarships and grants but they do
not always make sure that the cost of education is...
|
|
| |
|
|
|
|
|
|
Payday Loans: A better solution for the average American worker.
With the New Year upon us and Christmas bills starting to pile
up, countless Americans are wondering how they will pay the
bills and cover the taxes due in April. Payday loans are one
solution to individuals feeling the crunch of bills and taxes. A
cash advance will enable you to pay those bills and take care of
impending circumstances without over-extending your credit cards
or racking up non-sufficient fund fees. This source of fast cash
is used by many Americans to eliminate the long-term high cost
of credit card interest rates while providing an instant cash
solution for their pressing needs. Why would you consider a
payday loan? That is the question many American workers ask when
they are looking for a solution to their bills, and
unfortunately, those working class individuals without pristine
credit are shut out of traditional options like low interest
rate credit cards and home equity lines. The payday cash loan
has become a practical option for individuals experiencing a
financial emergency. To meet the requirements for a payday loan,
most cash advance services require you to meet a few
qualifications. First, you need to be at least 18 years of age
and a United States citizen. Second, you need to have a job or
be able to show that you receive some kind of regular income,
which brings in at least $1000 each month. Third, you must have
a checking account (a few will qualify you with a savings
account) to finalize the transaction. Some companies will
include additional requirements, but these are the most common
prerequisites to obtain a payday advance. If you meet these
conditions, you generally have to fill out the company¡¯s online
form to find out how much you will qualify to receive. They,
like nearly all lending institutions, will gauge the amount you
may borrow by the amount of your income, although, unlike most
lending institutions, these companies are much more lenient in
their lending practices. In general, the majority of the online
payday advance companies do not disqualify you because of bad
credit, bankruptcy history, or prior bad checks. There are no
long lines and no long delays while the company reviews your
application. In addition, this process takes place in the
comfort of your own home or office, not the cold atmosphere of a
bank. Most companies have a relatively simple and quick online
form for you to fill out, and once your loan is approved and you
speak with a
representative, the company deposits cash directly
into your bank account. Make sure you review the website
completely, and read the details. Do you find the fees fair, and
are the terms acceptable? In order to receive a cash advance,
companies require you to have a bank account because when it is
time to pay back the loan, the company will simply deduct the
principle and fees from your account during your next pay period
unless you ask for an extension. Now the fees seem extremely
high for this service unless you do the math on how much it will
cost you not to take the short-term loan. What did you pay for
your last bounced check? Most banks charge between $25-$35, and
often times merchants charge a matching fee. The expense of a
payday loan does not sound nearly as bad once you consider the
bank charges and credit reporting that takes place when you
bounce a check. If your credit card company were going to charge
you a $29 late fee and raise your interest rate, wouldn¡¯t you
be better served to take an advance on your paycheck rather than
take the long-term consequences of higher interest rates? Of
course, there are payday loan companies that are out there to
take advantage of unsuspecting consumers, and that is why you
must do your homework and make sure the fees and terms are
acceptable. Lately, many news articles have criticized the
payday loan industry, yet these same reporters have not
questioned the excessive fees and interest rates charged by
traditional lending institutions. Obviously, it is in the best
interest of banks and credit card companies if consumers
continue to accept their Machiavellian policies (remember
Machiavelli advocated deceit to gain and maintain power).
Non-traditional lending companies challenge this totalitarian
authority and give the working class another option besides
paying outrageous credit card fees, bank fees, and unwarranted
interest rates.
Danielle Peck is the partner and research specialist for
www.skitastic.com, a website that provides information and
resources on cash advance and payday loans. You can visit the
website at: http://www.skitastic.com.
About the author:
Danielle Peck has a Degree in Sociology, and spends much of her
time examining new phenomena in culture. Her main goals in this
pursuit encompass both social and personal change while finding
the link that makes us all human in the twenty-first century.
|
|
|
|
|
| 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 |
|
|