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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 Credit Loans: How To Get Up to $15,000 Even With Past Credit Problems
Access Loan and Credit Data are offering $15,000 cash loans within 30 days, even to those with credit problems in the past or present. "The reason we are doing this is because we know that many of you have been hurt by companies that make...
Debt Consolidation Refinance Loans - A Great Way To Lower Your Bills
For millions of homeowners, refinancing is the perfect way to consolidate debts. You can consolidate your debts, eliminate outrageous interest rates and fees, and make one low monthly payment. Credit cards, medical bills, and unsecured loans can all...
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....
Wedding Loans- Specialized loans for Special Weddings
"Marriage is an athenic weaving together of families, of two
souls with their individual fates and destinies, of time and
eternity--everyday life married to the timeless mysteries of the
soul"
This is how Thomas Moore describes the word...
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Quick Cash Loans - The Real Cost
So many numbers are thrown around when talking about cash
advances, also called payday loans, that it can be hard to know
what the real cost is. What you actually pay for your payday
loan is usually a financing fee rather than an interest rate.
APR is used to compare the yearly cost of such a loan, even
though payday loans are usually repaid in less than 17 days.
Financing Fees
Most cash advance companies charge finance fees rather than
interest in order to get around some state laws. Finance fees
are usually charged on a pay period schedule of two weeks,
although some companies have a shorter or longer repayment
periods.
For a cash advance of $100, you can expect to pay around $15 in
finance fees. Some lenders charge more or less, so it pays to
compare rates. Online lenders usually post their rates or APR,
so you can research lenders in minutes.
If you don't repay your loan when it is due, you can roll it
over. You add on finance fees for the additional time. You have
to be careful with this option. If you put off repayment too
many times, you can end up owing more in finance fees than
principal.
Understanding APR
APR is the yearly rate of the loan, even
though cash advances
are intended to be short term loans. It is figured the same way
as credit cards, multiplying the rate over the year and
including any fees. While the APR does not equal your real cost,
it is a nice comparison tool.
An APR compares the same number, regardless of lender. If you go
online, most cash advance companies will list the APR on their
website. You can also request the number from them before you
apply.
Comparing Costs
When you are trying to decided whether to get a cash advance or
not, you should compare the other costs associated with your
decision. For example, will you pay more in late fees or
interest charges by missing a payment? Will NSF fees amount to
more than a payday loan fee? What will it cost you if the car
doesn't get fixed?
If the finance fee is smaller than other costs, then you are
saving yourself money in the long run.
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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