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Loans
Reliable Personal Loan information and links to personal loan sites.
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US $46.95
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US $9.99
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Can I wrap up my car loans into my house loan?
Im guessing I would have to refinance my house but I dont have the cash for closing costs. Plus my house has no equity. Is there still a way to do this?
Are balloon car loans illegal?
I know they weren't illegal in '06 because I got one then. But are balloon auto loans illegal now? Particularly in the state of Pennsylvania. Thanks
Student loans and car loans?
ok so im a freshman in college and iv never gotten loans of any sort my entire life. I dont know a whole lot about them other then you make monthly payments on car loans and for student loans you dont pay anything till you graduate. I wanna know what companys are the best to get loans through. And is it a good idea to go through your bank? be specific on which type of loan your talking about please.. thanks guys
Question about car loans?
I want to take out a loan for a used car, but I will be moving out of state. I would rather fly and then buy a car when I get to my new city, but at the same time I will be in trouble if I can't get a loan due to my credit score 690 . I was wondering if it is possible to get a car loan before you have a car picked out? Maybe get just a set amount and buy a car with that money? That way I can be sure that I have the money.Is this a typical process? I've never actually done a car loan before.Do I have to have a car already picked out before I can get a loan or can I get a loan without a car in sight?
Why Can't I Get a Car Loan?
First to whomever reads this it is a bit lengthy but i'm extremely baffled.I am a 25 year old part time college student living at home and i'm currently employed as a server. 8 % of my sales are automatically declared on my checks as part of a deal with the IRS 8 % sales or credit card tips whichever is higher . I have a 748 credit score with no debt and no bills loans on my credit report. I have almost 3 years of credit history with 3 active credit cards totaling $7,100. I have never made a late payment, i'm always early actually. Also I am a first time car buyer.My current check stubs show $1,471.16 month. I also have my W2's from the last two years which show just under $1800 month on the eldest and $1970 month last years. I have all my paychecks from the past 3 years and after comparison they are all pretty much the same meaning the paychecks are nearly identical based on the previous pay dates My first check in July was like a clone of last years July check etc .I have now tried five times to get an auto loan with zero luck. I do not have a co signer by the way. The denial I just received this morning has me completely baffled. It is my actual bank and I requested a loan for $24,000 previously for a Toyota Tacoma. Note My credit score was only 739 that time and I didn't offer to put anything down. I was approved for $10,000 without a co signer and $17,000 with one. Knowing that getting anything in the over $20,000 range won't happen until I get a different job, I opted for a Kia Soul. I found a brand new one for $14,000 that already had tags. This time my credit score was 748, same deal no debt or dings, I offered to put $1,200 down, and I was approved for $12,000 with a " really good co signer" .I am so lost it's crazy, my head just hurts trying to figure this out. Am I supposed to buy a cheap, busted up vehicle and make a terrible investment in order to get a loan for a good investment? By the time I pay for the inevitable repairs on a vehicle with 60k miles the amount invested would probably equal what I was asking for in the first place. I feel like i'm being punished for doing what is asked of by the credit industry. Annoying note My boss shows $2,200 month and just bought a Truck for $17,000, but the kicker is the place couldn't find his credit. It wouldn't appear in their system but they just gave it to him anyways.So there is my wall of text, can anyone offer me any advice or anything, seriously anything at all?I have 98 % of my total credit free. I only use one of the 3 cards and it is for daily expenses only.MadMan I am a waiter, what shows up on my checks is not what I make. My checks show $1400 when in reality I make $2000 $2500 month $1800 is a very bad month . So asking for a loan that would require a payment $234 month is not over doing it.Reena I stated multiple times that I pay off everything monthly. Out of a potential $7100 debt I carry only 2 % 4 % depending on the time of the month.Thank you for the responses so far.
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