Personal Finance Tips : How to Get a Personal Loan With No Credit History
Our registered financial consultant will talk about loans. Tips will be provided to you on how you can have a loan with no credit history.
By having this video, you will be presented with solutions on what you can do to get that personal loan. Perspective coming from our expert will be your guide with steps you need to take so you can make your own savings into a loan.
You will definitely enjoy what this guy can provide you especially ideas on how to improve your personal finance using proper and well experienced way. After watching this video you will be educated on the techniques you can use regarding loans.
So I hope you can learn more and have fun with this video on personal finance tips: how to get a personal loan with no credit history.
Personal Loans
Are you running low on cash but eyeing on a big ticket item? Does your available money hold you back from your much needed vacation? Fret not, you can apply for a personal loan for whatever reason.
Application doesn’t require too much mumbo-jumbo. If you have followed the proper steps in applying and gave all the documents required, then you’re good to go. You wouldn’t have to wait for ages and stress yourself wondering if you’ll get approved since you can get your money in as little as two hours after approval.
Applying for such can be done through phone, email, or fax. You no longer need to go to the lender and wait in queue for an interview. One simple and important requirement though is that you have to be a salary-depositing borrower who will be credible in paying back the loan in six months maximum. The monthly installments that you will be paying depend on the total amount borrowed and the length of payment period.
Quick and hassle-free loans are usually given to salary-depositing clients. Even those with bad credit can be given loans that they can use for their needs and even wants.
Look for the perfect lender and you may even avail of payday loans, installment loans, unsecured loans, short term installment loans and yes, even installment loans with no credit check.
Just be sure to live within your means and see to it that you can pay in proper amounts and on time so you wouldn’t be putting yourself in hot water in the long run.
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Categories: Loan Articles Tags: Installment Loans, loans, Personal, quick loan
The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs
The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs
- ISBN13: 9780307453662
- Condition: New
- Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!
This is a book for people like us, and we all know who we are.
We make our own hours, keep our own profits, chart our own way. We have things like gigs, contracts, clients, and assignments. All of us are working toward our dreams: doing our own work, on our own time, on our own terms. We have no real boss, no corporate nameplate, no cubicle of our very own. Unfortunately, we also have no 401(k)s and no one matching them, no benefits package, and no one collecting our taxes until April 15th.
It’s time to take stock of where you are and where you want to be. Ask yourself: Who is planning for your retirement? Who covers your expenses when clients flake out and checks are late? Who is setting money aside for your taxes? Who is responsible for your health insurance?
Take a good look in the mirror: You are.
The Money Book for Freelancers, Part-Timers, and the Self-Employed describes a completely new, comprehensive system for earning, spending, saving, and surviving as an independent worker. From interviews with financial experts to anecdotes from real-life freelancers, plus handy charts and graphs to help you visualize key concepts, you’ll learn about topics including:
• Managing Cash Flow When the Cash Isn’t Flowing Your Way
• Getting Real About What You’re Really Earning
• Tools for Getting Out of Debt and Into Financial Security
• Saving Consistently When You Earn Irregularly
• What To Do When a Client’s Check Doesn’t Come In
• Health Savings Accounts and How To Use Them
• Planning for Retirement, Taxes and Dreams—All On Your Own
List Price: $ 15.00
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Categories: Loan Products Tags: Book, Finance, Freelancers, Jobs, money, NotSoRegular, only, PartTimers, People, Personal, SelfEmployed, System
How does the personal loan from banks such as Bank of America or Citibank work?
Question by BeBeAdY: How does the personal loan from banks such as Bank of America or Citibank work?
I just received an offer to apply for a personal loan for up to 35,000 with Bank of America and for up to 5,000 with citibank. I actually need no more than 7,500. The interest rate is between 9,97 and 27,88 based on credit worthiness. I will like to know how it works. I’m hesitating between that and applying for a credit card. My credit score is fair (650). A friend advised me to go for the loan because it’s a guaranteed fixed interest. But since I’ve never done it before I will appreciate some more advice. Thanks so much.
Best answer:
Answer by Mrs Apple
Loans and credit card are quite similar. It really depends on your credit history and your employment status. No company will give you money if you don’t have a job. Loans and credit card interest can be fixed or variable. This is something that you need to talk to the bank about. Don’t apply for a credit card if the interest is not fixed. The only difference is that a loan will require you to pay off at a certain amount of time. This is how the bank calculates your monthly payments. As for credit cards, you can pay off anytime you want but you’ll need to make minimum payments. Since you are only making minimum payments, you can end up never paying off this debt. However, you can negotiate on the interest rate in the future if your credit history improves.
Add your own answer in the comments!
Saving Face: An Alternative and Personal Account of the Savings & Loan Crisis
Saving Face: An Alternative and Personal Account of the Savings & Loan Crisis
Credit markets frozen. New housing frozen. Record foreclosures. Circular arguments about government responsibility and government fixes. Class action suits by investors. Criminal investigations. If this sounds familiar in 2008, it’s because we lived it before. SAVING FACE is author Bill King s retelling of the savings and loan collapse and its aftermath. Enlivened by his often harrowing experiences as a major player in that industry, SAVING FACE narrates the ways in which the S&L crisis affected the everyday lives of real people at every level of the economy. King shows that eerily similar forces are at play today. King documents the origins of the collapse in Depression era policies that went awry in the 1970s. He then shows how the government, instead of proactively addressing the problem, ignored and denied the very existence of a problem. Ultimately, when the crisis could no longer be swept under the rug, Congress and government regulators blamed the fiasco on S&L crooks. But in 1993 an independent Federal Commission debunked the S&L crook explanation, declaring: It is important to realize that fraud was not the cause of the S&L debacle. Through hundreds of interviews and meticulous research, King traces the true dynamics of the collapse, drawing comparisons to intervening crises — even scandals — in government contracting and securities regulations, all the way to the sub-prime meltdown of 2007 – 2008 and the hat-in-hand reality of major financial institutions going begging for survival funds overseas. SAVING FACE shows in vivid detail how we repeat a cycle of almost willful ignorance, and resulting pain from Wall to Main — for reasons that need not be. In his final section, Lessons Learned, King shows us the beginning of an end to economic insanity, making SAVING FACE a cautionary must-read for every concerned American.
List Price: $ 30.00
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Categories: Loan Products Tags: account, Alternative, Crisis, Face, loan, Personal, Saving, Savings
Credit Cards & Personal Loans : How Does a Secured Credit Card Build Credit?
Do you want to learn something new regarding your credit card? Do you know how your credit card which is secured can build its own credit?
All credit card holder that can provide cash collateral to the bank can make your secured credit card build credit. A secured credit card will turn into an unsecured credit card after a period of time. The video will show you all the things you have to understand regarding this process.
Also, you will be provided how credit reporting agencies see secured credit cards as a way towards making a better credit from a financial adviser in this detailed video.
So enjoy and learn more on Credit Cards & Personal Loans: How does a secured credit card build credit.
If I consolidate my student loan with a personal loan can I still write off the interest?
Question by MLE: If I consolidate my student loan with a personal loan can I still write off the interest?
I had a federal student loan which I consolidated about 8 years ago to someone who eventually sold that loan to Citibank. I pay about 8.35% in interest. I am considering paying off that student loan with a personal loan where I can get a better interest rate. If I do this will I still be able to write off the interest I pay on my taxes?
Best answer:
Answer by bostonianinmo
Nope. It will no longer be a student loan then. You may be able to consolidate several student loans into another student loan at a better rate, but if you pay it off with a personal loan you’ll be left with a non-deductible personal loan.
Know better? Leave your own answer in the comments!
Categories: Loan Questions Tags: consolidate, interest, loan, Personal, still, Student, Write
Everything Guide to Mortgages Book
Everything Guide to Mortgages Book: Find the perfect loan to finance the home of your dreams (Everything (Business & Personal Finance))
Finding the right home can be easy. Finding the right mortgage-one you can afford-can be a challenge. You need to arm yourself with the latest information so you can make the right decision for you and your family, especially in the current housing market. In plain English, finance expert Lisa Horton shines a light on the confusing world of points, interest rates, and credit scores. Whether you’re buying your first home, trading up to a larger one, or buying a rental property, you’ll find all you need inside.
Learn how to:
- Save for a down payment and prepare to borrow
- Understand credit reports and credit scores
- Deal with banks, mortgage brokers, and online lenders
- Refinance a mortgage
The Everything Mortgage Bookteaches you how lenders work, how different kinds of loans are structured, and what they’re best for. You’ll also learn which mortgage practices and loans you should avoid. Whether you have a great credit history or a poor one, you’ll be able to get the best loan for your most important purchase-your home.
Lisa Holton is the author of How to be a Value Investor, The Essential Dictionary of Real Estate, and the Encyclopedia of Financial Planning. She is a contributing writer for the Financial Planning Association on consumer finance and retirement planning issues. Ms. Holton heads the Lisa Company, a writing, editing, and research firm. She lives in Evanston, IL.
List Price: $ 14.95
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★ Regina’s Personal Loan Story: “Life Can Take You By Surprise”
The Foundation for Safe and Responsible Lending Consumer installment loans, long considered the foundation for safe and responsible lending, are in vogue again. This proven money management practice for personal debt is based on sound financial principles and good insight into human nature. Personal installment loans are a transparent, affordable and disciplined form of credit which helps consumers meet important economic needs. In critical circumstances, these loans also help smooth out income fluctuations and disruptions from unexpected events like car repairs or medical expenses. An installment loan provides a properly structured and timely repayment schedule based on an individual’s actual ability to pay. It also inherently creates the satisfaction associated with achieving important financial goals through the practice of personal responsibility. Protecting Consumer Access to Responsible Credit Consumers Making Good Decisions for the Right Reasons The Same As It Was Over 100 Years Ago With traditional installment loans, the process today is the same as it was over 100 years ago. The industry provides high quality loans in a strongly regulated marketplace with all appropriate consumer protections—without having to rely on taxpayer subsidies. Clearly, it is imperative to keep a healthy, diversified private enterprise consumer loan industry available in this country.
Bad Credit Personal Loans- Helpful Hint Regarding Online Personal Bank Loans
People can obtain instant private loans for practically any purpose-be it an emergency, or to avoid late or delinquent payments, or just for routine purchases. Whatever the reason applying for an instant private loan is easy, quick, and free. People, particularly those who are employed or have sources of earnings, just has to fill out an application form available online. Would-be borrowers are advised to make sure that the information they provide is correct to avoid delays due to inaccuracies.
Are you searching for information related to loans personal or other information somehow related to payday loans, or personal unsecured bad credit loan? If yes, this article will give you helpful insights related to loans personal and even somehow related to ohio unsecured personal loans for people with bad credit and home improvement loans that you might not have been aware of.
If you’re a home owner there is always a possibility of re-mortgaging your house. However, if you have had difficulty in keeping up with the mortgage payments, this may also not be the answer, unless of course you can arrange for longer repayment terms.
The costs are excessively expensive and could be as high because the equivalent of 30 percent of the loan. The combination of a short term payment schedule and high costs that should be fully liquidated on the following payday would be daunting even to the bravest soul. Looking at personal loans from that viewpoint, the borrower should pause and think, not once but twice, before taking the plunge.
You have to be prepared to explain the negative marks on your subsidy report, but, once again, lenders always consider your repayment ability first. In addition, you must anticipate longer application processing times compared to prime loan applications, as lenders will should verify your financial stability.
As most likely, pay your loan in short term to avoid paying huge amount of high interest rate. If not, try to rebuilding your subsidy first therefore that you’ll get the regular loan with lower interest rate. Don’t forget, loans are there to help the people in want but this kind of aid need pay back since its business.
It was intriguing to find that many people, oblivious of their background, found this article related to loans personal and other poor credit personal loan, no fax payday loan, instant loans, and even tx unsecured personal loan for people with bad credit helpful and information rich.
A poor credit situation can cause endless hours of worry and a great deal of distress, but the circumstances is never irreversible. By talking to the right people and being honest private loans poor allowance need not be an issue for you or your family any longer.
Written by sudarsan chhetri