Loans Archives - One Cent At A Time

Best Places for Your Loan Need

September 9, 2017 2 Comments

Most people know that it’s always better to rely on their own finance but today it’s quite hard to avoid using different loan services. There are different kinds of loans and consumers use them for different purposes. For example, getting a fast loan is a way to deal with a financial emergency.

Taking Out Loan

Not so many people can afford to buy a house with cash, so they get mortgages. Personal loans help dealing with both expected and unexpected expenses. Today’s lending market offers numerous opportunities for borrowing money, so let’s check the most popular lending options and figure out when it’s better to use them.

I am a Discharged Bankrupt; Can I get a Car Loan?

February 19, 2017 9 Comments

This post talks about ways to get approved for a car loan after you are over from your recent bankruptcy. Enjoy the post from Bill Tsouvalas!

Acquiring car loans after bankruptcy is frequently considered impossible. However, that assumption is wrong. You can still obtain a car loan if you filed for bankruptcy and subsequently been cleared of your debts.

Sub-Prime Car Loans, How to Buy a New Car With Bad Credit

June 5, 2015 3 Comments

I don’t advocate for buying a new car, even for people who has a good credit. In terms of value for money, a 1-year-old car is always better than a brand new car from the showroom. The moment you drive it out of the dealership, car value goes down by a couple of thousand bucks. But there are people who want to buy a brand new car.

How to buy a new car with Bad Credit

In this post, I’ll assume the reader had a temporary hardship, due to which regular payments on credit cards and other loans suffered. Resulting in bad credit. Sometimes long term illness or a divorce can put one into bad credit. But, now the reader recovered and have cash to pay off debts, and, is confident on future cash flow to afford auto loan repayment.

Millions of American Homeowners Could Refinance and Save with HARP

June 26, 2013 4 Comments

This is a Sponsored post written by me on behalf of Quicken Loans for SocialSpark. All opinions are 100% mine.

by Clayton Closson

You read that title correctly.

An estimated 2.7 million American households could refinance to today’s mortgage rates (which are near historic lows, in case you haven’t been paying attention) through the gov’s HARP program. And they can do it even if they owe more money than their home is worth. Up to 200%. But they aren’t. And we don’t know why.

Things to Consider When Taking out a Short Term Loan

November 4, 2012 Leave a Comment

There are many considerations to make when you’re planning on taking out a loan of any type and short term loans are no different – sometimes you don’t have much thinking time when it gets to being an emergency.

Even though the amount you borrow is normally quite small, and the time period of the loan is often only a month, it is still a loan and you will still have to pay it back when the time comes. Quick loans are legal documents between you and your lender and you need to think a lot about your circumstances before taking one out.

FAFSA Scam And How To Be Prepared

September 26, 2012 3 Comments

The premise of FASFA, as the first abbreviation denotes, is to extend free financial help to needy learners. FAFSA is not totally scam proof.

Before we start with anything else, Here’s a good article by department of education on college scholarship fraud issue. If you are applying for college or know someone who is doing, this article can be an useful resource for you.

Reader question – Personal Loan or Home Equity Loan for Emergency Medical Expenses?

June 22, 2012 6 Comments

It’s not always possible to reply to readers’ questions individually, I apologize to them whom I could not respond to. This post revolves around a reader question – Pravin asked, whether he should go for a personal loan or home equity loan, to fund medical expenses for his visiting mother. His mother is not adequately insured through traveler’s insurance she got from her home country.

For immigrants, it’s common practice, parents come from their country on a temporary health insurance. Often these insurance have fine prints and exclusion clauses that no one cares to read. Pravin is unfortunate to face this situation, as 99% of the time, medical attention is not required during parents’ stay in United States, which only lasts a couple of months or so due to visa restrictions. (SEE ALSO – Best personal loan option)

Do you need Home Equity Loans?

June 9, 2012 2 Comments

Home equity loans are kind of second mortgage loan. Money is borrowed in case of a home equity loan against the worth of the borrower’s house. There are obvious risks associated with such a credit product. When undertaken wisely, home equity loans can be quite useful and they can help you at times of financial needs.

They have become, in the present context, an acceptable option to get that extra money for your immediate and important need to be met.

Benefits and Drawbacks of Auto Title Loans

May 19, 2012 1 Comment

You must have heard of car title loans as a way to get yourself out of a cash crunch. However, before you consider going for an auto title loan, you should know exactly how they work and consider the benefits and drawbacks of car title loans. Considering these pros and cons will help you decide if getting a car title loan is really the best option for you or not. Let’s have a look at the benefits of car title loans first.

Less Risk – The biggest benefit of a auto title loan is that it is less of a risk as compared to other loans, such as a home loan. At the same time, a car title loan provides you similar value to any other loan, and there is added security knowing that your secured loan is not based on your home. This reduced level of stress during tough financial times makes a car title loan a better option in case of emergencies, which is when you would be in need of a loan the most.

(Related – Save money on car rental)

Best Places for Your Loan Need

I am a Discharged Bankrupt; Can I get a Car Loan?

Sub-Prime Car Loans, How to Buy a New Car With Bad Credit

Millions of American Homeowners Could Refinance and Save with HARP

This is a Sponsored post written by me on behalf of Quicken Loans for SocialSpark. All opinions are 100% mine.

Things to Consider When Taking out a Short Term Loan

FAFSA Scam And How To Be Prepared

Reader question – Personal Loan or Home Equity Loan for Emergency Medical Expenses?

Do you need Home Equity Loans?

Benefits and Drawbacks of Auto Title Loans

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