I am trying to refinance my car who will finance at a good rate w/ a credit score of 570?
I have a auto loan with HSBC Auto Finance and would like to refinance it. Are there any lenders who will finance at a good rate for a credit score of about 575. My current rate is at 16%
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February 23, 2010
Tags: auto finance, auto loan, credit score, current rate, lenders Posted in: Auto Refinance 
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Are there any payday loans you can get if you only have a netspend account with direct deposit?
I live in Wisconsin-the account is considered checking and has a routing number, but most lenders wont accept it-they say it is ‘blacklisted’. What does this mean?
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February 7, 2010
Tags: lenders, routing number Posted in: Payday Loans 4 Comments
Bad Credit Auto Refinance?
Hi, I bought a car about a year ago and I make my payments on time every single month. However, the interest rate is 16% and I am struggling to make this payment. My credit is very poor do to a lot of small stupid things like a cell-phone bill a friend ran up that I stupidly let on my plan, old utility bills I paid, but late, ect. I desperately need to lower the interest rate, but can’t find anyone to approve me at a lower rate. Does anyone know of any lenders who might be able to help in Virginia. I have already tried Wells Fargo and Capital One and both turned me down. Thanks!
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January 28, 2010
Tags: capital one, cell phone bill, interest rate, lenders, stupid things, utility bills, wells fargo Posted in: Auto Refinance 3 Comments
I have bad credit and need a Loan for 5000 but I don’t want payday loans?
I’ve been trying to find a legit website of any lender that can provide a non-secure loan for ,000, does anyone know of such lenders that can Truly help out and not rip you off like the payday loan sharks?
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January 13, 2010
Tags: lenders, loan sharks, payday loan Posted in: Payday Loans 4 Comments
How do I pay off these payday loans while still leaving me enough money to pay for all of my other expenses?
I got sick and called off work for about a week and turned to payday loans to cover what days I have missed. I received 0 from three lenders, this means with finance charges, I owe about 00 back to these lenders. I cant afford to pay them back. I knew getting payday advances was not a good idea but I needed the cash at the time. My credit is not in the best standing, is there any way to consolidate this debt to make it more reasonable than to pay the interest rates they provide?
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November 15, 2009
Tags: finance charges, interest rates, lenders, payday advances, payday loans Posted in: Payday Loans 10 Comments
Auto Refinance/Refinancing older car but good credit?
I’ve seen a few questions on this subject, but not exactly my situation.Bought a used vehicle using Roadloans. (2003) I’m almost a year into the loan and it’s in perfect standing. My credit score was good then, it’s better now. (750)
I’m paying around 10%. Seems pretty bad. What I’d like to do is refinance with a company to get me down a few points, but it seems like I’ve read that some will only refi newer cars. That seems odd, as most smart lenders should want to take over a loan in good standing. So, I’m wondering if anyone has done this with a car a few years old? I’d like to keep it a "secured" loan, meaning that I’d prefer not to just take out a personal loan at a lower rate. I’ve found that keeping a mix of debt types keeps your credit score better. (A car loan being a secured loan, in theory as opposed to revolving or installment.) Thanks!
Would love advice from those who may have done this and any specific companies, or just anyone who is versed. I’m in LA, CA.
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November 5, 2009
Tags: car loan, credit score, lenders, newer cars, personal loan, quot, secured loan, specific companies Posted in: Auto Refinance One Comment
Mortgage Approved, How long it takes to show in the credit reports?
If I get approve today for a mortgage loan, how long does it take to show up in a credit report?
Or If get approve for an Auto loan, how long does it take to post in the credit report.
The credit report that the lenders can see.
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November 2, 2009
Tags: auto loan, credit report, lenders, mortgage loan Posted in: Credit Reports 3 Comments
Is there any lender willing to give a bad credit loan?
I had bad credit and have been turned down for loans from banks as well as other online lenders. I have a stable job and I am able to pay back the loan each month. I need at least 00 and I am curious if anyone has any legitimate answers and/or soultions to this question. I have spent months trying to figure this out and cannot get any assistance.
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October 25, 2009
Tags: bad credit, banks, legitimate answers, lenders, loans, stable job Posted in: Bad Credit Loans 3 Comments
How to get auto refinancing with not so good credit and while collecting unemployment?
My friend needs to reduce their monthly out go, one of the loans on the plate is the auto loan, unfortunately some of the challenges my friend is facing are;
* recently lost their job –BUT is collecting unemployment from the state of California so essentially has income coming in each month
* currently going through a divorce –unfortunately my friends spouse has damaged EACH of their credit ratings.
so is there any way to refinance? are there lenders out there? CapitalOne Auto Finance is not an option, they do not so auto refi’s and that is whom my friends current loan is through. Should my friend try and trade the car in for a used vehicle?
Your help is appreciated…thanks so much!
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October 19, 2009
Tags: auto finance, auto loan, auto refi, challenges, collecting unemployment, divorce, job, lenders, loans, state of california Posted in: Auto Refinance 4 Comments
Debt Consolidation?
I recently purchased a home (3 months ago) and financed 100% of the home. At this point I do not have an equity in the home. I am currently looking for a way to consolidate some of my debt to lower my rate, lower my payment, and ultimately pay off the debt sooner. I have 1 car loan, 1 personal loan, and 5 credit/store cards that I would like to consolidate totaling about ,600. My FICO score is currently 686, and I am on time every month with all of my bills. I have paid all bills on time (most of the time more than the minimum) for more than 3 years straight. My problem is that my Debt to Income ratio is probably too high for most lenders to consider me for a consolidation loan. What can I do to consolidate ALL of my debt? Any feedback would be appreciated.
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October 16, 2009
Tags: 3 years, car loan, consolidation loan, debt to income ratio, fico score, lenders, personal loan, store cards Posted in: Debt Consolidation 6 Comments