We are an immediate loan specialist in Woodbury, and we are quicker and more advantageous than run of the mill retail facade banks since we're based on the web and are open constantly. No compelling reason to sit tight for "ordinary business hours" or invest energy flying out to the store — our short application can be finished in not more than minutes. You can even apply from a cell phone while you're in a hurry!
We can loan up to $500 to Woodbury occupants, in view of qualifying elements. On the off chance that endorsed, your credit will be expected on your next payday that falls in the vicinity of 10 and 31 days after you get your advance. Nitty gritty data with respect to expenses and reimbursement is accessible on our Rates and Terms page. As you consider whether an advance is proper for your prompt needs, you ought to likewise investigate other subsidizing alternatives. A payday credit is a genuine budgetary duty, and not an answer for long haul issues. Getting from a companion of relative may be a superior alternative.
I will probably need to replace my car soon, but I don't know that I want a traditional car loan because it would require having more insurance, and thus be rather expensive for me. (It'd be about double for me, as I don't have a spotless driving record). I was wondering if instead I could get a personal loan from the bank, say in the neighborhood of $3-5K and use that for a car thus saving me a bunch of money by not needing collision coverage if I could pay for the car in cash. Now the questions ... is this possible, or is there usually some stipulation that you can't use a personal loan for a car? What sort of collateral do you usually need for a personal loan? If you have good credit, can you get one w/out collateral? Any info would be greatly appreciated! Thanks!
I don't know what state you live in, but in Florida you are required to have collision insurance for at least $10,000, even if you own your car. As to personal loans, yes, if you have good credit, you can usually get one with no collateral. Just explain to the bank that you want the money to purchase a new car, and arrange a repayment schedule based on your current income. Most banks will do that.
For Credit and finance solutions I always visit this site where you can find all the solutions. :How can you go about getting a personal loan from a bank? What collateral do you usually need? I will probably need to replace my car soon, but I don't know that I want a traditional car loan because it would require having more insurance, and thus be rather expensive for me. (It'd be about double for me, as I don't have a spotless driving record). I was wondering if instead I could get a personal loan from the bank, say in the neighborhood of $3-5K and use that for a car thus saving me a bunch of money by not needing collision coverage if I could pay for the car in cash. Now the questions ... is this possible, or is there usually some stipulation that you can't use a personal loan for a car? What sort of collateral do you usually need for a personal loan? If you have good credit, can you get one w/out collateral? Any info would be greatly appreciated! Thanks! 2 following
A personal loan is an un-secured/non-collateralized loan. Your approval is based soley on your credit history and abilty to repay, i.e. steady source of income (which they will want to verify). In my state, with the Bank I work for, you apply, get approved and, as soon as the docs are generated (usually only a day or so), you sign and receive a check same day. As far as your stipulation question, this is a personal loan and, as long as you're approved, the Bank generally does not want or need to know the purpose.
I would stay away from any kind of vehicle and personal loans. Auto loans are usually for 5-7 years and personal loans are shorter. But with personal loans you will pay a higher interest rate. Start saving what you think would be a car payment now, collect interest on your savings and then buy a car with straight cash. A 20, 000 loan for auto should cost about 24, 000 after intesrt at 6%. So you really paid 24, 000 for your car. Try selling things you don't use to get your car fund going, add what your blue book value for your current car and see how much more you need to save. Put aside a $1000 for a deductable and save even more on car insure with full coverage. I insured two vehicles w/ full coverage in connecticut for $700 because I set aside the deductable in savings. I would stay away from using collateral because if a bank won't loan you they money you shouldn't be borrowing it to begin with. Visit a personal finance plan site like dave ramsey.com and don't go into debt in the first place so you have money to save for what you want. Yes if you have good credit you won't need collateral. But writting a budget and saving for what you want will get much further then taking out loans will. Always conduct yourself with integrity and money will find it's way to you. All hard work brings a profit, but mere talk leads only to poverty. Proverbs 14:23, New International Version
Apply for a personal loan at your bank. For the amount you are considering, you could get the loan with no collateral, as long as you have the ability to pay the loan payments. I have a $20,000 line of credit at my bank. All I had to do was ask for it.
Some banks do give small loans of about $2000-$3000 and it helps if you have an account (s) with the bank. If your credit is good, the bank will consider giving you more money and for sure if you own your home and don't owe major amounts of money to others, you'll probably get the money.
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