Why don’t Usury Laws cover Cash Advance Loans? The simple answer is that cash-advance loans and all other types of loans have to be subjected to the state’s laws in which they are offered. However, predatory lenders may employ tactics to avoid complying with the rules and regulations and limit the interest rate. The first thing …
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Loans with No Credit Check – Instant Approval Are you thinking about zero credit checking personal loans but are you restricted in your choices? We know how difficult it is to find affordable personal loans that don’t require the submission of a credit check, particularly for people who have bad credit. IPASS can help you …
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Debt Consolidation Consolidation of debt is the process of taking several high-interest unsecured debts and combining these into one. The benefit of the consolidation loan is the lower rate of interest and the ease of making one payment instead of many. The duration of the bigger loan is typically longer, which can lower the monthly payments. …
Why Is My Credit Score Drop? There are many reasons why your credit score might be declining, including an accidental default or non-payment or the request for an extension of credit or modifications to how much you can spend on your credit limit or the amount you use. The factors that impact your credit scores …
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What is a ‘hard inquiry,’ and what does it mean for my credit score? You could see the word “hard inquiry” on your next credit report if you just applied for a new credit card or loan. How does it affect your credit score? You could have checked the details of your credit report and …
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How does fixed-rate borrowing work? Fixed interest rates aren’t subject to change, which makes payments regular. There are a variety of financial products available that provide a fixed rate of interest. If it’s a loan like a mortgage, personal loan, or credit card, A fixed interest rate means that the interest rate charged to the loan …
What Is An Installment Loan, And How Does It Work? Installment loans are the type of loan that requires the borrower to repay the loan through regular monthly payments. ‘They are available in a variety of installment loans. In general, any loan that needs regular monthly installments is considered one of the installment loans. Here …
Cash Advances with Credit Cards can be Costly. Consider these Alternatives Suppose you require $1,000 to pay rent or repay an outstanding loan but not have the money. What should you do? You could consider a credit cash advance. It’s quick money, yes. However, it’s going to cost you. The typical cash advance charge is about 5percent, according to CreditCards.com. In …
The Mortgage Origination Fees: What To Spot and Avoid them The fees for origination range from 0.5 1 to 1.5 percent of the loan amount but differ from lender to lender. The lender imposes origination fees to process and originates mortgage loans. The amount of these charges varies according to the lender, but you’ll be charged …
What you should know about Consolidation of Payment Loans How Do I Consolidate My Payday Loans? Each year, approximately 12 million Americans can avail themselves of payday loans. Many people don’t realize that payday loans are one of the most costly ways to borrow cash. It’s not uncommon to find the annual percentage rates (APR) …
