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  • October, 2013 | Signature Personal Loan
    vehicle to meet medical expenses and so on Mostly the students and the tenants opt for unsecured loans as they are unable to present collateral for the loan With high interest rates and other charges the loans become very costly and the borrower should go through the terms and conditions of the loan offer before signing the agreement When the borrowers are very much in need of funds they tend to overlook the cost of the loan With good credit record it is easier to get unsecured loans and you can have better terms for the loan Generally the requirements for getting approved for unsecured loans are very minimal You need to be of 18 years of age and should be the resident to get the loan The lenders should be convinced about your ability and responsibility to repay the loan as specified Though the lenders charge high interest rates for the loans the rate charged is at the discretion of the lenders If you can convince the lenders about your reliability you have the chances of reducing the interest for the loan The lenders do not consider your credit history Even those with bad credit record are eligible for unsecured loans You need to produce your employment proof and income proof to get the loans If you are about to apply for unsecured loans you need to be prepared with the necessary documents so that the process does not take long You will be required to present documents related to your tax return and salary details The bank statements will indicate your responsibility in repaying the loan Your documents on your credit report will help in getting the loans for lower interest rates compared to the loans offered for bad credit borrowers If you are a salaried person you

    Original URL path: http://www.signaturepersonalloan.com/2013/10/ (2016-04-25)
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  • December, 2012 | Signature Personal Loan
    down payment The biggest problem associated with the home loan is that it requires down payment The down payment is a lot of amount which is quite unaffordable You may lose all the savings in this purpose Also you may not have this much savings in your account The FHA payday loans no credit check are favorable for this thing in fact You will not have to pay a lot of down payment money with this financial aid The down payment amount is lower than that of other home loans cost Generally the home loans are costly in nature The debt repayment is not so easy The FHA makes it easy for the borrowers The borrowers get an affordable repayment structure each month Though the repayment structure is long term the monthly installment is too much affordable for a person of moderate income guarantee In home loans the lenders generally trust the borrowers by keeping the home as collateral So a borrower takes a huge risk with the asset and then goes for the financial aid But in matters of FHA financing the FHA guarantees the lenders about the repayment of the debt on behalf of the borrower So there leaves no pint of taking risk with the asset Filed under Uncategorized Tagged with Matters to be taken under consideration with secured loan Posted by on December 6 2012 Leave a Comment Credits are treated as the basic element of getting financed from a formal source like banks Still there are opportunities of bad credit loans for the people who lack it The secured personal loans are treated as one of the most famous bad credit financial aid In this point of view every borrower must treat it as a better financial solution This is easy to get and most importantly a borrower does not need to go through a credit checking procedure In spite of having all these positive attributes there remain some important matters to be taken under consideration Those important matters are too much important to be taken care of Otherwise as a borrower you may face a lot of trouble and you definitely don t want to face those trouble So you must get a look onto these matters which you need to take under consideration before you are getting a secured payday loans no credit check Collateral procedure The first problem lies in the procedure of collateral As you all know that the secured loans are lent with collateral The collateral is the same valued asset to ensure the loan with bad credit lenders that they would get the repayment If a borrower becomes a defaulter in repaying the debts he she would face a great trouble then The lenders would snatch away the asset which have been kept as collateral Now you must be thinking that the lender would be always in a chance to snatch away the assets But to be true this is not The total money lending procedure is done through

    Original URL path: http://www.signaturepersonalloan.com/2012/12/ (2016-04-25)
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  • August, 2012 | Signature Personal Loan
    them The Federal Trade Commission FTC has laid down a variety of laws to protect consumer interest they have filed law enforcement actions against payday loans who use scrupulous means to take advantage of the borrower and engage in exaggerated advertising and billing practices that are contrary to the Section 5 of the FTC Act against the disclosure conditions mentioned in the Truth in Lending Act and against fair credit practices In 2011 44 020 consumers filed complaints with the Federal Trade Commission regarding cash advances Consumers have complained that these lenders ask for a fee in advance in the promise of giving a loan or credit card regardless of the credit history of the applicant When FTC went through these loans they came to the conclusion that the business was done through unethical means The Federal Trade Commission says that when payday loans or cash advances are offered only on the condition of an advance fee people should stay away from such kind of lending practices David Torok of the director of the Planning and Information wing of the FTC says These people often take the money and disappear Of course the loan is never given The Federal Trade Commission says that though it is true that credit history is not required for payday loans but if the lender asks for personal information like social security number or bank account information it is a warning that there is identity theft lurking nearby Also one should check for fees that are not clearly explained and a loan offer made by phone that asks you to pay in advance The FTC website also says that before applying for the loan the borrower should check to see if a lender is registered in the state by contacting the state attorney general office

    Original URL path: http://www.signaturepersonalloan.com/2012/08/ (2016-04-25)
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  • June, 2012 | Signature Personal Loan
    are applying for a personal loan you can approach the bank that you already have an account with The bank may inquire what you are using the loan for and may have better customized loans for your requirement Given the market conditions and bad credit situation these days banks are more wary about giving personal loans and have made a good credit score as important factor before giving personal loans But every bank does have its procedure in place while giving out loans While some giving priority to the credit score others verify the stability of a person in the job the income etc One of the best ways to get to get personal loans approved quickly is by securing some physical asset or property as collateral This way the lender gets security that he is able to get back the money in time This is known as a secured personal loan which has a higher chance of approval Credit unions are also known to offer good deals in personal loans with better rates and lower fees than banks If the loan amount is small the personal loan from credit union can be quite helpful To be at a better position while applying for a personal loan and getting a fair offer find out your credit score You can it for 16 from FICO or one of the three major credit bureaus You can also get a free copy of your credit report once a year or at annualcreditreport com Find out if there is any discrepancy in your report and if it is there bring it to the attention of the credit bureau An error in the credit report can get your loan application rejected for no fault of yours To get a fair loan offer shop around You

    Original URL path: http://www.signaturepersonalloan.com/2012/06/ (2016-04-25)
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  • April, 2012 | Signature Personal Loan
    financial freedom and independence is waiting for the next paycheck to arrive In dealing with financial emergencies the first recourse of people would be to borrow money It s a financial emergency precisely because you suddenly find yourself with a huge amount to pay and no means to pay for it You can borrow money from many sources and the first source would be to find someone from your circle of family and friends to borrow from When you can t find anyone however the next source would have to be the bank or a financial firm There are a lot of institutions that give people the option to loan out money and this is the best recourse for people with financial emergencies Before getting into any loan however you have to remember that loans are not free and you have to pay for them eventually Before entering into a loan arrangement you have to assess the options properly Assessing Your Loan Options Assessing loan options is important because if you end up taking high expense loans you ll make matters worse Those who are deep into any financial emergency tend to be quite desperate and this leads to them entering into the first loan arrangement that they can find without assessing the loan properly No matter how much money you owe you have to understand that not all loans are the same and if you take a high expense loan you will drain your finances even more and get buried in even more debt You have to look at the payment arrangement of this loan and how much you have to pay over a certain period of time You have to compare interest rates and assess which one is workable given your income and resources Future Implications All of

    Original URL path: http://www.signaturepersonalloan.com/2012/04/ (2016-04-25)
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  • March, 2012 | Signature Personal Loan
    for refinancing high rate debts such as loan mortgage Lowering the Interest Rates One of the main purposes of going into refinancing is to lower the interest rates Say you are already struggling with your monthly mortgage payments due to the high interest charge You can refinance your mortgage loan for better and lower monthly payments What happens with refinancing is that a newly processed loan is generated that may change the number of years to pay off the mortgage but at decreased interest rate this time Debt Consolidation Consolidating your debts may be another option but consider first refinancing the high rate debts such as mortgage loan or credit card debt It is important to take note though that low interest debt such as a student loan must not be combined with the high rate loans especially if the loan can already be paid off in a few months time The most common type of high rate debt for refinancing is the credit card debt A consolidated credit card debt is the most viable in order to put all payments into one with also a single finance charge as well as interest charge for all credit cards Reconstructing the Loan The most common way to finance is to go through a loan reconstruction This normally changes the loan term with a fixed interest rate For example a 30 year mortgage with high interest rate can be lowered down to a 15 year loan term with lesser interest not to mention that your debt can be settled in lesser time than expected When looking into refinancing make sure that your lender does not add any more costs so choose a no cost refinancing option Making a comparison with various lenders and what they offer is a smart way to refinance

    Original URL path: http://www.signaturepersonalloan.com/2012/03/ (2016-04-25)
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  • February, 2012 | Signature Personal Loan
    applying for a cash loan borrowers should search for the banks or financial institutions which provide better rates for the cash loans in advance Cash loans can be reached both in a bank and online Obtaining the cash loans online can be the easiest way All you need to do is to search on nets for the loan issuers and check out the details Above all fill out the application form online can be done in your office or at home With the quick and convenient online cash loans there is no worry of paperwork Borrowers only need to provide their income level contract as well as checking account information Notice In order to acquire the cash loan successfully and smoothly loan borrowers should meet some criteria First and foremost you need to be a US citizen above 18 years old Then you should have a regular job with a checking account in a bank Also the account had been in use for more than 5 months Unlike some other loans cash loans require no credit status Filed under Uncategorized Tagged with Does Debt Consolidation Affect Your Credit Posted by on February 7 2012 Leave a Comment You might consider consolidating your debt if you are having trouble making the payments on all of your loans Sure when a person takes multiple loans with high interest rates and high monthly payments he or she is quite likely to put them all into one loan for a longer period of term and make a smaller payment each month This is what we have called debt consolidation But have you even figured out whether or not debt consolidation has any effect on your credit If this question has been on your mind I would tell you that the answer is yes Like any other loans you take out a debt consolidation loan can have different effects on your credit Thus it is important to understand how debt consolidation will affect your credit Why Debt Consolidation Affects Your Credit Debt consolidation involves combining multiple loans usually including credit cards high interest auto loans boat and RV loans and any personal loans with a high interest rate into a single loan or credit account That is to say debt consolidation is actually a new loan you use to pay off two or more other loans If using such a service you get money from a new lender to pay off your other debtors From a credit perspective when you get a new loan apply for a loan or make payments on your loans your behavior as a credit user will affect your credit report and credit scores This means that how you manage your new consolidation loan has a major impact on your credit Now let s take a look how debt consolidation exactly affects your credit Debt Consolidation Negative Effects It is no secret that a person s credit score will drop slightly when opening a new account A debt consolidation is actually

    Original URL path: http://www.signaturepersonalloan.com/2012/02/ (2016-04-25)
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  • January, 2012 | Signature Personal Loan
    a home loan today than it was before the housing crisis started As long as we don t see another blow to the US economy the people behind on their credit card or mortgage payments are expected to drop throughout 2012 says the credit reporting agency Transunion Which means applying for a new credit card or home loan will improve for consumers this year This year we should see a significant decline in foreclose rates also There may be a little pressure on unemployment and house prices in the first half of the year but after that we should see some major positivity like new increases in the quality of credit originations and consumer confidence ability and willingness to pay their mortgages If things go as predicted delinquencies should fall by a rate as high as 18 this year as opposed to last year this significant drop will keep rates above the pre recession rate of 2 With credit card delinquencies down the number of cardholders behind on their payments by more than 90 days has reached the lowest level in almost 17 years These historically low credit card delinquencies are reflective of stricter regulations and tighter lending policies which generally prevent people with poor credit from getting a new card Lenders are still very willing to lend but are really out pursuing the best customers by offering promos like a no fee 0 balance transfer card for up to 24 months What has factored into the large drop of mortgage and credit card delinquency is a shift in consumer priorities In the past people that were strapped paid their mortgage first to protect their primary investment and the attachment of their home ownership When so many people were not able to pay on their mortgages they chose to make

    Original URL path: http://www.signaturepersonalloan.com/2012/01/ (2016-04-25)
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