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  • December, 2011 | Signature Personal Loan
    cardholders can use to borrow actual cash or currency against their present credit balance Generally the amount of cash available to credit card users is only a tiny percentage of their total credit limit Not only that cash advances generally have a higher rate of interest charge than most other loans and prove to be more expensive in the long run That is because the rate of interest charged on a cash advance loan is often as high as 23 Also it is rare to enjoy a grace interest free period Though expensive cash payments against cash advances are helpful in situations like medical emergencies and it always helps to take out a currency advance against your credit card balance rather than bank on a debit card or cutting out a cheque But any money that you accept through a cash advance will be typically added to your total balance that you owe to the bank and can turn out to be extremely expensive This is where a personal loan becomes helpful to reduce costs and get better rates of interest But though they seem to have a lot of formalities and paperwork and such getting personal loans for one self today have become much simplified with easy availability and even doorstep delivery Personal loans do take a little bit longer to be approved including undergoing checks about your employment eligibility in terms of age and place of residence plus requiring a suitable guarantor but there are a lot of reasons why choosing them will prove beneficial to you in the long run Cash advance loans will charge you as high as 35 to 50 while personal loans will charge you a maximum of 12 to 30 depending on your eligibility and other criteria Also while opting for a cash

    Original URL path: http://www.signaturepersonalloan.com/2011/12/ (2016-04-25)
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  • November, 2011 | Signature Personal Loan
    and your existing financial position You do not have to be embarrassed about your request because the system is based on the premise of helping people financially no matter what the obligation as as long as it is ethical When you give your request the peer to peer lending sites match the borrower s demand with the rightful investors Since there are many investors who may be willing to oblige the borrower can leverage the situation and go for the offer with the low interest rate as repayment Both parties benefit from this arrangement the borrower gets the money according to his or her need and the individual lender can receive his money back along with better terms of interest better than what s he would get in a financial institution with a modest rate of growth The peer to peer lending website also makes money by collecting a small amount as commission for the service offer Along with peer to peer lending there is a system of payday loans or cash advances which are also quite popular for short term lending However when you compare both these modes of lending it is seen that the people are more in support of peer to peer lending for the following reasons 1 Low interest rates Both cash advances and peer to peer lending are unsecured loans but in the case of peer to peer lending the interest rates are even lower A cash advance or a payday loan is a high risk loan with interest rates that can go in triple digits But in case of peer to peer lending the interest rate can be anywhere between 7 and 2 percent 2 Longer term period While cash advances or payday loans have short term repayment period wherein you may have to

    Original URL path: http://www.signaturepersonalloan.com/2011/11/ (2016-04-25)
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  • October, 2011 | Signature Personal Loan
    who are in dire need of cash Sometimes unexpected expenditures arise that need to be paid off immediately But they may not have enough money to cover it Taking out a personal loan or an advance payday loan can be the best solution Choosing to borrow from the bank you are banking with is a great idea Since you are their client you can expect a higher amount of loan from them In taking out any type of loan always consider your ability to pay Think of your income and expenses first The global economy is shaky at best The stock market has suffered losses and the salaries people have are not often enough Do not attempt to take out a loan you cannot pay at all It may sink you deeper into the debt pit Payday Advance Loans From its name payday advance loan is an advance against your coming paycheck You will not be asked to submit many requirements usually just your checkbook and proof of identifications These are loans of relatively small amounts usually like 500 and 1 000 You will be asked to issue a check for the loan amount and plus the lender fee Make sure you read the terms of agreement thoroughly and ask for clarifications if you have any These loans can easily be acquired by working individuals because their paycheck serves as guarantee for the loan Personal Loans Generally a personal loan is between two individuals But personal loans can be taken from your bank These are generally unsecured and can be used for whatever purpose you wish Like payday advance loans they are also in small amounts But personal loans can also be secured If you wish for a bigger loan you can use your house as a collateral or security

    Original URL path: http://www.signaturepersonalloan.com/2011/10/ (2016-04-25)
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  • Federal Trade Commission Suggestions on Ethical Payday Lending | Signature Personal Loan
    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 or the

    Original URL path: http://www.signaturepersonalloan.com/federal-trade-commission-suggestions-on-ethical-payday-lending/ (2016-04-25)
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  • Personal loan rates, how do you know what is a fair offer for you to pay | Signature Personal Loan
    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 can

    Original URL path: http://www.signaturepersonalloan.com/personal-loan-rates-how-do-you-know-what-is-a-fair-offer-for-you-to-pay/ (2016-04-25)
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  • When Financial Emergencies Occur Don't Make Matters Worse By Taking Out High Expense Loans | Signature Personal Loan
    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 these

    Original URL path: http://www.signaturepersonalloan.com/when-financial-emergencies-occur-dont-make-matters-worse-by-taking-out-high-expense-loans/ (2016-04-25)
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  • Refinancing High Rate Debts, What Options Should You Consider | Signature Personal Loan
    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 Lenders

    Original URL path: http://www.signaturepersonalloan.com/refinancing-high-rate-debts-what-options-should-you-consider/ (2016-04-25)
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  • Online Cash loans for Your Imperative Needs to Get Money Quickly | Signature Personal Loan
    cheque loan payday loan as well as cheque loan Cash loans are short term loans of smaller amounts and their interest rates start from 6 1 APR How about the Amount and Repayment of Cash Loans Just as what we have mentioned above the general APR of cash loans starts from 6 1 People can choose both the secured and unsecured cash loans in the United States As the name indicates secured cash loans require fixed assets as collateral which can be used for applying for larger amount As for the repayment cash loans are usually repaid on next payday If you want to extend the repayment to the third payday you will be charged for higher interest rates over the longer time interval When the agreed repayment period ends the amount will be automatically deducted from the borrowers accounts through their post dated cheque How to Obtain a Cash Loan Today numerous financial institutions and banks offer cash loan to their clients Getting a cash loan is quite easy There is no need of submitting any proofs or documents for this loan application You only need to fill out an application form which includes your personal information For getting the cash loans borrowers need to deposit their post dated cheques to the lenders At the same time the amount in the cheque includes the total amount that the borrower borrowed and the interest Therefore before 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

    Original URL path: http://www.signaturepersonalloan.com/online-cash-loans-for-your-imperative-needs-to-get-money-quickly/ (2016-04-25)
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