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4 Tips to Get Lowest Interest Rate Personal Loans-Payday Loans-Car Loans-Home Loans


Before we start discussing how to get lower personal loan interest rates, it is important to understand what they are. Below are their 5 main characteristics:

(1) they are unsecured, which means you do not need to have a collateral to get the loan;

(2) because of the lack of collateral, they usually attract higher interest rates;

(3) lenders give you this loan only on 'faith' that you would pay the money back in full and with interest;

(4) you need to have an excellent credit score to even be considered for them;

(5) because of all above points, it is very difficult to get approved for personal loans if you do not have an excellent credit rating. Even when you have an excellent credit score, it is very difficult to get approved at really low interest rate.

Having said all that you can still be able to borrow money from lenders. So let's now look at how to get lower rates for personal loans using these 4 practical tips.

1. Raise Your Credit Score.

The best way of lowering interest on these types of loans you obtain from banks and other financial institutions is to improve your credit score. This puts you as a good risk in the eyes of lenders, your excellent credit score tells them that you would pay back the money. So how do you raise your credit score? Make your payments on time, do not open new accounts and pay as much of your debts as possible.

2. Ask Lenders to Lower Interest Rates.

If you have been able to raise your credit score, consider asking your lenders to lower your rates. It is difficult for this to happen but it is possible. The banks may lower rates on your existing loans. This may not be much but over the life of the loan you will save a lot of money.

3. Consider Refinancing Existing Loans.

Again if you have improved your score, apply for a new loan with lower interest rates. Check the current national interest rate for loans. If it is lower compared to the rate at which your current loan is at, then refinancing may be a wise choice. Use the excess money to pay off the old loan.

4. Consider a Getting a Secured Loan.

This could be possible if you have a home and there is equity in the house. Another way of getting a secured loan is to use your car title to get a car title secured loan. You can also secure the loan based on any assets you have which banks would accept, for example jewelry. If you already have an existing personal loan that have high rates, getting a secured loan at the lower rate will help you pay off the old loan.








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Monday 23 June 2014

No Credit Check Car Loans-Guaranteed Approval Auto Finance Bad Credit

No Credit Check Car Loans-Guaranteed Approval Auto Finance Bad Credit

If you are searching for a easy and fast car loan,a "no credit car loans" might be a good choice.Before applying you need to know what you will get in this type of loans.
The Background of No Credit Check Car Finance
The Simple truth is that getting car loans or different types of Payday Loans,home loans, personal loans is not as simple as it used to be.With personal loans,specially for new car loans,large Commercial Banks do not want to do anything.Many people who want to purchase new car from any dealer take their car loans through the dealership,Dealer takes additional charges in all cases onto the bottom line.
What to Face With No Credit Car Loans
You will face many restrictions on financing your car if your credit score is less than the perfect.Financing is a high risk venture now more than ever. Financiers or lenders evaluates your repayment history and if are found defaulting on loans,they will charge higher interest rate on your car loans and will apply more restrictions.
Collateral
it is a good bargaining tool.you can purchase very much anything you want if you have enough collateral.But there is no change to have any collateral if you have a poor credit history.








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