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Hi, I have a $9,039 balance on my carloan at 9.74% interest rate. I can 31 months remaining how can I pay this off fast. My main goal is to save money.
Pay extra every month (there's usually no prepayment penalty), and make sure you put a note to apply the extra to the principal. That way you'll pay it down faster and have less and less interest to pay each month.
Also, you have almost 3 years remaining, and a high interest rate. Maybe you can refinance. Especially with the economy as it is, interest rates are much lower now.
How to get a bad credit auto loan in the USA and Canada. Car loans for bad credit from Auto Credit Express
Car loan is 17000 dollars apr is 17 %.
Dealer told me that i can refinance in 4-6 months, but i think he lied to me. Bank told me that i can refinance only once.
So 4 months passed.
SHould i try to refinance it or wait at least 12 months???
Thank you.
At that apr and assuming the 17000 was the value of the car, you will be "upside-down" for 2-3 years, i.e., your car will be worth less than the loan balance. Make double--even triple--payments as you can, or you will need thousands to refinance.
If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. It is chock full of information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease.
Having a good credit report means it will be easier for you to get loans and lower interest rates. Lower interest rates usually translate into smaller monthly payments.
Nevertheless, newspapers, radio, TV, and the Internet are filled with ads for companies and services that promise to erase accurate negative information in your credit report in exchange for a fee. The scam artists who run these ads not only don't deliver — they can't deliver. Only time, a deliberate effort, and a plan to repay your bills will improve your credit as it's detailed in your credit report.
http://www.ftc.gov/bcp/conline/pubs/credit/bbcr.htm
my mom is unemployed and i am using her credit. i have went to the bank and they said that she has to have a job to apply for the loan. so i need 2000 dollars within 2 days and i dont know what to do. its a car loan.
Sorry, it doesn't work like that.
No job = no income = no way to pay back the loan.
Unless you have a job.
In which case, get your own loan.
Otherwise, whatever the car is, you don't need it yet.
I have 5 years of payments left on a car I hate. I cant afford to make more than one monthly payment on it but is there anything I can do to make it so it wont actually take me 5 years to pay it off? Meaning, is there any "rule" saying (for example) if I pay an extra $10.00 a month, that will shave a year off the length of the loan? Just using that as an example of course.
You would have to calculate it out based on your interest rate and how much your payments are, but anything you can pay off over the minimum payment will reduce the time it takes to pay it off. I typically paid between 25 and 50 over (not every time but as often as I could) and I shaved almost a year off.
Fast Cash Payday Loans – Get Instant Money Online in 2010 Subprime Blogger (blog)
The old adage you have to have money to make money becomes very clear when this is the case. If you have no money there is a high likelihood that you will not be able to buy a nice suit to go to a job interview or even a cell phone to receive calls. It is also likely that you will not be able to pay your Internet bill so you will not be able to do job research online. You have to have at least some money to end up making money in the future.
With this being the case there is an option to get a fast cash payday loan to get instant money today. Please understand that when you do get a fast cash payday loan that you are going to need to pay it off rather quickly. If you need money for the long run then you might want to do research on getting a bad credit personal loan . With a fast cash payday loan you will be required to pay the money back with your next paycheck.
If you decide to get a bad credit personal loan you will end up making payments on this type of loan much like you would a car payment or a mortgage payment. The interest will build up over time but you’ll have a much longer period of time to pay it back rather than having to pay back the entire amount with your next paycheck. If you feel you will have enough money in your bank account when you do receive your next paycheck then getting a fast cash payday loan online is an option.
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