If you need cash now, we offer fast payday loans up to $1000. The process takes less than 3 minutes.
Payday advance types of loans usually require the entire amount to be repaid on the next pay period. No credit or faxing needed for loans under $1000. Bad credit OK! Instant Decision; you can start today and have the cash you need quickly
We are an immediate loan specialist in University Park, and we are quicker and more advantageous than run of the mill retail facade banks since we're based on the web and are open constantly. No compelling reason to sit tight for "ordinary business hours" or invest energy flying out to the store — our short application can be finished in not more than minutes. You can even apply from a cell phone while you're in a hurry!
We can loan up to $500 to University Park occupants, in view of qualifying elements. On the off chance that endorsed, your credit will be expected on your next payday that falls in the vicinity of 10 and 31 days after you get your advance. Nitty gritty data with respect to expenses and reimbursement is accessible on our Rates and Terms page. As you consider whether an advance is proper for your prompt needs, you ought to likewise investigate other subsidizing alternatives. A payday credit is a genuine budgetary duty, and not an answer for long haul issues. Getting from a companion of relative may be a superior alternative.
I went to bank of america online site to fill out a pre-aproved auto loan app. i was denied like 2 seconds after i hit the enter key on my keyboard. i called them and they say because i have not used credit in almost 7 years the enhanced auto bureau credit request that they pulled would not rate me. they also say that i would get a very high interest rate because i have not used credit in so long. they said i had what is called DORMANT credit. what in the world should i do. i have worked my but off to pay of the things on my credit report and i saved and bought everything in cash. i do not even open credit card offers. they go straight to the trash. i pulled my credit report and it says i have a 708 beacon score. what is going on. i was shocked to hear this info. is it true and how do i get around the high interest rate just because i have not bought things on credit for a long time. i am in the market for a 2007 toyota tundra. PLEASE HELP........
You are still alright. The credit union is a good starting place, as are new vehicle dealerships, and do both. Car dealers are aggressive lenders and will do everything possible to deliver a vehicle, and then some, so you have them working for you. What you can expect and will need to counter at the dealership is the fact that your credit score/history is not based on paid accounts and active credit, but older inactive credit. The argument from the lender's side is that your credit reflects what you "did", not what you "are doing” which is more reflective of how a borrower will perform. Now, words of caution! DO NOT accept the banker's opinion and feel like a third class borrower begging for a loan. Bankers are a different breed of lender than is a Credit Union lender or a Finance person at a car dealership. CU lenders are motivated to assist you, Finance people are motivated by assisting you and getting paid when they do, and it is their job to be certain that what is sold is financed and DELIVERED. The other factors that will be weighed for you are (1) income, (2) current and predictable job stability, (3) savings accounts, and investments. (4) home ownership and equity, (5) gross income, (6) down payment, (7) time in the community, at your current address (not a negative if only a short time if you are a longer term area resident, (8) partner income, (9) and a previously paid vehicle loan, (10) attitude, yes attitude, an air of confidence and positivism, "I am creditworthy, I can and WILL repay, and I am not interested in your high interest quotes. I expect the best interest rate available, and I will shop till I get it." The reason the above items pertain to a loan is that the lender wants to BELIEVE that you CAN and WILL repay the loan. I assure you that there are buyers that can repay a loan yet are turned down for a car loan because it does not appear they will repay. Why? If they have not and are not paying other lenders why would they repay this loan? You are in an University Park place, perseverance and patience will win with a positive and confident attitude. A lender may ask you directly what's going on in your world-be prepared to answer with a positive statement that you were maintaining your good credit so that when you were ready you could buy a vehicle. Positive is a major plus. Again, perseverance and patience will get you there. besttoyou, Chuck 30 years/thousands of car deals
You asked two different questions: 1) How can non-taxpayers get a rebate? 2) How can the gov't not give rebates to everyone? First, as of the date of this answer, the tax rebate has not been approved. Hopefully, it won't, because, the previous rebate ($300 in 2001) proved to be pointless, and, in case you forgot, you had to pay taxes on it during that tax year, as you will have to with the proposed rebate. In other words, there ain't no such thing as a "free lunch". Second, to answer your first question, non-taxpayers will not get a rebate. The rebate would only apply to those who reported a certain minimum, which, currently, is $8,000. Third, to answer your second question, which was partially answered in the above paragraph, there are plenty of wealthy people who would not get the rebate. Also, it would be pointless to give a small rebate to the wealthy. I would also point out that the gov't could save a huge amount of money by not issuing checks, which, by some estimates is at least $25 per check; instead, they could simply add a line to the various 1040 forms (which, at this point, would have to be for the 2008 taxes) to subtract the rebate amount (or a percentage thereof) from the adjusted gross income. This way, people who were going to get rebates, anyway, would get one check instead of two. Granted, some people would get a check instead of paying a tax, but, my guess is that it would be a comparatively tiny minority, so the gov't (i.e., the taxpayer) would still save money. Fourth, you said, "We don't get a rebate", but, per all the above, there is no way to know if that's true at this time. So, political rhetoric aside, at least wait for the facts to be known and realized before coming to invalid conclusions.
Believe it or not, having "no" credit is worse than having bad credit when it comes to obtaining more. Find a dealership with a really strong finance manager. This person will have many years of experience in the same market and solid relationships with local lenders, you'll be amazed at what they can get done.
Try other lenders, especially credit unions. On my last car purchase, a local credit union came up with a better deal than the bank (with which I have dealt for twenty years).
It was stupid of you to never use a credit card. It IS bad to have a lot, but its smart to have one or two to build up your credit. There's nothing you can do now because you haven't done anything to show that you can be trusted. Get a credit card and start paying it off. Stupid.
How is this an "interest rate shocker"?