1 day loans in Rhode Island

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Payday Loan in Rhode Island

    Its for up to $5,000. Although I wasnt seeking a loan I did want to finish my basement and figured this would help so I looked into it. They gave me an interest rate of 22.99%. This seemed pretty high to me but the lady assured me that was actually 4% less then the Rhode Island average because I meet income and credit requirements.

    STAY AWAY from ANY loan with a 22.99% interest rate. You could get a credit card for less than that. If you have good credit and need a loan, the bank you have your accounts through is the best place to go. NEVER apply for a loan that is solicited through the mail. My husbands credit rating is well into the 800's, and he gets those horrible offers EVERYDAY. He could get an interest rate down near 6%...why would he get a loan for 18%? They send you those because they hope you're a damn fool, and if you applied for one...you'd prove them right. I did the math...that would be $1,149.50 a year just in interest! And when I said you could get a credit card for less than that, I didn't mean I'd recommend taking out a loan on your card...that would be HIGHLY inadvisable and crazy...but not as crazy as applying for this high interest loan. My recommendation is if you need a loan, see your bank. Interest rates are low right now. And go for a FIXED rate, not a flexible one. If prime right now is around 6%, in two years it could be back up to 8% (or 9...or higher), and that's a huge monthly payment jump. Could mean the difference between making your payments and keeping your house, or losing everything. Your fixed rate will be higher, but it will stay manageable. That's not a gaurantee they can make with a flexible rate.

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    Citibank Pre Approval

    Well, she may be right about their interest rate being a littler lower than the average....however the average "financing" companies do have higher interest rates. I can promise it's not lower than a local bank or credit union. If you want an improvement loan I would try my bank or credit union for a low interest short term non-revolving loan. Or, check out some of the peer to peer lending networks that are popping up out on the web. It's kind of a cool concept. If you got a pre-approved loan from Citibank, your credit may be pretty good because now days the credit guidelines for even the financing companies are becoming more stringent. If that's the case, I'd borrow from someone I could trust.

    For Finance and credit solutions I visit this site where you can find all the solutions. :Citibank sent me a pre-approval letter in the mail for a personal loan? Its for up to $5,000. Although I wasnt seeking a loan I did want to finish my basement and figured this would help so I looked into it. They gave me an interest rate of 22.99%. This seemed pretty high to me but the lady assured me that was actually 4% less then the Rhode Island average because I meet income and credit requirements. Follow 8 answers

    Yeah, that's pretty bad. Pre-approval doesn't really "mean" anything - it's just "hey, you have credit, would you like us to see if we can give you a loan?" Maybe that's 4% less than the average (I think she was making the numbers up!) but it's still a poor deal - if your credit and income are okay, you should be able to get a credit card with at least 3-6 months of 0% interest and 15-20% interest (and that's higher than I'd LIKE, honestly!)

    Citi Pre Approval

    Don't take it, you can go and get a personal loan at a different bank if your credit and dti is good! Bad idea, bad deal, wouldn't do it!

    Horrible deal... do the math on the ammortization of the loan and you will think twice.

    Terrible deal.

Loan question.?

  • Charley Hermiston
    Charley Hermiston
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  • Estella Lubowitz
    Estella Lubowitz
    Its work doesn't be doing the position on the united further developments of a client you 're with i know bank. it will be necessary considering the scope to amount of outstanding equipped to them. it will enable be taking file determine if you got any other debts, , incorporating having read , you just to produce annually of were trying may pay - jim our currency back. just hope it let me see between now paucity of you. really nice luck. also, recalls you won't 'm ... the communication payment, may come also responsible would cost gas, the administration of the vehicle, you are required to , entirely is covered the policies becuase car 's financed, , you 'il have taxes, tags, , or on rights being will get due.