 If i get a £6,000 loan out NOW will it affect me getting a mortgage in 18 months? |
| I may have to get a loan out but i will be able to apply for a mortgage on the keyworkers scheme in 18 months. I was taking out the loan to pay off some bills abroad. I only have one credit card with ... |
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 Credit score issue? |
| I need to buy a car ASAP and im scared my interest rate could be high b/c i have an unpaid charge from years ago due to a bill never arriving (i was living in someones home and they said they never ... |
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 Have you ever maxed out your credit card? |
| If so, how long did it take you to pay it off ?... |
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 I want to get a bunch of credit cards, which ones? |
| i want to apply and get like 10 credit cards, what are some of the best places to get them?... |
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 Where do I cash this check at? |
| I was wrote a check from someone who lives in Vermont & I live in Oklahoma so we don't have that bank down here. Can I cash the check at any bank or what?... |
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| I generally like putting money on my credit card before making expenditures, as this ensures I won't get charged any interest on any amount and that I can actually afford whatever it is I'm ... |
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 Why do credit collectors have to be rude? |
When I answer the phone and they are rude, I just write it off and refuse to pay. It seems if I could have paid on time I would have - however once they are rude, I am basically done.
I ... |
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 Whats the fastest and guarenteed way to get a loan? with bad credit....? |
| i went to court the other day and they said i had to pay some tickets off within 2 months. the total i have to pay is about 4000.00 dollars. is there somewhere i can go and get a laon? i tried my ... |
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 Does too many credit checks affect your credit scoring? |
| I've had a few credit checks done recently when shopping for loans and stuff - can that affect your overall credit scoring - cos other than that my history is near on perfect so i don't ... |
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| Why do people struggle financially after christmas...is it because they got everything on credit for xmas? |
I'm confused here..all my friends are saying they are so hard up financially now christmas is over.
They got everything on credit for christmas is that why?
I started buying in F... |
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 UK please: what is a good credit card to apply for? |
Additional Details
Lol thanks - I'm aware of the current financial situation but I got one recently - no troubles- and need (not 'want') another for my own personally ... |
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 Need a small loan 1,000 $? but under 18 ? |
| I need a loan of about 1,000$ dollars to buy a new camera im underage with no credit cards but my parents own some so could i get a loan through them i could only pay about 50$ a month where could i ... |
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 How hard is it to get a auto loan ? |
| The lease is up on my vehicle, and I need to get into a new auto loan (or lease). The car I am looking at has a sticker of 22,000.00 My credit score is about 630-640 and the person who is co-signing ... |
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| Will using my debit as a credit card build my credit? |
| I have a debit card with a small bank and I was wondering if using my debit as a credit will increase my credit? I am trying to apply for a credit card, but got denied by chase because of no credit. T... |
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 Can I lie about my age to get a Credit card? |
| Is it safe to lie on a cerdit card appliction so I can get a credit card. Because the only reason why I need one is for business/emergency purpose only. But I too young to even apply for one.... |
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| Someone used my identity to open a credit card. What do I do? |
| I've been playing phone tag and nobody will give me answers. I tried looking it up on line and things are contridicting themselves. I need someone with personal experience to help me. I'm ... |
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| I do not have a great credit score, but only one Visa card and two others. I know the formulas are secret but does anyone know if this one factor has a predictable effect?... |
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joan i | What are pay day loans? Are they scams or rip-offs? |
I'm having trouble getting a loan for $1000, I am considering a pay day loan, but don't know what they are. |
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luciousbbwkitty
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don't even go down that road. they are scams,rip offs and legalized loan sharking.
i used to work in a place like that. there is no law on how much interest they can charge.
you may borrow 1,000 and have to pay back 2,000. don't do it! |
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buddhaboy
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pay day loans are the biggest scam to date.
easiest loan to get, hardest loan to pay.
23 percent on credit card is much more safer that payday loans interest.
stay away from them, get your money elsewhere |
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Michael Myklin
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They are loans for a short period of time, usually until your next check, often based on a post-dated check you give them.
They are typically high interest, with additional fees added, and expensive.
"Rip off" depends on which side of the deal you are on. From the company side - they are issuing a high risk loan and expect a percentage of them to default. From your side - they are expensive alternatives to mainstream lenders. |
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Ladeebug71
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Rip offs, they charge a HUGE amount of interest and if you don't pay it back right away, they slap on more interest and you are screwed!! |
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Mary S
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don't bother with it, they don't give enough, th interest is high they are very short personal loans based on how much you earn in 2 weeks and require your paystub, a voided check from your checking account and if they don't get paid right they debit your checking account at the end of 2 weeks and new laws restrict the amount of your first loan to your paycheck amount.. |
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sophieb
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because of the extremely high interest they charge they are considered scams |
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thetis
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Payday loans are short-term loans, which typically reach up to $500. The lenders` claim no credit checks, and the loans are bridged to provide cash flow gapping between paychecks.
Before you apply a pay day loan,learn more about it;
http://avaloans.com/Payday-Loan-Slickers.html |
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koifishlady
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rip-off. u r putting your paycheck on the line and what happens if you get your paycheck and something else comes up where you can't pay them for the 1000.00 that u borrowed in the first place.they charge high interest rates. |
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INACTIVE
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The only reason they are not outlawed is because it's a new concept and the government doesn't know how to regulate them but the interest rates because they are short term amount to somewhere around 300% interest. It's a worse credit trap than credit cards and you'll find people here on Yahoo Answers that are trying to get out of the trap but that have 3-4 loans ongoing. They need one loan to pay off the other. Don't go there. You are better off asking your employer, family, friend or friendly loan shark for a loan than those places. Read the terms and conditions of those "conveniences" and you'll agree that it's not a "convenience" at all. You are in essence giving the company a check from your next payday. If that check bounces, you can be prosecuted by law for bouncing checks and while it may not happen the first time, it could happen. If you are already having problems that you need a loan, it doesn't make sense to need a loan to pay that loan. You get the point. Pick up a part time job or sell things you no longer want or need before thinking of pay day loans. |
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brendalutoo
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Don't do that!
If you have a mortgage and at least $10,000 in other debt check out: http://www.NoDebt4U.org
This company gets rid of all your debt, including your mortgage in about 9 years. No upfront fees. Does not mess up your credit. You can get a free 6 page debt analysis to see how it will work for you before you get on the program.
If you don't have a mortgage or don't qualify for the program you can purchase their Money Mastery Kit. It is a do it yourself program. |
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Fermat
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I suggest you check out www.prosper.com Prosper is an on-line micro-lending community. You just register and Prosper assigns you a credit risk. Then you put out a request for funds. Let’s say you want $5K for medical bills at 15%. Individuals will then typically pledge between $50-500 at the interest rate of their choice. You get to decide if you want to pay that amount. If your loan is fully funded Prosper gives you the money and acts as a loan servicer. You pay Prosper, Prosper takes a small cut and divides up the rest to the other lenders. Take a look. |
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David D
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I found some good info here. |
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