Good Credit

Self-lender: An easy way to build credit

Good Credit
Self-lender: An easy way to build credit Traditionally, we’re told that it’s important to build credit, and that in order to do so, we need to get a credit card. But with no credit history, or with a poor credit history it’s usually difficult to get one.And if we can’t qualify for a regular unsecured card, then the only other options seem to be to apply for a secured card, or to become an authorized user on someone else’s account.One option that’s available is Self-Lender. Like thousands of other people, you can start a Self-Lender account with poor or no credit history. Based out of Austin, Texas, Self-Lender is a company dedicated to helping consumers save money and build a positive credit report. It’s basically like loaning yourself money.The way that a Self-Lender acco
Buy a car in 2018: Whether used or new, how to get the best deal

Buy a car in 2018: Whether used or new, how to get the best deal

Financial, Good Credit
Buy a car in 2018: Whether used or new, how to get the best deal Despite the increase in mileage, more Americans who already own cars are hanging onto the vehicles longer, making automakers jittery, according to Fortune. Indeed, annual U.S. sales dipped slightly in 2017 for the first time in eight years, CNN reported, though global demand remains strong.To get organized, you might start with a budgeting checklist, setting ceilings for down payment costs, monthly payments, insurance and miscellaneous expenses like parking and gas. Luckily there are paths to the car of your dreams — without overpaying or regretting your purchase — and creative options to make the car work for you, such as by lending it out for cash with one of the rising number of sharing services available for owne
New Car Deals Blossom This Spring

New Car Deals Blossom This Spring

Financial, Good Credit, Tips
New Car Deals Blossom This Spring Savvy shoppers can get good deals on certain models this spring, the time of year when some dealers are looking to move the previous model year's inventory off their lots to make room for some fresh 2019 models.We focused on models recommended by Consumer Reports. That means these cars have scored well in our testing, have average or better reliability in our latest member survey, and have performed well in government or insurance-industry safety tests, if they've been evaluated.When buying a car, in addition to research and reviews, Consumer Reports offers its members access to the Build & Buy Car Buying Service at no additional cost. Through this service, a nationwide network of about 15,000 participating dealers provide up-front pricing i
Car loans: 5 ways to get the best deal as interest rates rise

Car loans: 5 ways to get the best deal as interest rates rise

Financial, Good Credit
Car loans: 5 ways to get the best deal as interest rates rise Car loan rates are expected to keep climbing higher in 2018. Economists are forecasting that the Federal Reserve will bump up rates three or four more times this year. (Photo: Susan Tompor)Interest rates on new car loans have hit high levels not seen since 2010, driving up the need for consumers to work a little harder when shopping for the best deals.Caldwell said a car dealer might help you get a lower monthly payment by extending the term of that car loan, for example. Yet if you're taking out a six-year or a seven-year car loan, you're spending more money overall and taking on the risk that you'd still owe money on the car if you need a new one in three years.The average car loan was for 5 years and 9 months
Advantages of Rent to Own Homes

Advantages of Rent to Own Homes

Financial, Good Credit, Loans, mortgage, Tips
When it comes to home ownership or deciding between rent vs buy, renting to own is when a property owner agrees to rent the home, and then you, as the renter, have the option to purchase the home at a future date. In most cases, you will sign a contract stating that you will purchase the property at a specific date. Because of the struggling economy, many people today are now choosing rent to own homes, and there are many benefits of renting to own a home in a rent vs buy debate.One of the main reasons that you might want take advantage of the renttoown homes option is that it will give you time to save money for a down payment in your credit card. Down payments are usually required when you have the option to purchase; therefore, when renting to own, the down payment required is much ...
Get a Loan Even With Poor Credit

Get a Loan Even With Poor Credit

Financial, Good Credit, Tips
Get a Loan Even With Poor Credit There are bad credit loans out there designed to help those who do need money but they have some negative marks on their credit score.Being able to still obtain the funds you need without feeling embarrassed or anyone looking over your credit is a good feeling.It means you aren't backed into a corner with anyone around to help you.Move ForwardYou can't change those circumstances, but they are going to haunt you if you don't find a good way to get the credit score you seek. Through bad credit loans, you can move forward and not feel like those past issue still continue to affect you so much.You may have learned your lesson about personal loan or you may have no control over what occurred to get you into this boat. However, you do have a choice abou...
Auto Loans for Those With Bad Credit

Auto Loans for Those With Bad Credit

Bad Credit Report, Financial, Good Credit, Loans
Necessary LoansGetting an auto loan is necessary for even the most inexpensive car the manufacturers have on the market. Auto loans for those with bad credit may be a bit tricky to land, especially if you are looking for one with low interest, comfortable repayment terms and no money down. But it can be done if you know the variables and take some pointers.Variables Regarding Your Auto Loan PaymentsSince the amount you are going to be paying every month should be a large consideration, take into account the four big variables that will influence your payments. How much does the car cost? How long will the loan be on the books? What is the interest rate? How much do you have to put down? You do have some control over some of these aspects of your auto loan for those with bad cre...
Zero Down Auto Loans – The Risks Vs the Rewards

Zero Down Auto Loans – The Risks Vs the Rewards

Bad Credit Report, Financial, Good Credit, Loans
Unfortunately, the economic recession has sapped the savings accounts of many Americans. Whether the issue is investments gone awry, lost jobs, or helping to support family members in crisis, few consumers have the same amount of monetary cushion they used to have. This lack of readily available funds can present a significant obstacle to buying a new car. Sure, you can finance your new vehicle, but lender or dealer is almost surely going to ask for a minimum down payment. How much? Typically 10% or more of the vehicle's purchase price, while 20% is ideal.This requirement leaves an ever-rising number of car shoppers searching for car loans with zero cash down. These are often referred to as "zero down car loans," and they are not always easy to find. Often they are associated with deal...
Getting Guaranteed Approval Is No Sweat

Getting Guaranteed Approval Is No Sweat

Financial, Good Credit
Car financing is a very surprising and unpredictable process. But, one thing that every car buyer with no credit history can foresee is this sentence: "a co-signer might prove to be beneficial for you".Usually, parents or any member of the family is asked to co-sign the auto loan contract. But, it becomes quite a problem when you don't have anyone with a good credit history to co-sign your auto loan contract. This is the situation when no credit no co-signer car loan can act as a boon for you.If you are looking for no credit auto loans without a co-signer, you need some knowledge. This article is perfect for people with no credit history and no co-signer because it helps in getting the best car loan deal.Who can apply for No Credit No Co-Signer Auto Financing Program?Anyone...
Find Online Auto Loans

Find Online Auto Loans

Bad Credit Report, Featured, Good Credit
Being on the lookout for a good ideal on an auto loan if you have questionable or bad credit can become a long waiting game. The chances of a really low rate for people with a FICO score under 600 being advertised in a newspaper or on TV are slim-to-none.A better idea is to take a more proactive approach with finding auto loan deals that work for any credit situation. By aggressively going after what you need rather than just sitting back and hoping for the best, you will have a 10 times better chance of getting it.The truth is, there are many auto loan lenders out there who specialize in working with borrowers with a full range of credit scores, from good to bad. You just have to know how to prepare yourself for finding them and then applying.If you want to find online auto lo...