Personal Loans

How do you obtain a personal loan from a bank?

23. July 2009

I need a personal loan to pay off my bills and basically just get caught up financially, and is considering going to a bank and asking for a personal loan for the first time. Other than student loans, car loans, and check-n-go stores, I’ve never went into a bank to ask for money because I [...]

Being a Co-signer on a Personal Loan

22. July 2009

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Being a co-signer on a personal loan for a friend or family member is a very generous offer as it will likely mean the difference between them being able to qualify for such a loan and not being eligible. However, the decision of being a co-signer for a personal loan should not be made lighter. [...]

How does the personal loan from banks such as Bank of America or Citibank work?

22. July 2009

1 Comment

I just received an offer to apply for a personal loan for up to 35,000 with Bank of America and for up to 5,000 with citibank. I actually need no more than 7,500. The interest rate is between 9,97 and 27,88 based on credit worthyness. I will like to know how it works. I’m hesitating [...]

How do I get a personal loan with bad credit?

21. July 2009

1 Comment

I am looking for a personal loan, but my credit is not good. I don’t want a payday loan but that is all I find on the internet when I type in personal loans for people with bad credit. Do you know any lender who will give loans to people with bad credit? I don’t [...]

If I consolidate my student loan with a personal loan can I still write off the interest?

19. July 2009

1 Comment

I had a federal student loan which I consolidated about 8 years ago to someone who eventually sold that loan to Citibank. I pay about 8.35% in interest. I am considering paying off that student loan with a personal loan where I can get a better interest rate. If I do this will I still [...]

How can you go about getting a personal loan from a bank? What collateral do you usually need?

19. July 2009

1 Comment

I will probably need to replace my car soon, but I don’t know that I want a traditional car loan because it would require having more insurance, and thus be rather expensive for me. (It’d be about double for me, as I don’t have a spotless driving record). I was wondering if instead I could [...]