can i get a loan from my bank

can i get a loan from my bank

Should or can I get a loan from my bank?

Here are 30 best answers to ‘Should or can I get a loan from my bank?’ - the most relevant comments and solutions are submitted by users of Yahoo! Answers.

I have a loan from my bank and want to get a home loan from the same bank. Can they combine them into one?

Basically if I have a loan from my bank and want to get a home loan from the same bank, would I be able to put my old loan on with my home loan?

Yes if you have enough equity in the house

I am about to be 18, and when I become 18 I'm going to start me up a bank account. When I get my own bank account, when can I get a loan? I just want a $3,000 loan or cheaper. So can I get a loan as soon as I get a bank account?

Ignore all the scam answers above. Opening a bank account does not "build credit." With no.

How can a person with bad credit try to get a personal loan at a bank?

i have tryed to get a loan but it seems to be very had and try at banks to get a loan when u kinda have bad credit.and im not wanting to get no money from no pay day loan,how can i barrow money and just have that one payment every month.can someone please.

Banks have certain standards that they rely on to make decisions on who to lend money to. When a person.

Can I get a loan without having to put my bank account info in?

Can I get a loan without having to put my bank account info in? I need a loan quick. I wanna get one online. I needed about $500. My dad is coming to visit me and my sisters in california and my sister's 5th grade graduation is on wednesday. She doesn.

Checking out your bank account activity - whether you are a good customer - is part of the application.

Can I get a student loan from my bank if I have bad credit/defaulted loan?

Unfortunately I have defaulted on my student loan. Although I applied for assistance before it defaulted, sent it the required documents then got a letter saying that I didn't provide enough information. Anyways, I'm just wondering if I can still get.

No one is going to give you further loans at all until you fix your credit history. Get a job to pay.

Can someone that co signs with me on a loan get a seperate loan from another bank?

my uncle is co signing with me on a loan for 235k. i make 42k a year and he makes 84k.he wants to buy a condo anywhere from 2-6 months from now for 300k..if he co signs with me on a loan tomorow will he still be able to get his own loan for his condo.

That depends on his finances. His lender will decide.

Can I get at least a $4,000 bank loan even though I'm only 20 years old?

I need a bank loan of $4,000 and I currently got a job and work for a wedding decoration business but I'm only an intern for now. Will the bank be willing to give me that amount of a loan? Also I am a student and I don't need a student loan but only.

Your best bet would be to go into a bank, and talk to a representative; it costs nothing but time. But.

Can I get a lower interest loan from another bank to pay off a high interest loan I got for a ATV?

Ok, I purchased a ATV for $6300 with financing through Retail Services. It is $99 a month minimum with a 17.9% interest rate. I can only pay close to minimum on it, so the interest eats me alive. In the past 2 years I have only paid off $1500 of the.

Most likely not. The best rate you can usually get for such a purchase is when it is new. Your ATV is.

I dont have own house.Can i get a loan from any bank for MBA in India?Please serious help needed.I m worrying.?

Well,I m 21 male and doing Btech ece with 1 st class.i m good in studies. I m preparing for CAT.and i have a dream to join TOP 30 B SCHOOLS like IIMs IN INDIA.i m really hardworking guy. But my problem is i dont have own house.My father is doing govt.

yes. u can get the student loan. if u have property, u can get the loan through it. or else, u.

Can I get a small student loan from a bank?

I need a small student loan. Like about $500 so that I can pay for my books,food,phone bill. I am getting financial aid but its not enough and I wont get my check until a week after my next semester starts. Can I go to a bank and get the loan or will.

Go to your university website and look at their financial aid pages. They will have step by step instruction.

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Thank you. I will try this.

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Can I take a loan from my bank?

If you are not a regular employee and you are looking for a bank loan, check out the possibilities with our experts.

However, there are a few institutes that provide loans for the unemployed.

There are different types of loan and for each type of loans you need some sort of collateral to show to pay it back.

Borrowers with good to excellent credit (690 and above) have the widest options when it comes to shopping for a personal loan. They’re also likely to qualify for the largest loans and the lowest rates.

Lenders view borrowers with average or bad credit as higher risks, and some may not offer loans as a result. But a bad credit score, one that’s below 630, doesn’t mean you can’t get a personal loan. Credit unions and some online lenders offer loans to people with bad credit, considering factors beyond their credit score.

Few major banks and financial institutions offer unsecured personal loans. Those that do cater to borrowers with good credit. If you’re already a bank’s customer, you might get benefits such as applying without visiting a branch or qualifying for a larger loan amount.

Some large banks offer free credit scores or loans with no origination fee.

Big banks that make personal loans are:

  • Citibank: Lends mainly to prime borrowers and limits amount to $12,500 for new customers
  • Discover: Focuses on debt consolidation loans and provides free FICO scores, whether you’re an existing customer or not
  • Marcus: Online lender from Goldman Sachs that charges no fees and gives borrowers the option to skip a payment after 12 months of on-time payments
  • Wells Fargo: Lets borrowers choose to have money sent directly to creditors for debt consolidation

Some of the best-known national banks, like Bank of America and Chase, don’t offer unsecured personal loans. They do offer other credit products, such as mortgages, home equity lines of credit and credit cards.

A local community bank may offer personal loans. Existing customers in good standing with the bank have the best chance of getting the lowest rates.

Personal loans from credit unions

Credit unions are not-for-profit financial institutions that serve members who live, study, work or worship in a particular area. To apply for a loan, you need to become a member first.

If you’re looking for a small personal loan, a credit union should be your first stop.

A local credit union may offer personal loans with lower interest rates and more flexible terms than loans from other lenders. Credit unions often are willing to work with members who have fair or bad credit.

If you’re looking for a small personal loan — less than $2,500 — a credit union should be your first stop. Some lenders don’t offer such small loans.

Personal loans from online lenders

Online lenders are a convenient way to search for loans. Most quote rates and terms during a preapproval process after a soft credit check. That’s just an inquiry and doesn’t hurt your credit; a hard credit check is an actual application for credit that may briefly ding your credit score.

The sheer competitiveness of the personal loan market means online lenders try harder to set themselves apart from traditional lenders, either with lending guidelines that go beyond traditional credit-scoring models or with extras like flexible payments, no fees or ways to lower your interest rate during repayment.

Online lenders like Earnest, LightStream and SoFi are geared to strong-credit borrowers, offering high loan amounts and low interest rates. Credit scores of 690 to 719 are considered good, while those 720 and above are excellent.

Other lenders cater to borrowers with less than perfect credit. Avant and LendingPoint are a few examples. Rates are higher, but it may be easier to get approved with a credit score that is average (630 to 689) or bad (300 to 629).

Borrowers with bad credit can consider:

  • An online lender for borrowers with bad credit. Some consider nontraditional factors like earning potential in their underwriting decisions.
  • A secured personal loan. You’ll need collateral like a car or a certificate of deposit.
  • A co-signer loan. A friend or relative with good credit may help you qualify for a loan or a lower interest rate. The co-signer is responsible for paying the loan if you don’t.

When shopping for a personal loan, be sure to look at the annual percentage rate, not just the interest rate or monthly payment. The APR includes the interest rate and any extra fees you’ll pay. It’s the best apples-to-apples cost comparison between two loans.

Shop for rates, but don’t shop only for rates.

Shop for rates, but don’t shop only for rates. Consider which lender offers consumer-friendly features you might need. For example, with some debt consolidation loans, lenders will send money directly to creditors, eliminating that step for you. Other lenders may let you pick a payment due date or forgive an occasional late fee.

A half-point difference in the interest rate on a five-year, $5,000 personal loan will cost an extra dollar or so a month. The flexibility to reschedule a payment, though, might keep you from missing a payment and incurring a late fee as well as a hit to your credit score.

Some lenders may make loans only for specific purposes. Payoff, for example, seeks only customers who want to consolidate their credit card debt. Some credit unions will make large loans only if they’re for home improvements. But the majority of lenders don’t care what you do with the money.

How can i get a 5k loan from my bank?

I am interested in seeing your credit card has been raised twice. That is a trap for young players. They are simply trying to get you to spend more, and then charge you heaps of interest, if you can't meet the monthly payments.That is how banks make their money.

I have 24 years old and im planning on starting a little business, i have a steady job and i would like to kno if im able to just get a loan from my bank. My credit history is from 2 years, never been late and my credit score its 624 from experian. I only have a new credit and maybe tried many times to get new credit.. i would say bank of america since i started with them with a secured card and they raised my credit limit twice now.. Pleas if anyone can advise me a little more. I m willing as well to put my bmw title on the loan for response, the card is paid so i dont think i would have any problem.

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