getting a loan

getting a loan

Перевод "getting a loan" на русский

(2 примеров, содержащих перевод)

(2 примеров, содержащих перевод)

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Универсальный англо-русский словарь . Академик.ру . 2011 .

Смотреть что такое "get a loan" в других словарях:

loan — 01. I didn t have enough money to study, so I got a student [loan] from the government. 02. Many people believe that [loans] to the developing countries should be largely forgiven by the wealthy countries so that these countries can get out of… … Grammatical examples in English

get blood from a stone — to do something very difficult. Jesse tried to get a loan from her parents, but that s just trying to get blood from a stone … New idioms dictionary

loan approval — noun formal authorization to get a loan (usually from a bank) • Hypernyms: ↑authorization, ↑authorisation, ↑empowerment … Useful english dictionary

loan form — noun : a form borrowed by one language from another English their and get are loan forms from Old Norse compare loanword … Useful english dictionary

Loan origination — is the process by which a borrower applies for a new loan, and a lender processes that application. Origination generally includes all the steps from taking a loan application through disbursal of funds (or declining the application). Loan… … Wikipedia

Loan modification in the United States — Loan modification, the systematic alteration of contactual mortgage loan agreements, has been practiced in the United States since the 1930s. During the Great Depression loan modification programs took place at the state level in an effort to… … Wikipedia

get — 1 Get, obtain, procure, secure, acquire, gain, win are comparable and often interchangeable when they mean to come into possession of. Get is very general in its meaning and simple and familiar in its use. Thus, one may get something by fetching… … New Dictionary of Synonyms

Get Shorty — is a novel by American novelist Elmore Leonard, first published in 1990, and a movie adaptation of the same name, released in 1995.Plot summaryThe book s story centres around Chili Palmer, a small time shylock (or loanshark) based in Miami, who… … Wikipedia

loan-to-own — USA A strategy used by investors to take control of a distressed company, often through bankruptcy proceedings. The strategy involves investing in the distressed company s debt (which is typically secured (security) by the company s assets) to… … Law dictionary

loan shark — n someone who lends money at very high rates of ↑interest and will often use threats or violence to get the money back … Dictionary of contemporary English

Loan shark — A loan shark is a person or body that offers illegal unsecured loans at high interest rates to individuals, often backed by blackmail or threats of violence. They provide credit to those who are unwilling or unable to obtain it from more… … Wikipedia

For those who really have an outstanding payday debt, make sure your checking account balance is sufficient to insure the loan when it's due. It is not uncommon for a lender to set up the loan to be paid back from your own account via drafts. It is crucial to consider the period of time it takes a deposit deposit it early in the event you need to and to achieve your checking account.

Some people are simply planning to get them so there's no reason you must not get paid from the process that made you pay so much. The second thing I did is what really helped me which was to get a payday loan consolidation organization pay the payday loans back for me on my behalf and to take on my debt in a lower sum. It absolutely was one of the best choices I ever made and it absolutely was a way from the payday loan internet.

In fact, that has always been the situation. Borrowing and financing additionally bring about the increase of the market, so these only occur naturally. In case you want some advice on the best way to avail yourself a small loan to cover your emergencies, you need to first start by fixing your credit.

I've been caught in the payday loan otherwise known as payday advance web many times. Sometimes we are left by life's conditions very few selections and we decide to do that which we feel like we must do put food on the table and to buy petrol.

Getting a Loan with Bad Credit? It’s Possible. Here’s How.

Let’s face it: Nobody likes to be judged. But when it comes to loans, it’s going to happen. Creditors are going to look deep into your credit history and make a decision about whether or not to lend to you. Lenders need to determine how risky it would be to lend money to a borrower. And if you’ve got bad credit, you might expect to be shown the door right away.

But don’t panic! Even if you have bad credit, it’s still possible to get a loan. Here’s how.

Know Your Credit Score and Know What It Means

Lenders know your credit score, and you should too. When you’re applying for a loan, that three-digit FICO score is going to play a big role in whether or not you’re approved. If you don’t know your FICO score, there are plenty of ways you can find it. You can sign up for a company like CreditKarma.com; you can ask your bank if they provide free credit scores; you can even request one directly from FICO themselves—though they’ll make you pay for it.

So how can you find your credit score? And once you know it, how can you improve it? Check out the OppLoans ebook Credit Workbook: The OppLoans Guide to Understanding Your Credit, Credit Report and Credit Score to learn if you have bad, fair, or good credit—and then, what you can do about it!)

Once you know your credit score, you’ll know how a lender will “judge” you. Typically, they classify borrowers according to the following categories:

(You can read about the implications of your credit score here.)

When it comes to getting a personal loan, borrowers with a credit score above 720 typically pay an 11-percent interest rate. Those with subprime credit pay almost three times as much – 29 percent! For borrowers with a credit score below 550, many traditional lenders won’t offer a loan at all.

Sound Advice: Don’t despair! Borrowers with bad credit still have options like safe installment loans and certain “no credit check loans” (or “soft credit check loans”!)

If you happen to fall into the “poor credit” category, you’ll likely find your loan application has been turned down at the bank. However, you won’t have to look far to find people, both online and on the street, advertising “quick cash” for borrowers with bad credit. Many of these are payday loans, and they are dangerous.

Payday lenders will likely give you a loan, but they’ll make you pay for it. Literally. You can expect an APR of 350 percent or more. Rates that high are how payday loans trap low income borrowers in a cycle of predatory debt. [1] So if you’re thinking about taking out a payday loan, DON’T DO IT.

Worried you might be dealing with a predatory lender? Check out the warning signs in our ebook “How to Protect Yourself From Payday Loans & Predatory Lenders“.

If Your Credit Is Bad, Build It

Here’s the truth: Bad credit can mean that you’re going to have to pay more for a loan. It’s as simple as that. However, your credit score isn’t written in stone. If your credit is currently lower than you’d like, the best thing to do is build it up before taking out a loan.

We know, it sounds daunting. Also, it’s going to take a little bit of time. But don’t worry, you can do it by following these six steps.

Sound Advice: Stay below 30 percent of your credit card limit to boost your credit score.

Consider Personal Installment Lenders

Building credit sounds great, but sometimes emergencies happen and you need funds immediately. A payday loan might be tempting, but there are better options out there.

One place to look is with personal installment lenders. A personal installment loan can used to cover emergency expenses or to consolidate higher-interest debt. These lenders consider many factors when evaluating a loan application – not just your credit score –so you’ll probably have better luck with them. Also, not to toot our own horn, but OppLoans was recently rated the number one personal lender by LendingTree based on customer reviews. Toot toot!

Secured loans are a good way for borrowers with bad credit to boost their appeal when applying for a loan. With a secured loan, a borrower offers an asset – a home or car, for instance – as collateral. It makes lenders more likely to approve a loan because they know they can take possession of the asset to cover their losses if the loan is not repaid. Just make sure you avoid short-term, high-interest title loans! They are definitely not worth the risk.

Sound Advice – Be careful when choosing collateral for a secured loan. If you default on the loan, you will lose your collateral.

Credit unions are a good option for borrowers with bad credit. They’re like banks, but when you apply for a loan, they don’t evaluate you purely on your credit score. The trick, however, is that you have to be a member, so you have to convince them to grant you membership. They look at your financial health, but they also make a decision based on factors like where you live, where you work, or where you went to school. You can search for credit unions near you through mycreditunion.gov.

Sound Advice: Professional groups often form credit unions, so try to find one through your job.

Another option for borrowers with bad credit is to get a co-signer. With a co-signer, the interest rate for the loan will be calculated based on the credit rating of the person you sign with. So find someone with good credit who trusts you to repay the loan. But be careful. That person will be equally responsible for payment, so if you fall behind, they’ll suffer for it too.

Sound Advice: Cherish your co-signer. Payment information will be recorded to both of your credit reports.

At OppLoans, we believe that you deserve better than a payday loan. That’s why we offer personal installment loans with longer terms (6-36 months) and lower rates (up to 125 percent less) than your typical payday or title loan. Plus, our customers rate us an average of 4.8 out of 5 stars on LendingTree and Google.

Getting a Loan Can Be Easy….Even With Bad Credit!

3 Options for Getting a Loan with Bad Credit

Sometimes you just need help getting a loan to get you through some kind of temporary or emergency financial need. You could take out a large loan, but that would take years to pay off. You just need money for a few days, weeks, or maybe even for a few months. The point being, it is a short term loan and you intend to pay it back quickly. But what if you have bad credit? Will lenders still be willing to work with you on getting a loan? They may, but you’ll probably have to look into high risk loans, which are entirely different than conventional loans.

Here are some of your best options for getting a loan with bad credit.

Getting a Loan Option 1–A Pay Day Loan

This is the most obvious option for getting a loan if you have bad credit, and one that most people think of first when applying for funding of this nature. A pay day loan is one that is meant to be paid back within a week or so. Usually, you get the loan to cover you until your next pay day, and then pay it back when you get paid. It helps cover emergencies that come in between pay checks if you’re running a little short on funds. These are essentially no credit check personal loans, since your credit isn’t a factor in getting the money. The drawback is that the interest rate is very high on these high risk loans, and if you don’t pay it back on time, their collections departments can be relentless in pursuing you until you pay. But if you’re in a bind and really do have the money to pay them back in a timely fashion, a pay day loan can be a good option in getting a loan .

Getting a Loan Option 2–Credit Union or Bank Loans

You can sometimes get banks or credit unions to give loans for bad credit. It all depends on the bank or credit union, their credit requirements, and your history with them. These institutions are more likely to loan money to people with whom they have a relationship, so it helps to have an account at the institution you want to use. Credit unions can be even more flexible in their lending practices for their members, so you may want to join one if you know you’ll have a need for high risk loans coming up. Your credit will be checked, but the requirements for good credit are not as stringent in some places as they are in others. You may have to do a little shopping around to find the best bank loans for bad credit for you, but they’re there.

Getting a Loan Option 3–High Risk Mortgage

Yes, you can get a short term loan in the form of a high risk mortgage. This is usually called a hard money loan, and is particular to the mortgage industry. It’s a high risk mortgage because your credit isn’t usually a factor in getting the loan. The loan is based on the value of the property you intend to purchase. But these loans are meant to be paid back within a couple of months, or maybe a year at most. This makes them a short term loan option. You won’t get a high risk mortgage in the form of a 30 year loan. Investors use these loans a lot to fix up and flip properties, so if you’re doing that, then a hard money loan is a good choice for you. It’s also a good choice if you plan to refinance the house or property soon after buying it. You may be working on rebuilding your credit and are confident you can qualify for a regular mortgage soon after buying the property. If this is the case, then a high risk mortgage in the form of a hard money loan may be just what you need to get you into the house.

High risk loans abound, and many of them are no credit check personal loans or bank loans for bad credit. The one you choose depends on your needs. Just remember a short term loan has to be paid back more quickly than other loans, and keep that and the interest rate you’re paying in mind as you go about getting a loan.

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