Choice Loans

naaanda asked:


I would like to consolidate this debt i have of 13,000 since they are charging me 10% on apr. I was wondering if there is a better deal out there. My credit score is 740.
I have a credit union that offers 11% which is still too much.
I just want to consolidate this debt at a low apr.

Annette

cupcake asked:


Or would l have to pay cash or get a loan for it?
Anyone know for sure?

Darren

butterfly asked:


I don’t want to use any of the places that offer quick cash. I want a real personal loan that i can pay every month to build my credit.

Katherine

cupcake asked:


Or would l have to pay cash or get a loan for it?
Anyone know for sure?

Jesse

web_trace asked:


If the market is saturated with bankers willing to finance just about anyone, doesn’t that create more demand than supply and hence drive up the prices on nearly everything? If supply is more than demand, the opposite effect should apply as well. Would people be able to actually afford more if they weren’t suddenly empowered with financing?
I suppose one’s initial reply might be “Welcome to capitalism” but who really profits off this and are we willing to sacrifice our fellow humans to gain the world? People who finance everything certainly aren’t gaining anything, otherwise there’s no profit for the financier. And the people who can’t “afford” to finance are left out in the cold with cardboard signs. So why is this a success again?

Doesn’t success of a chain depend on it’s weakest link?

Douglas

wannabeguru31 asked:


What kinda of jobs are there for first year college students?
Could I get some sort of loan?
What else is there?
I have like noone to ask because I have no family and the isolation has made me feel left out the loop. I had alot of friends that allways got money from family and now I’m stuck living like I’m saveing big bucks but really depressed and geting nothing out of it. How can I get cash? city life sucks

David

Kaytee asked:


My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?

Bessie

swb76 asked:


So, for instance what are the number of people carrying 3 or more credit cards? what was their average transaction per month? what was their credit card balance?

George

cummin65 asked:


i am currently a student with various student loans, as well as a few thousand dollars in credit card loans. outside of my school, is there any way to get a student loan to cover my current credit card balance? my home institution won’t do it, but are there any private creditors that will?

Melissa

Lynn asked:


Is it possible to have a great credit score with loans only and no credit cards? I have bank loans for cars and personal loans but due to my inability to control spending on credit cards I don’t use them anymore. In fact, I am afraid of them…..Is not the choice to not use them good credit management?

Thank you, in advance, for your time and knowledge!
To Clarify:

I want my credit score to be no lower than the middle 700’s using only loans. Is this possible?
My last loan was for 11,000 and was paid off in full, with no late payments on 09/2006

Brett