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5 Tips for Getting Personal Loans With Bad Credit

[…]process allows you to do this without hurting your credit since you’re not submitting a full application. In most cases, prequalification comes with a “soft pull” that won’t hurt your scores. Most lenders only do a “hard pull” when you actually apply for a loan. A hard credit pull can temporarily lower your score, so consider getting prequalified first. Check with several lenders to find out which ones will allow you to prequalify. Next, look at several different options together to determine which lender you want to apply with. This is also a good time to compare fees and extra […]
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Understanding the Different Types of Personal Auto Loans

[…]and the dealer. You’ll apply through the dealer’s finance office which might shop your application among several different lenders. You can also get financing through the actual auto manufacturer, like Ford or Toyota to get lower incentive-based rates. It’s important to note that indirect financing might not secure you the best rate. Some car dealers increase the borrower’s APR and keep the difference for themselves. Title Loans The term title loan refers to a loan that is secured by your vehicle title so you can get cash in hand. Take note that most car title loans come with extremely high-interest […]
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How to Choose a Payment Processing System for Your Business

[…]Services with Low Rates Fast, hassle-free merchant services with low rates, no commitments, and no application or termination fees. Request A Merchant Account About 20% of new companies fail before they have the chance to get off the ground. One of the main reasons why is that business owners can’t stay on top of their cash flow. The best way to keep money coming through the door is to accept multiple payment options. That’s where the payment processing system comes into play. These pieces of machinery allow companies to accept debit card, credit card, and ACH payments from consumers. Depending […]
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The Pros and Cons of a Cash Advance Loan

[…]If you need cash fast, have a poor credit score, or don’t want to go through a standard loan application, a cash advance is a great solution. First Financial offers cash advance loans to anyone that meets our basic requirements. You can apply for up to $5,000 and may be able to access the loan within 24 hours of your application. There’s no credit check—you just need to give us some basic details and we’ll be able to transfer the loan to your bank account. Take a look at our Cash Advance page to see more details […]

What Defines a High-Risk Merchant?

[…]It’s important to understand their fees before you partner with a payment processor. Lengthy Application Process A payment processor or bank might ask for additional information when you apply for an account. They’ll want to use this data to look at your past finances. The bank might be analyzing your risk profile. Other details they might want to review include: Partnerships Personal credit history Your business’s payment processing history Be as transparent as possible with the company. Show how much money you have moving through your business. Good cash flow can improve your approval chances. Cash Reserve Conditions Another thing […]

Buying Smart: Easy Finance Hacks for Homebuyers

[…]Make sure, however, that you do not enter into a second job too close to the date of your application, as this may be considered a risk to your monthly mortgage payments. Credit Score Tune-Up If you want to secure the best rate possible, it’s important to enter into the process with a good credit score – this can save you thousands of dollars over the lifetime of your loan. In the lead-up to your application, you can boost your score by paying down debts, increasing your credit limits, disputing errors, and more. For most of us, buying a house […]
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What Are High Risk Merchant Services?

[…]is viable enough to justify providing such services. Therefore, if you sell a niche product, your application for such services might be denied. Effectively, the service provider considers your business venture to be “high risk”. In other words, they’re not confident that your business is going to make enough money through their services in order to justify them giving them to you. This is where high risk merchant services come into play. These services are available to essentially anyone, regardless of credit score, products sold, or otherwise. They ensure that you’re able to make card transactions, and thereby help to […]

What Happens if You Don’t Pay Back a Loan?

[…]loans come with the highest interest rates around. But they can help you in a flash since the application process, approval, and loan disbursement all happen within 24 hours. Consolidate Your Debt Debt consolidation is when you combine all your debt into one loan, usually a personal one. Not only does this cut down on stress since you only have 1 monthly payment as opposed to multiple, but it also cuts down costs. When you transfer all debts to one loan, you typically end up with an overall lower interest rate to pay. Do note that while this doesn’t eliminate your debt, […]

What Are Payday Loans?

[…]And once you find one you like, you can apply for online payday loans right on your computer. The Application Process Is Fast The application isn’t long and complicated, so you don’t need to spend much time filling it out. More importantly, it won’t take long for the lender to get back to you. In most cases, you’ll usually hear back faster than traditional loans. With traditional loans, it can take several days to weeks for lenders to give you a decision. You’ll Get Money Fast Too Not only will you receive quick responsives from lenders, but you can also get […]

The Pros and Cons of Cash Advance Loans Online

[…]all your information, such as your pay stub, photo id, and banking information, you can start the application process. You can quickly find lenders who provide cash advance loans online by searching for reputable companies that provide this service. Most applications take less than 30 minutes, and approval happens in seconds. Unlike traditional funding, lenders don’t pull your credit report to process the loan. If you have poor credit or no credit, this makes online cash advances loans an attractive option. Take an auto loan or mortgage, for example. The lender can seize your property if you cannot pay. That is not […]
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The Complete Guide to Choosing Auto Loan Providers: Everything to Know

[…]found a vehicle you’re interested in, you’ll still need to go through the formal loan application process. What Is the Average Term For an Auto Loan? The average term for an auto loan is around 60 months. However, this timeline can vary depending on the lender you’re working with. Some lenders may offer loans with terms as short as 24 months, while others may extend the term up to 84 months. How Much Should My Down Payment Be? The size of your down payment will vary depending on the amount you’re looking to borrow and the terms of your loan. […]
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Common Personal Loan Application Mistakes and How to Avoid Them

[…]the money in your account, and make sure you have a backup plan for what you’ll do if your application isn’t approved. Avoid These Personal Loan Application Mistakes A personal loan can be a powerful tool for financing important things in your life, but it can also be very expensive and complicated. Be sure to avoid making these personal loan application mistakes to keep the process as smooth and cost-effective as possible. If you’re in need of a personal loan fast, we can help. See what you’re qualified […]
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Frequently Asked Questions – Personal Loans

[…]the U.S.—ensures you’ll get a response within minutes. The eager lenders in our network watch applications come in in real time and strive to beat each other to reach you. Looking for a Personal Loan? How will I know if a lender decides to work with me? Lenders vary in the types of borrowers they seek. Some specialize in low loan amounts, others in borrowers who are U.S. veterans or military. Still more have created ideal personal loans for bad credit applicants. With your application submitted, lenders will review your situation to determine if you fit the profile they seek. […]

Frequently Asked Questions – Credit Cards

[…]for approval. How long does it take to get approved for a credit card? Complete our easy online application and get a response in as little as 5 minutes. Its smart to get your credit card questions answered before applying for a credit card. How do I apply for a credit card? https://www.firstfinancial.com/credit-cards/ Does a credit card from First Financial report to the credit agencies? Yes. What happens if I lose my card? Call Visa Global Customer Assistance Services toll-free within the United States at: 1-800-847-2911 What are your rates, fees, costs and limitations? Rates, Fees, Costs & Limitations. Credit […]

Frequently Asked Questions – Auto Loans

[…]will need at least $1500 per month in income. What is a good credit score? How does your auto loan application work? After you complete the application a representative will contact you within 24 to 48 hours.  They will discuss with you if they need any additional information to approve your loan. How do I know that First Financial is a real company? First Financial has an A+ rating from the Better Business Bureau. We have been in business for over 20 years. How do I check status on my auto loan application? Already applied? Click here to check the status of […]

Security

[…]your saved links *“Trojan horse” – A destructive program that masquerades as a benign application. Unlike viruses, Trojan horses do not replicate themselves but they can be just as destructive. One of the most dangerous types of a Trojan horse is a program that claims to rid your computer of viruses but instead introduces viruses onto your computer. **“Spam” – Unsolicited “junk” email sent to large numbers of people to promote products or services Questions? Call 1 (800) 315-7791 or contact the Help Desk Report a crime: FBI – https://www.ic3.gov / Federal Trade Commission […]

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