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5 Tips for Getting Personal Loans With Bad Credit

[…]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 charges before you actually apply. The option to prequalify allows you to shop around without your credit score taking a hit. Most lenders will let you finish the application process online, and it usually only takes a few minutes to complete. Finding Personal Loans With Bad Credit Remember these tips to help you determine which personal loans with bad credit will work for you. From checking your score to getting a co-signer, […]
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Understanding the Different Types of Personal Auto Loans

[…]typically based on your credit rating and history. In this case, it’s recommended that you apply with the lender directly, secure your own financing, and then visit a dealership. Indirect financing is usually arranged between you 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 […]
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A Guide to the Different Types of Credit Cards

[…]need access to credit quickly. These cards provide an immediate decision, often within minutes of applying. Approved applicants receive a temporary card number for immediate use while waiting for the physical card to arrive. Remember that instant approval cards may come with higher interest rates and fees. So it’s essential to read the terms and conditions carefully before applying. Store Credit Card Store credit cards are designed for loyal customers of specific retailers. These cards offer rewards, discounts, and exclusive offers for shopping at the affiliated store. Some store cards also provide special financing options for larger purchases. These cards […]
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The Pros and Cons of a Cash Advance Loan

[…]There’s no credit score requirement, so you just need to give us these details when you apply and we can get to work on sending you your loan. Can Get You Out of a Jam Some people apply for cash advance loans for things like holidays or cars so they can quickly get the money they need. Another reason, however, is for something unexpected. If you suddenly have issues with your car, or an appliance in your home breaks, for example, you might not have the cash on hand to deal with things. You can take out a cash advance […]

What Defines a High-Risk Merchant?

[…]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 to consider is that the payment processor might keep a reserve of a certain […]

How to Effectively Shop Around for the Best Payday Loan Interest Rates

[…]online, as many of them are just a Google search away. And you can go on their websites and apply in a matter of minutes for a loan without worrying too much about fees or other issues. Read the Fine Print Carefully No one ever reads the fine print or the terms or conditions included within contracts, right? Well, that might be true if you buy a $400 camera or a $1000 bicycle. But when it comes to getting payday loans, reading the fine print is crucial. Don’t be caught unawares later because you didn’t read all the loan terms […]
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Is Taking Out a Personal Loan a Good Idea?

[…]one loan You only have to make one monthly payment going forward These last two advantages only apply if you use your personal loan to pay off all your credit cards. We don’t recommend taking out a loan to pay off one credit card if you carry debt on multiple lines of credit. The Disadvantages of Using Loans for Debt from Credit Cards Of course, all these benefits can not come without some drawbacks. The following disadvantages of personal loans could make this option less attractive for certain borrowers: You may pay higher fees on personal loans You may not […]

What Is APR?

[…]to pay interest on the purchase until the promotional period expires. Penalty APR Penalty APRs can apply to both loans and credit cards. This APR is typically higher than your regular interest rate and fees. You may have to pay this higher rate if you are delinquent for more than 60 days. Variable and Fixed APR Variable and fixed APR typically applies to loan rates. A fixed APR loan has an interest rate that does not change over time. Variable APR loans have interest rates that do change throughout your loan term. The APR on a variable-rate loan depends on […]

What is Bitcoin Tax-Loss Harvesting?

[…]if your capital gains exceed your capital losses, this might be the perfect opportunity for you to apply this strategy. However, many people who use strategies like this use them at the end of the tax year. After all, if you wait until the tax year has ended to sell some of your investments at a loss, then you cannot use those capital losses to offset your capital gains from the previous tax year. There is another situation in which it may make sense to employ this strategy. If there is a large dip in the value of cryptocurrency, then […]

Side Gig: The Essential Guide

[…]companies and look for job openings that match your skills and interests. Don’t be afraid to apply for jobs slightly out of your comfort zone – you never know what you might end up loving. The most important thing is to stay positive and keep exploring until you find your perfect career. Ready to get started on making that moola with a side gig? Whether you’ve been laid off or just looking to supplement your income, remember that there are so many options out there! No matter your skill, experience, or preference, you’re sure to find the work you are […]

What Are Payday Loans?

[…]of payday loans are. Here are some of the main pros. You Can Apply in Person or Online You can apply for payday loans at a brick-and-mortar lender. But if you don’t want to leave the comfort of your house, this is possible too. There are lots of online lenders you can browse without wasting time or gas. 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 […]

Financial Strategies to Help Young Veterans

[…]many kinds of benefits and discounts available to former military members. For example, you can apply for GI Bill benefits if you decide to apply for graduate school or college. You can also take advantage of military discounts offered by various San Diego or online stores, helping you save a significant amount of money. Take Command of Your Financial Life You don’t have to face financial constraints as a new veteran transitioning to civilian life. Use the above tips, and if you decide to go back to school or start your small business, contact First Financial® in San Diego, CA, […]

The Pros and Cons of Cash Advance Loans Online

[…]with some lenders providing funding in a few hours. Since cash advance loans online are easy to apply for, they give you access to the money much faster than a personal loan from a bank. Once you have 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 […]
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The Complete Guide to Choosing Auto Loan Providers: Everything to Know

[…]safe driving habits and using a reliable vehicle. More often than not, buyers find themselves applying for auto loans so they can afford the car that’s right for them. Choosing auto loan providers, though, isn’t always as easy as it seems. We’ve put together a brief guide that details how you can narrow down your potential loan provider options. Let’s dive in. Check Out Their Online Reviews You’ll want to make sure that you’re reading online reviews as possible. This includes scouring through the provider’s website, social media platforms, and any other independent review sites. You should also check out […]
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Common Personal Loan Application Mistakes and How to Avoid Them

[…]is illegal and can come with massive consequences including fines, being barred from ever applying for a loan again, and even jail time. There are lenders out there that will work with people with poor credit, low income, or other financial issues. Just be honest. Not Having a Budget One of the first things you should do when considering applying for a personal loan is create a budget so you know exactly how much loan you can afford. If you jump into a loan without considering whether you can really afford it then it can put a great financial strain on you […]
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Frequently Asked Questions – Personal Loans

[…]will have to combine them to qualify. You can also ask the lender representative the best way to apply. They have dedicated customer service that can answer this question and apprise you on any other lender requirement. Will pension, social security, disability, and other benefits qualify as income? Yes. Many lenders accept these benefits as income. If you bring in $800 a month and meet other lender requirements, you may qualify. Keep in mind that each lender has its own specific conditions. Make sure you understand each one before finalizing your personal loan. I haven’t gotten an email about my […]

Frequently Asked Questions – Merchant Services

[…]Services Questions Review these common answers as you evaluate your merchant services questions. Apply for the Right Merchant Services Account the First Time GET STARTED Our customer service representatives are happy to answer your specific questions any time. so all us at 1-800-315-7791 to connect with a knowledgeable representative. Merchant Services What is a merchant services provider?  A merchant services provider makes sure the funds a business customer authorizes to transfer to the business gets to the business account in a matter of days. The authorization takes place when the customer uses a debit, credit or gift card and these […]
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Frequently Asked Questions – Credit Cards

[…]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 Card Payoff Calculator If your Credit Card question is not answered please submit it to our Help Desk. [gravityform id=”16″ title=”true” […]

Frequently Asked Questions – Auto Loans

Frequently Asked Questions – Auto Loans Get your frequently asked auto loan questions here. Apply for the Right Auto Loan the First Time GET STARTED What do I need to qualify for an auto loan? Basic auto loan lender qualifications: It is required that you have at least $1,500 of gross monthly income for credit scores less than 625. All Bankruptcies must be discharged. Have no repossessions in the last year unless included in your bankruptcy. The loans are for automobile purchases from our authorized licensed car dealership partners. All US residents must be at least eighteen years of age. […]

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©1996-2023 First Financial®, All Rights Reserved. All other products and company names are trademarks of their respective companies. First Financial® does not provide any investment, financial, tax, legal or other professional advice. We recommend that you consult with financial and tax advisors to understand the risks and consequences of buying, selling and holding Bitcoin.*Not all lenders can provide up to $5,000. Must be 18 or over, outside of New York, South Dakota and Hawaii to sign up for a Bitcoin Savings Account.