I have a credit card with a $15,000 limit. The intrest 9.4% fixed. To me this is a good interest rate. I don't expext it to be as low as my car loan of 4.9%. However, I am not sure. Please help me.
125479
That is a good rate, but be sure to read the fine print...they can often increase the interest rate if you are late, don't pay a certain amount each month, or after a certain period of time.  It is better to pay it off each month if you can...then you are paying 0% interest...can;t get better than that!
645486
milind_ , \n\nWill you make no payments on the $1,000 loan value(principal and interest) until the 20 years is up? And when you say the interest is 20% reducing, how exactly does interest rate decline/change during that period? If I know that then I can give you the answer. Cheers
388735
Im sure you know that the refinance percentage is based off of your credit history/score. I would recommend to wait at least 12 months. Any inquiry on your credit will last for 2 years, so you dont want to run the risk of having them run your credit at the 6 month mark and them not approving it because you dont have an adequate length pay history. If they did deny it, then you would have to run it again at the year point. Also, by waiting at least 12 months, you are showing the credit union (or bank) that you have made 1 years worth of monthly ontime payments. Hope this helped!
536278
Sure.  Depending on what you need it for and your actual credit you will probably pay a high interest rate though.  Check the links here for some help.
114968
Paying $995 a month for 8 months is only about 14.3% interest. I doubt you will find a loan for less than that with bad credit. Since it is your son's education your going to have to pay high interest over a long period of time. Ask your son to pick up a little slack and get a part-time job. Good luck with your future.
16500
You have a good score. I would say apply for the loan, and transfer the balances to a credit card offering a (0% apr) -- citibank offers 0% introductory apr's for 1 year --- with no transaction charges.\n\nAnother thing to remember is that its not just enough to have a good score. lenders also look at what your largest loan was -- A history of taking and repaying large loans helps improve your credit also. I was rejected by Honda car financing when I applied for a $13,000 loan eventhough My score was 750+. They said that my largest loan was $2000, so they didnt think I was a good risk becasue I did not have any history with larger loans.
89633
If your loan is only at 6% then you are doing REAL well.  That is a really terrific rate.  Dont go to those websites.  They just suck you dry and distribute money where THEY want to and its not always where it needs to be at, at the right time.  If you want to get your finances together just go to http://www.consumercreditcounceling.com and they will be able to help you a lot better.  Good luck.
512784
bascially card companies will start you with the highest interest rate they can depending on the card 17-18% dept store cards are up to 30% so be wary of those! Then its a per annum rate divided monthly based on the amount of credit you owe ( how much youve charged to your card) Not sure how long you've had this card but if you are good at paying your monthly amounts usually its 3% of the total amount owing you can get the overall interest rate dropped some to half the amount so be good to your card and don't accept the high rates just call them up tell them you have been offered another card with a lower rate and your thinking of doing a balance transfer why pay more them than you have to!
300644
Regarding those two low interest CC's, are those interest rates fixed for the whole term or do they expire on a date.  Read the fine print, I think you will see they expire from 6-12 months after you made the transfer.\n\nNow, if those interest rates are fixed, why would you trade those in for a higher interest rate?  Even the benefit of a tax write off doesn't justify it.  If your only reason for doing it is fear of a late payment triggering the penalty...then get diciplined!  Make sure the payments are sent!\n\nRegarding the other cards....\n\nLet me say that I'm in favor of balance transfers and debt consolidation.  BUT....the danger is that when you do it, you must dicipline yourself on your budget.  \n\nOver the past two years, thousands of people fell into the trap of consolidation. Then they turned around and ran up their credit cards again.  Now they have twice the debt!  It ended up with them filing for bankruptcy.\n\nIt sounds from the way you are talking that you are on that path.  So take my advice.  If you consolidate, cancel all your paid off cards and budget yourself!  Otherwise you will lose your Coop.  \n\nDon't play the balance transfer game!  It's going to ruin you.
55856
I don't know I used bar none and it worked out pretty good 7 percent interest rate on below average credit. Also the person the told me to call got 4 percent and he's only 19 years old
97911
When I check someone's credit I take the amount of payments there are ( on a credit card this is one payment a month until the experation date) divided by how many payments made, minus late payments. So they are both right. If you pay it all off, at least keep the card active so that the amount of payments stays there. If you just pay off a big chunk that's okay too, but of course there will be interest accrued giving you more payments to make, and if made on time a better credit score.
622266
Yes.  If you own the vehicle and it is worth at least that amount.  I've done it before.  It's not a bad way to reduce your interest rates.  Just pay it off quickly and don't get upside down.  I've had car loans were I only made minimum payments and then realized after a few years that I owed more than it was worth.  I now pay as much as I can as fast as I can.  I'm a year ahead on this loan.\nGo to the local bank you have checking and savings with.
153757
My bank is offering me this "Credit Builder Loan".  Basically, they are puting 500.00 into my savings acount, and I can't touch it.  I will be making monthly payments on it (including interest) for 6 months to a year, and then I will "own" the money.  So all I loose is the interest... much better option than those credit cards that charge up front and end up with you being in the hole or with 0 credit and they took 300.00 or more in fees before you even started.
659449
Always Always Always pay more maybe 1 1/2 times or double. If you just pay the minimum about 60-80% of that is interest and doesn't even make a dent in the balance. \n\nCreditors (Mortgage/Car Companies/Other Credit Cards, etc.) look at your balance compared to your available credit. It's a good rule of thumb to have your balance under 1/2 of what your limit might be. For example if you have a $5,000 limit don't have more than $2,500 charged on the card at any one time. And of course less is better.\n\nThis really really helps your FICO score.
400168
Scores range from 300 to 850.  The higher the score, the more you can borrow and at a lower rate.  The site below says the US average is 723 so you will pay a higher interest rate than the average person.\nSo, pay your bills on time and don't have to many open credit cards - they'll kill you.\n-MM
179657
If the loan is only $45000 and you want the payments under $600, first I would want to know if the taxes and insurance are included in your $600 payment.  Otherwise, it depends on you.  A 45,000 loan for 30 years at 15.8% is only $597.89 monthly.  That is a really high rate by today's standards.  A 12% rate, not bad for owner financing, is $462.88 monthly over 30 years.\n13.0% = $497.79\n12.5% = $480.27\n12.0% = $462.88\n11.5% = $445.63\n11.0% = $428.55\n10.5% = $411.63\n10.0% = $394.91\nHope this helps...
422507
A good interest rate is 4.9% or better.  Whether or not they will give it to you with 670 is another question.  You might want to try and get a pre-approved loan from a lender like Capital One or something first, then you can go shopping with a blank check.  Dealer financing is usually more expensive.  I would guess that you'll land financing around 15% from the dealer.