how do banks assess a loan application that has been made online?
489009
They do it much the same way that it is done if you went to the bank in person, only, quicker and with some computer help to speed the process along.\n\nThe main decision making is the amount and do they have the money to lead for the reason requested.  Also, they do a look up of your Credit Report information to see what your Credit Score is and is that within the limits the bank sets for the loan amount requested.  For example, if you ask for a lot of money for a reasonable reason and you have a high Credit Score you are most likely going to get the amount you asked for a good interest rate. If you had a low Credit Score then you may be denied or offered a high interest rate to cover their risk or to discourage your loan with them.  \n\nThere are other factors such as location and job title, job length, etc.  And all these are important to, but the first paragraph lists the initial and often the main factors in the loan application.
923058
There lot of internal procedures involved even after u made the payment through online. The bank afterall looks for its own profits, so willl try as much to delay. but u hv a proof dat u made the payment four days back. so u can show dem da payment receipt proof which u ususally get after u made the payment online. \n\nit happened twice wid me that they charge me for late payment though both times it were they who at fault for the delay of procesing. but i had a proof of payment receipt. so i cud straighten the things up with them instantly.\n\nso make sure do keep all the receipts of payment with you. its quite essential especaily when u deal with banks or any such financial institutions. afterall, u're consumer and hv every right to fight for your needs,  your convenience & your choice of dealings.\n\nCheerz!!!
285412
It depends on if the loan processor has any hold-ups with outside forces (title companies, appraisers...). Also, if you need to provide any documentation, it's in your best intrerest (pardon the pun) to get that in A.S.A.P. I would expect anywhere from 15 - 45 days
233817
you might get approved through  a new lender
962034
never pay money to get a loan or credit card\nsounds like these online finance companies and they are a  scam \npeople on here are saying they don't even get their loan
769056
Ask your bank where you can get it appraised.
1185187
Depends on which payday company your talking about.  Some companies want the original statement from the bank, while others will accept one from the internet.  Let me know what company and  I can tell you.  In Dallas, TX, all you need is your most recent check stub, a bill as proof of residence(light , water or gas), phone bill, and your most  recent bank statement.
634284
From my professional experience there is not really a "best rate". Most of the brokers and loan officers shop the same banks, just happens in some cases that one of them might get a better deal out there. Maybe he or she has a better pricing from bank..etc.. What I am trying to say is that by submitting applications online will couse your credit score to decline if each loan officer will pull your credit. I would suggest looking up lenders in your area rather than having your personal information scatterd all over the web. Each loan situation is different and I would suggest working with one loan officer in your area.
156785
What are you signing on to?  I am guessing an online banking site from your lender.  Everyone is different.  Some let you sign up online, others want to mail you the password and logon.  Best check with them first.
85334
You first need an open account in your name to be eligible to access it online...\nThen the bank gives you the info so you can see the account online...
1121348
US Bank has a page with the addresses of their loan officers.\nhttp://mtg.usbank.com/cgi_mtg/cfm/index.cfm
842512
Most of us live with the idea that the past repeats itself.  \n\nThey are checking:\n\n1)  Did you lie on your application about your past salary?\n2)  Have you been in the same line of work for the last two years?\n3)  Does it show your salary has been going up?\n4)  Have you filed taxes for the last two years (otherwise the IRS could put a lien against your house once you have one)\n\nIt goes on and on, but the rest are just variations of the four above.\n\nContrary to the guy above me, it is almost ALWAYS REQUIRED UNLESS you are going with a stated income loan.
72204
Call the bank that it's drawn on. They will tell you.\n\nIs someone scamming you?
169834
Ask your tax preparer, or if you did it yourself as an e-file, log in and check the status.
735325
if you call back the bank where you have your loan, they'll tell you what your total balance due is, including the interest
198908
Under the new provisions of the Fair and Accurate Credit Transactions Act (FACT Act), if you apply for credit (car loan, HELOC, mortgage) the lender must provide you with either a Credit Score Disclosure or a Notice to Home Loan Applicant (for mortgages and lines of credit).\n\nThis disclosure states that in connection with your credit application, the lender or broker must provide you the score that was reported by credit bureaus as well as the factors that affected your credit score.\n\nBut, if you're just walking into a bank and asking for a credit score? Forget about it.  That won't happen.  Most if not all banks aren't going to spend the money on a credit report and credit score if you're not applying for a loan.  What's in it for them?\n\nAnd it doesn't make sense to apply for credit just so you can get your credit score because each time you apply for credit, your credit score will be adversely affected.\n\nAlso, keep in mind, different lenders use different credit scoring systems.  Fair Isaac (FICO) is only one.  There is also Empirica and Beacon scores.  So depending on which model(s) your lender uses, your score will vary.
490322
NO Never give your information out online.  VISA or any other financial institution does not work that way.