How do you get a loan at 0% intrest from credit cards?
965925
yes, many stores offer this, but the catch is that at the end of the term, the interest is figured from the date you incurred the debt, and at a very high rate
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
310560
That's something you have to ask your credit card company.  When you make payment, try to pay at least $5 more than the minimum due.  It will help you a bit.
333654
you can't get a loan. With little or no credit you'll have to work on your credit first. Working is a way. Don't apply for too many cards, store credit cards, credit cards such as visa.  If your cool with your parents, maybe have them co-sign or have them put you on one of their cards to help with your credit. But it takes up to 2 years to establish good credit. Trust me I know.!! : )
485971
If your credit is in good standing,you probably get offers in the mail for o% for 6 months to a year for transfers.Transfer your balances to them.Some cards limit the amount you can transfer,so you may have to open a few new accounts.You can also call your credit card company and ask for a lower rate.If you are a good customer,they will help you.I am paying off a new roof,and I got 0% for a year.it's a great help not having to pay any interest.When the year is up,and my balance is not paid up,I will look for another company offering a 0%.Get the point? Good luck.
81436
approach your bank...knowadays some banks even have loans that dont require collateral... this is coz of the stiff competition in banks....
1110162
Don't do it from a store, they will rip you off with probably 10-20%.  You should just take out a personal loan from a bank or credit union.  Depending on whether it's a secured or unsecured loan it should be around 8-11% I'd believe.  You could also take out a home equity loan if you have a home.\n\nMy credit union has secured for 9.99% and various rates around 10.5% for unsecured.
743980
It's about average for average credit. Origination can go from 0% to 10%, depending on credit.
635363
Tink, you might have to put your Roo's, Wallaby's and B-Rangs up as collateral too, so be prepared with all the paperwork before you venture to your villiage's banking hut.\n\n;-)   Ha, got ya again !\n\nSeriously, you might start on-line searching, but I would seriously only do that for general information.  The first step that you should take would be to get a copy of your most recent credit reports ... I'm not sure about what organizations to contact on the "Big Isle", but your local bank can help you there.  Here in the 1st world (got ya again), we have three major credit bureau's and we can get one free credit report per year.\n\nThe point is, that if you have something bad or old on there that shouldn't be, you'll want to get that cleaned up first, or at least initiate the request to get it cleaned up (have the paperwork with you).  The credit score will be hugely important in what interest you pay for a debt-consolodation loan.\n\nThere are a number of non-profit debt organizations here in the states ... there are also a number of "Paid intermediaries" ... there is a big difference.  If they have a website and it's www.SOMETHING.org, it's a non-profit.  Stick with them.  They will be able to not only help you locate a reputable lender with a decent rate, but can also help you work out other arrangements with credit card companies, etc.\n\nCredit companies are actually very willing to reduce the interest rate on your balance if you go through such a place.  By doing so, you are demonstrating that you are interested in paying things off and very often, you'll set up an automatic payment plan directly from your bank account ... the amount of the payments will be collaborated with you, the organization helping you and them.\n\nPut it this way ... the interest rates you pay are based on the costs of funds (i.e. the market interest rate) plus a risk premium.  In such a case as this, you've significantly reduced their risk of default by setting up automatic payments and have demonstrated a willingness to repay so that's where the rate reduction comes from.\n\nIt's sort of common sense to pay off the highest interest cards first (remember that you should pay the minimums on all of them to avoid racking up late fees and damaging your credit), however, that may not really be THE ONLY best solution for some folks.  Assume that you 5 bills with balances of $5,000 / $600 / $200 / $150 / $125 ... rather than paying the mininum on all of them and then taking the "left over" available cash and dumping it all onto the highest rate one, consider an alternative:  Pay the minimums and then take what you can afford to thow elsewhere and put it on the one with the smallest balance.\n\nThis way, in a month or two, you'll only have four bills.  Then three bills, then two bills, etc.  In reality, for most people, it's easier to manage that way for several reasons.  1)  You have very tangible proof that you're making progress that you can sink your crooked teeth (got you again) into ... there's a sort of satisfaction there, "Finally, got rid of that one!" ... You attention get's more and more focused on just the one or two left ... 2)  You'll have time to establish regular payments on the big ones as well so your credit report will reflect this as well as the number of open accounts decreasing.\n\nAfter you've paid one off, CLOSE IT !!!! The number of open accounts affects your score even if there is no balance on them.  This will positively affect your credit score much more than uniformly decreasing the balance on all of them (people don't know this)\n\nSo:  Step 1:  Find out how you can get a copy of your credit report(s) and get them.  Do this first as it will take some time for them to arrive to you.   2:  Do some research to find a non-profit debt consolodation organization in your area and talk to a few of them.  3:
174671
Try www.prosper.com\n\nThis is the new p2p lending/borrowing without the middle men. (Similar to Zopa in U.K.) This works like ebay. You list a loan for $X (you can borrow up to $25,0000) at r% or less. The lenders would bid for your loan. As a borrower you are the "seller" and the lenders who bid on your loans are the "buyers." Unlike in ebay there will be multiple lenders giving you partial sums. Prosper takes 1% service fee upfront from you and distribute your monthly payments to the lenders. You personally won't have to deal with the lenders and you can remain anonymous.\n\nYour chances of getting a better rate on the loan is higher if you have good credit. Propser does the usual credit check when you sign up as a borrower and rates you as AA, A, B, C, D, E, HR(high risk), or NC (no credit).
403842
Apply for a credit card. \n\nIf you get one, great. If you are declined, you may be able to obtain one by putting money down, usually about $100 or so. This is known as "securing" the credit card. You'll have a low credit limit.\n\nOnce you begin to charge purchases, make sure you can pay the balance in full since interest rates can be quite high. It's much easier if you don't use the card much each month! Your credit will improve the longer you keep your account open and pay at least the minimum each month.\n\nHope that helps :)\n\nAlso, obtain copies of your credit reports from each of the three credit bureaus. They're free once per year. Go to http://www.freecreditreport.com/
974220
Try a local credit union or bank.  Open an account with them and stay in good standing for a time.  Then get a credit card with them.  The interest rate will be much lower and there are usually no application fees, etc. that other companies try to rip you off with.\n\nI gave this advice to my daughter who had no credit rating yet.  She has a card from her own credit union now and is not being ripped off. \n\nBest Wishes,\nSue
344259
I just got this loan application form, but know nothing about them, so check it out\n\nNorthstar Systems\n162-01 Northern Blvd., #199Flushing, NY 11358\nPre-Approval Loan Application\nFast Approvals on All Types of Loans-Guaranteed!\n\n\nNeed a Cash Loan for Personal or Business use, or a Debt Consolidation Loan to consolidate all your bills? We can assist you immediately.\n\nOur service offers:\n·Unsecured Personal Loans from $500-$10,000.00 (Bad Credit Accepted)\n·Debt Consolidation Loans up to $50,000.00\n·Military Loans and Federal Employee Loans\n·Business or Business Start-Up Loans (no limit)\n\nWe accept BAD, FAIR or NO credit applicants. Of course good credit is always welcome! No Homeownership Required! Loans amounts from $500-$250,000 available.\n\nWith over 12 years experience, our Nationwide Loan Service has helped thousands of people get the money they need, when they could not get a loan from any other source. Regardless of past credit history you can get the money you need, and re-establish your credit today!\n\nNorthstar Systems is a company dedicated to excellence, offering our customers prompt individualized service which is fully guaranteed.\n\nThe majority of applicants who apply are approved for the money they need. Of course, your are under no obligation to accept the loan even after you are approved. Interest rates are low, with flexible payment options to fit your needs.\n\nEven if you have been previously turned down, filed bankruptcy, have bad credit or good credit, we can help you get the money you need today!\n\nPlease complete the short Loan Service Application. Return it along with your one time $35.00 application Fee. Instruction on next page.\n\nWe believe in putting our money where our mouth is! In other words. If we do not successfully assist you in securing your loan, you owe us nothing. Your service fee is 100% refundable if you do not receive your loan.\n\nThe entire process takes 7-10 business days from the time we receive your Loan Service Application. You are under no obligation to accept the loan or loan amount offered once you are approved. You decide!\n\nOur service is 100% GUARANTEED\nIf your loan request is declined for any reason your service charge is refunded.\n\n\n\nHere's the actual form:\nThe formatting is probably screwed up in this narrow space, but you should be able to see what is required.\n\n\nLOAN SERVICE APPLICATION FORM\n(Please Print)Date\n\nTell Us What Type of Loan You Need. Check One or All. We ask for general information only, we do not run a credit check!\nPersonal Unsecured LoanBusiness or Start-Up Business Loan\nDebt Consolidation LoanDebt Consolidation Program\nMilitary Loan-Federal LoanStudent LoanAuto Loan\n\nAmount of Loan Needed?How did you hear about us? \nApplicant Name \nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nMortgage'\nRent OtherTime at Current Residence\nEmployer's NamePosition\nLength of Employment Monthly Income Other Income\n\nCo-Applicant Name (If Applicable)\nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nEmployer's NamePosition\nI understand that all information given in this service application to Northstar Systems is held in strict confidence and is for general information only.\nWe Guarantee a Refund if for any reason your loan request is denied! 100% Guaranteed!\nThe company guarantees the client will be approved for the loan request or the service fee will be refunded. The company will assist the client for 60 days to secure a loan or financially related service. Client will pay service fee of $35.00 for processing loan information. Client will apply to referrals provided. Client must show applications were submitted and were declined by three lenders to be eligible for a full refund. promotional offers can be cancelled without advanced notice.\nLength of EmploymentMonthly Income\nOther Income\nApplicant Signature \nCo-Applicant Signature (if applicable)\nP
698512
Credit card companies make money by charging interest on balances.  Assuming your credit score is good any credit card company would be happy to transfer those balances to one of their cards.  If you have a credit score of say 700+ you can get 0% for 6 months or a year OR 2.9% for the life of the balance transfer.  The catch is that in either scenario you don't want to charge anything on that card, because if you do you have to eat through the entire (low interest rate) cc balance before you can get to the real balance.  Check Bankrate.com for a list of credit cards.
890200
0% is exactly right.  You pay zero percent interest.  However there is always a catch.  If you miss a payment, all interest becomes retro active and suddenly you have interest up the waa zoo.  Also the interest rate is killer high.  I've seen over 24%.   If you don't pay it off in a certain period of time all interest becomes retro active and your in the same boat as above.  Read the fine print very carefully.  There is a catch in there some where.  Its a numbers game to them just like life insurance.  Most insurace companies will tell you at the begining of the year exactly how much they will pay in benifits, what they can't tell you is who it will be paid too.  Most people who write a loan know exactly how much money will be made in late fees.  What they can't tell you is exactly who will pay it.  If they write enough loans, they will make a fortune in late fees and interest.  So all they need to do is start writing zero percent loans to get a succor in the door (thats you by the way) who will say Oh look zero percent.  But in the course of the loan, you will screw up some where along the way and boom they have you.  Your odds of escaping with zero percent all the way to the end of the loan is only about 5%.  Every one is late once.  Or fails to pay off quite in time to meet the dead line.  So if they write enough loans 5 people will pay off in time.  95 people will eat dirt.  Enough dirt to pay the difference on the 5 who got away with zero percent.  Further more they got more sales by using the zero percent come on.  At least half of the buyers who bought would not have done so without the zero percent hook.  So for the price of interest on 5 buyers they got 50 more buyers than they would have had.  \n\nread the fine print and find out what the hook is.  If you don't know, your odds of falling into the trap is almost 100%.  Best bet is to not buy at all.  wait till you have enough cash to pay for it in full.  If you can't save up enough money to pay it all, how can you make payments?  Don't be stupid.  Thats what they are counting on.\n\nOne of the writers above gave a personal story of exactly what they are up to and exactly what happens.  They are not alone.  It is designed to burn you.  \n\nRemember any time some one puts a contract under your nose, you can be sure that the contract favors the person asking you to sign it.
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
424038
Try a bank first - a local bank, credit union. \n\nThen consider places like beneficial finance.\n\nMake sure they are legitimate places to obtain a loan - at reasonable terms.\n\nGood luck\n\nPS: on my website, I have a link to bankrate - here you can research places to get loans as well as local rates.