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Getting Prepared to Apply for Loans with Low Loan Rates
Preparing to apply for loans with low loan rates can be easy with our help. In order to make the approval process go quickly, be ready to provide one or all of the following, if applicable. Having these items will demonstrate to the lending institution that you possess the salary and the capacity to afford the monthly payments.
1. Your credit report. The lender may do their own inquiry but knowing your credit score is very important.
2. Legitimate employment. Low loan rates will not be approved unless you work in a job that is legitimate.
3. Additional income that is verifiable, if applicable. Any other source of income that is not the applicant’s primary income (such as alimony or child support) must be verifiable.
4. Pay stubs. Although employers could be contacted by phone during the verification
process, copies of recent pay stubs must be provided to the lender before final approval.
5. Tax forms. Depending on the situation and the type of loan that is being applied for, you may or may not need to provide tax returns. It is unlikely that small loans such as payday loans would require these forms.
6. Bills in your name. When applying for low loan rates, lenders often ask for copies of a bill such as the phone bill or another invoice that comes to your home. This is in order to verify your address.
7. A current bank account. Bank account information may be required by the lender for two reasons. This is another way to confirm your address.
8. An increased down payment. For loans like mortgages and auto loans an increased down payment would reduce the principal amount requested and may help in the approval process. (It is important to note that offering a down payment would not be applicable in the case of personal loan financing.)
9. A co-signer. This should be the last resort but if there is a spouse, family
member, or close friend with good credit that is comfortable with being a co-signer, their signature could help with the approval process.
Visit http://www.LowRateSearch.com now to find low loan rates now. Fast approval.
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Low Credit Card Rates – The Difference Between Cards
The following outlines a few popular types of cards that offer low credit card rates to give you a better understanding of the benefits of each:
1. Cash Back – With a cash back card, customers are rewarded with a rebate equal to
a percentage of their purchases. For example, there is a card that offers 5% cash back on supermarket, gasoline, and drugstore purchases. If you spend $150 in gas, food, and pharmacy purchases each week, at the end of the year, you will be able to cash in $390 in rebates.
2. Rewards Points – Instead of offering cash back, some lenders offer points
and rewards programs. As purchases are made, rewards points add up. After you have earned a number of points, they can be redeemed for free merchandise, gift cards, magazine subscriptions, etc. Besides low credit card rates, you can earn great rewards with these cards.
3. Gas Rewards – As purchases are made, points are earned. After accumulating a certain amount of points, they may be redeemed for prepaid gas card. In some cases, you can even earn points when making gas purchases.
4. Airline/Frequent Flyer Mile Rewards – When purchases are made with these rewards
cards, customers receive points towards miles for air travel. Once a specified number of points are accumulated, they earn frequent flyer miles toward discount and free travel accommodations.
5. Zero Percent (0%) APR Promotions – This means any purchases you make on this card will not incur any finance charges during a certain introductory period. The promotional period usually varies from 6-12 months. Many people use this interest-free period to transfer balances from high interest credit cards then pay the balances off within the promotional period. If you are applying for low credit card rates, and you are offered a 0% promotion, it is smart to consider this option.
6. Secured Cards – With a secured card, you deposit a cash amount into an interest-bearing savings account. This amount becomes the card’s collateral and credit line.
When you make purchases, your credit limit decreases, monthly payments are calculated, and you are sent a bill. If you make purchases, a monthly payment
is expected just like a regular credit card. Secured cards are great because they function like regular credit cards. This can be a great way to establish or re-establish
your creditworthiness by making timely payments.
7. Prepaid Cards – With a prepaid card, you get out of it exactly what you put in.
Similar to a checking account, you deposit a certain amount of money into an account and this is your spending limit. When your prepaid credit card balance reaches $0, you can “recharge” it by depositing more money into your account.
With all of the different types of rewards and cards that are available, there is no ‘one size fits all’ or ‘best’ solution. Look for solutions that offer rewards that match your lifestyle and your spending style.
Visit http://www.LowRateSearch.com to search for low credit card rates now. Fast approval. Low rates.
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The Fastest Way to Find Low Insurance Rates
The fastest way to find low insurance rates is online. Just answer a few questions about yourself and instantly compare features, plans, coverage, deductible amounts,
co-pay amounts, and even sign up for a new plan just a few clicks. This pressure-free way of insurance shopping allows customers to easily compare the differences in plans before making a final decision.
This is a great tip: When searching for low insurance rates, it is possible to save money by getting the most basic policy. However, always be sure to ensure that the plan you choose fits your current and future insurance needs. For example, if you have a specific problem or situation you are dealing with, make sure the coverage you choose will take care of your financial responsibilities.
Here’s another money saving tip: When searching for coverage for yourself and a
spouse, check to see if it would be cheaper to have separate policies or whether having a bundled package is more economical. In some cases individual insurance will be the best choice, but in other cases, it may be more financially feasible to each have a policy of your own. Make sure to consider all options.
Another great tip is this: If you would consider yourself “low risk”, think about signing up for a policy with a slightly higher deductible. Generally, policies with higher deductibles have lower monthly payments.
A final tip: Consider is whether it is more beneficial for your budget to pay your
premium monthly, semi annually, or annually. Once you receive your low rate quote, and if you have the money now, you can relieve the stress of future premium payments by paying 6 months or a year up front. If you are not in a position to pay the premium all at one time, choosing an affordable monthly payment plan is the way to go.
Get free quotes on low insurance rates by visiting http://www.LowRateSearch.com now.
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