I am planning to buy a used car. I have great credit, but I don’t know where to find the best interest rates, or what a “good” interest rate would be these days. This will be my first large loan, so I’d like to make the best decision on a lender.

By: m w

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A car loan is simply a way for you to go about paying for the car that you are looking to purchase.  You are going to take out a car loan from a financial lending company and bring it to the car dealership with you.  The reason for going about doing this is because the moment that you bring your own New Car Finance to a car dealership you are then considered what is known as any cash buyer in that you can buy the car pretty much out right from them just as if you are paying for it in cash in the first place.  You can then you should car finance in order to either buy the car that you want from them or you can also use it to lease a car through them.

 

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Debt Consolidation
I have about $10,000 in credit card debt. The cards have been distroyed for about 9 months. I always pay more than the minimum amount due, never late payments etc. I cannot seem to make any headway. I pay almost $400 a month combined and it hardly does a thing. I have tried to apply for low/no interest cards to switch the balances but because I have too much “revolving credit” they turn me down. Then each inquiry into my credit to try and solve my problem also causes red flags on my credit report. My credit score is around 660 last time I checked. I am not a deadbeat; I am working really hard to fix this. I contacted debt management and they told me because I have decent interest rates and I am making payments they cannot help me. Is there some moderately weathly person who would personally lend me money at a low interest rate??? I just dont know what else to do.
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Debt Consolidation
A while back, I got a line of credit to pay off other loans with higher interest rates. It has helped a great deal, until now. All of a sudden, we have more bills. I feel like I’m over-loaded with bills, bills, and more bills lately. Is there another type of loan with a low interest rate that I can just use to pay off what I currently have so that all I have is the bill for the new loan? I don’t really understand how APR’s work. All I know is the higher your balance is, the more you pay in interest. Can anyone please help with explanations and/or suggestions?
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Debt Consolidation
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I purchased a manufactured home about 2 years ago and I am making my mortgage and lot rental payments. I have a 15 year mortgage.I have a lot of credit card debt ( I pay about $900 a month in minimum payments). I would like to consolidate this into one payment so I feel like even if I am living pay check to pay check I am doing ok and pay them off and close the account. only want one card with a low credit limit. Plus the interest rates are high. I have good credit (approximate score 685-710 at last check) never made a late payment, or missed a payment no bankruptcy etc. So my question is should I be able to get a consolidation loan without a co-signor and is this the way to go. I would like to also purchase a new car (lease is up and need to get a new one) should I roll this all into together or do seperate loans and will that even be possible. Any guidance would be helpful thanks.