Hyundai Car Loan With Cash Back During Holidays

Hyundai/ Portal

Good news for car enthusiasts. Hyundai offers easy E.M.I. starting from $199/month during holidays or $1,000 cash back as a festive offer. They have not really declared a ZERO percent financing offer like Nissan had already done recently. Interest rates are starting from 3.7% with a 60 - 72 months repayment term.

Lenders to Educate Georgian Burrowers

Cash Loan

This is a good initiative from CashAdvance.com, a lender operating since 1997, who will educate burrowers in Georgia regarding cash loans. A law en-forced since 2004 in Georgia has stipulated a maximum 16% rate of interest, maximum $3000 loan amount, loan period between 15 days to 36 months among many regulations, which make it difficult to get small loans. CashAdvance.com claims to educate people to use cash loans as the last resort. Georgia Department of Banking and Finance has already developed an information database. The database also includes the list of licensed lenders. The department also encourages burrowers to file their grievances. Lots of work is already underway to save people from dreadful trap of  payday loans. We absolutely agree with the moral of the story - use it as the last resort.

Nissan Offers Zero Percent Car Loans

NISSAN

Interest rate is down to ZERO percent for 60 months term, additionally you can get $500 to $4000 cash back when you pay by cash or use bank loan. Offer is running throughout the end of December. Find your local dealer here to apply now.

Payday Loans: Fear Factors

Payday loans can at times become a dreadful experience for the burrowers. What's a payday loan? It is typically a loan granted against your salary check. The amount depends on your salary, monthly liabilities including any existing loan and credit score. Eligible applicants enter into an agreement. The re-payments are made by equated monthly installments (EMI). The payment date is negotiable. But it must be made within the due date to avoid all hidden hazards. 

No one can deny need of emergency fund. The best practice is to strengthen your savings when you could afford little bit more for luxuries. Do not ever spend a single bulk from this emergency reserve fund. A little bit of savings each month can create a dependable reserve fund. Trust me. It may sound too good to be true. But this force saving has helped many people  during the time of adversities. So, start it from today.

And what if you need the cash now?

There are situations that demand so. You can not defer payments for children's education, you have to pay all the bills for healthcare, plus, there are social occasions, in which everybody expects your contribution. This is how life has been going in this satellite age. And I or you are not any different creature. We cannot break the social norms. So, payday loans can help you. The procedure of approval is fast. Faster than any traditional bank loan. The process gets completed with minimal paper work. From application to verification - the entire process is carried out mostly online. So, you really do not have to worry to much about processing time. Subject to approval, you can expect the loan amount directly deposited to your bank within 24 hours of approval. That's a SWEET deal at the moment of crying needs.

The fear factors of payday loans:

#1. Rate of interest. 

Interest rate on payday loan is higher. It can actually cost you $15 - $20 (avg. $17.5) per month for each $100 dollars. So, you actually re-pay the loan amount itself within 6 - 7 months.

#2. Service & Processing Charge

Each company imposes some kind of service and processing charge. This is be added to your loan total. So, accumulated dues may even increase. Plus, interest is calculated on a flat rate instead of reducing balance method. So, until and unless, you repay the whole amount, you will continue to pay the interest on the total loan amount.

#3. Early repayment option

Fine prints may include a few extra bulk penalty for making early repayments. So, even if you have cash, you might get confused whether to repay the loan early or not.

#4. The trap & repeat loans

A fragile 2% of the burrowers do not entertain any repeat loan. For others, it just work like a deadly trap. They prefer to top up the existing loan or can even consider a new loan. This makes it impossible for them to repay the loans completely. So, they continue to pay the fat interest amount each month. Since, it is easier to apply and get approved for a payday loan, this just works like an addiction. I have seen people burrowing money just to purchase a new prestigious iPad.

Respite from Payday loan

Each thing in life has a good side and an evil effect. You define your emergencies. Education, healthcare, and a few domestic supplies. Nothing more. Take a payday loan if you do not have any other option. Make regular repayment. Within a few months, apply for a regular personal loan from a bank or a financial agency. Be ready to go though the long processing. But if your application is approved, you repay the outstanding payday loan amount. You will finally get a respite from paying huge interest rate each month. Just do not let  payday loan become a part of your monthly recurring expenditure. Make every effort to save every single cent towards your reserve fund.

Hope it helps. Thanks for reading. Subscribe to your RSS feed for instant updates and offers.

Personal Loans May Give You Respite From Credit Card Debt Finally

Need a respite from credit cash debt, consider cash loans or personal loans. Studies suggest, an average American aged around 37 years carries $5,100 in credit card debt. It actually means a lot more. It means a recurring monthly expenditure. It's like an endless loop - a deadly trap! Let me explain, how it happens.

Credit card debts - the trap
Obviously, credit card facilities offer convenience for consumers. Today's world is driven by the spirit of consumerism. We make several purchases. We spend money for home improvement or luxury; we book airline tickets or hotels; we even have to spend for expensive gifts because of social obligations at times. And we dare not to pull out the card to make immediate payment. New loans get added to the already existing loan hazards leading to a complete death trap.

Why credit card debt becomes unmanageable?
Well a lot of time people just wonder what is wrong with credit card debt? Dear friend, the big difference is the APR (Annual Percentage Rate). Even with good credit score, the APR for credit card may be as high as 13.15%. It means you are paying more than $13.15 extra for each $100 loan amount. You may actually be paying even more than that. A bad credit score will increase the APR and a higher APR means you have to pay more and more towards accrued interest each month.

Well none of us have ever gained access to the 'treasure island'. We mostly have to afford things within our regular monthly income. Mandatory credit card debt repayment makes our life really miserable. Because you have to pay it monthly - each month, months after months, almost forever. Unfortunately, a lot of us do not really express much concern for such regular monthly burden. They just get used to making such monthly payments. They start considering it something like paying for rent or electricity. The factor that they overlook is the interest overhead. They eventually pay more price than the price of the commodity. Further as you make repayment regularly, companies can increase your credit limit. It reflects your financial soundness. And at the same time, it lures you to spend more through credit card.

Steps to Repay Credit Card Debt
First of all stop pulling out your credit card every now and then. Use it only if it is the only means of payment. It is better to repay the existing loans. You can consider alternative loans, like a personal loan. With identical credit score, APR for personal loan is almost half starting from 6.78% (for credit card, recall, it is 13.15%). Consider a personal loan from some funding company having good reputation. Opt-in for a two to three years repayment plan. Clear your existing credit card debts. Promise that you will never ever enter into that deadly debt trap!

For a list of legitimate agencies offering personal loans, check out our quick link section.

LendingClub Offers $100 Cash Bonus for Investors

LendingClub offers $100 cash bonus for investors. Steps are simple. Join LendingClub, make an investment within 45 days of joining and receive your cash bonus. Offer applies for investment over $2,500 only. Nope! Did I mention one more step? Yes! You need to follow this link to get the cash bonus. $100 cash bonus on $2500 is a 4% instant return on your investment. Plus, the net annualized return is 9.67% (subject to changes)! Look at the graph, which indicates a steady growth. You can also help your wealth grow faster by selecting lending or investment options diligently. Best of luck!

Welcome to Crazy Cash Loans

Source: MorgueFile

I created crazy cash loans from my working with another eCommerce project. There's a huge need of information flow for the loan takers. They desperately look for a respite from bad credits, to arrange for funds for essential home repair, pay for children's education and surely to pay the medical bills. Oftentimes we run shortage of fund. But that does not mean we could not afford that expense. We could have. Some mishaps, wrong estimates, or, something else just could not let us have the cash at bank. So, the rescuer is, surely, the funding agencies.

They can be rude...
Yes I know! They can be rude, if you fail to repay in time. They can create all sorts of hazards for you and your family. It is better to stay off from these funding agencies. It is said they form a vicious cycle. They will trap you. And then they will make profit from your misery.

But they can really help...
But they are really helpful too. Particularly in emergencies when you need fund immediately. Interest rates are obviously higher (covering the risk factor!). But occasionally, they can lower down the rates. You have the option to trade off. You can break the ice and get rid of all sorts of discomforts.

What I'll discuss...
Our discussions will be focused on offers and preventions. Steps you must follow to ensure a good credit report. I'll cover agencies, which will repair your bad credit reports. So, it's for betterment of your financial stand. I hope it will be helpful.

Please read on and suggest your views.

Thanks,
CrazyCashLoans