So many numbers are thrown around when talking about cash advances, also called payday loans, that it can be hard to know what the real cost is. What you actually pay for your payday loan is usually a financing fee rather than an interest rate. APR is used to compare the yearly cost of such a loan, even though payday…
Tag: Apr
Low Interest Rate Credit Cards Understanding The Apr
When shopping for a credit card, it is important to understand the annual percentage rate (APR) to find the best deal for your situation. If you pay off your bill every month, a no fee and moderate APR plan may be best. However, if you take out cash advances, you will want a low APR on that feature. Various APRs…
Low Interest Credit Cards Scam Or Benefit
Low, as low as zero, interest on a credit card sounds attractive. Who wouldn’t want to borrow money and pay it back at leisure with no ‘penalty’? But what sounds like honey can often be laced with bee droppings. For those with excellent credit it is indeed possible to obtain a card with a comparatively low interest rate. Rates as…
Helpful Hints On Personal Loans
Are you thinking of taking out a personal loan! If the answer is yes then you have to ask yourself some questions first. This will make sure that the loan you choose is the right one to suit your needs. Below are some of the most common questions you should be asking. Do I really need a personal loan? You…
Financial Planning Is A Good Choice
If you have several credit cards and have found that making just the monthly payment to be difficult then you may want to look into ways to manage your debt and learn some financial planning skills. If you want to avoid bankruptcy then you may need to try debt consolidation. One way to consolidate debt that is quite fast and…
Understanding Student Credit Cards
Going off too college is a big step all by itself. There are many decisions to make, and a new freedom that many young adults are not accustomed too. Money is often of concern to both students and parents, and credit card firms are well aware of this. Your child will more often than not be solicited by a credit…
True 0 Apr Credit Cards Do They Exist
Because credit cards are now becoming more and more popular and competition among credit card institutions are getting stiff, credit card issuers are now finding ways to attract more potential clients to apply for their credit card. In fact, some credit card issuers even send emails and traditional postal mails to prospective clients in order to reach out to people…
Low Interest Credit Card
Low interest credit cards A lot of people just look at low interest credit cards when they are looking to get a credit card for themselves. The credit card suppliers too advertise low interest credit cards more that any other kind of credit cards. However, should low interest credit cards be the only ones on your list when you are…
Zero Percent Credit Cards
When searching for a 0 apr credit card, one with 0% annual percentage rate (apr) for a trial period, one of the best ways to find a good deal is to compare the credit card rate of several sites. One way to find reliable sites is to start with a bank credit card. Bank of America, Citibank, and many others…
Unsecured Loans
When looking for a personal loan, borrowers normally have two options to choose from – unsecured personal loans or secured personal loans. Unsecured loans are loans where the borrower does not have to officially put down any collateral against the loan. They are open to both homeowners and tenants, although some providers of unsecured loans prefer to deal only with…