Wednesday, December 30, 2015

Simple Steps In Order To Get Reliable And Suitable Loans For Disability!

Physically or mentally challenged people always consider themselves unfortunate because they can’t lead a normal life. Their inability to meet the financial demands of the loved ones always leaves the sense of dissatisfaction. But now is the time to turn around this situation as disability loans are easily available in the money market. There are innumerable online lenders that are offering these services to disable people who need cash help to meet certain personal desire. With these deals, one can simply accomplish the additional necessities in the easiest way possible.

About The Monetary Service              

As the name implies, these are special services designed to help disable people in their tough times. With these services they can simply take needed small cash advance with the duration that is enough to make easy payment. The nature of these deals is unsecured that help both homeowners and tenants to get cash in need without risking their personal assets. Thus, to get the approval of cash one need to show the proof of affordability though any other income source such as benefits from DSS, investment income, etc.

The interest charges attached with these disability loans are slightly high in nature because it is given to disable people who do not hold the stable job. But still one can find the apt service by following certain steps mentioned below:         

Helpful Steps To Get Suitable Financial Service

•    To get the approval of these loans, one needs to show his/her sound financial situation. So, it is wise to check your pocket and apply accordingly that increase your chances to get easy loan approval.

•    After knowing your needs and pocket, just start searching for the service that is apt for your situation. It is advised to compare the rate and terms of many lenders to choose the affordable option. Always choose the option with no upfront fee to make it more reasonable that fall easily within your pocket. 

•    Before making the choice it is must that you verify the genuineness of the lender to make sure you have picked the trustworthy lender. This step also helps you to avoid the trap of fraud lenders of market.

•    As soon you find the right Loans For Disability service, just fill the loan application. It is advised to provide all the correct details as it increase your chances to get the apt service. Lender simply checks your details and gives the pre-approval if you are a potential borrower.

•    After giving approval they give agreement to sign which one should read carefully before making commitment. If all the terms are satisfied then you can simply sign and return the deal to get quick cash advance.

•    Once you return the signed deal to the lender, they transfer the cash amount right in your bank account without any delay.
Wish You To All Borrowers
Have A Happy New Year

Wednesday, December 23, 2015

Disability Loans Fast: Financial Benefit In Need For The Differently Able People!

Availing the cash loans in urgent times is quite easy for almost everyone despite of their any situation. All thanks to online lenders who allow every many seeker to get easy cash help according to the circumstance. People having any mental or physical disability also find it really easy to receive loan quickly without any hassle through disability loans fast. Individuals who are going through some financial turmoil and holding some disability can simply rely upon these services to get desired cash within few hours of making application.              

Financial Solution For Disable People 

These special loan products are designed to help disable people in their tough times by offering the small cash help for short term. The lending terms of the finances are decided by the lender after analyzing the current financial and personal situation of the borrower so he/she enjoys the hurdle less lending. But before applying for the service, it is notable that it is given to you of you prove your ability to make repayment through the disability income from the agency (DSS). The eligibility condition of every lender varies from other so it is must that you check it beforehand to understand your chances to get loan approval.         

Hurdle Less Lending And Same Day Cash Assistance 

No physical and mental disabilities can put an obstruction in the way of availing these disability loans fast. To make the process simpler, lenders eliminate the traditional the custom of pledging collateral or faxing unnecessary documents. Online lenders just want money seeker to fill their online application with correct and complete details. They simply check the situation of the applicant and offer the service that is apt for their situation. The loan amount and repayment duration are finalized as per the repaying ability of applicant so he/she can enjoy the hurdle less lending option. 

Liberty To Choose The Apt Scheme

It is notable that loan rate of these finances are suppose to be slightly high because it is offered to disable people without taking any security. So, it is must that you should compare the loan quotes of multiple lenders in order to find the suitable lending scheme. Every lender offers the scheme at their own terms which give money seekers an opportunity to compare and find the reliable lending scheme. So, check out the lending offers of multiple lenders to find the apt service that is right for your particular situation in every way.      

No Restriction For Bad Credit Holders
Disable people having poor credit background need not to disappoint as they can also grab the disability loans fast from specialized lenders. There is no restriction for bad credit holders to get these services as lenders allow them to get money simply on the basis of their need and repaying ability. Online market is filled with lenders that allow disable people to get money from comfort of their home within 24 hours to fulfill their personal demands. 

Wednesday, December 16, 2015

S.M.A.R.T. Tips for Saving on your Auto Loan

Americans love cars. It is one of the reasons why America is amongst the world’s top car-owning countries. Every year, Americans spend several thousand dollars on auto loan payments. If you are looking forward to buying a car, make sure that you follow S.M.A.R.T. tips. The tips will help you save money and ensure that you do not opt for exorbitant auto loans.

Follow the S.M.A.R.T. Tips and Save Money

When car buyers have to make a decision about auto loans, logic takes a backseat and emotions become a controlling factor. It is the reason why car buyers say yes to financially harmful auto loans. To save yourself from the possibility of a financial damage, you must follow the tips.
S.M.A.R.T. Tips for Financing a Car

S - Specific

The car is a huge asset. So, it is essential that you understand your requirements before buying a car. It is important that you have a specific image of the type of the car that you want. It will help you stay away from an impulse purchase.  Consider the list of following factors because it will help you in choosing your perfect car:

1. Total number of passengers
2. Gearbox - Automatic or manual gearbox?
3. Cargo capacity
4. Vehicle performance
5. Driving conditions
6. Gas mileage
7. Safety features
8. Technological features
9. Parking space

M - Money

Remember that even if you opt for an auto loan, you will need to make down payment of at least 10 percent of the total price of the car. Making down payment is always beneficial for you because it helps in reducing the loan amount and the interest amount. Also, down payment will project your stable financial situation to the lender and help you in reducing the interest rate.

If you do not have money for making down payment, do not worry. You can trade-in your old car and ask the dealer to deduct its value from the price of the new car.

A - Affordable

Selecting a specific car will be of no use to you if you cannot afford to buy it. Remember that car expenses are not limited to down payment. You will have to pay money for monthly loan payments, fuel charges as well as maintenance 
expenses. A general rule is to allocate no more than 20 percent of your total monthly income for car-related expenses. Keep this rule in mind and choose an auto loan that does not exceed your budget.

R - Reliable

There was a time when car buyers applied for an auto loan with the local bank only. Today, there are several ways of obtaining an auto loan. You can apply with a bank, a credit union, or an online auto financing company.

No matter what option you choose, you must ensure that the lender is a reliable one. If you opt for an online auto financing company, check the website’s security certificate. If the website doesn’t have one, stay away from it and save yourself from a potential identity theft.

T - Time

Car buyers are afraid of rate shopping because they believe that multiple credit inquiries will damage their credit score. But, do not refrain from rate shopping instead, finish it within 30 days. Why?

A time-bound search for an auto loan will ensure that you do not harm your credit score. FICO does not consider inquiries made in the 30 days prior to scoring. So, if you are able to get a loan within 30 days, it won’t affect your score. This span of time can change to 14 days if the lender uses older versions of FICO and can increase to 45 days if the lender uses the newest formula.

Car buying is one of the most expensive purchases that Americans make. If you do not pay attention to your auto loan, you can make the worst financial mistake of your life. So, avoid making a bad decision and follow the S.M.A.R.T. tips.

Rapid Car Loans is the preferred choice of Washingtonian car buyers for obtaining no cosigner auto loans. Get in touch with the company and obtain Washington bad credit auto loans. Apply now to buy a car today.

How to obtain the Best Black Friday Car Deal in 2015?

It is just a couple of days before the greatest sale of 2015 begins. This year, Black Friday is on 27th November. And, it is considered one of the best times of the year to buy a car. Here’s why?

Numbers prove it

Last year, 17.2 million cars were sold during November. The majority of the cars were sold during the long weekend of Thanksgiving. Experts believe that almost same number of people will be shopping for a new car this year as well.

Dealer’s Discount and Manufacturer’s Incentives

As the 2016 car models are available for sale, dealers will offer huge discounts on the 2015 car models. It is because they want to empty their inventory of 2015 car models.  Also, the manufacturers will provide incentives for buying this year’s car models. It means you can get the best of both worlds and enjoy buying a brand new car at reduced prices.

Why prepare for Black Friday Car Shopping?

It has become a tradition for many families to shop for cars during the long weekend of Thanksgiving. It gives them an opportunity to inspect the car at leisure without worrying about their job schedule. Several families will be present at the dealership lot when you go to buy a car. Everyone will be vying for the salesmen’s attention. In order to obtain the best Black Friday car deal, it is important that you go well prepared.

Tips for securing the Best Black Friday Car Deal

1. Create your Car Budget

If you are passionate about cars, your left-brain may influence your decisions. So, it is important to create a car budget by analyzing your current financial situation, credit score and future expenses. It will help you in calculating your expected monthly payments.

Once you have your car budget ready, search for car models within your budget. Make use of internet and read the reviews of the shortlisted car models.

2. Contact the Dealerships prior to your Visit

You won’t be the only one shopping for a car over the Thanksgiving weekend. Every dealership in your area will witness an astounding number of footfalls. In order to ensure a stress-free experience, call the dealerships beforehand.  There is no need of providing detailed information of trade-in or auto financing. Simply ask the dealers to e-mail you the vehicle quotes. It will help you in short-listing dealerships according to the price.

3. Don’t be Emotional

Black Friday car shopping is an emotional process. The salesmen may tempt you with exciting discounts and deals. But, you must stick to your car budget. It will help you in staying on top of monthly payments.

Also, it is essential to stay calm and composed during the negotiation process. Do not forget to check all the fees in detail. You can negotiate the fees charged by the dealer such as “dealer’s fee”, “dealer prep charges” and “marketing fee”.

Holidays make us emotional. But, it is important to have a practical approach to the entire Black Friday car shopping process. It is because only then you will be able to secure the best car deal.

Rapid Car Loans will help you take advantage of Black Friday car sale by providing instant credit approval on car loans. Apply now and get ready to benefit from the year’s biggest sale.

Wednesday, December 2, 2015

Happy Last Month of 2015!

Hello out there. I figured it was time to check-in and provide an update or two on where I am these days J

I have a new job. Still corporate America, still a cubical, and still 8-5. BUT I like it a lot better than the previous one that I was at for the past 4 years. Although it was a lateral move, salary wise. There are budget saving aspects about it that will make it feel as if I got a pay increase for jumping ship:

-         It is 4 minutes from my house. That shaves off approximately 40 minutes each way every day and saves a ton of gas. Also, no more interstates every single day; thank you, Jesus!
-          They have a parking lot. That is free. No more having to give $65 a month to a crappy downtown parking garage to be able to park while at work. (Side note here, their parking spots are just a few steps away from the door which means no more elevators, escalators, stairs, and having to walk 1/3 of a mile outside just to get to your office. HUGE quality of life improvement!)
-         They do not have any restaurants, grocery stores, and cafes in walking distance like the previous job. So no more breakfast, lunch and snack buying temptations; I eat what I bought to eat from the grocery store that week. Sadly, that means no more Starbucks either, so there’s $25 a month alone.

So, where am I at on my loans? I last updated y’all on my balance in mid-June; it was at $36k then. I am happy to report that now, approximately 5 and a half months later, my loan balance is at $26k. So 10 grand down from my last update J

I am still aiming to be debt-free by late next near.