Loans Articles

Sallie Mae Debt-to-Income Ratio

Mark CappelSeptember 22, 2010

Debt-to-Income ratio (DTI) is a comparison of your monthly gross income and your monthly repayment obligations to creditors.

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Short Term Loans

Mark CappelSeptember 20, 2010

If you seek a short-term loan, avoid payday lenders. Consider a peer-to-peer loan or a loan from your bank or credit union.

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Citi Sold My Loan to Santander

Daniel CohenSeptember 19, 2010

Citi Sold Loans to Santander | It was not illegal for Citi to sell loans. Santander assumed all terms and conditions of your Citi. You can try to refinance...

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bad credit auto loan

Daniel CohenAugust 17, 2010

Free tips on getting an auto loan when you have bad credit

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Borrow Money to Invest?

Bills.com TeamAugust 16, 2010

Does it make sense to borrow money for an investment?

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Buy Car

Mark CappelJuly 1, 2010

A good rate on a vehicle is 8-10%. People with no or poor credit history will pay twice that.

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Sallie Mae Cosigner

Mark CappelJune 23, 2010

Sallie Mae Cosigner | As a cosigner, you are 100% responsible for the debt. It's hard to negotiate settlements for student loan debts, but it is easier to if...

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Home Equity Line of Credit Terms

Mark CappelJune 14, 2010

HELOC Terms | A Home Equity Line of Credit (HELOC) is akin to a credit card secured by property. The terms of a HELOC vary, so check your contract and...

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401k to Pay Student Loan

Mark CappelJune 11, 2010

Taking a 401(k) distribution my result in lower interest costs, but will almost certainly result in the increased monthly...

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Peer-to-Peer Loan

Mark CappelMay 24, 2010

Peer to Peer Loan | Consider borrowing from someone in your circle of friends, or from a peer-to-peer lender such as Lending Club or Prosper.

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Florida Usury Law

Mark CappelMay 14, 2010

In Florida, the legal rate of interest is 12%. The general usury limit is 18%. On loans above $500,000 the maximum rate is 25%.

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NJCLASS Loan Forgiveness

Bills.com TeamMay 5, 2010

The New Jersey Higher Education Student Assistance Authority offers NJCLASS student loan cancellation in limited circumstances, including...

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Student Loan Disability

Mark CappelApril 15, 2010

If you are disabled and have a federal student loan, the Dept. of Education may cancel the balance of your loan. However, you must apply to have your loan cance

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Refinance Auto Loan

Mark CappelApril 9, 2010

Sell Vehicle 1 and retire the loan. Your credit score should receive a boost from your doing so. Buy Vehicle 2 and finance the portion you cannot afford with a

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Federal Student Loan Garnishment

Mark CappelMarch 31, 2010

Federal Student Loan Garnishment | Default on your federal student loan can lead to wage garnishment and seizure of your tax refund. Make sure that you...

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Consolidate My Payday Loans

Mark CappelMarch 22, 2010

Consolidating payday loans is more difficult than personal loans or credit cards. Step 1 is to check your state's laws to see if the lender must offer...

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Cash Out Auto Refinance

Mark CappelFebruary 23, 2010

Can you help me find a lender that will do a cash out refinance for an auto loan or refinance on a car loan?

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Student Loan & Credit Report

Mark CappelJanuary 25, 2010

The best way for a person to wash a delinquent student loan from their credit report is to become current on payments.

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Residential School Settlement

Mark CappelJanuary 5, 2010

The Indian Residential Schools Settlement Agreement a lump sum payment paid to former students who suffered abuse. It is not income that qualifies for...

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Need Personal Loan

Mark CappelDecember 9, 2009

Need Personal Loan | If you are struggling to pay bills, then personal loans are not usually a good alternative. Create a budget and seek debt relief...

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Illinois Payday Loan

Mark CappelNovember 23, 2009

Illinois protects consumers who get payday loans. Payday lenders are limited in the interest and fees they charge. Also, payday lender must offer no-cost paymen

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Florida Payday Loan

Mark CappelJuly 22, 2009

Florida payday loans | Florida payday loans are risky. Examine a case where someone used a company to resolve a payday loan but now owes $6,000 when the origin

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Transfer of Property

Mark CappelJuly 22, 2009

My mom took out an equity loan and but later placed the property in my name. The loan is now in foreclosure. Will the bank be unreceptive because of this?

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Transferring an Auto Loan

Mark CappelJune 29, 2009

My daughter wants to take out a loan to pay off my car loan but can't afford the monthly payment. What are our options?

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Business Line of Credit Liability

Mark CappelJune 26, 2009

We opened a business line of credit in about 1985 in the name of our corporation. We sold the business in 1993 left the line of credit open. Are we liable?

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Problems with a Motorcycle Loan

Mark CappelApril 16, 2009

Sometimes, repossession agents will act like private investigators, scoping out the borrowers home, workplace, etc. See what you need to be aware of at Bills.c

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Auto Loan Refinancing

Mark CappelFebruary 19, 2009

Typically auto-refinancing is done through a different lender, using the new loan to pay off the original loan. Learn more about auto loan refinancing at Bills

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Payday Loan Lawsuit

Mark CappelSeptember 10, 2008

Learn about the steps you can take if a creditor is threatening you with a civil suit. Get more debt help tips at Bills.com

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Student Loan Consolidation

Bills.com TeamAugust 18, 2008

Student Loan Consolidation | All the information you need to get started consolidating your federal or private student loans...

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Massachusetts Payday Loan

Mark CappelJune 24, 2008

Get information on how payday loan providers use loopholes to bypass local state laws.

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Default on Private Student Loan

Mark CappelMay 6, 2008

Private Student Loan Default | Private student loans are similar to unsecured debts, if you do not make repayments on the loan, the creditor/collection agency h

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Loan to Pay Off Debts

Mark CappelMay 1, 2008

Get all the information you need about getting loans to pay off debts. Bills.com is your one stop resource to get all the information you need to save on your

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HELOC Payoff

Mark CappelMarch 11, 2008

If you are looking for a HELOC loan, let Bills.com help you consider all of your options to help you save.

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Virginia Payday Loan

Betsalel CohenDecember 7, 2007

Virginia law specifically allows pay-day lenders to operate and exempts them from the usury laws which apply to many other lenders. Learn more about pay-day lo

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Student Loans on Credit Report

Mark CappelNovember 20, 2007

Student Loans on Credit Report | Learn how student loan defaults are reported on credit reports. Federal student loans follow different rules...

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Help with Loan

Mark CappelNovember 2, 2007

If you need help with a loan or debt help, let Bills.com help you get the best loan deal and the advice you need to save.

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Credit Rating and Student Loans

Mark CappelOctober 31, 2007

Learn the significance of your credit rating when applying for student loans. Bills.com has the resources to help you save big on your student loans.

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Car Loan Transfer

Mark CappelOctober 29, 2007

Thinking of a new car, see what you need to get done with your old one before you buy and save money on your deal at Bills.com

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Good interest rate

Mark CappelOctober 18, 2007

Learn about a good interest rate and what score you need to have to qualify for good credit loans. Bills.com.

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Auto Loan Interest Calculation

Mark CappelOctober 12, 2007

Your credit history is probably the most important factor a lender will review when deciding what interest rate to offer you on an automobile purchase loan. Fi

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All about Payday Loan Default

Mark CappelOctober 12, 2007

Payday Loan Default | What you can do, when you are in default and unable to pay payday loan.

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Poor Credit Loan

Mark CappelOctober 12, 2007

Get real world advice on how to apply for loans even with poor credit. Learn more at Bills.com

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Auto Loan for No Credit

Mark CappelOctober 11, 2007

See what resources are available for people without good credit. Get money saving tips at Bills.com, ask Bill your personal finance questions and get a persona

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Auto Loan Default

Mark CappelOctober 9, 2007

Advice and information on auto loan default. Bills.com is your one stop resource for answers to personal finance questions.

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Cannot Pay Payday Loans

Mark CappelOctober 9, 2007

Cannot Pay Payday Loans | Many people seem to be drowning and trapped by payday loans. Learn about state laws regulating payday loans and tips to get out of...

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Payday Loans Payment Arrangement

Mark CappelOctober 8, 2007

Let Bills.com help with your payday loans payment arrangement. Find. Learn. Save! at Bills.com

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Auto Loan with Bad Credit

Mark CappelOctober 8, 2007

Auto Loan with Bad Credit | Credit score on the lower side? Bills.com has the resources and partners that can help you get an Auto Loan with Bad Credit.

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Good APR

Mark CappelOctober 7, 2007

What would be a typical APR for someone with a moderate credit score? Get the answer at Bills.com.

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Business Debt Loan

Mark CappelOctober 5, 2007

Get free business debt help tips and advice for your company from Bills.com - Find. Learn. Save.

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Bad Credit Auto Loan

Mark CappelOctober 5, 2007

When purchasing a new vehicle, it is important that you should shop around with several different lenders to find the best loan available, get more help at Bill

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