Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 538
Registered: ‎05-16-2012
0

Re: Signature Loan?


trumpet-205 wrote:

You can try social lending website like Lending Club. Depending on your credit it can go lower than 11% APR. Or if you can pay it back really quick use balance transfer checks from your CC.

 

10.99% APR is pretty good for signature loan, given that it is an unsecured loan.


When my score was in the low 700s before my last app spree they offered me like 20% for a 2K loan.. (both lending tree and prosper) .. but the benefit is you can check the rate with a SP from their sites

FICO 08 EX: 802 EQ: 780 TU: 804

Total Credit Lines: $133,700
Senior Contributor
Posts: 3,070
Registered: ‎11-02-2009
0

Re: Signature Loan?

Isn't Chase Slate 0 BT fee? Depending on your monthly expenses it can also be fairly easy to avoid BT fee by simply charging everything to your 0% cards and the. Using the money you would normally use to pay your bill for whatever you need the loan for. That way you take advantage of your purchase APR. whether that gets you the money quickly enough depends on how soon you need it and how much you can charge in a month.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Signature Loan?


Walt_K wrote:
Isn't Chase Slate 0 BT fee? Depending on your monthly expenses it can also be fairly easy to avoid BT fee by simply charging everything to your 0% cards and the. Using the money you would normally use to pay your bill for whatever you need the loan for. That way you take advantage of your purchase APR. whether that gets you the money quickly enough depends on how soon you need it and how much you can charge in a month.


The Chase Slate would be a good choice for BT, the only thing i would worry about with that would be what kind of CL would Chase issue on it.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.