Author Topic: Personal Loans  (Read 2621 times)

Offline eli1571

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Personal Loans
« on: July 13, 2017, 09:18:42 AM »
Don't see any thread about this.

Any Recommendations where is the best place to take out a personal loan ?

How do personal loans usually compare to balance transfers in regards to interest rate etc ? e.g. loans usually have a longer time to pay off vs BT;s are max 18 - 24 months

Offline eli1571

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Re: Personal Loans
« Reply #1 on: July 16, 2017, 12:27:48 PM »
no one here takes personal loans ?

Offline ChaimMoskowitz

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Re: Personal Loans
« Reply #2 on: July 16, 2017, 12:30:46 PM »
CU's usually have the best rates.
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Offline eli1571

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Re: Personal Loans
« Reply #3 on: July 16, 2017, 12:31:47 PM »
CU's usually have the best rates.
thanx, do i need to be a member ? recommend any specific CU have never dealt with any ?

Offline ChaimMoskowitz

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Re: Personal Loans
« Reply #4 on: July 16, 2017, 12:38:29 PM »
thanx, do i need to be a member ? recommend any specific CU have never dealt with any ?
AFAIK you will need to be a member. PenFed is one that has specials all the time.
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Offline eli1571

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Re: Personal Loans
« Reply #5 on: July 16, 2017, 12:39:06 PM »
AFAIK you will need to be a member. PenFed is one that has specials all the time.
thanx, will check it out.

Offline countrygirl

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Re: Personal Loans
« Reply #6 on: July 17, 2017, 07:30:41 PM »
You can try Sofi

Offline gozalim

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Re: Personal Loans
« Reply #7 on: October 25, 2018, 01:18:31 PM »
any new/additional info here?
where would I go for more info?

Offline ariana33

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Re: Personal Loans
« Reply #8 on: October 25, 2018, 04:25:10 PM »
Credit Unions are usually the best at offering generous personal loans at good rates.

Online chbochur

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Re: Personal Loans
« Reply #9 on: October 25, 2018, 05:10:59 PM »
It depends on if you have stated income or not.
 
Sofi is a great lending group with amazing rates if you have good income.

 TD bank is one of the only retail banks that still offer the product at a max of 50k approval. Citi bank also offers unsecured personal loans but the list of tenure requirements is a little insane.

Offline gozalim

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Re: Personal Loans
« Reply #10 on: October 25, 2018, 05:57:03 PM »
It depends on if you have stated income or not.
 
Sofi is a great lending group with amazing rates if you have good income.

 TD bank is one of the only retail banks that still offer the product at a max of 50k approval. Citi bank also offers unsecured personal loans but the list of tenure requirements is a little insane.
this all for personal loans? or BT?

Online chbochur

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Re: Personal Loans
« Reply #11 on: October 25, 2018, 05:57:50 PM »
this all for personal loans? or BT?
Personal loans

Offline gozalim

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Re: Personal Loans
« Reply #12 on: October 25, 2018, 05:59:04 PM »
So either TD or a Credit union? (or are CUs not likely to offer that much)

Online chbochur

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Re: Personal Loans
« Reply #13 on: October 25, 2018, 07:01:41 PM »
So either TD or a Credit union? (or are CUs not likely to offer that much)
Sofi is a good option but you need decent income to get approved

Offline eli1571

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Re: Personal Loans
« Reply #14 on: October 27, 2018, 07:59:00 PM »
It depends on if you have stated income or not.
 
Sofi is a great lending group with amazing rates if you have good income.

 TD bank is one of the only retail banks that still offer the product at a max of 50k approval. Citi bank also offers unsecured personal loans but the list of tenure requirements is a little insane.
what is needed for td ? About how much is minimum required income

Online chbochur

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Re: Personal Loans
« Reply #15 on: October 27, 2018, 08:58:33 PM »
what is needed for td ? About how much is minimum required income
It depends on what other monthly liabilities you have on your report (they deduct all your monthly payments from your income). I would say that after all the deductions, at least another 85k

Offline eli1571

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Re: Personal Loans
« Reply #16 on: October 28, 2018, 09:19:59 AM »
It depends on what other monthly liabilities you have on your report (they deduct all your monthly payments from your income). I would say that after all the deductions, at least another 85k
do they require more info then a credit card application ?

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Re: Personal Loans
« Reply #17 on: October 28, 2018, 09:39:38 AM »
do they require more info then a credit card application ?
They may ask for pay stubs

Offline as2

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Re: Personal Loans
« Reply #18 on: November 22, 2021, 04:54:03 PM »
If there is a better thread, please direct me. I was wondering if anyone has an information regarding personal loans. Looking for something that is just a (smaller) loan with lower interest rates than credit cards or the likes, but isn't tied to any collateral. I've seen many advertised as CC debt consolidators, but I have no knowledge as to what "catches" I should be looking out for. Anyone who has experience or information, it would be greatly appreciated.
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Offline ckmk47

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Re: Personal Loans
« Reply #19 on: November 22, 2021, 08:03:03 PM »
Check your credit cards to see if you've got any offers.
The best I've seen in recent years is
a) 3% fee. 0% interest. 12 months
b) 0% fee. 5% interest. 15 months


If you don't have any on your existing cards, maybe you can apply and get approved for one that has.
Like the Chase Slate. Discover.