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Frequent Asked Questions About Various Loans

Car Loans - The most frequently asked quesitons about our auto loan service.

Q: Is this program for new or used automobiles?
A: Both new and used.

Q: Can I purchase and automobile from a private party?
A:
No. You must purchase the vehicle from an authorized dealer.

Q: It says 'car loans'. Are these loans only for cars?
A:
No, you can purchase cars, trucks, vans, and sport utility vehicles.

Q: I have bad credit, can I still qualify.
A:
Absolutely! We have a very large special finance network who specializes in bad credit. Many people who have prior bankruptcies, past repossessions, and even judgments have qualified for all types of loans.

Consolidate Debt Loans - The most frequently asked questions on debt consolidation.

Q: I would like to find out more about consolidating my debt, is there a fee for an initial consultation?
A: You will get a free initial consultation with a debt consolidation expert. From there you can decide the route you wish to take.

Q: What is debt consolidation?
A: Debt consolidation is a step taken by many people to reduce their monthly debt. By consolidating debt, you are refocusing your efforts into becoming debt free without filling for bankruptcy.

Q: Can I qualify for debt consolidation if my credit is bad?
A: Of course, bad credit is not an obstacle for our debt consolidation experts.

Credit Card Offers - The most frequently asked questions on current credit card offers.

Q: What are the interest rates on your credit card offers?
A: Credit card offers vary with interst rates, depending upon your financial situation. The credit card offers that you can get are very competitive, if not better, than most card offers you receive in the mail.

Q: Do you offer secured or unsecured credit cards?
A: Both secure and unsecured credit card offers are available.

Bad Credit Credit Cards - Frequently asked questions.

Q: My credit is bad, with a prior bankruptcy; can I get a credit card?
A: Yes, even in the worst circumstances, you can qualify for a bad credit credit card.

Q: How much higher is the interest rate on bad credit credit cards?
A: Well, if you have bad credit, you probably know that you are considered at high risk for any type of credit. With a bad credit credit card, you have a chance of re-establishing your credit although you may be paying a higher fee. Once you have a proven track record of making timely payments, you will be eligible for a lower interest-rate credit card. You have to start somewhere!

Q: Is there such a thing as an unsecured bad credit credit card?
A: Yes, you can get a credit card that is unsecured, even with bad credit. You may have to start out with a small limit, but as time goes by your limit will be increased.

Home Loans - The most frequently asked questions on home loan programs.

Q: Will I need a large down payment in order to get approved for a home loan?
A: No, in most cases, a small down payment may be required, however, there are down payment assistance programs, as well, as no down payment programs that you may qualify for.

Q: What home loan offers are available for first-time buyers?
A: The opportunities for first-time buyers are many. Of course, depending on your individual financial circumstances, you may be eligible one or more of the special offers exclusively for first-time buyers with little or no previous credit.

Q: What is the difference between fixed and variable home loan interest rates? Which is better?
A: If you opt for a fixed interest rate, your payments will remain the same for the specified period of the loan. On the other hand, if you opt for a variable interest rate, your payments will fluctuate according to the market. This can make your payment rise and fall at any time. Many people like a fixed interest rate simply due to the fact that nothing ever changes, making it easier to stick to a monthly budget. On the other hand, a variable rate could save you money if interest rates remain low for a long time.

Home Equity Loans - Frequently asked questions about home equity loans.

Q: Can I use a home equity loan for any purpose that I choose?
A: Yes, you can use the home equity loan for a vacation, home improvements, or even to pay for college.

Q: What information will I need to begin the home equity loan process?
A: Some basic information you should have include: your home's current value and recent mortgage statements. It is also a good idea to go over your credit report and correct any inaccuracies. You will need to be able to provide current financial statments and proof of income as well.

Q: What cost are associated with a home equity loan?
A: Some cost that you may incur include closing costs, as well as, other expenses incurred by the title company and the appraiser.

Mortgage Refinance - The most frequently asked questions on mortgage refinancing.

Q: Are your mortgage refinance loan programs nationwide or only in select states?
A: Our mortgage refinance loan services cover the entire Nation, including the states of Alaska and Hawaii.

Q: What is the difference between a home equity loan and refinancing?
A: With a home equity loan, you may borrow against the amount of equity you have in your home. When you refinance your mortgage, you are basically getting a new loan on your home. Most people refinance their mortgage to get lower interest rates, thus making their monthly payments and/or payment period lower.

Q: How does a person qualify for a no doc refinance loan?
A: No doc loans are generally for people with a very high credit score. The interest rates on no doc refinance loans are not lower, but are speedier and require no new personal information.

Payday Loans - The most frequently asked questions on payday loans.

Q: How will I know that my information on my payday loan application will be submitted securely?
A: Our application is on a secure server, as you will notice the "https:" when you go to the loan application page.

Q: Will it be necessary for me to have a co-signer for a payday loan?
A: Because every situation is different, we look at your unique situation to decide what is in your best interest. For most people just starting out, you may not need a co-signer, if your income falls within the guidelines.

Q: Can I apply for a payday loan by phone?
A: No. Out of concern for our customer's privacy, we recommend that you apply for your payday loan on our secure server. We also advice against sending us any personal information via email, as it is not safe to do so.

Q: Do I need to have good credit to qualify for a payday loan?
A: Absolutely not! Payday loans are easy to qualify, as there are no credit checks done.

Personal Loans - Frequently asked questions on personal loans.

Q: Is there a fee for applying for personal loans through Snappy Money?
A: No, there are absolutely no fees for applying.

Q: How long should it take to get a personal loan approval when I apply online?
A: Not long at all, when you apply online, your application is instantly received by a loan officer. There are no time-consuming steps involved, so you should expect no long waiting periods.

Q: Are personal loans available only to people with good credit?
A: No, bad credit personal loans are frequently acquired by people who have credit problems in the past.