Wednesday, July 11, 2007
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The introductory 0% APR lasts for two months, after which you pay the variable rate of 10.49% above the previous month's Prime Rate (Prime Rate was 8.5% in February 2001 for a total rate of 18.99% in March 2001). APR for balance transfers is 12.99% above previous month's Prime Rate (21.49% total). Your credit line is up to $2,000.
The introductory 0% APR lasts for two months, after which you pay 23.99%. Your credit line is up to $1,000. Based on the information you provide there may be an annual fee up to $89. You can apply for the cards online by filling out a form with your name, address, phone number, social security number, birth date, and annual income. The approval process takes less than a minute; 30 seconds according to the Web site. Once you have an account, you can access the balance and transaction history 24 hours a day through an online interface or by calling a toll-free number. When you buy something with the Aria Visa card, you earn points that you can redeem online through Aria's Web site (http://aria-rewards.mypoints.com). You can redeem points for gift certificates to retailers, such as Eddie Bauer, Blockbuster Video, and Circuit City. You instantly get 250 points for signing up for the card and you receive two points for every dollar you spend. Balance transfers tender 5% of the total dollar amount in points, up to 1,250 points. You can start spending your points on products after accumulating just 750 points |
The introductory 0% APR lasts for three months, after which you pay the variable rate of 0.49% above what the Prime Rate was on the first day of the previous month (Prime Rate was 8.5% on February 1, 2001, so the March 2001 variable rate is 8.99%). APR for balance transfers is 5.49% above the previous month's Prime Rate (13.99% total), and the credit line starts at $5,000. |
 Get Cash For A New CarThe E-LOAN site also focuses on automobile loans. Click the Auto Financing link to apply for a loan. An installment loan is the typical loan for new and used vehicles. E-LOAN offers you the best rates available from the multitude of lenders working with them. The installment loans available cover new or used vehicles with terms of 36, 48, 60, 66, or 72 months. Refinancing loans are also available if you already have an installment auto loan. Although E-LOAN charges no application fees, you must pay a title transfer fee of up to $30 if you are refinancing your car loan.The application process takes place completely online; however, E-LOAN has a toll-free number if you need assistance. Start by specifying the type of loan you want and receiving a custom rate and payment quote. An online form lets you specify the amount you want to borrow and the state where you are buying the automobile. If you already know the car you want, you can also specify the model year, make, and mileage, and whether it is new or used. Click Custom Search, and the next Web page you see is a chart with the various loan durations and the APR and monthly payment associated with that term. You can tweak the monthly payments by changing the loan amount on-screen and clicking Recalculate. Once you find the loan specifics that you like, you can enter name, address, and e-mail into a secure form to finish the application. E-LOAN then e-mails you the decision in the next 24 hours, often within the hour. An approved loan application locks in your interest rate for 30 to 60 days, depending on the lender. You'll receive an acceptance package that includes a check for the maximum amount, valid toward buying a car at any franchised car dealership, which is a dealer selling new vehicles for at least one domestic or import brand. The vehicle must be a 1995 or newer, must have 75,000 or fewer miles, and cannot be purchased for commercial or business use |
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This 30-year homebuyers' loan begins at a fixed rate for the first five or seven years, then changes to an adjustable rate for the remaining time. The adjusted rate is based on a preselected financial instrument such as a Treasury Bill or a CD (Certificate of Deposit). The borrower assumes more of the risk since it is possible for the rates to go up; however, the lender typically compensates for the additional risk by giving a low fixed rate for the introductory period. |
 E-LOAN Gets You The Money Quickly & Easily Find The Best Interest Rates On Your Next Loan If you are looking to buy a house or a car or start a business, E-LOAN may get you the best interest rate on your loan. E-LOAN is a loan brokerage company, meaning it monitors numerous lenders and presents you, the loan applicant, with the best rates. Its Web site (http://www.eloan.com/) grew from a brick-and-mortar company into the leading Internet-based loan site. E-LOAN finds all types of loans, from fixed and adjustable rate mortgages to auto loans and credit cards. E-LOAN is a good resource for learning about loan products, the lending process, and how credit ratings work. The glossary gives definitions of financial terms. The site includes numerous tools you can use even if you are not looking for a new loan. You can compare your loan's interest rate to current market rates, calculate the difference between renting a property and buying a home, and track interest rates on loan products such as fixed rate mortgages or auto loans. E-LOAN automates the lending process, allowing you to learn about and complete your transactions online, saving you money by eliminating loan agent fees. |
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