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Bad Credit Time Limits
A subject of great concern to many of those with damaged credit is the issue of time limits. The two main categories are collection-related and reporting-related.

How to Build or Rebuild Credit
You need credit history before you can get credit, but can't establish history without having the credit to start with.

Bad Check Fees and Penalties
A check written with insufficient funds is a crime in every state and the fees and penalties can run as high as $1500. Additionally, it is estimated that U.S. banks earn more than $5 billion a year in bounced check fees and penalties.

How to Establish & Maintain Good Credit
Obtaining and maintaining a good credit profile is the key to purchasing that new home, car, or any other type of loan. The only thing credit grantors know about you when applying for credit is your overall credit worthiness.

Car Loans and Bad Credit
Lenders relax their standards for those with flawed payment histories

Mortgages with bad credit
People with spotty or no credit can still buy a home -- but get the right rate .
Clock is ticking on credit-report repairs
The Supreme Court upholds a law that says you must correct errors on your credit report within two years. That's good for the credit companies, not so good for you.

What Do To When You're Turned Down for Loan or Credit Card
It's never fun to be turned down for something you want - and a loan or credit card is no different. But before you take it personally, or think you won't be able to get credit anywhere, read this article for some advice on handling rejection.

Weathering A Financial Crisis
Whether it's losing a job, facing unexpected medical bills, or a family member who needs help, handling a financial crisis can be downright scary. While you may experience a very rough ride for a while, there are some things you can do to make sure you'll recover more quickly:

What To Do If An Account Is Sent To Collections
If you do not pay a bill on time, the lender has the option of writing off your account as a bad debt and sending it to a collection agency.
Frequent Questions and Answers
Get the facts on purchasing a new or used car with bad credit. Learn about interest rates and the secure application process.
1.
 Are the loans from Carloans.us for purchasing new cars or used cars?
Our partner dealers handle both new and used cars. Your local participating auto dealer will work with you to determine the best situation for you, and select your car.
2.
 How long does the car loan application process take?
Times vary it could be a few minutes or in some cases up to 24 hours. You will be contacted immediately upon completion of the process.

It may take slightly longer if you applied on a weekend or holiday
3.
 What are the interest rates for my auto loan?
Interest rates are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk.
4.
 Can I get an car loan even if I have bad credit?
Of course! Our dealers will work with you every step of the way to help you get approved for your next car.
5.
 Will it help if I have a co-signer on the auto loan?
If you have a co-signer with a good credit status, this will definitely help your chances of getting an approval.
6.
 How do I check the status of my loan application?
If it has been over 48 hours since you submitted your application please contact us
7.
 Is the information I submitted secure?
Yes, we transmit the credit application using 128 bit Encryption
8.
 Are there any fees associated with your car loan application?
This is a completely free service.
9.
 If there is not an affiliated dealer in my area what happens to my application?
Your loan will be processed by one of our affiliate lending partners.
 
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