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Their market share will likely continue to grow as a U.S. bank regulator recently announced fintech companies, if approved, will be allowed to operate independently across the country under a single federal license. When applying for a loan you are asked what amount of money you want to borrow from a lender such as a bank, credit union or online lender. Once approved, the money from a personal loan can be used for anything you choose, be it paying off credit card debt, medical expenses, consolidating other debts, or buying a new appliance. To pay back a personal loan, you make the same payment amount over the set amount of time until the loan is completely paid off.

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Occasionally, a fraudulent loan company will offer outrageous loans and loan terms with a catch: You have to pay the first few months of payments to qualify. “They usually ask for these funds via Western Union or Moneygram,” says Detweiler. “But it’s a complete scam.” No reputable lender would ask you to pay money upfront. “Do not pay money upfront for a personal loan under any circumstances,” she says.

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Be prepared to answer questions : You might need to answer some questions about your financial situation, like verifying your employment status or your monthly income. If you’re self-employed, you’ll probably be asked for some follow-up information. You’ll also need to wait while the lender runs a hard credit check, and you could have to answer some questions if there is anything unusual in your credit history.

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It might be easier to get a personal loan from a bank where you already have a relationship. The bank will probably want to know what you’re going to use the money for and might even have a better loan for your needs. As with any other loan, choose your personal loans wisely and borrow only what you can afford to repay. Take time to calculate what your monthly payments will be so that you’re sure you can incorporate those payments into your budget. Compare rates before settling on a lender. You might want to try to borrow less or give your credit score some time to improve if you’re being offered money at high interest rates.

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You’ll have a set period of time to repay your personal loan. Loan periods are usually stated in months: 12, 24, 36, 48, or 60. Longer repayment periods lower your monthly loan repayment by dividing the principal amount borrowed by more months, but you’ll also pay more in interest than if you had a shorter repayment period because interest is added on per payment. Your interest rate can be tied to your repayment period as well. You might get a lower interest rate if you finance the loan over a shorter period. Having an open loan can affect your ability to get approved for other credit cards and loans, so you might not be able to borrow more for an additional two years if you take the loan out for five years rather than three. And it’s not always possible to pay the loan off early if you find yourself in this predicament. Some loans have a prepayment penalty for paying off early.

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“Don’t borrow money and go into debt for a vacation,” Detweiler urges. “You’ll come back from vacation in debt. Save the money instead, or have a staycation.” Like vacations, a wedding financed with debt is rarely a good idea. “Don’t start your marriage in debt,” says Detweiler. If you have to use a personal loan for your wedding, make sure you shop around for a loan with the lowest interest rate and best terms. If you believe you could pay the balance off in a short amount of time, you may also be better off with a 0 percent APR credit card.

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Small Business Loan FAQs — What is an SBA loan? How much can you borrow? What are the fees and interest rates? Get answers to these and other commonly-asked questions about small business loans. How to Qualify for a Small Business Loan — Before applying for a loan through the Small Business Administration (SBA), find out what it takes to qualify. There’s a long list of eligibility requirements, and an even longer list of things that could make your business ineligible. What is a Business and Industry Loan? — Is your business in a rural community? The USDA provides guarantees of up to 80 percent of a loan made by a commercial lender. Get the facts about the USDA Rural Development, Business & Cooperative Programs.

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As we mentioned, a personal loan is easy to grasp. You borrow money at a fixed interest rate, over a fixed amount of time, then you pay a fixed monthly payment until your loan is paid off. While the terms of your personal loan can depend on an array of factors, these loans are typically offered in amounts up to $35,000. You may be able to borrow this amount for any length of time from 12 months to 20 years. In addition to the interest rate you’ll pay, personal loans may also come with an origination fee which can range from 1 percent to as high as 8 percent at some lenders, according to a review of personal loan terms on MagnifyMoney.com. On the bright side, it’s a competitive business and many lenders charge no origination fee or any other fees upfront.The real costs to worry about with personal loans involve the APR. Interest rates charged through personal loans can vary quite a bit, and they are typically higher than you see with secured loans such as home equity or auto loans. That’s because personal loans are unsecured debts. Whereas a secured loan — think home or auto loan — is secured by an underlying investment (in these cases, a home or car), unsecured loans aren’t secured by an investment. The banks are taking on a greater risk lending without any collateral, so they charge higher fees and APRs as a result.

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As we mentioned, a personal loan is easy to grasp. You borrow money at a fixed interest rate, over a fixed amount of time, then you pay a fixed monthly payment until your loan is paid off. While the terms of your personal loan can depend on an array of factors, these loans are typically offered in amounts up to $35,000. You may be able to borrow this amount for any length of time from 12 months to 20 years. In addition to the interest rate you’ll pay, personal loans may also come with an origination fee which can range from 1 percent to as high as 8 percent at some lenders, according to a review of personal loan terms on MagnifyMoney.com. On the bright side, it’s a competitive business and many lenders charge no origination fee or any other fees upfront.The real costs to worry about with personal loans involve the APR. Interest rates charged through personal loans can vary quite a bit, and they are typically higher than you see with secured loans such as home equity or auto loans. That’s because personal loans are unsecured debts. Whereas a secured loan — think home or auto loan — is secured by an underlying investment (in these cases, a home or car), unsecured loans aren’t secured by an investment. The banks are taking on a greater risk lending without any collateral, so they charge higher fees and APRs as a result.

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Taking a personal loan to cover medical expenses “can be very helpful, especially if it keeps you out of collections,” Detweiler says. Before you take this step, however, you should speak to your provider to see if it offers a payment plan. If so, you may be able to make payments on your outstanding medical debts without paying interest.

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Small Business Loan FAQs — What is an SBA loan? How much can you borrow? What are the fees and interest rates? Get answers to these and other commonly-asked questions about small business loans. How to Qualify for a Small Business Loan — Before applying for a loan through the Small Business Administration (SBA), find out what it takes to qualify. There’s a long list of eligibility requirements, and an even longer list of things that could make your business ineligible. What is a Business and Industry Loan? — Is your business in a rural community? The USDA provides guarantees of up to 80 percent of a loan made by a commercial lender. Get the facts about the USDA Rural Development, Business & Cooperative Programs.

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If you are deciding to apply for a personal loan, be careful when considering which one is right for you. Finding the best offer can help you avoid affecting your credit score. Here are some common things to consider when choosing the right personal loan: Know before you apply: Do you know what your credit score is and have you checked your credit report recently? Before you apply for a personal loan you want to make sure that you know your credit history. Understand the difference between a personal vs. debt consolidation loan: A personal loan with a lower interest rate to pay off the balance of a credit card can be a good option. However, if you have a few different debts to pay off, you may consider looking into a debt consolidation loan as an alternative. Understanding which one best matches what you need is important. The terms of the loan: Make sure the terms of the loan make sense for your credit profile. To do that, check the interest rates and the length of the loan in order to find a monthly payment amount that is right for your budget. Lower interest rates are great but can also make for a longer repayment term.

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A personal loan is as another form of credit you can use to make a big purchase or consolidate your debts. Personal loans usually come with lower interest rates than credit cards, so they often can be used to consolidate multiple debts into a single, affordable monthly payment. While the total personal loan debt is much smaller than other consumer categories, personal loan originatios have grown steadily for the last five years. (If you feel a personal loan is right for you, check out Experian CreditMatch.)

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Personal loans versus credit cards According to Paul Gentile, president of Cooperative Credit Union Association, there are definitely times where a credit card may be better than a personal loan. “A credit card can be used to purchase something, so that can offer more flexibility,” he says. Credit cards can also be a great deal if you pay them off monthly, he notes, since you have the potential to earn rewards. Lastly, credit cards can be beneficial for certain short-term purchases since many offer 0 percent APR for 12 to 21 months. On the flip side, “a personal loan may be better for someone who wants to make a large, intentional purchase that they planned for.” Personal loans also offer the benefit of a fixed payment and payoff date, whereas credit cards can literally tether you to payments indefinitely if you keep using them for purchases.

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Wait for a reply : Once the lender has all of the necessary information, they’ll carry out the underwriting process. This is where they calculate your level of risk in order to decide whether to give you the loan and what rates and terms to offer. Most online lenders will give you an initial response within a few minutes, but you’ll have to wait a little bit longer for final approval. Thanks to their advanced algorithm, most online lenders will let you know if you’ve been approved within a couple of hours, or at least by the next business day.

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If you’re considering a personal loan, here’s what you’ll need to qualify: Good or excellent credit – Some personal loan companies will approve you with a credit score as low as 580, according to MagnifyMoney’s parent company, LendingTree. But having very good credit (a FICO score over 740) will put you in a position to qualify for a personal loan with the best interest rate and terms. Proof of ability to repay – You need to be able to show your ability to repay your loan, usually with pay stubs or other evidence of employment. Low debt-to-income ratio – Lenders may be hesitant to lend you money if your debt-to-income ratio is high. This ratio is determined by taking your total monthly recurring debt and dividing it by your monthly income. Discover Personal Loans notes that borrowers with a debt-to-income ratio below 36 percent may qualify for the best terms and rates on loans and mortgages. Co-signer – If your credit score is poor, you may need a co-signer with good credit to help you qualify for a personal loan.

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If you are deciding to apply for a personal loan, be careful when considering which one is right for you. Finding the best offer can help you avoid affecting your credit score. Here are some common things to consider when choosing the right personal loan: Know before you apply: Do you know what your credit score is and have you checked your credit report recently? Before you apply for a personal loan you want to make sure that you know your credit history. Understand the difference between a personal vs. debt consolidation loan: A personal loan with a lower interest rate to pay off the balance of a credit card can be a good option. However, if you have a few different debts to pay off, you may consider looking into a debt consolidation loan as an alternative. Understanding which one best matches what you need is important. The terms of the loan: Make sure the terms of the loan make sense for your credit profile. To do that, check the interest rates and the length of the loan in order to find a monthly payment amount that is right for your budget. Lower interest rates are great but can also make for a longer repayment term.

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Taking out a personal loan can help you borrow the money you need to achieve any goal, but that doesn’t mean these loans are without risk. Some of the perils you’ll face when taking out any loan include:Overspending – A personal loan can be the answer to your prayers, but some experts say they’re almost too easy. “No one is going to question what you’re spending the money on, so you might use this loan to justify things you shouldn’t really buy,” says Detweiler. “If you go overboard, you can end up with debt that takes years to pay off and a lifetime of regret.” Damage to your credit if you don’t repay the loan – Obviously, your personal loan may go off without a hitch if you don’t borrow too much and can always afford your payments. “But if you can’t afford your payments due to job loss or another issue, your credit will see damage,” Detweiler explains. That damage can ruin your credit, or even lead to collections or bankruptcy. Bad financial habits – Getting into the habit of constantly borrowing money can make your life more difficult, she adds. While personal loans can be easy to get, relying on credit over and over can leave you short on cash to reach other financial goals.

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Information on Auto Loans and Leases — Should you buy or lease a car? And either way, how do you get the best deal? This comprehensive collection of articles covers the basics of auto loans and auto leases, including what to do if your car is repossessed, how to extend an auto lease, and more. How to Finance a Recreational Vehicle — Whether it’s a lifelong dream or something more spontaneous, buying an RV is a huge financial decision that deserves in-depth consideration and research. This is a good place to start. The Vicious and Costly Cycle of Title Loans — When you get into a tight financial spot, you have to make tough decisions. But these choices should not include a title loan. Get the facts about these costly loans that are never a good financial decision.

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A personal loan is as another form of credit you can use to make a big purchase or consolidate your debts. Personal loans usually come with lower interest rates than credit cards, so they often can be used to consolidate multiple debts into a single, affordable monthly payment. While the total personal loan debt is much smaller than other consumer categories, personal loan originatios have grown steadily for the last five years. (If you feel a personal loan is right for you, check out Experian CreditMatch.)

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Buy Summer Infant In View Digital Color Video Baby Monitor

 

List Price:     $129.99
Price:     $96.77 & FREE Shipping. FREE Returns. Details
You Save:     $33.22 (26%)
In Stock. Ships from and sold by Amazon.com in easy-to-open packaging. Gift-wrap available.

 About the Product

5.0-inch portable flat-screen color LCD handheld video monitor operates on 2.4GHz wireless digital technology
Digital zoom camera with automatic black and white night vision
Sound activated LED lights
Low battery and out of range indicators, with range up to 600-feet/182.88-meters
Add up to 3 additional cameras, Summer Infant item # 29190/Amazon item # B00I3K1IXW

Item Description Summer Infant In View Digital Color Video Baby Monitor

Size: One Camera

Summer Infant In View Digital Color Video Monitor

Extensive 5″ level screen shading LCD video screen with advanced zoom and rechargeable batteries for handheld versatility. Advanced innovation guarantees a private and secure association giving folks significant serenity, day and night.

Highlights:

5″flat screen with shading LCD video show and programmed high contrast night vision

100% advanced innovation for protection and security, with an extent up to 600-feet

Advanced zoom for closer perspectives on screen

Sound enacted LED lights, power-sparing one-touch video on/off, and low battery and out of extent markers

Swivel camera plan takes into account ideal situating on child, for tabletop or divider (mounting equipment and security cuts included)

Customizable volume and splendor controls

Expandable framework – add cameras to screen various youngsters or rooms with video and sound output between rooms, up to 4 downright (additional cameras sold independently, thing #29190)

+++++++++++++++++++++++++

See all 298 customer reviews

Digital Transmission Produces Choppy Video
By Scooter VINE VOICE on April 30, 2014
Size: One Camera Vine Customer Review of Free Product ( What’s this? )
We’ve been using the 900 MHz analog Summer monitors for about five years with pretty good success, so I was looking forward to checking out this new generation. While moving from analog to digital signal introduces some new functionality, it takes a big step backward in one important aspect: smoothness of the video feed.

With the 900 MHz analog system, watching our child was like watching television. You could pick up on the subtlety of movement. In our case, this is very important, as our son has seizures. With this digital system, however, it was more like watching a webcam over the Internet, even though the signal isn’t leaving your house. The motion was like a silent movie. It looked like 15 fps compared to the analog system’s 30 fps.

The speaker on the monitor was also very weak. It was very hard to hear what was coming across, especially compared to the very loud and clear analog system.

Being able to use the remote displays on battery was a nice feature, although the batteries seem to go dead weather you are using them or not.

The new on-screen display of signal strength was pointless.

I tested both the Wide View and In View systems, and didn’t feel the Wide View was worth the extra cost. Yes, it was a wide view, but because it was showing a wider area, it showed less detail. I was also underwhelmed by the digital zoom (as I’ve usually been by digital zoom on almost any camera).

For my purposes, and compared to the earlier generation, I feel this product rates about two stars. However, I’m giving it three, since it seems to function as designed. That said, I find it to be a very flawed design.
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33 of 38 people found the following review helpful

Really disappointed in the video quality
By PGK21 on August 9, 2014
Size: One Camera
Really disappointed in the video quality. More upset I paid 150 for it at target. Will be returning it. I had a Samsung one, smaller screen but had a wayyyyyy better picture. I will be going back to that one, the small screen won’t kill me. But the inability to see my son might!
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44 of 53 people found the following review helpful

Horrible video quality
By Renata Berni on June 22, 2014
Size: One Camera Verified Purchase
I am very disappointed with this purchase. I absolutely love technology and did so much research on what baby monitor to get. I wanted a big screen and good quality. But the quality is SO poor I might have a broken model. Nowadays you can buy a cheap webcam anywhere and the video quality is amazing. I can’t understand why a baby monitor this expensive would have such poor video quality. The color is totally off… It has this blue and pink tint everywhere. I haven’t tried using it at night yet but the first time I turned the lights off.. Everything got really dark.
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See all 298 customer reviews