Reconsolidating car loans

26-Jul-2016 11:57

If I received this loan, I'd pay off both car loans, but I don't want to take action on this offer unless it makes financial sense and reduces my interest rate, my monthly paymets, and does not reduce my creditworthiness.If I received a favorable interest rate, I'd select a term that would put my monthly payment significantly below where it is now with 2 car payments, and I'd continue to make principle payments to reduce the loan balance, but I'd have some flexibility should cash get tight.That's where debt consolidation and other financial options come in.Consolidate Your Debt Now Debt consolidation is combining several unsecured debts — credit cards, medical bills, personal loans, payday loans, etc. Instead of having to write checks to 5–10 creditors every month, you consolidate bills into one payment, and write one check.In cases like this, consolidating your student loans could help you manage your loans more efficiently. Here’s what to keep in mind before you dive into student loan consolidation.If you have multiple federal student loans and want to simplify your payments, consolidating can be a smart strategy.For example, what if interest rates go up, or you fall ill or lose your job?

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You might have a mix of both federal and private loans and have several different loan servicers.You consolidate loans by rolling all your little loans into one bigger one.To come out ahead, you need to find a consolidation loan with a low interest rate and a reasonable term.These are not quick fixes, but rather long-term financial strategies to help you get out of debt.

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When done correctly, debt consolidation can: There are several ways to consolidate debt, depending on how much you owe.I just received a "pre-approved" offer for a personal loan of up to ,000.

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