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Question

can a bank tell you how to spend a personal loan? Can they deny a loan for one purpose, but offer a loan of a larger amount for another purpose?

Submitted: 615 days and 4 hours ago.
Category: Legal
Value: $15
Status: AWAITING CUSTOMER ACTION
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Gillette, Wyoming

Posted by LEV 615 days and 4 hours ago.

Answer

Yes - the bank may limit the loan purpose or set a different interest rate based on the loan purpose. The bank may have its own loan policy.

The bank however may not limit the use of the loan based on the discriminatory reason - e.g., sex, age, race, religion, family status, national origin, military status, disability, etc

The bank may deny the loan based on the purpose or any other reason (unless that is a discriminatory reason).

615 days and 4 hours ago.

Reply

but can they tell me I can't buy a car, but can have the same amount to consolidate part debt?

Answer

The bank may dictate the purpose of the loan at the time you sign the loan agreement. As you both signed - you both should agree on the loan terms.

After the agreement is signed - the bank may not change the agreement and put any additional limitation how the loan should be used. If the bank do so - that would be a breach of the contract agreement.

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Expert: LEV
Pos. Feedback: 98.7 %
Accepts: 
Answered: 3/24/2008

Retired

Taxes, Immigration, Labor law

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