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Recent Personal Loan questions

Car loan - NO IDEA who to send this to :) this might be

Car loan - NO IDEA who to send this to :) this might be close???How is this possible? I apply for a theoretical car loan from a private party (not sure who i'll buy from yet or what) and they say they need the pink slip and everything which means I can't do the deal on the spot. Interest like 7%-23% for SECURED loan.Then I say what about a personal loan? UNSECURED and the rates are 6.5%-19.9% for 36 months max vs. 48 for the Secured loan. Why is unsecured lower??Also he got squirrely.... 'what's the personal loan for? Is it for the car? What would I tell my boss?" as if there's something elicit going on. If I want to use my personal loan for anything I want that's legal, I can..right?? Confusing....

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PDtax

Owner

Master's Degree

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If someone uses a line of credit tied to their investments

If someone uses a line of credit tied to their investments to pay off a home mortgage is the interest on the credit line tax deductible?

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

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16,802 satisfied customers
I have 4 high interest rate credit cards with a total

I have 4 high interest rate credit cards with a total balance of $12,556. I am disabled but have passive income of about 90k but have to prepare for VERY high medical costs coming up. I am thinking about a personal loan to pay off the cards but I have car lease with a year left with a balance of $3500 and I want to know if I should put the lease balance into the 60 month personal loan with a 7.5% interest rate. It will cut my total payments on the cards and car from about 600 to 320 a month but extend the payment on the car...I pay about 331 a month currently on the card minimums..

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PDtax

Owner

Master's Degree

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How much interest and penalty to pay will the irs charge me

how much interest and penalty to pay will the irs charge me for setting a payment plan of 44 months to pay off $17000 in taxes?

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PDtax

Owner

Master's Degree

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I live paycheck to paycheck, on public assistance, with good

I live paycheck to paycheck, on public assistance, with good credit and some small savings, but have never been able to get ahead. I can't afford to drive, and live with my family. I do have stable employment, but little advanced education. I recently thought of a radical idea to get ahead, and would like your opinion.I considered taking out a small personal loan, which I could and would pay off in a year or two, and invest the amount in the markets. I know it would take some time for the return on the investment to overcome the interest payments on the loan. But my thinking is, I'm in my mid-30's, and I likely won't be able to make any real gain short of winning the lottery. If I invest smartly however, I could possibly by retirement at least make it into the next tax bracket. However investment requires a lot of initial capital, which I don't have and almost certainly won't in even the distant future. But if I can use the loan for entry, I would at least have something accruing while I'm living poor, and otherwise meagerly trying to get ahead.

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Lev

Retired

Bachelor's Degree Equivalent

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24,192 satisfied customers
I have a Credit Score of 620 with 1 public record on my

I have a Credit Score of 620 with 1 public record on my credit report, no job at this time, with $362 of monthly SSI. I need a $5000 grant/loan. How would I be able to obtain this amount in these circumstances?

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JACUSTOMER-b0lr4fay-

Senior Tax Attorney

Master's Degree

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922 satisfied customers
Is the $25,000 associated with the 6,000 lb plus vehicles

For Lane: Is the $25,000 associated with the 6,000 lb plus vehicles part of the total allowed Section 179 deduction? In other words, if I purchase and finance a vehicle that meets the requirements under the 6,000 lb plus rule, and I expense $25,000 ofthat purchase, do I still have another $25,000 of Section 179 expensing available to me? Or did the vehicle deduction use up my allowed $25,000 of Section 179 expenses for 2015?

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

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16,802 satisfied customers
I want to take out a personal loan and have someone co-sign.

I want to take out a personal loan and have someone co-sign. I made hardly any money last year and this year (lived of life savings). The co-signer is retired, has a pension and good credit. Will I have problems getting a personal loan? Do you have suggestionson getting the best interest rate?

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USTaxAdvising

Partner

Bachelor's Degree

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1,660 satisfied customers
What kinda options are available with low credit

What kinda options are available for people with low credit scores in need of a one time loan to improve financial stability

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PDtax

Owner

Master's Degree

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6,784 satisfied customers
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