https://padlet.com/rblankenbeker/1njq282x5kqi en-us 2017-10-23 13:05:17 UTC 2026-01-04 14:44:11 UTC hello@padlet.com rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199547540 I need a loan of $200,000 for a new house]]> 2017-10-23 13:07:05 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199547540 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199547770 There are two loans I should look at, a bank loan or a payday loan.]]> 2017-10-23 13:07:38 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199547770 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199548074 A payday loan is a very short-term, high-cost loan that gives cash-strapped consumers the money they need until their next paycheck. ]]> 2017-10-23 13:08:15 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199548074 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199548865 With a payday loan, "you will need to submit a post-dated check to cover the amount of the loan, plus a finance fee charged by the payday lender, once money from your paycheck arrives into your account on payday." ]]> 2017-10-23 13:09:51 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199548865 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199549457 I probably won't take the full $200,000 as a loan, but I can use these loans to pay for smaller things as I save. I just have to make sure I pay the loan in full.]]> 2017-10-23 13:10:58 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199549457 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199550632 "A short-term personal loan has a fixed interest rate and fixed repayment period. Unlike payday loans, lenders make an inquiry into your credit when you apply for a personal loan. And each loan inquiry lowers your credit score a little bit."]]> 2017-10-23 13:13:32 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199550632 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199551502 With a fixed repayment period, I won't have to pay back the $200,000 at once, and a fixed interest rate will help me decide if I can afford the loan.]]> 2017-10-23 13:15:11 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199551502 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199552042 I'll have to make sure I only take loans from one or two issuers who I trust. " Many online lenders offer personal loans to people who have less-than-perfect credit but not all can be trusted," so I'll have to look out for them.]]> 2017-10-23 13:16:10 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199552042 rblankenbeker https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199552859 With my situation, I need a large sum of money that I can pay back over time. Also, since it's such a big loan, I'll need good interest rates that I understand and can factor into my decision. Because of these reasons a personal loan from a credited bank would be much more safe and reliable than a payday loan.]]> 2017-10-23 13:17:52 UTC https://padlet.com/rblankenbeker/1njq282x5kqi/wish/199552859