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The Bill Consolidation Loans allows you to combine several bills into one monthly payment at a rate lower than most bank credit cards. If you have a Loyalty Checking Plus relationship and make electronic payments for the full term of your loan, your interest rate will be 1/2% below that for other payment methods. See below for more on qualifying repayment methods. Rates are also based on your personal credit history. Repaying is easy. You can set up your loan for weekly or monthly payments. Each payment will be the same amount. That amount, and how your previous payments were applied to principal and interest, are shown on your regular monthly statement. You can repay electronically and qualify for our best rates any of three ways. You can repay online with PC Branch with a simple transfer from any of your savings accounts. When you set up Automatic Transfers with PC Branch, it's even more convenient. You can also make loan payment transfers by phone with Easy Touch. Finally, you can have us automatically make the payments by automatic transfer for you. All you need to do is fill out and send us your authorization form.
You can even make Loan Principal-Only Payments on Easy Touch. In addition, you can repay at an ATM, at any branch, or by mail with a loan payment coupon. These methods do not qualify for our best rates.
While a Bill Consolidation Loan is convenient, it may not always be the most economical way to reduce the number of bills you receive. Here are two money-saving alternatives:
Debt and bill consolidation is one of the best ways to eliminate monies owed out, with the possibility of doing this at a lower interest rate, saving money in the long run. If drowning in debt where there seems to be no end, consolidation may be the best option. It is important to understand everything about the service and what the obligations are before making a final decision though. When it comes to any financial services, often there are hidden costs or fees that may not be acceptable if known about.
When allowing someone else to handle personal finances and monies, it is important to have all the facts. There is such a myriad of companies out there that can help with financial problems, that finding the one that is best suited should not be difficult. These consolidation services can be found in abundance on the Internet, therefore allowing for comparison of services, including personal obligations that may be required. Get educated before signing on the dotted line as this commitment will last for quite a period of time. Always insist that the debt and bill consolidation company send a settlement offer in writing before paying them any money towards that debt.
Signature loan is perfect for debt consolidation, taxes or other expenses. If you need quick easy cash with no collateral required, a signature loan could be right for you. Signature loans provide many benefits, including: 24-hour online application, Quick and easy application process, Fixed interest rates and fixed monthly payments, Signature loans can be used for almost any of your financial needs
When choosing a consolidation company, ask about the elimination of interest as well as the cessation of late payments, as this can be the element that can save a lot of money in the long run. The benefit of paying off debts can be counteracted by the addition of late fees and/or interest. Make sure the debt and bill consolidation company is doing all they can to improve the present financial situation. Don't be afraid to ask questions about their services. If they are morally upright they will be more than happy to answer any questions.
Choosing to consolidate does not eliminate the bills every month but it does decrease them as they are bundled into one overall debt. Reevaluate the present budget, looking for ways to cut costs and work with the new payment to avoid the recurrence of this same situation in the future. This is a great time to practice new money management skills to attain a new fresh start.
Consolidation is one way to relieve the stresses of monies owed out that cannot be paid, however do not take this as a 'way out'. God wants us to pay all our debts back and that is what debt and bill consolidation will do. Keep up or ahead on payments, therefore reaping the benefits of the financial freedom this experience will bring.