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post #1 of 16 (permalink) Old 02-11-2007, 07:12 AM Thread Starter
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Lending Tree?

Has anyone used this to find a good rate on a motorcycle loan? What'd you think?
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post #2 of 16 (permalink) Old 02-11-2007, 07:42 AM
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post #3 of 16 (permalink) Old 02-11-2007, 08:26 AM
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I have used them for something I don't remember what. It was fast and simple. I have also used capital one finance and the same thing.

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post #4 of 16 (permalink) Old 02-11-2007, 10:17 AM

 
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+1 on CapitalOne
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post #5 of 16 (permalink) Old 02-11-2007, 12:37 PM
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+1 on CapitalOne
+2 I've used them as well.




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post #6 of 16 (permalink) Old 02-11-2007, 02:35 PM
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I used the credit union from my work to buy my new bike.
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post #7 of 16 (permalink) Old 02-11-2007, 06:05 PM Thread Starter
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capital one is ridiculous. 10.69%

so far I've found 6.99% through a credit union. I think I might go with that. Haven't done lending tree yet as I want to lower the available credit on one of my cards first and I can't do that until tomorrow.
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post #8 of 16 (permalink) Old 02-11-2007, 07:38 PM
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I want to lower the available credit on one of my cards first and I can't do that until tomorrow.
why would you do that? it will hurt your credit rating if you are carrying a balance on that card.

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post #9 of 16 (permalink) Old 02-11-2007, 08:05 PM Thread Starter
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Why would I do that? To have less potential debt to income. I have a credit card with $0 on it that has an available line of credit for $9000. If I lower it to say $2000 it should make the loan easier to get correct?
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post #10 of 16 (permalink) Old 02-11-2007, 08:07 PM
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credit unions are gonna be your best bet for a loan. hands down

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post #11 of 16 (permalink) Old 02-11-2007, 08:12 PM
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Quote:
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Why would I do that? To have less potential debt to income. I have a credit card with $0 on it that has an available line of credit for $9000. If I lower it to say $2000 it should make the loan easier to get correct?
It could have a hundred bajillion dollar line of credit and it wouldn't matter if it has a zero balance.
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post #12 of 16 (permalink) Old 02-11-2007, 08:37 PM Thread Starter
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It could have a hundred bajillion dollar line of credit and it wouldn't matter if it has a zero balance.
Are you sure about that? I don't think that's necessarily true because it still counts as an open line of credit..
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post #13 of 16 (permalink) Old 02-11-2007, 08:49 PM
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credit unions are gonna be your best bet for a loan. hands down
My credit union was 6.9%. The people there are really good and very nice, they take the money right out of your check, so no chance of missing a payment. And the checks from my credit union have a choo choo train on them.
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post #14 of 16 (permalink) Old 02-11-2007, 08:50 PM
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I have heard it both ways over the years. I have heard that a zero balance card is considered potential debt, but i have also heard that having a zero balance is good credit.




HDTony.... Damn glad to meet you!

Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.

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post #15 of 16 (permalink) Old 02-11-2007, 09:07 PM
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Are you sure about that? I don't think that's necessarily true because it still counts as an open line of credit..
It depends on the history of that card, and how many other cards you have. If you have a bunch of other cards, I would probably close it.
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post #16 of 16 (permalink) Old 02-11-2007, 10:15 PM
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Anything under 10% on a used bike is a good deal. If a CU will give you 6.9 take it and run.

Isn't it ironic to be so worried about your debt to income ratio in the context of going into debt for a new toy?


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