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Personal loan question
Posted on 7/30/17 at 7:03 am
Posted on 7/30/17 at 7:03 am
Looking to take out a personal loan for 15,000. Have excellent credit and should be able to get a great rate. How do I shop around without having my credit run too many times?Probably a stupid a question because I assume you can't be told what the rates are until they run your credit, but I'll ask anyway.
Posted on 7/30/17 at 8:17 am to SelaTiger
If you know what your score is they can tell you a ball park rate if you call around.
Posted on 7/31/17 at 3:14 pm to SelaTiger
I believe you can have your credit checked numerous times within a specific window of time and it basically counts as one ding. (I think its a month-loan officer can probably tell you) Otherwise how could you reasonably shop things like a home loan etc
Posted on 7/31/17 at 3:32 pm to SelaTiger
Check online with Lighstream. The lowest my credit union would go on a personal was 9.1 and I got it for 4.3 with lightstream.
Posted on 8/1/17 at 3:42 pm to SelaTiger
interest rates on personal loans at banks are hard to get under 8% even with good credit.just an FYI
Posted on 8/1/17 at 10:04 pm to SelaTiger
I also believe just checking rates is only a "soft" inquiry and this will not effect your credit score. Some of the credit bureaus do not even present the soft hits on your report.
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