个人贷款可以用来做什么?
Personal loans are among the most common financing options for a good reason. 它们很容易获得, 不需要抵押品, and their interest rates are usually much lower than other financing options, 比如信用卡. The following are a few common uses to help you decide if a personal loan is best for your needs.
车辆维修
With the cost of new vehicles rapidly increasing, many people are keeping their used cars for as long as possible. Although today’s vehicles are much more reliable than they used to be, 它们仍需要偶尔修理.
Although it’s much more affordable to keep an older car running than it is to buy a new one, 维修费用仍然很昂贵. A personal loan can be used to pay for unexpected repairs when they are needed. You can then repay it over time with fixed 按月支付 and a fixed interest rate.
债务合并
If you have one or more sources of high-interest debt, 比如信用卡或信用卡债务, a personal loan can be used to consolidate it. gpk电子游戏官网 (GPK电子游戏) offers a 债务合并贷款, 例如, with terms of up to 84 months and no loan origination fees. Instead of repaying multiple debts that are hard to keep up with, you can repay one loan instead.
Another option to consider for debt consolidation is to go through a structured program offered by a non-profit debt counseling agency, 就像GPK电子游戏的合作伙伴提供的那样, 平衡. 如果你参加了其中一个项目, a credit counselor will work with you to develop a plan to repay your unsecured debts within 1-3 years.
移动的成本
Let’s say you’ve decided to move from New York to San Francisco. 这么大的变动可能会非常昂贵, and a personal loan can be used to pay for a moving truck or moving company, 包装用品, 以及其他搬家费用. This allows you to complete your move without worrying about how to pay for it.
宠物的费用
宠物是家庭的一部分, 所以当他们生病或需要手术时, you want to make sure to have the money on hand to take care of those expenses. GPK电子游戏的 Lend-A-Paw personal loan can help you pay for those emergency room visits, 药物, 手术, prescription food—everything to keep your pet healthy and happy!
This loan allows you to borrow anywhere from $500-$50,000, with repayment terms from 61 days to 84 months.
医疗费用
Even the best health insurance doesn’t cover everything. The cost of copayments, deductibles, tests, and treatments not covered can add up. Surprise bills for out-of-network medical practitioners or facilities can also catch you off guard.
In that scenario, a personal loan could be used to pay your medical bills. This lets you avoid calls from collections agencies or end up with a reduction in your credit score if you can’t afford them.
回家修理
The average home needs about $1 in home repairs annually for every square foot of living space. 如果你的屋顶突然开始漏水, 你家地下室的水管爆了, or you discover that termites have destroyed your sub-flooring, a personal loan can be used to pay for those repairs.
An important benefit of using a personal loan for home repairs is that it usually only takes 1-5 business days to get approved. 甚至更好的, 文件齐全，信用良好, you can get cash in hand the same day that you apply for the loan.
另一种选择是取出a 房屋净值贷款. GPK电子游戏的房屋净值贷款提供固定利率, 一次性借款的能力, 灵活的还款条款, 其他好处包括! These loans can be used not just for home repairs but also for milestone life events like weddings or big family vacations.
家居改造项目
A home remodeling project can turn a dull and dated room into a place that’s warm, 邀请, 和舒适的. Certain remodeling projects can even increase the value of your home. 如果你加一个车库, 例如, 它不仅会给你的生活增加方便, 但它会增加你的房屋净值.
A personal loan allows you to borrow the money you need without having to use high-interest credit cards. 除了在利息上省钱, 你可以分几年偿还贷款, 这有助于预算.
你也可以申请 房屋净值信贷额度 (HELOC) and borrow up to 70% of your home’s equity to fund renovations, repairs, and upgrades.
特别活动
A special event like a wedding can be very expensive when you calculate the venue, 供应商, 这条裙子, 环, 蜜月——这样的例子不胜枚举! 但是GPK电子游戏的低利率个人贷款, you can pay those bills upfront and then pay off the loan in fixed, 按月支付.
This way you can focus on making your special day exactly how you’ve planned it, instead of worrying about how you will pay for it all!
教育费用
Many people finance their education with student loans. But tuition, books, and housing may not be your only expenses while you’re in school. Just a few things you may need extra money for include:
- 实习服装
- 夏天储存
- 留学费用
- 一台新的笔记本电脑
- 俱乐部、运动和希腊生活
If you’re suddenly faced with an unexpected expense, a personal loan can be used to cover the cost and be an important lifeline when you’re living away from home and need some extra money.
个人贷款 With gpk电子游戏官网
If you’re in a circumstance where you need to borrow some money, GPK电子游戏 offers personal loans with competitive rates and no loan origination fees. Loan amounts start at $500 and repayment terms of up to 84 months are available.
Applying for a personal loan with GPK电子游戏 is quick and easy. You can apply online, by phone, or at one of our branches. If you’re approved, you can obtain the money the same day.
Before you apply for a personal loan, there are some important things to consider. 点击下面了解更多!