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I've just took a loan and never activate my credit facility can i go back and activate it

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SORRY but only your lender can assist you on this question. FIXYA does not have that information

Posted on May 08, 2017

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Posted on Jan 02, 2017

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What Is A Revolving Credit Facility, RLOC Or Revolver?


A RLOC allows a borrower to borrow, pay off and re-borrow as required over the existence of the loan facility.

Sep 01, 2016 | Optics

Tip

What is a Line of Credit? Lines of credit for individuals seeking extra finance...


What is a Line of Credit?


Lines of credit for individuals seeking
extra finance options are called ‘Personal lines of credit’ and it’s not as
complicated as it sounds.





Basically – lines of credit is just one
of the many ways that people are able to pay for things that they can’t
necessarily afford at that time.



Everybody has situations in their lives
that require some extra money that they didn’t plan for. One of the options at
times like these is to take out a loan but the downside of taking a regular
loan is that you get the sum you need all at once and sometimes you end up
spending more than you should have as your costs might build up slowly over
time.



A personal line of credit lets you draw
on the credit as and when you need it ie when you suddenly have an unexpected
cost.

In general, the interest rates on lines
of credit are quite low and they allow you to reach quite a high limit.


The biggest advantage to a line of
credit over a loan is that you make payments only on the credit that you’ve
actually used.


There are 2 types;

Secured lines of credit:
These lines of credit are backed by
collateral, such as your house or business.


Unsecured lines of credit;
These are for people who maybe don’t
have any collateral to back their credit line, as a result the interest rates
tend to be much higher.


Always read the small print before you
sign on anything!!

on Dec 25, 2013 | Finance

Tip

Tips for Driving Down the Price of Your Auto Loan


Here are some helpful tips for taking out an auto loan:
Before you sign on an auto loan, make sure to compare interest rates. The car dealership may not offer you the best rate. Check other lenders such as banks and credit unions. (Credit unions usually have better rates.) There are many sites online that compare interest rates from different lenders.
If you are able to come to the dealership with a pre-approved loan, you can focus your energy on negotiationg a better price for the car. Once you've been told you have a loan, make sure you have the loan in writing before you buy the car. Your credit score may not be high enough to be eligible for the loan you are offered. That's why it's important you know your credit score, so that you can better negotiate your interest rate on the loan.
Also, avoid loan stacking: Car dealerships may offer you a new loan that will help you pay off a loan on your previous/current cas as well as finance a new car. This is never a good idea. Agreeing to this type of loan means that you are taking out a much bigger loan than you need to.
Try to pay off as much as you can up front, so that you won't need to be paying off the car for years and years to come. In general, it's always a good idea to avoid long-term loans. Although these usually come with low monthly payments, your car's value could decrease signigicantly before you pay off the loan. You may be stuck paying off a loan for a car you no longer even want.
Also, be sure to ask if there are any penalties for paying off your loan early.
I hope these tips helped you with purchasing your new car!

on Sep 23, 2013 | Finance

1 Answer

How The Working Capital Loan Is Normally Structured?


Working capital loans are modified to suit the appropriate requirements of the business, in any of the assorted tools available or structured as an arrangement of cash credit, demand loan, bill financing and non-funded facilities.

Mar 25, 2016 | The Computers & Internet

3 Answers

Will Bad Credit History Disqualify My Loan Application?


If you will apply for a Bad Credit Guarantor Loans, your loan will be successful.
These loans are given to those who are having a bad credit status or suffering from financial problems and wants to improve their credit status.
You should have an agreed and happy guarantor in your support for applying for this loan.
badcredit-rmhb0m0grhvlbazhjgi3ds2h-1-0.jpg

Jan 08, 2016 | Computers & Internet

Tip

Top business loans to consider


<span>When it comes to starting a business or even financing your existing business there are a few options for types of loans that you can consider. They all have both positive and negative sides to consider but having all the information that you can get is the most important thing you can do. The three most popular business loans are SBA loans, lines of credit loans and revolving lines of credit.</span><br>SBA loans are loans that are made through local banks and the money borrowed can be used for a variety of purposes like equipment or furniture. The application process for these loans can be a bit difficult and are hard to qualify for because they want to guarantee that they will be getting the money back.<br>Line of credit loans are short-term that are normally used as operating cash because they are relatively small amounts of money that are deposited into your account and can be used on a need basis. For these loans you pay interest based on how much you borrowed and the money has some limitations like it cannot be used to buy property or equipment. If you do take out a line of credit loan you are going to want to pay it back promptly because late fees and interest can make them get expensive quickly.<br> Revolving lines of credit loans are similar to those of line of credit loans only when you pay back the borrowed amount the lender will allow you to borrow the same amount again. These loans are good for business that are using loans to purchase inventory and build their cash flow.

on Sep 01, 2013 | Finance

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