what should i do ?

Question

I have good credit now but i hav e aloan with citfinicanial and would like to get away from them they keep adding stuff onto my bill that i never told them to but to scared to go to a bank and do not know what bank to go to I already have 3 small loans out right now
i would like to get a bank to pay all these off for me and make one lump payment and be done with it
any suggestions ?

Answer 1

that would be BILL CONSOLIDATION. that is when you get a loan to pay off all your other loans, then you only have to pay off the one bigger loan. good idea.

Answer 2

Try and see if the bank that you have been dealing with - checking, savings etc, will give you a loan.

Or find a credit union and join.Most credit unions are generally a notch above your average bank as far as getting loans, better interest rates etc.

Talk with your friends and family, see what banks or credit unions they use and how happy they are in dealing with them.

Either way, bank or credit union, you will probably end up with a much better interest rate than with citifinancial. While they are good for people with bad credit, since you say yours is good, you don't need them.

Do your homework on the banks and credit unions first before you apply. Go and get brochures, speak with them etc and think about the information you get from them before you let them pull your credit.

Answer 3

go ahead and go to the bank and tell them what you want to do ok and have 1 payment instead of 3 and for gods sake don't ruin your credit with those crooked loan places