LOANS (GM)

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LOANS (GM)
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  • Hey Bryson. Why do you look so sad?
  • I was trying to get a car loan or planning to start a business. But then, they looked at my credit score and said it was very low. I doubt if I can get a loan.
  • Don't worry too much, I can help and inform you on the basic things you need to know about credits and getting loans.
  • Wow Liam. That would be really cool. I didn't know what I would do without your help.
  • Business Loans may also require collateral and business owners to sign as a guarantor. You must also submit a credit report, income tax returns and the company's financial statement. It has a shorter term to pay and higher interest rate.
  • The first thing you need to know is there are two types of loans: consumer and business loans. Consumer loans are money lent to you for personal or family purpose. On the other hand, Business loans are money lent specifically for a business purpose.
  • Consumer Loans may require collateral but does not require a guarantor. You must submit your credit report, bank statements, and income tax return. If you are employed you should also submit a certificate of employment and employee pay slips. It has a longer term to pay and lower interest rate.
  • That's really interesting. I never knew that about loans. I still have a question. What is a credit score and how can I improve mine?
  • Those are two good questions because your credit score essentially shows your credit worthiness. It determines whether a bank or lender will approve you for a credit card or loan. Your score is based off of your financial decisions such as payment history and not showing much risk. A good credit score is from a range of about 750-850.
  • Thank you for your help Liam. Now, I have a way better understanding about loans or credit scores. I think I can buy a car and start my own business.
  • Anytime Bryson. It's not a problem at all. I'm glad I could help you. I'm so happy for your business and new car.
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