J. asked:


Never taken out a loan, and have had one credit card for the last three years, so I am a complete novice when it comes to all these bank terms. For what it’s worth, I bank with USBank.

Anyways, I need a new computer, for which I don’t have the funds. I looked around on the USBank website, and found two options that looked interesting: Personal Loan, and Premier Line if Credit.

About the loan: How does that work? Does the money go into one of my accounts (I have checking, savings, and a Visa with them)? Or is it managed like an account of it’s own?

About the credit line: Is it really hard to get approved? Should I just apply for another credit card?

I know I should just go to my bank and ask, but I would like to get to know more first, and see if anyone has any experiences they can share. Thank you!

Joann

Johnny asked:


If someone were to grant a large personal loan to someone else (100K or larger) what are the tax liabilities or responsibilities of the lender and the borrower - if any?

Karl

Rachel H asked:


I am a private-sector employee and urgently need to apply for a personal loan. Can someone compare HSBC, Citifinancial, BDO and other Philippine banks side by side?
Which one has the lowest rates? Which one has the fastest processing? Which one is the most consumer-friendly?
Thanks.

Zachary

Ggirl asked:


I need one really bad right now. I have bad credit, and I need money FAST to pay bills. Please tell me what is the BEST company in the U.S for these. Have you used them? What is your experience? THANKS A BUNCH!

Crystal

Jen asked:


I want to get a payday loan and want to know their usual requirements..what if I’m self employed? Are there any loans that don’t require you to be employed at the moment? Thanks =)

Jim