Before you sign any credit agreement, remember that your signature legally binds you. Do not sign anything until you are sure that you understand the credit terms and can easily pay what you are promising to pay. Always compare credit terms: generally, you should choose the credit with the lowest annual percentage rate. If you cannot understand English, be sure to bring someone you trust to translate. Some financial institutions have translators or bilingual employees to assist you. Creditors who negotiate consumer credit contracts primarily in Spanish usually must give a Spanish-language translation of the contract to the consumer before the consumer signs.
Many cities have banks, saving associations, or credit unions whose founders and members are from a particular ethnic or community group. Many immigrants choose these institutions because the cultural understanding and service in their native language makes them feel more at ease.
In this country, pawnbrokers are a less traditional loan source than banks or credit unions. Pawnbrokers accept items you own in exchange for a small loan. This is a source of credit for borrowers who may have few other choices. The finance charge is usually high, and you must repay the loan within the time agreed to, or lose your property. Use this loan source with extreme caution, if at all.
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Before you sign any credit agreement, remember that your signature legally binds you. Do not sign anything until you are sure that you understand the credit terms and can easily pay what you are promising to pay. Always compare credit terms: generally, you should choose the credit with the lowest annual percentage rate. If you cannot understand English, be sure to bring someone you trust to translate. Some financial institutions have translators or bilingual employees to assist you. Creditors who negotiate consumer credit contracts primarily in Spanish usually must give a Spanish-language translation of the contract to the consumer before the consumer signs.
Many cities have banks, saving associations, or credit unions whose founders and members are from a particular ethnic or community group. Many immigrants choose these institutions because the cultural understanding and service in their native language makes them feel more at ease.
In this country, pawnbrokers are a less traditional loan source than banks or credit unions. Pawnbrokers accept items you own in exchange for a small loan. This is a source of credit for borrowers who may have few other choices. The finance charge is usually high, and you must repay the loan within the time agreed to, or lose your property. Use this loan source with extreme caution, if at all.