You will be given the details on the APR, loan fees, and other terms by your lender when standard chartered personal loan preclosure charges are redirected to your loan agreement during the loan request process. The APR on a short term loan can range from 200 to 2,290 depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors.
Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example. Borrow 200 for 14 days with a 30 to 60 lender fee.
I owe 9,000 mostly due to payday installment loans. I'm on social security and have over extended myself and cannot make all the payments let alone standard chartered personal loan preclosure charges expenses.
I need to retain a bankruptcy attorney and file Chapter 7. The only income I have is 1500 social security and 150 small pension check. I know this will ruin my credit and I'll have a hard time finding a place to rent but I have no choice.
I'm single, no dependents but have no assets and I'm 65. Please advise and thank you. Christine, from what you said, you may be well set to do a Chapter 7 bankruptcy which would get rid of those payday loans and others. I would worry much less about your credit rating than getting yourself back on a better financial footing. As for renting a place to live, many of my clients have downsized and rented a smaller place after filing their bankruptcy.
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