consumer goods financing – Consumer Finance

Legal Implications made Easier with Legal Loans

While setting up a corporate space, there is going to be a long list of requirements. These requirements have to be bought at the expense of the owner. Impossible a feat as this may be, some adjustments along with major financial arrangements will have to be made.

How does a business owner decide the best financial loan?

There are a number of options available for small, medium and large businesses to apply for loans. Zip-Loan is available with professional and expert consultation to help you understand the best way to select a plan.

Below mentioned are two standard but circumstantial suggestions based on your commercial requirements:

Firstly, the business owner will need consumer goods financing.This is in order to purchase the necessary office appliances, and tools, among other equipment. Making office supply purchases will also be an inevitable monthly requirement.

Secondly, there are a number of regulations and formalities that require legal assistance both professionally and financially. This is where legal service financing plays a significant role. During the course of your business goals, it may so happen that your company has to manage legal terms in court. At a time of uncertainty, being financially backed-up would go a long way.

While consumer goods financing hold a variety of flexible loan plans for its customers.

It would be important to state the options available for loans concerning legal fees.

Loan options available for legal service financing

Zip-Loan offers a range of options for Legal Service Financing, on a short-term or long-term basis. Some options may not require collateral payment before securing the loan.

Have a look at some of the options offered:

Personal Loan

This is considered above other loans because of its one-time legal venture. A personal loan can be used here for purposes of consultation and legal cases. The repayment options, although varies, can be paid over a fixed duration in installments. Mostly, this duration can go up until 10 years.

Personal Line of Credit

This form of credit if applied will be available to you only when the need arises. A certain amount can be accessed instead of borrowing a huge sum of money beforehand. The credit line can be renewed over time. During this period, the interest rate will only be charged when the amount is drawn.

Contingency Fee

Here, you will be charged a set percentage of the compensation that you will be rewarded if the case is won.

Legal Payment Plan

This is an affordable plan as compared to personal loans. It does not incur additional charges on interests or installments.

Being aware and having a clear understanding of the type of legal financial services you require makes for sound selection. After you have decided the loan you wish to acquire, you may approach our expert personnel who will be available to assist you with further requirements.

If you select credit options then your credit history would be a prerequisite. This is because legal fees and loans come with several terms and conditions. For further details, consult with Zip-Loan administrative services.

What Your Broken Down Car Can Do For You

automotive repair financing, consumer finance

There’s a long day ahead of you.

-Pick up the kids from school

-Take them for football practice

-Attend a soirée with your partner

You are done with dropping the kids at school. Now, you need to get to work but avoid daily traffic. You plan your day while taking the next left onto the highway. The vehicle slows down in the middle of the highway. Your car has broken down. You are stuck at a point where the rapair garage is not until a few miles away.

This should have been the least of your troubles. The repair will take time so your partner will have to pick up the kids from school, and take them to football practice. Now, your partner’s schedule has been ruined.

How does automotive repair financing help?

You call professional services to take your car to any car repair garage. After this, you hail a taxi to get back to the day’s work. The next thought reaching out from the back of your mind is the cost to be incurred for the repairs. You still don’t understand the extent of damage.

A reliable automotive repair financing program is thus, required in order to secure your vehicle and state of mind.

Our financial lenders can cover cost involving:

Auto Repair & Service
Tires & Rims
Car Audio
Collision Repair & Custom Work
Transmissions
Engines, Brakes & Tune-Ups

No minimum amount loan for automotive repairs

One of the features of automotive repair financing that you will benefit from is the fast payment system and high quality customer service. You will get instant credit processing with multiple ledgers. The interest rates are flexibly affordable as well.

You will get merchant discount rates depending on the loan service selected. There will not be any merchant requirements; and also zero risks associated. Other financing options include car audio and auto parts financing.

What if you want to buy a new vehicle?

You must have heard of consumer goods financing. Well, it helps here as well. Here’s how.

The car you own keeps breaking down and you don’t want to opt for another repair loan.

In that case, you most definitely want to sell the old vehicle and buy a new one.

You could use a car exhange offer but it won’t exactly cover the total expenses for the new purchase.

Zip-Loan offers customer loans also known as consumer goods financing.

The following costs will be covered:

Electronics
Appliances
Bicycles
Car Stereo & Alarms
Musical Instruments
Other Products Over $500
Exercise Equipment & Sports Equipment

You will get easy access to credit for emergency expenses, including rewards for paying back on time. Added bonus – a convenient interest rate and zero collateral.

Your broken down car can be repaired using the repair loan backup. On the other hand, you could simply buy a new one through consumer goods financing. Whatever you decide, Zip-Loan is here to offer you a flexible and convenient capital advantage.

Need for consumer goods financing For Automobile Repair Business

automotive repair financing, consumer finance

Owning an automobile repairing company is a challenging business and comes with a fair share of hurdles. But as you know, the more difficult levels bring more opportunities. That is why you would prefer to invest your time and money in the auto repair business. In the last year, 2019, the auto repair industry generated a revenue of $69 billion . So you have a good opportunity to make money.

Need for money

So the first question that will crop up in your mind is, what are the cost heads that make the business need such a huge capital for a start-up? To be precise, there are three categories for investment in the business.

Equipment

When you have to buy the right equipment for repairing the vehicle lifts, air compressors, or engine hoists, the investment will be high. The price tags are quite high for the equipment, and the maintenance cost is equally high. The more smart tools you can get, the better will be the repair work. You have to adapt to the latest technology and tools to diagnose the issues and find eh solutions. Without automotive repair financing, it won’t be possible to invest in the premium quality of equipment.

Rent

In this particular industry, your shop location matters a lot. Being in a prime location with heavy traffic always gives you a better opportunity to get business. More cars will bring in more customers when someone owns a car, and there will be glitches. The rent for space will be high as you have to arrange for a bigger parking area for storing and working on the cars.

Insurance:

The insurance premiums for covering the liabilities of car repair are not at all cheap. So, the expenses of the services are also equally high. So you should not increase the service charge for the clients anymore to support business expenses. With the help of financing, you can manage without increasing the service charge.

Finance for goods

When you want to purchase a few products but don’t have the money, you can apply for consumer goods financing. It is also a good way to purchase equipment for the business or some tools which are expensive, and you do not want to spend the money now. The best part is the reward or perks that you can enjoy if you can repay the amount within the stipulated time. But you have to assess the condition cleverly before making the decision.

For instance, you need to repair a piece of expensive equipment immediately. But you cannot afford to do so now. What if you get the option to have the finance without any collateral and at a convenient interest rate? Well, it will be a better option than taking another business loan.

A better option

On pairing up with a quality company like Zip Loan, you can easily get the loan and that too, at attractive discount rates, which won’t burden the business. Repaying these small loans will be easier than repaying a business loan if your requirement is low.

Impressive Way To Get Your Car Repaired With Automotive Repair Financing

consumer finance

Just because you have invested a lot of money in the latest car that does not mean the vehicle will last for decades without showing any distressing signs. Being a mechanical product, your car will break down after a specific time. Maybe, you are not in that financial state where you can get your car repaired without going bankrupt.

Reliable automotive repair financing services will come as a saving grace during such instances. Thanks to financial help from banks and other institutions, you can get the right monetary help to repair your broken car. These loans come in handy with moderate interest rates and for a short period. So, head towards the best financial institution for the right help you need.

Checking out the offset insurance deductibles:

If you do have a high deductible car-based insurance policy, then you have been enjoying some lower monthly premiums for now. However, unfortunately, if you end up crashing your car, that same old high deductible might knock you down! So, in place of dipping right into the emergency fund, you can quickly get your car repairs financed by the loan package and make the monthly payments on time to get rid of it. Even a bigger deductible will cost you less on the monthly pay scale, which becomes more manageable.

Should you opt for one?

Whenever you decide to pay a hefty amount for the vehicle work, there are so many things to take into account before choosing any car repair financing sector. Even before getting one, you should consider the available options. For example, if the car is pretty old, it is better to buy a new one rather than invest in old repair work.

Make sure to pre-set the present worth of your car. If it still has some juice within, then getting it repaired seems to be a fair plan. Moreover, compare the repairing cost of your old car with that of purchasing a new one. Make sure to create a simple budget of the entire cost related to required repairs. If that, by somehow, overlap the price of a new car, then you better go for the second option.

Go for the mechanic financing:

If you have decided to repair your car’s broken parts, then mechanic financing might be a good option. Some mechanics have already partnered with lenders to offer the best financing option. It can be through a personal loan from a lending partner in a payment plan or just the use of credit cards. Some are even associated with firms like Zip Loan. You better work out with them for the payment plan before getting yourself involved in one.

Some might offer you interest-free financing for a few months. It can be great if you pay off the credit card or loan before the introductory period gets to expire.

The reliable financing institutions will provide you with other monetary help like consumer goods financing and more. So, do check out with them for some thoughtful results.

Everything You Need to Know About Consumer Goods Loans

automotive repair financing, consumer finance

Consumer Goods Loans are effective solutions for common people to buy home appliances, vehicles, electrical appliances, electronics, and other such items at easy installments. People generally take up these kinds of loans for buying automobiles, house appliances, kitchen appliances, and others. Another important factor is that consumer goods financing applies only to the products or items that have a warranty on it.

How Does the Consumer Goods Loan Work?

The consumer goods loan is processed easily and directly to the account of the seller without the interference of the customer’s account. After the payment is made, the customers will be signed up for the repayment in installments.

The installments are decided upon the interest value and the period of repayment chosen by the customer or consumer. The consumers are allowed to choose a tenure of up to 24 months while availing consumer goods loans. Different institutions offering consumer goods loans might have a different rate of interest and repayment tenures. The auto loan repayment tenure can be up to 2 to 7 years and are typically a secured type of loans.

You can also give some amount of the total money as a down payment to reduce the installment amount and the interest money. Most of the consumers prefer clearing the maximum possible amount by giving the down payment, after which a minimal amount remaining is put up for repayment in installment as per the loan aspects.

There are many such goods that a normal family cannot afford with one-time payment schemes. Therefore, this is a vital option for those individuals who want flexible payment schemes over one-time.

What are the Documentations Essential for Getting Consumer Goods Loan?

There are not many documents essential for the process, as you just need to show identity proof, address proof, and income proof. These are the only things that you will need to produce to the financial institutions for availing the consumer goods loans in no time.

For buying some of the bigger products such as automobiles, you might need to produce your bank statements as well. But for the smaller devices, appliances, or others, these documents might not be asked on a strict basis.

Reasons to Consider Consumer Goods Loan

Here are some of the reasons for which you must consider consumer goods loan on priority:

You get an additional payment method for buying your favorite goods.
The approval rate is fast, and you can make same-day purchases.
You can also avail auto-pay options so that you do not need to manually pay the monthly installments again and again.
Some institutions offer No Cost EMI for a stipulated tenure for the consumers to avail.

These are a few of the things that you must know about consumer goods financing from any of the professional financial institutions. Zip Loan is one of the popular financing firms that offer consumer goods financing solutions at a low-interest rate. Not only that, but you also get other finance solutions such as automotive repair financing, business loans, and others. Reach out to them to know more about them today.

Know the effective options for attaining auto repair financing solutions

business finance, Business loans, consumer finance

Most of the time, auto repair expenses are quite unaffordable. For tackling this scenario, there are professional firms that take up the charge for offering automotive repair financing options to the clients. But before availing the services, it is your right to compare the rate of interest and the monthly payback installments. This would help you in making an ideal decision. As per the surveys are concerned, even a new car has to go through a maintenance or repair work of up to $1200 every year. In correspondence with that, only 1/3rd of the US citizens are financially sound to afford these expenses.

Your options for auto repair financing

In this article, you will know about the efficacy of taking up automotive repair financing help from professional firms.

Take up personal loans

The financial firms are meant to offer you personal loans at a reasonable rate of interest to help you in easy payback. You can take the help of the consultants to understand all the guidelines and policies before you advance to fill in the application. Make sure you compare the interest rates to avail of the best plan available with the firm.

Personal loans can be used for any personal expense, and automotive repair is one of those needs that comes up as a sense of emergency. This is one of the prominent ways to deal with your car repair emergency problems. But the interest rates might be standard that is destined for personal loans, and you might not get any relaxation for your automotive repair concern.

Auto Repair Lender Financing

If the car is severely damaged, then you need an auto repair or lender loan to either replace most of the parts of the vehicle or get a new one instead. People with moderate credit scores can also avail of this emergency type of loan to help themselves handle the repair costs and replacement costs while fixing the damaged vehicle. Moreover, automotive repair financing is also processed fast as compared to the personal loans, and the rate of interest for paying back is also comparatively less that makes it a better option to avail at the time of emergency.

Credit Card loans

If your repair cost is subtle and you just need a little amount to get it fixed as new, you can refer to your credit card for the loans. The credit card loans are easy to get within a minute of time and is quite feasible for payback. You just need to get in touch with some of the consultants of professional financing firm to know about the top credit card service providers. With it, you can decide your limit balance and take up the loan via your card for easy payback.

These are a few of the types of loans that you can avail of if you are facing an automotive repair emergency. Not only auto repair financing, but you can also go for consumer goods financing options to help meet your requirements. Zip Loan is one of the top firms that offer automotive repair loan solutions at a reasonable rate of interest. So, get in touch with them today.

Get easy roof financing solutions in your locality online!

business finance, Business loans, consumer finance, Home Improvement Loans, medical equipment finance, Powersport finance, powersports finance, Small Business Loans

Today everything has become so costly that people have to rethink their actions before investing in anything. Even something as minor as renovation or repair works has become a costly affair due to inflation. This is why the finance companies are trying to grab the market with their easy financing solutions that people can avail, for any situation. It doesn’t matter if you are looking for consumer goods financing or need money for something personal like a wedding or if it’s a simple renovation of your property, these guys have lucrative deals for everything! So if you were planning on getting your roof done properly, but delaying it because of the unavailability of funds then you can easily opt for these services.

The rise in demands

In case you are wondering, most of these Roofing financing service providers are independent and not associated with the bank or government in any way. This can mean only one thing, which is a lack of complexities. As these companies are not associated with banks, they don’t have rigid rules and regulations like them which otherwise makes it hard for people to get a loan. With these companies, you can expect an easy procedure as they aim to make funds much more accessible to people all over the country through their affordable financing options. If you approach any of these service providers you can be assured that there won’t be much paperwork or legwork involved and in no time you can get your hands on the funds.

That’s not all, there are so many other reasons why you must take up a loan from these finance companies for renovation or even the roofing services that can get quite pricey sometimes. The demand for such services is so high that the finance industry of the US is considered to be the most liquid as well as the largest in the entire world. In the year 2018, the finance & insurance sector represented almost 7.4% of the gross domestic products of US. So come let’s take a look at why you need these financing solutions for your roof job.

Protect your savings

The roof is probably the most neglected yet the most important part of any house. The wear and tear it goes through every day take a toll on its durability which is why it is the only part of your house that might need constant repairs, renovations and installations. The best way to not spend all your savings on meeting these regular expenses is by taking easy finances from any of the companies that specialize in roof financing solutions.

No more waiting

In case the condition of the roof is really bad and you need a replacement right away, then these companies can be a savior. With instant approvals, and almost negligible paperwork, you can get the funds you need and start the job as soon as you can. This way you not only maintain the safety of your family but also secure the structural integrity of the house.

So don’t waste much time and renovate your house with these easy and affordable roofing finance solutions offered by these companies.

Explore the Top Benefits of Roof Financing Solutions

business finance, Business loans, Small Business Loans

The unexpected damages and leaks of your roof over the years may demand its replacement anytime. Replacing the roof of your home is a big investment that requires a lot of financial resources. As it is not a feasible option for many homeowners, they look for suitable financing options in order to get the roof replaced. To help meet the needs of the homeowners, roofing financing services are widely being available. Some of the benefits of roofing financing are:

Simple and Fast

Replacement of the roof cannot be delayed for too long as it may cause more damage, thereby increasing risk factors for the residents of the home. While arranging a huge amount of money for roof replacement instantly may not be easy, financing options can help in getting the amount faster. Without having to wait long, you can follow the simple process and easily avail the required money within a few days.

Competitive Rates

As consumer goods financing options, roof financing is also available at competitive rates. With the affordable rates, getting the loan within your budget becomes easy. The fixed monthly rates and flexible options enable you to deal with the challenging situation easily.

Save Money for Emergency Situation

Roof replacement may completely empty your savings. But with roofing financing, you do not have to empty your savings account completely. The financing option allows you to pay only a small amount every month, thereby leading to increased savings. While roof financing can help you in meeting your roof replacement needs, you can save some money for other emergency situations that may arise in the future.

Private and Secure

Most roof financing services offer privacy as well as security to the homeowners. With reliable services, the financing companies help in keeping all the private and financial information of the homeowners confidential unlike the unauthorized financial service providers.

No Hidden Fees

With a reputed roof financing service, there are no hidden fees. You will not have to pay any additional charges that are beyond the normal charge. This helps the homeowners in availing an easy solution for their roof replacement needs without any worries.

Easy to Understand Terms

Just like the consumer good financing options, the terms and policies of the roof financing services are also easy to understand. With easy paperwork, you won’t face much difficulty while undergoing all the processes of the loans. The simple paperwork enables you to avail of the loan much easily at the earliest.

Variety of Financing Options

Another advantage of roof financing is that you can find a variety of financing options and choose the one that suits you. Starting from cash and credit card to personal loan, home equity loan, and other loan types, you can easily find the affordable financing options for your roof replacement.

With so many roof financing solutions, you can now easily replace your roof without emptying your complete bank balance. You also do not have to push your roof replacement project longer. The easy roof financing options can help in providing your home with a brand new roof at the best financing rates at the shortest period of time.

Consumer Goods Financing: Commonly Asked Questions

consumer finance

The joy of buying and making your own house after all is simply the best joy on earth. The contentment of making thoroughly researched and careful choices with your partner is inimitable. When we say “making” a house, the thought of buying several utility goods comes to mind. Goods that we call consumer goods, which lend face to your brick-and-mortar house.

Now it could be furniture or decorative furnishings or even the latest technological gadgets included to add convenience to daily living. Again, not everyone may be as lucky to make these purchases comfortably from their monthly salaries. But does that mean not making these purchases at all? No, it simply means getting them financed by a third party, which we call consumer goods financing in business terms.

Here are some of the common FAQs people ask about financing consumer durables before they take a dive into it.

Top FAQs for Consumer Goods Financing

What is Consumer Goods Loan?

A: A consumer durable loan implies a credit or financing option for the borrower, which facilitates the latter to make purchases of certain utility goods, such as household appliances or electronic gadgets.

What are the prerequisites of applying for a consumer durable loan?

A: Banks and other financial institutions would typically look into your annual earnings and credit score, before considering to grant you such a loan. Also, consumer durable loans are unsecured loans so this means that the lender would look into your credit history and repayment history too (in case you’d applied for a loan in the past).

What are the rates of interest and processing fees involved?

A: The interest rates essentially vary between different lenders. Ideally, you may expect something between 12 and 22%. You may also be lucky to find some lenders who might offer 0% interest rate as part of promotional offers. The processing fee for consumer goods financing too is fairly nominal ranging between 1-3% of the total loan amount.

What is the duration for which the loan is granted?

A: Consumer goods loans are usually lent for a flexible time duration ranging from 8 months to 3 years.

Anything else I need to look out for before applying for one?

A: Yes, it’s always advisable to do your homework well before applying for any loan. This holds true for consumer durable loans as well. Visit a few reliable and trusted lenders, make queries on their respective interest rates, processing fees charged, and other charges applicable, if any. Make comparisons before arriving on the final decision. This would of course depend on who you think offers the best deal.

Consumer durables are a must for every household. You need them sometimes as decorative items but more often than not, your life literally comes to a halt without them. Washing machine, home theatre, and microwave are some examples. Availing of a good consumer goods loan option can make things easier for you in no time.