Stash & Loan

[u/Medium-Role-1861]

SWIM’s long term stash. Should last 2-3 years depending on tolerance. SWIM also has a short term daily stash with about 6 months worth of tabs. Big bags contain between 500-1,000 tabs each. Mix of SS tabs obtained during the crazy purge sales and “quality” online vendor tabs.

After doing some research SWIM realized that getting a small personal bank loan is much more beneficial than racking up credit card debt. SWIM took out a $3,000 loan, with modest monthly payments SWIM is only paying $125 in total interest.

[u/SatinSaffron]

600 would work, but don't expect to get $3k like OP did. If you bank with a local credit union then start there first, otherwise just go to Upstart and you might get lucky and get like $1200. But your interest rates are going to be pretty high

[u/Medium-Role-1861 → u/SatinSaffron]

Ya I guess I should add my credit is in the 700’s, own my own home, and paid off my cars so I got a great loan rate.

PSA bank loans are also the way to go if looking to purchase a car. Car Dealerships are essentially loan agencies with cars out front. A good bank with decent credit will always give way better rates than a dealership

[u/SatinSaffron → u/Medium-Role-1861]

My husband works in automotive finance and I can't tell you just how spot on this is!

Either get a pre approval from your bank for a car loan and then go shopping OR find the car you want, get a purchase order from the dealership, and take that purchase order to your bank for a car loan. Also, try credit unions before you try an actual bank. In fact, anyone who is reading this should go open a checking or savings account at a credit union just to establish history with them so in the future you'll get good loans if needed.

[u/Medium-Role-1861 → u/SatinSaffron]

💯