home equity loan rates - Household Finance

Fast and hassle-free!
Personal Loan. Money when you need it most.

Loan amounts of $1,500 to $10,000 with just your signature.

Getting a HFC Personal Loan is as easy as applying for a credit card.
It's not secured, which means that you don't have to borrow against personal property, such as your home or car.

HFC specializes in solutions for hard-working people - even if you have less than perfect credit. It's easy to apply. Start the loan process now and be one step closer to the money you need.

Pay off your high-interest bills.

Reduce your monthly payments.

Have more cash on hand each month.

Applying for Credit

Applying for credit used to mean asking your neighborhood banker for a loan. Now, with national credit cards and computerized applications, the day of personal evaluations may be over. Instead, computer evaluations look at, among other things, your income, payment history, credit card accounts, and any outstanding balances. Paying in cash and in full may be sound financial advice, but they won't give you a payment history that helps you get credit.

A major indicator of your ability to repay a loan is your current income. Those who consider income must include types of income that are likely to be received by older consumers. This includes salaries from part-time employment, Social Security, pensions, and other retirement benefits.

You also may want to tell creditors about assets or other sources of income, such as your home, additional real estate, savings and checking accounts, money market funds, certificates of deposit, and stocks and bonds.

If you're age 62 or over, you have certain other protections. You can't be denied credit because credit-related insurance is not available based on your age. Credit insurance pays off the creditor if you should die or become disabled.

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