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  2. 3 steps to calculate your debt-to-income ratio - AOL

    www.aol.com/finance/3-steps-calculate-debt...

    Each lender has different DTI standards you must meet to qualify for a loan, but according to credit.org most lenders see a DTI under 36 percent or less as “ideal” while 37 percent to 42 ...

  3. Can you get a loan with fair credit? Yes — here’s how - AOL

    www.aol.com/finance/getting-loan-fair-credit...

    You could improve your approval odds if you add a co-signer. You may qualify for a higher loan amount, lower rate or a longer term since the lender has the security of knowing an additional person ...

  4. How much can I borrow with a personal loan if I have ... - AOL

    www.aol.com/finance/much-borrow-personal-loan...

    To calculate your DTI, add up all of your monthly debt payments, such as student loans, auto loans, mortgage payments and credit card balances and divide that number by your gross monthly income.

  5. Credit score - Wikipedia

    en.wikipedia.org/wiki/Credit_score

    In Australia, credit scoring is widely accepted as the primary method of assessing creditworthiness. Credit scoring is used not only to determine whether credit should be approved to an applicant, but for credit scoring in the setting of credit limits on credit or store cards, in behavioral modelling such as collections scoring, and also in the pre-approval of additional credit to a company's ...

  6. Car finance - Wikipedia

    en.wikipedia.org/wiki/Car_finance

    The borrower then pays off the financial institution the same as for a direct loan. [citation needed] Typically, the indirect auto lender will set an interest rate, known as the "buy rate". The auto dealer then adds a markup to that rate, and presents the result to the customer as the "contract rate".

  7. How to qualify for competitive rates on low-interest personal ...

    www.aol.com/finance/qualify-competitive-rates...

    In general, and especially with low interest loans, the higher your DTI, the higher your rates are likely to be and the lower your approval odds are. Most lenders look for DTIs under 36 percent .

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