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Some people shop for cars frequently, others do it rarely.  Because a car purchase can be a significant expense, it's always a good idea to ta…

I have been paying down my debt using the snowball method. I'm making great headway and have cut my debt load in half in 3 years. I'm at a point where I need to choose between a home-equity loan with a variable rate (currently at 4.24 percent but eligible for tax deductions) and a car loan at 3.5 percent fixed. Which makes more sense to pay down? Scott, Chatham, MI

Thus, if your car loan, mortgage or credit card bill is due tomorrow and you don't have any opportunity to cover it, then, don't hesitate and contact the creditor. How this may help? Well, if you have never been late on payments, the billers may give you a few days grace. Besides, they can also accept immediate payment via phone at no charge, if it's not a credit card bill.

Previous week gas prices rose to the maximum level over the last two years. Unprecedented world demand for oil has resulted in the peak of gas prices and restriction in supply. Gas prices are expected to go on rising, and this spring car-owners in U.S. may pay $4 a gallon.

The times of relative frugality which were caused by the financial crises seem to pass away as Americans start to borrow again, besides, in rather a big way. Debt on credit cards is constantly increasing, car loans get back their big sales in Detroit and even investors of the stock market are getting into debt again.

In most cases, consumers trying to access traditional sources of getting credit are very restricted as credit history is carefully analyzed now and can be the main reason for the application refusal. In fact, there is a real need for fast cash personal loans as people often face emergency expenses, like car repairs, medical bills etc.

Virginia lawmakers are working on the legislation concerning car title and payday lending services. Businesses need to get a license.