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Discussion in 'Lawn Mowing' started by soloscaperman, Jan 20, 2013.
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Capital One......what's in your wallet?????
Regions Bank of Louisiana and Capital One. I use USAA for equipment and vehicle loans.
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citizens bank. a local bank. i just use my personal account for my business.
come to think of it i've never gotten a loan from the same bank i had an account at in my whole life. i mean some make you open an account there before they will give you a loan so i have done that but it was never my main account. as soon as i paid the loan off i closed the account. i have my truck loan through toyota finance and my mower loan through john deere. it's just easier that way to me to take care of it all in one place during the time of a purchase. it used to be necessary to use a personal bank in order to get a 6 year loan on a car instead of the normal 5 year so you could have lower payments but nowdays they give you whatever you want. you can get a 5, 6, or 7 year loan if you want lol. also i get the same interest rate either way so no difference. i have great credit though so maybe that's part of it too. my score is 765 last time it was checked. i'm 500 dollars away from paying the mower off so it will go up higher soon as that happens. pay your bills on time every time which i've done my whole life. it also helps if you've sold a house and paid the mortgage off when you sold it which i've done. house and cars is what affects your score the most or a large business loan payoff. paying off little 3000 dollar loans doesn't affect it that much.
i've never owned a credit card in my life. it's not necessary to have one and really it's just dumb to use one unless you are gonna pay it totally off each month. charge something and pay it off the same month otherwise it will build up on you with interest. it's just stupid. you can get loans interest free or at a very low rate so there's no need to ever use a credit card in my opinion.
forgot to say when your really young like 16-25 years old it's gonna be hard to get a loan from anyone unless you have a high paying job which most people don't at that age. most times you need your parents to cosign with you so you can get a loan to start things off. after you pay it off then you have enough credit established on your own and you can get a loan yourself the next time.
Why do you have the need to know what bank I use? What does it have to do with cutting grass?
Mason jar buried in the back yard.