Loan Consolidation

what is the formula used by lending institutions?

when you borrow money there is a formula to determine the amount of monthly payments for a period of time.is it the rule of 72?whatever it is what is it expressed as a formula.
or is it PRT=x?

June 23 The dollar, The Fed, condo lending, inflation

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IS there any danger in lending out my windows xp installation cd?

I have a dell computer and someone wants to borrow the windows xp installation cd. Hypothetically is there some way that person could use the cd to attack my computer from another computer? Let me know what is the worst case scenario.

Where can one apply for a consolidation loan with bad credit.?

A family member is desperate and need to apply for a consolidation loan, but have very bad credit. Can someone suggest loan companies that work with bad credit?

Has anyone heard of Second Chance lending group?

Any one heard of or used Second Chance lending group? I am in desperate need of a short term loan because of identity theft and someone stealing money from our bank account so my credit looks bad eventhough it is not my fault. I applied with this company but they want me to pay a down payment on the loan. I have never heard of this so I didn’t know if it was a scam or not. I can’t afford to be scammed anymore right now. Please if anyone has any experience let me know. Thanks!

Is there a consolidation loan to pay off payday loans?

I made a huge mistake in using payday loans to help pay bills during a rough time. Now I can’t get from under them and it’s hard to pay on my regular bills. My credit is 495 therefore it has been hard to get a loan.
Is there help for me? Once i can get these loans paid I can make the monthly pay’ts.

What incentive do lending institutions have to lend?

If the government is giving funds to these institutions, why would the lenders even bother to do business? Why would they take any risk when they're already reaping the rewards by not taking any risk?
Kauai, Maybe you're missing my point. Normally lenders make a profit by borrowing low and lending high. But, when they can borrow at 0% and still receive bailout money in the billions, why would they lend at all? They're making a profit, and not risking anything, by not lending.

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Lending on Kiva is simple

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Whats a good company to use for private education loan consolidation?

My fiance has several private education loans and we are interested in consolidating them to help lower the payment and fix the interest rate. Does anyone know of any companies still consolidating private education loans?

How much of a downward movement is necessary in the stock market to correct the excesses of subprime lending?