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Td Line Of Credit Application
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Why I'm Breaking Up with Burning Man Adriana Roberts is a famous piano player who has been gone for 30 years and needs to stop playing. that's why. I applied for a personal line of credit with TD (I bank with TD) and my score is great, I got approved right away for 10K, but the interest rate is 9.94%. I know it is not the lowest but I would like to know how to negotiate it and how can I reduce it now? If not now, how can I reduce it later?
The idea is to help the branch staff prove to the credit team that they think you deserve a lower rate.
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Use the LOC for several months close to the limit, prove that you have the ability to repay and pay on time. Then you pay the lock in full. Rinse and repeat. After building a good profile with them, they will offer to increase it and then call to negotiate a lower rate. I use my LOC for investments. Therefore, 10% does not bother me.
Add Collateral... If you have assets you're not interested in withdrawing (like a mutual fund account, GIC), you can definitely get a lower rate.
Think about the situation from the point of view of the branch employees.. how will they convince the head office that you deserve it. They want to give it to you because it increases their credit portfolio... They just need a rationale to apply.
My father-in-law has his entire RRSP in PTD and was able to get base rate + 2% (5.45). Not the best rate if you need cash, but great for an unsecured loan.
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Now I have Prime + 5% (8.45%) on 10k. I have decent credit, but I never use it for loans, only as a checking account and PAD.
Ayufan wrote: ↑ I assume you want to stay with TD? I was in the same situation as you. The idea is to help the branch staff prove to the credit team that they think you deserve a lower rate. Use, demonstrate that you have the ability to pay. And pay on time. Then you pay the lock in full. Rinse and repeat. After building a good profile with them, they will offer to increase it and then call to negotiate a lower rate. I use my LOC for investments. Therefore, 10% does not bother me. - Use their services more... like save your paychecks, open rrsp account, mortgage, credit .ards and more. - Add collateral...if you have assets you can back up. GIC) You can definitely get lower rates with them. Think about the situation from the point of view of the branch employees.. how will they convince the head office that you deserve it. They want to give it to you because it increases their credit portfolio... They just need a rationale to apply. Yes.. It is unpleasant to think so. Or you can shop. Additionally, you'll want to make sure the information entered into your TD profile is correct. For example, information about assets, debt, salary/employee, etc. All this is especially taken into account when the system automatically eliminates pre-approval offers.
My LOC was pre-approved and I got the mail at 7.99%, keep in mind I have everything from TD, investments, HELOC, checking, savings, credit cards. After visiting the branch to renew the LOC, I was told that my pre-approval has been cancelled.
After a few phone calls to the back office it turned out there was an error with my TD profile and after updating it the pre-approval came back.
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Harith86 wrote: ↑ Hi, I applied for a personal line of credit with TD (I bank with TD) and my score is excellent, I was approved immediately for 10K, but the interest rate is 9.94%. I know it is not the lowest but I would like to know how to negotiate it and how can I reduce it now? If not now, how can I reduce it later? Thanks, 9.94% interest seems high for excellent credit. I opened a 46K ULOC in 2015 at Prime + 4.99%. In 2016, the interest rate was reduced to Prime + 3.99%. That's still Prime + 3.99% today (currently 7.44%). I mainly use ULOCs to borrow at low interest rates when TD offers 12 month fixed rate loans.
Pseudosammich wrote: ↑ Also, you'll want to make sure the information entered in your TD profile is correct. For example, information about assets, debt, salary/employee, etc. All this is especially taken into account when the system automatically eliminates pre-approval offers. My LOC was pre-approved and I got the mail at 7.99%, keep in mind I have everything from TD, investments, HELOC, checking, savings, credit cards. After visiting the branch to renew the LOC, I was told that my pre-approval has been cancelled. After a few phone calls to the back office it turned out there was an error with my TD profile and after updating it the pre-approval came back. I now have everything from TD.
I wanted to get some cash now, but after this shocking interest rate, I will probably stop my LOC withdrawals.
They might be suspicious and ask themselves, why does this guy need LOC if he already has money?
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HyperTech wrote: ↑ They might be suspicious and ask themselves why this guy?
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