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 As described in part II, the terms of short-term loans are often tied to the date the consumer receives his or her paycheck or benefits payment. A loan must be paid in full before a customer can re-apply for a new loan. Only the rate on new loans disbursed after June 30 will change. At our current CD return rate, that means we pay about $250 on the $8000 we have in a secured loan and that is much cheaper than revolving interest rates for the year on most credit cards. Besides their credit history, the other many concern people have when applying for an installment loan is whether they need to have a checking account.  Online Money Manager

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