Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Personal Loan Company - Need a smaller loan for the consolidation of your credit cards? Personal loan credit is typically unsecured and does not require you to provide security in the form of your assets, such as your car or other personal assets.
• Bad Credit Debt Consolidation - Learn about the debt consolidation process and review detailed listings for lenders and services offering to help consolidate your debts.
• Debt Consolidation Settlement - Finding yourself in the common situation of being unable to meet your credit card payments month after month? The negotiation of your bills may be a good solution for getting you back on track with your financial obligations. Compare various programs and see if this option is right for you.

Auto Loans

Take Control of the Financing Before You Take Control of the Wheel

33. Think carefully about how much car you can afford and how much of a loan you need. The dollar amount of your loan largely will be determined by the sales price of the vehicle minus your down payment, any rebates and the value of any trade-in. Don't forget, however, the costs of auto insurance, sales taxes, annual property taxes on the car (if any), and options you may be inclined to buy, such as an extended warranty.

Also remember that every item you add to your loan instead of paying upfront will add to the total cost of the loan because you will pay interest on the amount financed.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 8/10/2007

Make better decisions when shopping for banking, debt consolidation and related financial services. Educate yourself!

The Debt Consolidation Loan Directory has a growing library of free informative and educational financial resources for consumers shopping for many types of financial services related to the management of your finances, such as the consolidation of credit card debt, fraud alerts and life insurance. There is no better way to make decisions regarding the management of your personal finances than to read and understand how they work. Please feel free to visit our consumer information library to learn more.

• Do You Know the Warning Signs of Too Much Debt? - Take control of your spending as soon as you recognize any of the warning signs cited by this article provided by CitiFinancial.
• What Do Banks Do? - A bank is a private, for-profit business that offers a variety of financial services to the public.
• Learning about Bank CDs (Certificates of Deposit) - Learn about the different types of bank CDs and how to choose the type that is right for you.
• Pros and Cons of Internet Banking - Review some of the positive and negative aspects of Internet online banking.

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