Personal Loans

Taking out a small personal loan can be a good strategy for repairing bad credit or bulking up thin credit. What’s not so clear is how bad credit or thin credit will allow you to do that. Credit builder loans might be the answer, typically ranging from $500 to $1,500. When secured by loan funds or collateral, credit builder loans do not rely on your credit for eligibility. And provided you pay as agreed, they help build your credit score.

Bad credit can be a major hamstring on your financial flexibility. Without a good credit score, it can be hard to take out new credit cards, secure financing for major purchases, or access high-quality loans with great interest rates and …

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When you are first starting out building your credit, you may find that you keep running into rejections for credit cards or other lines of credit because you lack credit history. If you already have established credit, you may have …

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According to TransUnion, one of the largest credit bureaus in the country, personal loans accounted for roughly $148 billion in consumer debt at the end of 2020. You may be wondering why so many Americans are taking out thousands of …

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Should you lend a friend or family member money? Should you ask a friend or family member for a loan? These can be difficult questions and they don’t always have an easy answer. Of course, if you have someone in …

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When you are in a bit of a financial bind, it can often be tempting to look for a fast and easy way to get the cash you need. This is especially true between paydays when you have an unexpected …

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Personal loans can provide many advantages to your finances, often in ways that you might not expect. These types of loans could be used as a means to help pay off other bills, reduce debt, and could even help to …

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When you’re in a pinch with nowhere to turn for help, title loans can seem a saving grace. Unfortunately, the nature of the beast is one that can prove your worst nightmare. Before you, or anyone you care about, takes out a title …

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If you’re planning to start a business or if you are an owner of a small business, you know how difficult it is to raise working capital for day-to-day expenses and expansion. In order to grow your business, you need …

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A signature loan is a loan to which no collateral is needed and it simply requires your signature as a guarantee that you will repay the loan. Because this type of loan requires no collateral to back it up, it is referred …

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The U.S. Small Business Administration, SBA, offers varied programs to small business owners. These programs provide financial assistance and help owners obtain the working capital they need to start or expand their business. The SBA does not make direct loans to …

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Are you planning to take out a personal loan to meet a pressing need for funds? If the thought of having your loan request denied has you upset, here are some steps you can take steps to avoid having your signature loan …

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Are you in the market for a personal loan but having trouble qualifying through a traditional bank? Are you an investor looking for an alternative to traditional investments? If so, it’s worth looking into peer-to-peer lending. Find out what it is, how it …

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A disturbing trend appears to be growing amongst the providers of our utilities. Across the country, as well as locally in the Phoenix area, many utility companies have closed the doors on a significant number of their on-site customer service …

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Beware of Payday Loans In recent years, it seems as though there is a “Check Cashing” or “Payday Loan” outlet springing up on every street corner. These predatory lending outlets tend to cluster in low-income neighborhoods, their billboards exclaiming, “Get …

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Legal Loan Sharks Okay, kids. It’s quiz time! What is the most expensive legal form of credit available to you? If your answer is a secured credit card at 24% APR, you are off by a mile. Try getting a payday …

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Payday lending among military personnel is rampant and many payday loan offices are set up as close to military bases as possible. With military personnel feeling the crunch even more than most consumers, this industry seems to be preying on service …

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We’ve written articles and blog posts roiling against the payday loan industry. But, can payday loans can be cheaper than checking account fees or prepaid debit cards? According to a study by the consulting firm Bretton Woods Inc, U.S. banks recognize the …

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Payday Loan Articles You might think getting a payday loan is fast and easy – which it is – but there is a monster lurking underneath. Before you even think about going to one of those suspect offices requesting a …

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Are you thinking about making a large purchase in the near future but don’t have the cash on hand to pay for it all upfront? Then, think about taking out an unsecured loan from one of your local banks or credit unions. …

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Whether you feel honored or cursed by a request to co-sign on a loan, the key to making the right decision is in asking the right questions of yourself. It should never come down to whether you should, but whether you want to in light …

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401k’s, IRAs, and other pretax retirement savings accounts are now the most common ways to save for retirement, and millions of Americans pour money into them every year. In some cases, people commit too much money into their IRAs, without saving enough …

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If your business is located in a rural community, you may qualify for a special type of loan. The U.S. Department of Agriculture (USDA) maintains a Business and Industry (B&I) Guaranteed Loan Program. The USDA provides guarantees of up to 80 …

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When you are knee-deep in debt, you are always looking for ways to pay off or pay down those high interest credit cards or high interest loans. If you have a credit card or loan that has an interest rate of …

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One of the main reasons for fixing your credit and increasing your credit score is so that you can be approved for a loan. It might be a loan for a car, a house, or an RV. Or maybe you want to borrow money …

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We have a lot of articles on our site offering advice on how to pay off your debts and become debt-free. We know that finding yourself over your head in debt eventually leads you down the road of missed payments, repossessions, and …

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Millions of Americans have financial difficulty, but for men and women in the service, trouble making ends meet is compounded by a direct threat to their work. Finances for some military personnel are a month-to-month struggle. Deployments, relocations, and more …

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How can you be expected to open a credit card or take out a loan if you aren’t told all the terms of the agreement? You can’t, which is why we have the Truth in Lending Act. Enacted in 1968, this law requires lenders …

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Though they’re advertised as a way to help consumers make ends meet until their next payday, cash advances from payday lenders almost always do their borrowers more harm than good. Fortunately, the Consumer Financial Protection Bureau (CFPB) exists to supervise financial products and services, …

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There are many reasons to get a personal loan: debt consolidation, home repairs, tuition costs or that item that you just have to have.   A personal loan generally means that the loan is unsecured loan and repaid over a …

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