All Blogs on: Bad Credit

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Should You Refinance a Personal Loan?

Can you refinance a personal loan? And is it the best option? Personal loans help individuals bridge gaps between their income and expenses or fund major life events. However, once you’ve taken out a personal loan, circumstances might change, leading you to wonder if there’s a better financial option available. Refinancing may be one of […]

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5 Personal Loan Rejection Reasons Impacting Your Approval

Understanding Personal Loan Rejection Reasons Personal loans are a common source of funding used by millions of consumers. By the fourth quarter of 2022, more than 22.5 million consumers had at least one unsecured personal loan. These types of loans are popular because they can provide the necessary funds to cover various expenses, from medical […]

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How to Boost Retirement Savings While Paying Off Loans

Tips to Help Boost Retirement Savings While You Pay Off Debt Saving for retirement is crucial, yet it’s challenging for many Americans. According to U.S. Census Bureau data from 2018, about 50% of women and 47% of men between the ages of 55 and 66 have no personal retirement savings. Managing loan payments can often […]

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3 Reasons to Choose a Personal Loan Over a 401(k) Loan

Whether a 401(k) loan or personal loan is the right option. If you need funding for a major life event, home improvement project, or other major expense, you might be considering borrowing from your 401(k), or retirement savings, or taking out a personal loan. While both options have their benefits and drawbacks, this article explores […]

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Tips to Help You Get Personal Loan Approval

Get the funding you need. Discover tips to increase your personal loan approval chances now. Personal loans can help you reach your short-term financial goals. Whether you’re planning a dream vacation, consolidating debt, or dealing with unexpected expenses, a personal loan can provide the funds you need when you can’t use or don’t have enough […]

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Understanding the Difference Between Negative & Positive Debt

We’re taught to see debt as a bad thing, but some debts actually play a role in your overall financial health. Understanding the difference between positive debt and negative debt is crucial for making informed financial decisions. Explore the nuances of these two types of debt and learn how to navigate your finances effectively. Positive […]

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How to Budget When You Have a Fluctuating Income

Managing personal finances is difficult for many Americans. About 35% of Americans reported that they are in the most debt of their lives, according to a Harris Poll of 2,740 U.S. adults. The average American in 2023 carries $21,800 in personal debt. Sticking to a budget and keeping debt low can be especially challenging when […]

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Should You Take Out a Salary Advance Loan?

When your payday is too far away to cover an unexpected expense, some Americans turn to salary advances. About 32% of workers run out of cash before payday. Salary advance loans have gained popularity in recent years to bridge short-term financial gaps. These loans provide individuals with the opportunity to access a portion of their […]

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How to Manage a High Monthly Car Payment: 3 Essential Strategies

Committing to a car payment is a significant fiscal responsibility that requires careful consideration and planning. from the Federal Reserve Bank of New York. Auto loan delinquencies are at their highest since the Great Recession. Planning for your car payment before you buy a car can help you avoid financial hardship. When faced with a […]

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Are Personal Loans Between Family Members a Good Idea?

Should You Take Out a Personal Loan to Help a Family Member? Emergencies and unexpected expenses happen. When a family member needs financial help, it can be challenging to determine what to do. While wanting to support our loved ones during tough times is natural, it’s also important to weigh the options and consider the […]

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The Top Differences Between Secured and Unsecured Personal Loans

Before You Apply, Learn the Differences Between Secured and Unsecured Personal Loans Personal loans can help you fund just about any expense. When considering personal financing options, borrowers often come across secured and unsecured personal loans. While both serve as valuable financial tools, they have fundamental differences that can make one more beneficial than the […]

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Lending options for all credit types

Bringing accountability and transparency to online lending.