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Category Archives for loans

Personal Loan to Consolidate Credit Card Debt

Making monthly payments on time every time is an important factor when it comes to creditworthiness. When you make low monthly payments for less than the minimum amount due, this often results in the credit lender reporting your account as past due on your annual credit report, which can negatively impact your credit score. Pro […]

Unsecured Personal Loan Requirements

Learning about the lending criteria for an unsecured personal loan can help an applicant to be better prepared when they apply. Getting approved for this kind of loan works differently compared to applying for a secured loan, and the approval criteria is often much stricter, making this type of loan harder to qualify for. This […]

Personal Loan APRs

An APR is the amount of interest a person will pay on their total loan amount annually. Lower APRs translate to more affordable monthly payments. In most cases, it will make more sense to choose a loan with a lower annual percentage rate, however, at times, a loan offer with a lower rate can require […]

Secured Personal Loan Sources

If you need a personal loan, but your credit is less than perfect, then you probably think you’re out of luck, however, that isn’t necessarily the case. A secured personal loan can be the perfect option for people with poor credit. When you apply for an unsecured loan, lenders will look at income, debt levels, […]

Personal Loan vs. Credit Card

Typically, choosing a personal loan can be a more affordable option when it comes to financing a large purchase when compared to a credit card. However, there are some exceptions. Often, it’s better to pay cash for major purchases, which is why most finance experts emphasize the importance of saving as often and as early […]