Getting a personal loan with no credit history and no cosigner can be difficult, but there are always options available. While you may not get approved for a large loan with a traditional bank, you can find a bad credit loan or no credit loan through other types of lenders. If you’re willing to put the time and effort into…
Whether you want to consolidate your debt or are getting ready to complete a renovation on your home, a personal loan can provide you with the money you need to complete these projects. When you and I are searching for the right loan, the interest rate should be the most important factor in the decision. Interest rates can vary significantly.…
Taking out a personal loan can be a helpful way to make a big purchase, consolidate your debt, or strengthen your credit history. Getting approved is not always easy, though. Lenders take a number of factors into consideration when you apply for a loan, and there’s never a guarantee that you’ll be approved. You can improve your chances of approval…
If you don’t have an emergency fund, you are not alone. According to Bankrate, 28 percent of American adults do not have a rainy day fund, but an unexpected expense can come up at any time. If none of the people in your circle would be able to lend you the money you need for an emergency, you would experience…
What Is the Federal Housing Administration? The Federal Housing Administration or FHA is the governmental body that insures mortgages for loans made by lenders approved by the FHA. Qualifying loans are those that require borrowers to place at least 3.5 percent as a down payment rather than the 20 percent that lenders usually charge. These loans also require that you…
11 Ways To Get the Lowest Mortgage Rate 1.) Raise Your Credit Scores One of the best ways to get a low mortgage rate is to have the highest credit scores possible. If you are going to have high credit scores, you must pay all of your bills on time. If you have been doing this, your lender will learn…
Many homeowners are carrying several types of debt, and it can be overwhelming. Along with their mortgage debts, they may also have student loan debts, credit card debts, medical debts and personal loans. The interest rates on these other debts can be much higher than their mortgage interest rates, and mortgage interest can be tax deductible, so refinancing their loans…
15 Tricks for Successful Budgeting If you are like many Americans, you have credit card debt. According to Creditcards.com, approximately 37% of all households in the U.S. have unpaid balances on their credit cards. The average credit card debt per borrower in 2019 was reported as $5,554. Credit card interest is one of the highest types of debt, with annual…
How to Get a Personal Loan If you’re faced with an unexpected project, your car breaks down or you want to consolidate debt, you could take out a personal loan. It will leave you with a large chunk of cash that you can pay back with interest over time. Whereas the average credit card interest rate is between 15 and…
Tips For Budget Financial insecurity is a huge source of stress to Americans. In fact, many adults stick their heads in the sand when it comes to understanding their finances. Because they are scared of what they will discover about their debts and bills, they choose to continue spending mindlessly, hoping that everything will turn out well in the end.…