Better Credit Blog

APRIL 1, 2022

If you need money now, an online personal loan can be a fast and easy way to secure funds. Whether they’re for debt consolidation, a home improvement project, or other expenses, these loans often come with low-interest rates and flexible repayment options. Ad If you're struggling to make ends meet, a Personal Loan can help.

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Nerd Wallet

JUNE 22, 2021

A signature loan is a fixed-rate, unsecured personal loan offered by an online lender, bank or credit union. It’s called a signature loan because it’s secured by your signature instead of collateral, like a car or an investment account. The best way to. Jackie Veling writes for NerdWallet.

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Credit Corp

SEPTEMBER 16, 2020

Only become an authorized user if you are both committed to practicing smart credit-building habits. Credit Builder Loans. Credit builder loans aren’t widely publicized, but they are a great way to build credit without a credit card. Peer-to-Peer Loans. Federal Student Loans. Auto Loans.

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Sawin & Shea

JUNE 16, 2021

How to obtain a personal loan: Get a copy of your credit reports (Equifax, Experian, and TransUnion). Tip: Credit unions often offer better rates than banks because they are non-profit organizations. If you are not unable to qualify for an unsecured loan: Apply for a secured loan.

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Credit Corp

SEPTEMBER 13, 2023

Auto Loans : Auto loans are issued by a bank, a credit union, or a company that specializes in automobile lending. Mortgage Loans: Mortgage loans are issued by a bank, a credit union, or a company that specializes in mortgage lending. Lenders charge you interest on the amount you revolve.

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Credit Corp

AUGUST 24, 2021

What Are Vacation Loan Alternatives? What Is a Vacation Loan? A vacation loan is a personal loan borrowers use to pay for transportation, hotels, and other vacation-related expenses. Typically vacation loans require no collateral and should get paid in fixed, once-a-month payments.

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Credit Corp

OCTOBER 25, 2023

Not having credit doesn’t necessarily mean that someone isn’t financially stable. However, without a credit score, it will likely be more difficult to get approved for a personal loan , credit card, mortgage, car loan , or other types of credit.

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Credit Corp

MAY 30, 2021

The following is a guest post from Dr. David L Tuyo II, president and CEO of University Credit Union. Securing a loan can be a big financial decision with a lot of implications on your personal finances and your life. Seek Out Credit Unions or Community Banks.

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Credit Corp

JANUARY 24, 2024

Most credit builder loan repayment terms range between 6 and 24 months. How Do Credit Builder Loans Work? Credit builder loans work differently than regular loans. However, you must be a credit union member to apply for a loan.

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Credit Corp

OCTOBER 25, 2023

Credit Card Consolidation Loans A credit consolidation loan is a type of unsecured personal loan that comes with a set repayment period and fixed monthly payments. For a credit card consolidation loan to make sense, the interest rate needs to be lower than the interest rate for your credit cards.

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Better Credit Blog

MAY 4, 2022

These include transferring all your debt onto just one credit card as well as taking out a secured or unsecured personal loan—perhaps with the help of a professional debt consolidation company. HELOC loans are similar, except that you can continue to draw money from them—up to a set amount. Credit card 3.

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Debt Free Colorado

NOVEMBER 28, 2024

Certain debts—such as credit card debt, medical bills, and personal loans—can be discharged. Personal Loans: Unsecured personal loans from banks or credit unions are usually dischargeable. It includes those taken for personal needs without collateral.

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Better Credit Blog

AUGUST 9, 2021

Whereas rates on credit cards can be 13-25%, average rates on personal loans are 14-18%,” says Toms. They can vary widely, however, from just over 4% annually (for people with exceptional credit) to 25% for people with poor credit.”. Best Debt Consolidation Loans. Cons: Minimum credit score of 680.

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Better Credit Blog

AUGUST 9, 2021

Whereas rates on credit cards can be 13-25%, average rates on personal loans are 14-18%,” says Toms. They can vary widely, however, from just over 4% annually (for people with exceptional credit) to 25% for people with poor credit.”. Best Debt Consolidation Loans. Cons: Minimum credit score of 680.

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Sawin & Shea

APRIL 17, 2024

Common types of dischargeable debt include: Credit card debt Medical debt Judgements Utility bills Back rent Personal loans Repossession balances While Chapter 13 helps you repay certain debts and discharge remaining balances, not all forms of debt are dischargeable.

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Credit Corp

JANUARY 8, 2025

Personal loans are a flexible type of financing that allows you to borrow money from banks and lenders and use that money however you see fit. You can typically use these loans however you want, with some offering interest rates as low as 5.91%. Lower scores can make it tough to qualify for a loan.

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