Loans | Credit Card Topics

Access Upfront Cash Without Taking on Debt by Leveraging Your Home’s Future Value

By: Mike Senecal, 1/6/2025

U.S. homeowners collectively hold $11.5 trillion of accessible home equity, yet high interest rates make using it a challenge for those with less than stellar credit scores. A home equity investment from Splitero gives you a lump sum of cash in exchange for a share of your home's future value so you can pay down debt. The pressures of today's high-interest economy box many out of debt-based home equity solutions. Splitero frees homeowners to leverage the value they have... read more »

SMBs Choose Fast and Flexible Revenue-Based Financing to Access Working Capital As Needed

By: Mike Senecal, 11/21/2024

Small business owners shouldn't have to risk their personal credit to pursue their ambitions. But that's what can happen when an up-and-coming business needs cash too quickly for a bank to supply it or falls short of government thresholds. Through its Flex Line and Business Card, Revenued provides an alternative financing model where businesses gain upfront cash in return for a share of their future revenue. Flexible, short-term revenue-based financing from Revenued... read more »

Real Estate Investors Across the U.S. Choose This Private Lender to Realize Their Potential

By: Mike Senecal, 12/17/2024

Private or hard-money real estate investment lending exists to accomplish what traditional banks and lending institutions can't: being there, at the right time, with the necessary cash to get the right deal done. It sounds simple, but every investment home purchase involves a unique and potentially baffling combination of variables. It pays to work with experienced lenders, and that's what thousands get at Tidal Loans. Our conversation with Tidal's Kyle Farmer taught us... read more »

A Nonprofit Lender Supporting Women- and Minority-Led Businesses Through Education and Mentoring

By: Mike Senecal, 8/14/2024

Unfortunately, the for-profit lending industry leaves many would-be entrepreneurs — women, people of color, and those with low incomes — on the sidelines due to low credit scores. Since 1994, the nonprofit Accion Opportunity Fund (AOF) has lent nearly $1 billion to reverse racial and gender inequities and broaden access to business lending. AOF also provides free resources and coaching to help people gain the confidence and skills to strive for success. Our... read more »

When Opportunity Knocks and the Banks Don’t Answer, This Private Lending Partner Gets Equity Deals Done

By: Mike Senecal, 9/12/2024

Banks lend other people's money in a highly regulated, non-asset-backed environment predicated on creditworthiness and the borrower's financial stability. Those things are relevant in secured or hard money lending, but commercial and residential real-estate backing circumvents traditional banking constraints and enables private lenders to do more deals. Source Capital has leveraged equity to close more than $550 million in loans since 2007. In California, Arizona,... read more »

FinMkt Enables Lenders to Reach New Customers Through Its End-to-End, Embedded Finance Solutions

By: Andrew Allen, 6/26/2024

Banks and credit unions that haven’t considered entering the point-of-sale financing space may be missing lending opportunities. FinMkt brings lenders, merchants, and borrowers together in one ecosystem. Its innovative financing solutions can help banks and credit unions extend their footprint to borrowers nationwide. FinMkt can fully onboard new partners in as little as three months. Anyone who’s searched for a loan to finance a significant expense, such as the... read more »

AgAmerica Provides America’s Farmers With Lending Products and Guidance to Keep Farms Vibrant

By: Andrew Allen, 1/12/2024

Farmers face unique challenges in running their farms and managing their businesses. AgAmerica understands the agriculture business and provides farmers with access to financing products to help farms thrive. The company works with financially distressed farmers to fix their cash flow problems and restore the health of their farming business. AgAmerica provides estate and succession planning services to help farmers ensure their farm’s future is bright. ... read more »

7 Best Lease Buyout Auto Loans (2024)

By: Eric Bank, 1/26/2024

Leasing is a flexible alternative to a car loan because it offers several options at expiration. You can simply return the car, lease or buy a different one, or purchase it through a lease buyout loan. This article explains how a buyout loan works and reviews several of the best sources. One of these options may suit your requirements perfectly. Navigate This Article: Best Overall Loans Additional Loan Sources ... read more »

7 Best Pre-Approval Auto Loans (2024)

By: Choncé Maddox, 3/4/2024

Are you looking for your next car, but don’t have the cash to pay for it upfront? Most people rely on auto loans to purchase their vehicles. If you need an auto loan, getting pre-approved can help you compare loan terms and streamline the application process. While pre-approval doesn’t guarantee final approval, our reviews of the best pre-approval auto loans for people with fair or bad credit can help you find a lender that’s best for your situation. ... read more »

7 Guaranteed Approval Auto Loans (2024)

By: Choncé Maddox, 1/26/2024

Getting a car loan can seem tedious when you think about all the information and requirements you need to apply. Even then, there’s no guarantee you’ll be approved for a loan. While guaranteed approval auto loans don’t really exist, many lenders have lenient approval conditions and no minimum credit score requirements, making it easier for most people to get approved. If you have bad credit, you will need to rely on certain lenders to approve you for an auto loan. In... read more »

7 Best Auto Loans After Bankruptcy (2023)

By: Eric Bank, 9/23/2023

Life goes on after bankruptcy. And in America, driving is a large part of living. Whether you lost your car through repossession or simply need to purchase a vehicle, your financial history doesn’t have to prevent you from getting an auto loan. We’ve assembled a list of auto loan sources willing to work with consumers who have emerged from bankruptcy. They offer a helping hand as you recover your credit standing and rebuild your finances. Best Post-Bankruptcy Auto Loans... read more »

7 Car Loans Easy to Get Online (2024)

By: Eric Bank, 1/28/2024

News Flash! It’s hard to drive somewhere to fill out a car loan application if you don’t have a vehicle. Thankfully, you can avoid the trip by applying online — it takes only a few minutes and is easy peasy. We’ve made it even easier by providing you with reviews of the best online car loans. Applying is painless and fast — fast enough that you may be behind the wheel of your new car by the end of the day. Navigate This Article: ... read more »

9 Online Installment Loans With Instant Approval (2024)

By: Eric Bank, 1/26/2024

We live in fast times: streaming services, 10-minute food delivery, telemedicine, ChatGPT writing your book report … you get the picture. We want what we want, and we want it now. How fitting, then, to consider ways to get an installment loan with instant approval. No lender approves all loan applications, but the ones in our survey will give you a decision, well, instantly. They then follow up with same- or next-day funding. Keep reading to learn more (estimated reading time: six... read more »

5 Bad Credit Auto Loans With No Down Payment (2024)

By: Eric Bank, 6/6/2024

Having bad credit doesn’t necessarily mean you’re chronically short of cash. But many American consumers must contend with poor credit and tight budgets. If that describes you and you need to purchase a car, a bad credit auto loan with no down payment may seem ideal. This article identifies several sources that offer subprime car shoppers access to zero-down loans. We also discuss things you can do to improve your loan approval odds. The bottom line is that you can buy... read more »

5 No-Credit-Check Auto Loans (2023)

By: Eric Bank, 5/24/2023

When you need a car, you need a car! You need to get to work, chauffeur the children, drive to the supermarket, and do the thousand other chores that require driving. You need a no-credit-check auto loan, and you may need it today. Don’t vent — read our article on car loans that don’t check your credit and deliver funding as soon as the same day. You can apply online in a few minutes and receive one or more offers just as quickly. It’s entirely possible for a car buyer to... read more »

9 Best Auto Refinance Loans For Bad Credit (2023)

By: Eric Bank, 8/23/2023

The two primary purposes for refinancing your vehicle are to modify the car payment arrangements and to cash out your equity. As it turns out, bad credit is not a significant impediment to refinancing because your car is collateral for the loan. But poor credit may require you to pay a higher interest rate, one of many compelling reasons to strive for a good credit score. This review of the best auto refinance loans for bad credit includes direct lenders and loan-finding networks.... read more »

700Credit Streamlines Credit Reports, Compliance, and Soft Pulls to Help Auto Dealers Improve Sales

By: Mike Senecal, 3/30/2023

People need cars, but the last thing a typical consumer wants to do on a sunny Saturday afternoon is buy one. Fortunately, digital transformation is positively impacting automotive sales and reducing the time customers spend in dealerships. 700Credit is at the forefront of that transformation. 700Credit provides more than 20,000 clients with credit reports, prequalification and soft-pull services, compliance solutions, and identity verification and fraud detection... read more »

5 Best Refinance Auto Loans (2023)

By: Eric Bank, 3/22/2023

Your car is such a mixed bag. On the one hand, it provides transportation for your daily needs and perhaps offers you some pride of ownership. On the other hand, it’s expensive to finance and maintain. You can tilt the balance toward the positive with a good refinancing loan, which helps your budget by lowering your interest rate, reducing your monthly payments, and/or providing you with some extra cash. This article reviews five of the best refinance auto loans.... read more »

11 Car Loans For No Credit History (2023)

By: Eric Bank, 11/24/2023

As a Manhattanite, I waited until age 25 to buy my first car and by then had already acquired a couple of credit cards. But many folks in their late teens, including students, get a car before a credit card or any other form of credit. Consumers with no credit history face unique challenges when attempting to finance an automobile purchase. Here are 11 options to overcome those challenges, allowing you to experience the pride of car ownership (and the responsibility for the... read more »

5 Auto Loans For Fair Credit (2024)

By: Eric Bank, 1/25/2024

If you’re like me, you wrestle for a while with the decision to replace your current car. Whether it’s your first car or the next in a long succession, the factors weighing on you are practical, emotional, and financial. The first two are strictly personal, but we can address the third. This article makes clear that less-than-perfect credit is no hindrance to car ownership. Indeed, you have more than enough options — we cover nine auto loans for fair credit here — to... read more »

Smarter Loans Helps Borrowers Make More Informed Decisions Through Reputable Lending Options

By: Sean Roderick, 1/30/2023

Smarter Loans is an independent lender comparison website that compiles verified information on financial companies. Users can search among Smarter Loans’ 60 lenders for loan options in several categories including personal loans, home equity, auto, and commercial financing for small business funding. The company is part of the emergence of non-bank lenders now joining the market. Smarter Loans plans to introduce technology upgrades that will enhance centralization and... read more »

5 Best Auto Loans For Students (2023)

By: Eric Bank, 11/25/2023

If you are a student, you face unique challenges in getting a car loan. You may have never owned a car and have no credit history at all. In addition, you probably have a limited income. These factors mean that auto loans for students tend to have high interest rates and low borrowing caps. The good news is that several online lending networks cater to consumers with no, limited, or bad credit. We review five of the best, all willing to help students finance a vehicle despite scanty... read more »

7 Best Loans For Gig Workers (2023)

By: Eric Bank, 12/25/2023

The life of a gig economy worker isn't all glamor. Sure, the gig economy often provides a degree of autonomy that is hard to achieve through regular employment. And you can decide to take time off according to your schedule, not a company's. But being a gig employee or owning a small business means that you don't have an incoming cash flow if you don't work. Moreover, the Small Business Administration has described the difficulties of getting freelancers and small businesses... read more »

7 Best Holiday Loans (2025)

By: Eric Bank, 3/5/2025

That twinkle in the store manager's eye can mean only one thing: The holiday shopping season is upon us. Naturally, we consumers must do our part, but money might be a little tight right now. But that's OK, thanks to the easy availability of Christmas loans and perk-laden credit cards. We review the best options for credit users during the festive season and answer a few questions to help you decide whether holiday loans work for you. Navigate This... read more »

9 Loans & Credit Cards: 450 to 500 Credit Score (2024)

By: Eric Bank, 1/25/2024

You may have a 450 to 500 credit score, but you're probably not very happy about it. This article should cheer you up just a little. The companies that offer the reviewed loans and credit cards cater to consumers with bad credit scores. These issuers and lenders understand that a borrower may have experienced score-shredding financial challenges, so they deliver products that address immediate concerns while providing the opportunity to rebuild credit. We'll show you... read more »

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