Loans | Credit Card Topics

5 Best Auto Refinance Loans

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

By: Eric Bank, 3/1/2023

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 »

9 Auto Loans For Fair Credit

By: Eric Bank, 2/22/2023

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

In a Nutshell: 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

By: Eric Bank, 1/19/2023

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 Loans For Gig Workers

By: Eric Bank, 11/16/2022

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 »

10 Holiday Loans For All Credit Types

By: Eric Bank, 11/9/2022

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 Article: ... read more »

9 Loans and Credit Cards For a 450 to 500 Credit Score

By: Eric Bank, 8/10/2022

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 »

Kabbage Keeps Small Businesses Growing With Real-Time Access to Capital

By: Adam West, 7/13/2022

In a Nutshell: Kabbage offers cash flow tools to small business owners who need access to lines of credit, business checking products, and payment processing systems. American Express acquired Kabbage in 2020 and expanded the number of services the company offers to SMBs. And many business owners leverage Kabbage lines of credit to fund sign-on bonuses and other perks to attract top talent from larger competitors. Job postings are near record highs as businesses across America... read more »

14 Instant Approval Auto Loans For Bad Credit

By: Eric Bank, 6/8/2022

This article reviews providers of instant approval auto loans for bad credit. Why? Well, you know those long hours you spend at a car dealership working out your bad credit car loan? Guess what -- you’ll never get that time back. The best strategy is to sidestep the whole thing by obtaining instant auto loan approval. The good news is there are a baker’s dozen of online auto loan providers willing to give you an instant decision, even if you have less-than-perfect credit. With... read more »

CircleUp Goes the Extra Mile to Offer Loans to Small Businesses with Growth Potential

By: Adam West, 5/12/2022

In a Nutshell: Before a business shows consistent positive cash flow, it often needs support that traditional lenders aren't willing to provide. That means that a lot of great ideas never get off the ground. CircleUp provides flexible loans for small businesses with growth potential that a financial analysis alone may not prove. Its Helio data intelligence platform helps add that value by providing competitive insights about its startup customers, which compliments the team’s deep... read more »

7 Easy Online Loans in 2023

By: Ashley Dull, 5/2/2022

You can find easy online loans if you know where to look. Numerous online lenders have entered the marketplace over the last decade, and most offer great interest rates and relaxed acceptance standards to compete with the pack. While that may mean less profit for them, it can also mean a better loan for you. Check out our recommendations below and start the research you need to find easy loan approval. Installment Loans | Cash Loans | Credit Cards | FAQs Easy Online Installment Loans... read more »

SBA 7(a) Loans Offer Entrepreneurs Flexibility in Helping Their Small Businesses Reach the Next Level

By: Brandon Rossman, 4/26/2022

In a Nutshell: SBA 7(a) loans provide small businesses with the funding they need to grow. The loans are issued by private lenders with partial backing from the U.S. Small Business Administration. SBA 7(a) loans can be used for a wide range of expenses, with most businesses using the funds to buy equipment, expand to more locations, or purchase supplies. With low interest rates and long repayment terms, SBA 7(a) loans are one of the most popular ways to grow a business. Small... read more »

Acuity Digital Lending Support Helps Credit Institutions Streamline Workflows and Improve Service

By: Jon McDonald, 2/24/2022

In a Nutshell: Acuity Knowledge Partners aims to help banks and other financial institutions revise internal workflows to improve front-office efficiency. Its technology and finance expertise allows institutions to pinpoint their problems and develop effective solutions. As conditions during the COVID-19 pandemic led to more out-of-office work and automation in the banking industry, Acuity Knowledge Partners promoted growth by ushering banks away from cumbersome legacy systems and... read more »

Auto Repair Loans For Bad Credit

By: Eric Bank, 12/27/2021

My nephew knows all about auto repair loans for bad credit because he's gotten several of them from me. He's a very nice young man, but he has a nasty habit of repeatedly crashing his trucks, cracking engine blocks, and destroying transmissions. According to the AAA, "While maintenance costs on most modern cars are relatively low, common repair costs average $500 to $600 and in many cases go much higher." I can attest to the "much higher" part. This article describes... read more »

Cash Advance Loans For Bad Credit in 2023

By: Eric Bank, 11/2/2021

Needing cash advance loans for bad credit is a double whammy. First, you may be experiencing a cash crunch and need an emergency loan. Second, your credit is bad, and banks won’t talk to you. Thankfully, several types of short-term loans cater to, or at least do not discriminate against, consumers with poor credit. You can prequalify for any of these loans without harming your credit. One of these just may be the right answer to your money needs. Navigate This Article: ... read more »

Best Home Improvement & Repair Loans of 2023

By: Adam West, 9/28/2021

The best home improvement & repair loans can quickly transform your home from the outhouse to the penthouse. You can fund your home repairs or upgrades with a personal loan or a home equity loan. And, depending on your credit score or the equity in your home, you may get an affordable interest rate, monthly payment, and repayment term that makes the debt more manageable. And while we may not be handy with a hammer and nail, we definitely know a thing or two about loans. ... read more »

How to Get Approved For a Loan in 2023

By: Erica Sandberg, 9/27/2021

Getting the message that you've been approved for a credit product you applied for is a thrill. It means you've met (or exceeded) the lender's set of qualification standards. Although lenders do not publish precisely what they are looking for in an applicant, there are ways to increase your acceptance odds. Most important is your credit. Almost all lenders will evaluate your credit reports and the credit scores derived from the information on your credit file. The most common... read more »

Online Payday Loans With Same-Day Approval

By: Eric Bank, 9/22/2021

When consumers with bad credit need money fast, they often turn to payday loans online with same-day approval. This type of online loan promises quick loan approval but can be quite expensive. We’ll look closely at seven lender-matching networks that offer payday loans or less expensive short-term personal loans. One of these bad credit lenders may be able to arrange a short-term loan for you. Navigate This Article: Online Loans FAQs ... read more »

How Your Credit Score Affects Your Loan Terms

By: John Ulzheimer, 8/31/2021

It’s commonly understood that your credit scores can make or break your chances of qualifying for a loan or other forms of credit. Yet, it may come as a surprise to learn that the impact of your credit scores can go much deeper than the initial approval or denial, the binary decision made by prospective lenders. Lenders don't just use credit scores to decide whether to approve or deny your new financing applications. If you do qualify for financing, your credit score may... read more »

Bad Credit Car Loans in 2023

By: Kiara Taylor, 8/3/2021

Bad credit car loans are a necessity for many Americans. A new car is more than just a nice ride -- folks rely on their vehicles to take their kids to school, get groceries, and drive to work. Unfortunately, car shoppers with a bad credit rating can be cut off from this vital resource, hindering their ability to work, care for their kids, or simply enjoy life. But while you may think you’re out of luck, it's still possible to get a car loan, even with a bad credit score.... read more »

Easiest Loans To Get Approved For in 2023

By: Ashley Dull, 7/27/2021

The easiest loans to get approved for won’t deny your loan application because you have a bad credit score. These lenders welcome your business and will work to give you a second chance to build a good credit history. Unlike a bank or credit union, the lending networks listed below specialize in curating bad credit personal loan options with a competitive interest rate, loan term, and monthly payment. Each network partners with many lenders that offer fast approvals and next-day... read more »

Short-Term Loans For Bad Credit in 2023

By: Ashley Dull, 7/26/2021

For people with a less than perfect credit score, securing short-term loans for bad credit may seem like a daunting task. It’s likely these folks have had negative experiences in the past while dealing with a particular lender when they needed an emergency loan or quick payday loan. And they certainly know firsthand the stress and uncertainty that can come from not having the money they need when they need it. But getting a short-term loan isn’t nearly as difficult as you may... read more »

7 Best Payday Loans For Bad Credit of 2023

By: Eric Bank, 6/2/2021

If your credit score is in the dumps and money is tight, you may want to seek out the best payday loans for bad credit. A payday lender can spot you some cash until your next payday, whatever your credit rating. Just be prepared for some hefty fees and interest rates. Or consider a short-term installment loan instead -- it costs far less and is available from most of these lending services. The reviewed loan networks below will prequalify your loan request and find you an appropriate... read more »

StackSource’s Commercial Real Estate Credit Portal Connects Buyers with Lenders for the Best Rates and Terms

By: Adam West, 5/24/2021

In a Nutshell: When it comes to technology adoption, the relationship-based commercial real estate space is frequently late to the party. StackSource is changing that by offering buyers a platform to compare the best credit offers from hundreds of potential lenders -- including private entities including banks and credit unions, and government-backed issuers. But it's not just about technology. After the application process is complete, an experienced StackSource capital advisor helps... read more »

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