The Ultimate Guide to Credit Cards
Friday, August 19, 2022

All articles tagged Loans (page 2)

Hard Money Bankers Provides Quick Real Estate Loans When Banks Can’t

Hard Money Bankers Provides Quick Real Estate Loans When Banks Can’t

In a Nutshell: Hard Money Bankers is a full service and self-funded private/hard money lending company providing fast and flexible financing for residential and commercial investment real estate deals. It is currently lending in Maryland, Washington D.C., Virginia, Pennsylvania, Delaware, and New Jersey. Loan terms range from six months to two years, of which 95% are one-year loans for fix-and-flip investors. The world of real estate investing encompasses projects that range in cost... read more »

Wefunder: How the Investment Crowdfunding Company is Using Its Platform to Help Businesses Impacted by the COVID-19 Crisis

Wefunder: How the Investment Crowdfunding Company is Using Its Platform to Help Businesses Impacted by the COVID-19 Crisis

In a Nutshell: In the face of the coronavirus pandemic, the world is facing healthcare and economic challenges the likes of which it has never seen in modern times. Wefunder is an investment crowdfunding platform that is doing its part in this crisis by using its tools and infrastructure to help deliver solutions and help small businesses stay afloat in the U.S. The company launched an accelerator to help fund innovative ideas that solve problems brought on by the virus. And its... read more »

11 Best Credit Cards & Loans for Plastic Surgery

11 Best Credit Cards & Loans for Plastic Surgery

Plastic surgery is more popular today than ever before. In fact, Americans opted for 17.7 million surgical and minimally-invasive cosmetic procedures in 2018, according to the American Society of Plastic Surgeons. But those nips and tucks don't come cheap. If you’d like to undergo a procedure, it’s a good idea to familiarize yourself with the best credit cards and loans for plastic surgery. These financing options are ideal if you don’t have the cash on hand to pay for the... read more »

Low Credit Score Loans in 2022

Low Credit Score Loans in 2022

Most people conjure images of big banks when they think of loans. But low credit score loans typically don’t come from these financial institutions. Thanks to the boom in online fintech startups, you can find dozens of lending options not affiliated with big-chain banks. And, while that may give pause to some consumers, these companies could present you with a great financial opportunity. With no overhead costs and a strong desire to compete for your business, these lenders are... read more »

IOU Financial Helps Small Business Owners Access Affordable Capital in Days Instead of Months

IOU Financial Helps Small Business Owners Access Affordable Capital in Days Instead of Months

In a Nutshell: Entrepreneurs often need access to expedited loans to keep their operations running or to seize growth opportunities. That's why IOU Financial offers fast and affordable capital to small businesses in a wide array of industries. The proprietary platform works with borrowers from initial application through final payment, and IOU Financial provides decisions in seconds and can fund up to $100,000 within 48 hours. The U.S. is home to more than 30.2 million small... read more »

Credit Builder Reverse Loan Product by Fig Loans Helps People Improve Their Credit Score and Achieve Financial Stability

Credit Builder Reverse Loan Product by Fig Loans Helps People Improve Their Credit Score and Achieve Financial Stability

In a Nutshell: When it comes to credit, more than a few people have discovered that one mistake leads to another, and another, and another -- until there's no recourse except to turn to a high-interest payday or auto title lender. Fig Loans exists to break that cycle. Its Credit Builder reverse loan product doesn't offer customers with bad credit money today, but offers them something more important -- an opportunity to improve their credit score and build a better future for tomorrow.... read more »

8 Best Loans & Credit Cards for an 800 to 850 Credit Score

8 Best Loans & Credit Cards for an 800 to 850 Credit Score

At the end of any good video game, just before the credits roll, are the words that vindicate the hard work and hours of time invested in beating each boss and mastering each level: "You Win!" If consumer credit were a video game, hitting an 800+ credit score would also come with pixelated fireworks and those coveted words. Because it's true — when your credit score is in the 800 to 850 range, you've done it; you've won the credit score game. Congratulations! You are now among... read more »

8 Best Loans & Credit Cards for a 750 to 800 Credit Score

8 Best Loans & Credit Cards for a 750 to 800 Credit Score

In the following article, we'll take a look at some of the best loans and credit cards available to those who have made it into the excellent credit category with a 750 to 800 credit score. In popular culture, a skeleton key is often described as a key that can open any lock. While truly universal skeleton keys don't exist in the real world — we have too many lock variations for just one key, no matter how revered — skeleton keys remain a popular literary device. What's more,... read more »

16 Best Short-Term Loans for Bad Credit in 2022

16 Best Short-Term Loans for Bad Credit in 2022

Finding a decent loan with bad credit can feel a lot like searching for the proverbial needle in a haystack — in the dark. With a candle. Sure, you need the light, but you could set the whole thing on fire with one wrong move. Indeed, the struggle to find a loan with poor credit is two-fold; simply finding a loan can be tough, but the real trick is finding a loan that won't be so expensive that it puts you in more financial trouble. For short-term loans for bad credit, the right... read more »

8 Best Loans & Credit Cards for a 700 to 750 Credit Score

8 Best Loans & Credit Cards for a 700 to 750 Credit Score

Although the little white mile markers on the side of the highway have lost some significance in our digital, GPS-enabled lives, anyone who slogs through a long commute can appreciate the value in knowing you're that much closer to home. For credit-building consumers, the journey to excellent credit is also studded with valuable signposts that let you know you're closer to your goal. And one of the most important mile markers along your path will be reaching — and then exceeding —... read more »

How Firefly Credit Union Helps Foster Families Afford Agency Expenses with Low-Interest Adoption Loans

How Firefly Credit Union Helps Foster Families Afford Agency Expenses with Low-Interest Adoption Loans

In a Nutshell: Minnesota-based Firefly Credit Union aims to bring families together by providing a fixed line of credit that can be used to fund up to 90% of adoption expenses. Working with two US agencies, Firefly launched its adoption loan program in early 2018 to assist growing families in managing the cost of taking a child into their homes. Today, the credit union continues to expand its network of adoption agencies as it helps families welcome kids into their forever homes. // ... read more »

8 Best Cards & Loans to Consolidate Credit Card Debt

8 Best Cards & Loans to Consolidate Credit Card Debt

With interest rates on the rise thanks to an improving economy, many may be thinking about reducing their debts. While debt consolidation may not be the solution for everyone, it can be effective for many consumers as a way to reduce interest and simplify their finances. Consolidating credit cards with a balance transfer credit card or a personal loan can be the ticket to getting your debt under control, but it can also be a path to even more financial trouble. The key to success is... read more »

12 Guaranteed Installment Loans for Bad Credit

12 Guaranteed Installment Loans for Bad Credit

It often feels as though we live in a litigious society, one in which few lawsuits are considered frivolous and any perceived slight can be addressed in a court of law. As a result, certain terms and phrases have become practically too dangerous to wield. For example, few financial services companies will dare to use the term "guarantee" for, well, anything. There really are no guarantees in finance, and claiming to guarantee anything, like approval for a credit product, is simply... read more »

8 Best Loans & Credit Cards for a 650 to 700 Credit Score

8 Best Loans & Credit Cards for a 650 to 700 Credit Score

A common adage for describing a process that takes time is to say, "It's not a sprint — it's a marathon." But, in some cases, that description is misleading; after all, a marathon can be completed in a matter of days. Some things can take years to accomplish. Things like building — or rebuilding — a good credit score, which typically takes at least 12 months of responsible credit use to reach. But, once you see your score rise into the range of a 650 to 700 credit score, you... read more »

8 Best Loans & Credit Cards for a 600 to 650 Credit Score

8 Best Loans & Credit Cards for a 600 to 650 Credit Score

Although 18 is the age at which most Americans gain the legal rights and responsibilities of an adult, whether you're considered an adult or a minor at that age tends to vary based on the situation. You're old enough to vote — but you can't buy beer. Similarly, having a 600 to 650 credit score is a bit like being 18; whether your score is considered a fair score or a bad one will vary by the situation (as well as the specific makeup of your credit profile). In other words, a FICO... read more »

Current Legislation Aims to Restore the Competitive Balance for Community Banks

Current Legislation Aims to Restore the Competitive Balance for Community Banks

In a Nutshell: A journalism professor once told me that no one likes the process of writing, but everyone loves the outcome of having written. The same goes for buying a home. Mortgage applications, and the endless paperwork at closing, can be daunting — but well worth it once it's over. That paperwork is just as burdensome for the small banks that dedicate tremendous resources to compliance and processing departments to approve loans. Current legislation aims to help community banks... read more »

8 Best Loans & Credit Cards for a 550 to 600 Credit Score

8 Best Loans & Credit Cards for a 550 to 600 Credit Score

With the common FICO 8 scoring model ranging from 300 - 850, someone with a 550 - 600 credit score may be led to believe their score is fairly average. But a score of 600 is officially considered to be fair, which may eliminate you from being eligible for the top credit cards out there. Contrary to common misconception, you don't start out with a perfect credit score. It takes six months of credit history to even be eligible for a score, and if you do everything right in those six... read more »

5 Best Online Personal Loans for Bad Credit

5 Best Online Personal Loans for Bad Credit

One of the great inequities of the personal finance world is that those who tend to need the most help are often the least likely to receive it. Personal loans are a prime example of this reality. Often used to consolidate debt or pay for sudden financial emergencies, personal loans are often hard to obtain for those with bad credit and high debt levels. But while challenging to find, options do exist for bad-credit personal loans, although they may not be as affordable as those... read more »

8 Best Loans & Credit Cards for a 500 to 550 Credit Score

8 Best Loans & Credit Cards for a 500 to 550 Credit Score

Despite the fact that it's often referred to in the singular, you actually have dozens of credit scores. That said, the most prevalent credit scoring model currently used is the FICO Score 8. The FICO Score 8 operates on a scale of 300 to 850, with 850 being the best possible score. While this might make it seem as though a 500 to 550 credit score puts you near the middle, the average FICO Score in the US is actually around 700 — and everything under 580 is firmly in the "bad... read more »

Thinking Capital Leverages Technological Innovations to Provide Canadian Small Businesses Greater Access to Working Capital

Thinking Capital Leverages Technological Innovations to Provide Canadian Small Businesses Greater Access to Working Capital

In a Nutshell: Small businesses face many threats to their survival, but none are as daunting as a lack of funding. While many Canadian small businesses have struggled to find affordable business loans, Thinking Capital has grown out its technology-driven lending platform that uses key operational data points — instead of the business owner’s personal credit information — to determine creditworthiness. More than 14,000 SMBs have acquired funding through Thinking Capital since... read more »

Online Lender OnDeck’s Dynamic Funding Options Innovate the Way Small Businesses Raise Capital

Online Lender OnDeck’s Dynamic Funding Options Innovate the Way Small Businesses Raise Capital

In a Nutshell: Small businesses make up more than 99% of US employer firms. These 28.8 million companies employ a majority of the American workforce and help support the economy in good times and bad. Still, many of these businesses have difficulty obtaining loans for the working capital they need to remain operational. OnDeck, the largest online small business lender in the US, offers term loans and lines of credit with application requirements that are easier than those at... read more »

Kasasa Loans™ Introduce A New Category of Lending that Reveals How Lending Should Have Always Been

Kasasa Loans™ Introduce A New Category of Lending that Reveals How Lending Should Have Always Been

In a Nutshell: Kasasa is a financial technology and marketing company that is partnering with community banks and credit unions to offer a new category of lending to consumers. Kasasa Loans™ give borrowers the option to “take back” any overpayment on an existing loan to use as needed with no withdrawal maximums or penalties. The Kasasa Loan Dashboard provides a digital interface on desktop and mobile to easily manage loan payments and see your available take-back balance, which... read more »

3 Best Credit Card Loans for Bad Credit in 2022

3 Best Credit Card Loans for Bad Credit in 2022

Credit card loans for bad credit can offer opportunities to get out of the interest-heavy debt that those who have made some financial missteps often find themselves trying to escape. The concept of "everything in moderation" is one that is often easier said than done — as anyone who has ever waddled away from an all-you-can-eat buffet can surely attest. But while tossing moderation to the wind in favor of a third buttery yeast roll might just give you indigestion, other excesses... read more »

6 Best Loans to Pay Off Credit Card Debt in 2022

6 Best Loans to Pay Off Credit Card Debt in 2022

It can be seriously tempting to try your hand at credit card churning after reading one of the thousands of online tales of cardholders using points and miles to practically get to the moon and back. But what is a little less publicized is that for every successful churner, there's likely an unsuccessful cardholder sitting on a lot of credit card debt. Even if churning isn't an issue, the ease and convenience of credit cards — and their double-digit APRs — have gotten many... read more »

Earn Interest, Build Credit, and Save for the Future with Self Lender Credit Builder Accounts

Earn Interest, Build Credit, and Save for the Future with Self Lender Credit Builder Accounts

In a Nutshell: Traditionally, consumers with bad or no credit histories were relegated to high-fee loans or credit cards that provided minimal help to their credit-building journey. Those substandard options are changing as Fintech companies leverage advances in technology to create consumer products with lower fees and greater impact on credit scores. A Credit Builder account through Self Lender includes an installment loan for between $500 and $1,700. The money from the loan is... read more »

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