The Ultimate Guide to Credit Cards
Friday, July 19, 2024

All articles tagged Loans (page 2)

7 Short-Term Loans For Bad Credit (Feb. 2024)

7 Short-Term Loans For Bad Credit (Feb. 2024)

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 (Feb. 2024)

7 Best Payday Loans For Bad Credit (Feb. 2024)

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 »

7 Emergency Loans For Bad Credit (Feb. 2024)

7 Emergency Loans For Bad Credit (Feb. 2024)

Finding emergency loans for bad credit shouldn’t make a stressful situation even more difficult. After all, an emergency requires your full attention — and you can’t give that if you have to divert your focus toward finding a lender that will work with you. Thankfully, the best online lending networks partner with lenders that specialize in extending bad credit loan offers to consumers in need of cash. The loan application takes only a few minutes to complete, and you could... read more »

7 Best Same-Day Loans Online (Feb. 2024)

7 Best Same-Day Loans Online (Feb. 2024)

We’ve researched the best same-day loans online for quite some time. And although the market continues to evolve as new competitors enter and old ones exit, one thing remains the same. There’s always strength in numbers. That’s why we continue to favor online lending networks over individual lender websites. With a lending network, you can submit one loan request — which doesn't harm your credit score — and have several lenders potentially bid for your business. These... read more »

7 Best No Credit Check Loans (Feb. 2024)

7 Best No Credit Check Loans (Feb. 2024)

The best no credit check loans can help you find the short term loan you need without submitting to a credit report inspection. This may be your best loan option if you have recent negatives on your credit report or if you have a credit score that disqualifies you from most loans. While most bank and credit union loans will require a credit check for approval, some independent lenders are willing to forego the process in exchange for a higher interest rate or added fees that offset... read more »

6 Easy Approval Cash Advance Loans (Feb. 2024)

6 Easy Approval Cash Advance Loans (Feb. 2024)

Easy cash advance loans, which are also known as payday loans, can provide you with the funds you need to cover an unexpected expense like a car repair or medical bill. These are small, short term loans that can be real lifesavers when you’re in a financial crunch. You can apply for easy cash advance loans online from the comfort of your own home and receive the money in your bank account fairly quickly. A cash advance loan is a great alternative to a traditional loan, which... read more »

7 Best Low-Credit-Score Loans (June 2024)

7 Best Low-Credit-Score Loans (June 2024)

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 »

7 Best Credit Cards & Loans: 800-850 Credit Score (July 2024)

7 Best Credit Cards & Loans: 800-850 Credit Score (July 2024)

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 an... read more »

7 Best Loans & Credit Cards: 750-800 Score (June 2024)

7 Best Loans & Credit Cards: 750-800 Score (June 2024)

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 »

8 Best Loans & Credit Cards: 700-750 Score (Feb. 2024)

8 Best Loans & Credit Cards: 700-750 Score (Feb. 2024)

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 »

8 Best Cards to Consolidate Credit Card Debt (July 2024)

8 Best Cards to Consolidate Credit Card Debt (July 2024)

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 »

6 Guaranteed Installment Loans for Bad Credit (June 2024)

6 Guaranteed Installment Loans for Bad Credit (June 2024)

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 asking for angry customers (and a potential lawsuit). In other words, the closest you'll get to a guaranteed installment loan is finding a lender with flexible credit requirements that specifically caters to those with bad credit. While every credit application comes... read more »

8 Best Loans & Credit Cards: 650-700 Score (Feb. 2024)

8 Best Loans & Credit Cards: 650-700 Score (Feb. 2024)

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 »

7 Best Loans & Credit Cards: 600-650 Score (Feb. 2024)

7 Best Loans & Credit Cards: 600-650 Score (Feb. 2024)

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 »

9 Loans & Credit Cards: 550 to 600 Credit Score (May 2024)

9 Loans & Credit Cards: 550 to 600 Credit Score (May 2024)

Credit scores help determine your ability to access credit and loans. The FICO® 8 scoring system uses scores between 300 and 850, and the 550 to 600 credit score range indicates poor (579 and below) or fair (580 to 669) credit.  Getting a good credit card or low-cost loan is typically quite challenging when you occupy the poor credit score range. But take heart – many lenders and credit cards serve consumers with below-average (or subprime) scores. But time and good... read more »

5 Best Online Personal Loans for Bad Credit (Feb. 2024)

5 Best Online Personal Loans for Bad Credit (Feb. 2024)

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 »

9 Best Loans & Credit Cards: 500-550 Score (May 2024)

9 Best Loans & Credit Cards: 500-550 Score (May 2024)

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 FICO Score 8. The FICO Score 8 model operates on a scale of 300 to 850, with 850 being the best possible score. While this may 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 above 700 — and everything under 580 is firmly in "bad credit"... read more »

3 Best Credit Card Loans for Bad Credit (Feb. 2024)

3 Best Credit Card Loans for Bad Credit (Feb. 2024)

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 (July 2024)

6 Best Loans to Pay Off Credit Card Debt (July 2024)

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 »

5 Best Credit Card Loans to Pay Off Your Debt (Feb. 2024)

5 Best Credit Card Loans to Pay Off Your Debt (Feb. 2024)

Credit cards are a sort of amazing concept. Simply by filling out a few applications, you can go from having zero available credit to being able to sink yourself into thousands of dollars of debt -- all in the practical blink of an eye. When used responsibly, the easy availability of credit cards can be a great convenience, especially for those who use (and/or churn) credit cards for the rewards. But this can be as much a curse as a convenience when you end up on the wrong side of... read more »

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