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  1. Using a Personal Loan for Medical Procedures

    Using a Personal Loan for Medical Procedures

    Kat Tretina January 23, 2023

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    Medical loans are a form of a personal loan. They’re specifically designed to pay for medical expenses, including essential or elective procedures. They’re unsecured, meaning you don’t have to put up any property as collateral, and they can even be used to cover the cost of your deductible or out-of-network fees.

  3. Should I Get a Holiday Loan

    Should I Get a Holiday Loan

    Kat Tretina October 31, 2022

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    While it’s a festive and cheery time of the year, it’s also expensive. Many people don’t have the kind of money saved in their bank accounts, leaving them scrambling to pay for holiday expenses. If that’s the case for you, you might be considering using a credit card to finance your purchases. But there may be another option that’s a better choice: a holiday loan.

  4. 5 Reasons Why You Should Never Take a 401(k) Loan

    5 Reasons Why You Should Never Take a 401(k) Loan

    Kat Tretina October 28, 2022

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    When you need cash for a downpayment on a home or when you hit a financial emergency, your retirement nest egg can look pretty appealing. You might have thousands stashed away in a 401(k), so when you need money quickly, taking a loan from your own account can be tempting.

  5. SpecTECHular Holiday Shopping Program

    SpecTECHular Holiday Shopping Program

    Erin Benson October 1, 2022

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    Buy On Trust is an exclusive Buy Now, Pay Later program that allows approved consumers to make lease purchases through Best Buy. To get started, you enter basic information and are then considered for pre-approval. Once approved you can begin shopping on over 10,000 new brand name electronics. After you have finished up all your shopping you are given flexible leasing options to fit your budget, and you get all of this with an initial payment of just $50.

  6. 3 Key Steps for the Car Buying Process

    3 Key Steps for the Car Buying Process

    Kirsten Thuringer September 21, 2022

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    In the car buying world there can be a lot of things that can go wrong. That is unless you take certain steps that, if followed, will hopefully result in a great experience. To help make your car buying experience a little easier, take a look at these following tips.

  9. How to Qualify for a Home Loan When Self-Employed

    How to Qualify for a Home Loan When Self-Employed

    Kat Tretina June 1, 2022

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    Being your own boss has some downsides, especially if you plan on buying a house. Self-employed mortgage applicants may have a tougher time qualifying for a home loan, and there are more hoops you have to jump through. Here’s what you need to know to buy a home when you’re self-employed.

  10. Pros and Cons of Using a Personal Loan for Business Expenses

    Pros and Cons of Using a Personal Loan for Business Expenses

    Kat Tretina May 5, 2022

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    If you dream of starting a business or want to expand your side hustle, finding the money you need to make your goals a reality can be difficult. Most business loan lenders require you to be in operation for several years before you can qualify for a loan; if your business is new, you won’t be eligible for a loan.

  11. How Debt Consolidation Can Help You Save Money

    How Debt Consolidation Can Help You Save Money

    Kat Tretina April 30, 2022

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    Overwhelmed with credit card debt? You’re not the only one. According to Experian, the average credit card balance is $6,194. Credit cards tend to have high interest rates — the Federal Reserve reported that the average APR is 16.97% — which can cause your balance to grow over time.

  12. When Life Gives You Lemons, Get a Personal Loan

    When Life Gives You Lemons, Get a Personal Loan

    Chelsea Denning April 20, 2022

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    In the past, personal online loans developed a bad rep for extremely high interest rates. Over the years, many companies have disrupted the personal loan space with cheap loan options. The rates have become so competitive that some people prefer unsecured loans over traditional options. Here’s why.

  14. Co-signers and Personal Loans: What You Need to Know

    Co-signers and Personal Loans: What You Need to Know

    Kat Tretina December 22, 2021

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    If you have high-interest credit card debt or need money to pay for an unexpected car repair, taking out a personal loan can be a smart strategy. However, it can be difficult to qualify for a loan — and to score a low interest rate — if your credit score isn’t excellent.

  15. Should I Use a Personal Loan to Start My Business?

    Should I Use a Personal Loan to Start My Business?

    Kat Tretina October 1, 2021

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    When you have a great idea for a business, the biggest roadblock to your success is money. Depending on how much you need to get started, a personal loan may be a good option to consider. But before you fully commit, take a look at this list of pros and cons to make sure it’s right for you.

  16. How to Get a Car Loan with Bad Credit

    How to Get a Car Loan with Bad Credit

    Kat Tretina June 2, 2020

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    If you’re new to credit or are trying to rebuild, getting an auto loan can be difficult. Even though auto loans are secured by the car itself, many auto lenders are uneasy about lending to someone with a poor track record.

  19. How to Use a Personal Loan to Launch a Freelance Business

    How to Use a Personal Loan to Launch a Freelance Business

    Kat Tretina October 12, 2018

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    Many new freelancers and business owners go through the same thing. They have trouble getting the money they need because they’re so new. If you are entering into the world of freelancing and are needing the extra funds to be successful, learn more about how a personal loan might be best for you.

  20. Best Personal Loans for Debt Consolidation

    Best Personal Loans for Debt Consolidation

    Holly Johnson August 23, 2018

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    If you want to get out of debt this year and know a personal loan could help, it’s smart to compare loan companies to see what they can offer. Read on to learn about the services that offer personal loans with low rates and could help you save money on interest, pay down debt faster, and simplify your financial life.

  22. How Entrepreneurs Can Get Financing Without Going Into Debt

    How Entrepreneurs Can Get Financing Without Going Into Debt

    Kat Tretina July 17, 2018

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    When it comes to starting a company, the most common sources of funding are business loans, credit cards, and personal loans. However, if you’re saddled with any type of debt, adding more debt to the mix can be risky. Thankfully, there are three ways to get financing for your business without borrowing money.

  25. Why You Should Refinance Your Car Loan

    Why You Should Refinance Your Car Loan

    Kat Tretina April 25, 2018

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    Having less-than-stellar credit, a car loan can be prohibitively expensive. If you have purchased a car with a high-interest loan and your financial situation has improved since then, you might be able to save money. Here’s what you need to know about refinancing and how to decide whether or not it’s right for you.

  26. How to Get a Personal Loan With a Credit Score Under 600

    How to Get a Personal Loan With a Credit Score Under 600

    Kat Tretina March 12, 2018

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    Whether you have to pay for an unexpected car repair or need to a loan to cover the cost of a home improvement, a personal loan can be a smart financing option. But, with poor credit, it can be more challenging to find a lender willing to work with you. If your credit score is less-than-perfect, check out these 5 tips to help you find a loan.

  28. 3 Smart Reasons to Take Out a Personal Loan

    3 Smart Reasons to Take Out a Personal Loan

    Kat Tretina February 12, 2018

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    Personal loans are a popular way to borrow because they’re typically easy to get and don’t require any collateral. To help you determine whether you’re right to consider a personal loan, we’ll cover three good reasons to apply for a personal loan, and also a few bad ones.

  29. How to Get a Personal Loan with Bad Credit

    How to Get a Personal Loan with Bad Credit

    Kat Tretina January 29, 2018

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    Whether if you have credit card debt or are facing an emergency and need extra cash, a personal loan can be a useful tool. However, if you have less-than-stellar credit, finding a lender to approve you can be tricky. But, it’s not impossible. Here’s what you need to do to get a personal loan with bad credit.

  30. Using Short Term Loans Responsibly

    Using Short Term Loans Responsibly

    Kat Tretina January 15, 2018

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    Short term loans have a bad reputation for creating a debt cycle that is difficult to escape. However, if used responsibly, short term loans can help out in an emergency or with an unexpected expense. There are number of options for those seeking short term loan possibilities.

  31. 4 Factors to Consider Before Taking Out a Personal Loan

    4 Factors to Consider Before Taking Out a Personal Loan

    Kat Tretina October 27, 2017

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    I decided to take out a personal loan to wipe out my credit card debt. My new loan had a much lower interest rate, so more of my payments went towards the principal rather than interest. Taking out that loan helped me become debt-free much faster. While a personal loan was a smart choice for me, they’re not for everyone. Here’s what you need to consider before applying for a loan.

  32. 5 Clever Reasons to Refinance Your Mortgage (and 3 Reasons Not to)

    5 Clever Reasons to Refinance Your Mortgage (and 3 Reasons Not to)

    Holly Johnson August 11, 2017

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    With interest rates near record lows so long that rising rates seem imminent, it’s smart to at least consider refinancing your home mortgage. A lower interest rate could give you plenty of advantages, after all. While loan outcomes vary, lower interest rates can easily lead to lower monthly mortgage payments and interest savings. Under the right circumstances, you could even shorten the repayment timeline for your loan and pay off your home faster.

  33. Mortgage Basics

    Mortgage Basics

    June 26, 2017

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    Compared to merely renting, financing an owned residence can be quite the monetary commitment. Luckily, through mortgage loans, homeowners can break the total cost of their home into regular payments over the course of a number of years.

  37. Debt consolidation as a type of Stress Management!

    Debt consolidation as a type of Stress Management!

    Scott Delzer March 10, 2011

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    When people refer to stress management they usually talk about stress balls to squeeze, getting a massage or taking a pill. When we talk about debt management it means we can’t squeeze another penny out of our pocket for the bills, massage our accounts to work in our favor and there most certainly isn’t a magic wand or pill to solve the problem.

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