Loans

Payday loans are short-term loans that allow you to take out a loan that will be paid the next time you receive your salary. They are very convenient because they are fast and easy to get, and they don’t have stringent credit checks. As a result, they are often taken out by people in a financial emergency or don’t have enough money for living expenses.  However, payday loans don’t have the best reputation out there. They are often predatory due to the sky-high fees, quickly snowballing you into colossal debt. In addition, they often have an astronomical APR, not to …

3 Payday Loan Alternatives That You Might Want to Know About Read More »

It would be a lie to say that everyone who needs a loan has a stable income, or even has a job that works as a source of income. Most of us don’t, it is not easy these days, and some of us have found ourselves in tricky situations.  So, what do you do when an emergency rears its ugly head, and suddenly you need to find some cash fast, but you do not have a job? Will lenders even accept you? Or, are you doomed?  Well, you aren’t doomed, you can get a loan even if you do not …

Can You Get A Personal Loan Even Without Being Employed? Read More »

A personal loan is just one way of financing something you want to purchase. In reality, there are many ways for you to finance something, not just personal loans. From line-of-credits to home equity, if you want some financing options, there’s a lot to choose from.  Although online personal loans can be used for many purposes, they are not necessarily the cheapest option out there. That said, that only depends on the circumstances that you’re currently in. So, if you’re looking for alternatives to personal loans, here are some of them. Line of Credit A line of credit is a …

Money Talks: Personal Loan Alternatives You Should Consider Read More »

There are a lot of things that can happen to your car and it’s important to be prepared for what might come. It may not always be possible to get the money you need from friends or family, but fortunately, there is an alternative way – a car title loan. A car title loan is a type of personal loan that gives you the money you need based on your vehicle as collateral.  The best part about getting a title loan is that they will cover any repairs if anything happens after the purchase date so all you have to …

Take These Steps To Increase Your Chances Of Getting A Car Title Loan Read More »

The biggest challenge students face when attending college is affording tuition. There will undoubtedly need to be loans taken out but finding a private student loan will be difficult since most typically require a cosigner.  The “Consumer Financial Protection Bureau” found in a study that 90% of students needed to have cosigners with their loans, with more students with missed repayments leaving their cosigners in the lurch.  Fortunately, the suggestion is that it is possible to find student loans without cosigner; it’s merely a matter of educating on how to maneuver the system and also ensuring that you take advantage …

How Can a Student Qualify for Private Loans Without a Cosigner? Read More »

If you’re currently in a situation where you have to cover an unexpected expense, you know that generating the money you need right away isn’t an easy job. Having an emergency fund is a great help when it comes to this kind of situation.  However, most Americans don’t even have extra cash saved up for this purpose, with some trying to make ends meet on a stipend. For this reason, saving for the rainy days is just impossible for many. Fortunately,  several types of unsecured loans are readily available for those who need emergency fund assistance.  Unsecured Personal Loans: What …

Unsecured Loans For Unexpected Expenses Read More »

Ideally, you should have an emergency fund set aside for unexpected expenses. However, if you don’t have one, you can resort to taking out an emergency loan to cover such expenses. One can get an emergency loan either through a payday lender, personal loan lender, or credit card issuer. Getting to Know Emergency Loans Emergency loans can come in a variety of forms. This includes payday loans, personal loans, and credit card cash advances. Moreover, it can be used for several types of emergencies like medical and dental emergencies. 1. Payday Loans This type of loan most likely is small-dollar …

What To Know About Emergency Loans Read More »

It can be challenging to study college, especially with limited financial sources. More than 50 percent of current college students in the US take out loans to continue their education. However, the costs of education go beyond just tuition. You have to pay for living expenses too. So, can you take out a student loan for living expenses? The quick answer is yes, you can do that. When you use a federal student loan for your living costs, you can spend more time studying instead of worrying about where to get money or working part-time. How To Use Federal Student Loans For Living …

Can You Take Out A Student Loan For Living Expenses? Read More »

You are planning to buy a house but you have a bad credit score. Don’t worry, you might still have a chance to get approved if you apply for a VA-backed home loan! If you are a veteran or in active service, you could be eligible for the housing assistance offered by the U.S. Department of Veteran Affairs (VA). The VA offers home loan programs to help veterans, service members, as well as surviving spouses, purchase a home. There are different types of VA home loans but the most common one is the VA-backed home loan. What Is A VA-Backed …

How To Get A VA Home Loan With Bad Credit Read More »

A hard money loan is a convenient tool that can help you purchase real estate while you’re waiting for funds from the sale of another property. It’s only meant to be a short-term loan and is not appropriate for any long-term financing needs. When you get a hard money loan, it’s secured by real estate and is funded by a private investor. This is different from traditional loans, which are funded by conventional lenders (such as credit unions and/or banks). But before you talk to hard money lenders in California about getting a hard money loan, here are some very …

Important Questions to Ask Yourself Before Opting for a Hard Money Loan Read More »