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Taking out a loan for business or personal expenses is sometimes a necessity. Two of the main sources for these types of loans are banks and private lenders. In this article we compare banks and private lenders and look at some of the pros and cons of each.
Financial companies use the term “personal starter loan” to describe a variety of different financial products. So, depending on the company you choose, your loan could be for as little as $500 or all the way up to $25,000. One thing unites all these different types of loans: They are generally for expenses involved with starting your life after you’ve finished school. And they usually have lower-than-average interest rates.
Older Americans represent one of the fastest growing segments of the country’s population. According to the AOA (Administration on Aging), there were over 46 million Americans over the age of 65 in 2014 which is about 15% of the population. This number is expected to grow even more in the next few decades. By 2040, the number of Americans over 65 will be more than 60 million. That number could exceed 150 million by the year 2060.
LoanStart.com is a free loan-matching service that connects potential borrowers like you with one of our affiliate lenders. To help you get a loan to meet your needs, we work with a number of respectable lenders.
On average, there are over two million Google searches done every second. That translates into over three billion searches every single day and over one trillion searches each year. In the United States, Google has over 75-percent of the overall search traffic and almost 90-percent of the organic search traffic.
Like every other industry, the financial sector has its own set of terms. For those who are unfamiliar with them, these words and phrases can be confusing. To help ease some of the confusion this jargon can cause, we have defined some common financial terms you might encounter when applying for a loan.
Ask any financial expert and they’ll tell you to be careful with online loans. This is because it can be hard to distinguish legitimate online installment loans from scam sites. That’s why we’ve compiled a list of the best tips for avoiding bad loan websites.
Maybe you’ve already read about Florida’s war against the CFPB’s proposed loan regulations. In case you haven’t, U.S. Rep. Debbie Wasserman recently challenged the Consumer Financial Protection Bureau’s proposed federal short-term loan laws. She introduced a bill of her own. Her bill says that states should be given the opportunity to come up with their own short-term loan laws. The idea is that these state laws would potentially take precedence over any federal laws. If her bill passes, it’d delay federal regulations for a couple of years to give states time to decide on their own laws.
Start by asking yourself two questions: Why do I need a loan and why do I have bad credit? There are a number of reasons for bad credit. Each can have a different bearing on the loans you’re eligible for and the interest rate you’ll receive. Here are five of the most common reasons people end up with bad credit.
Over the past several years, the American financial climate has changed drastically. One of the major changes was the passing of the 2010 Dodd-Frank Act and the subsequent establishment of the Consumer Financial Protection Bureau (CFPB).
In the past, people with low FICO credit scores typically had more trouble taking out loans to pay bills. It’s because this particular credit score has been the standard for credit checks – one of the things a potential lender might look at before qualifying you for a loan. Recently, though, the need for a good FICO score to secure a personal loan online has dwindled.
When unexpected expenses threaten your financial stability, taking out a personal finance loan online is one way to handle them. But after you borrow the money, you will need to pay it back. Here are some tips on how to plan on paying back the money you owe.
Over the past decade, the cost of living has been on the rise across the nation. Medical care costs have risen 50 percent during the same time period. The cost of food and drink have risen almost 40 percent. And although household income has also been on the rise, many families’ incomes have not kept up with increasing costs.
There are many lenders who offer direct personal loans online. Good ones and bad ones. The process is straightforward and simple. Oftentimes, even those with “not so great” credit can qualify for these loans. We should point out that we are not a lender. This article is for informational purposes only.
Have you ever thought about starting your own business but don’t have the money to finance it? Or do you have a dream vacation that you wish you could take, but can’t quite afford to do it? Taking out a personal loan is one way to afford these things.
We are not a lender. Instead of applying for a loan through our site, you request a personal loan and we try to match you with a lender. We’re really good at what we do and we think it’s an important service, but we are not a lender. We do know a thing or two.
When taking out a personal loan, some people think that it is better to borrow more money rather than less, just in case extra expenses come up. As tempting as it might be to borrow the maximum amount that a lender offers you, it might not be a good idea.
Personal loans can help to cover whatever expenses you might have. But if you are struggling financially, borrowing money won’t solve your long-term money issues. At the same time, taking out a short-term personal loan can be a good option for your short-term needs.
If you only have a fair credit score, you may think that.
Americans carry a lot of debt – credit card debt, mortgage loan debt, student loan debt, automobile loan debt, personal loan debt, and other types of debt. In fact, Americans are deeper in debt than we’ve ever been before. And while debt has been increasing, earnings have lagged behind. This means that many individuals and families are spending much more money than they are making, often on necessities rather than luxury items.
Banks borrow money from the Federal Reserve, also known as the central bank. The Fed is in charge of keeping inflation low. So when the economy is strong, the Federal Reserve makes it more expensive for banks to borrow money. (They do this by raising the federal fund rate, or the interest charged to banks for borrowing additional reserves.) This discourages banks from borrowing money, which decreases the amount of money available to everyone. Thus, inflation is avoided.
It’s a lot easier to get pre-qualified for a personal loan than approved for one. Even pre-approval usually includes a conditional commitment, but pre-qualification is little more than a formality – one that holds little weight and is usually skipped by lenders who see it as unnecessary.
Short on money? You’re not alone. According to BusinessInsider.com, 43-percent of families in the U.S. spend more than they make. That leads to loans, and the average borrower is taking out over $4,000 per loan.
Don’t get us wrong, we love an epic Halloween costume. It’s just that we think you can make one of those yourself. You’ll likely need to buy a few festive accessories to round out the edges, but for a Halloween costume on a budget – like if you’re trying to stretch your student loan funds or pay back a cash advance – you can be ghoulish without giving up the ghost of your bank account. Here are ten picks for inexpensive Halloween costumes you can make yourself.
Every year the top toy analysts (yes, they exist) look through all the major toy releases and pick out the ones they think will be the most popular. For many parents, this wisdom is priceless. It can mean the difference between a great or ruined holiday. Trust me, I've been there.
Tuition rates are surging, and that’s just one of the payments that makes going back to school so expensive. Combine that with the fact that the average American has over $7,000 in credit card debt, and it’s easy to see why so many students have to take out a loan to pay for school. We can help you figure out a loan amount that might be right for you.
When I first heard about “peer-to-peer lending,” I thought it was a shady way to share digital files. When I learned that it was actually an online loan, I was still doubtful of its legality. I was wrong. P2P loans have nothing to do with P2P file sharing. In fact, peer-to-peer lending offers some of the best interest rates out there for the borrower. Let’s dig a little deeper into this relatively new type of personal loan so you can see if it’s the right type of loan for you.
When you have bad credit and no money, everything is an emergency. From a flat tire to a surprise medical procedure, even small struggles can turn into major crises when you can’t afford them.
Don’t panic. There’s actually an easy solution for your short-term debt problems – a personal loan. You just need to know how.