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Personal Loan Financial Tips & Advice

Walmart Personal Loans

The Walmart MoneyCenter has been a popular addition to the store, offering customers a kiosk for check cashing, bill paying, money transfers, prepaid card reloading, and coin-to-cash conversions. Walmart’s money services department opens early at 7 a.m. each morning and closes late at 10 p.m.

Find Cheap Healthcare Insurance

Across the board, health care is one of the biggest expenses for Americans. Altogether in 2015, Americans spent $3.2 trillion on health care. In 2016, the average American spent $10,345 on health care. In 2023, the average per person health-care cost is expected to rise to $14,944.

American Express Personal Loan Review

“Don't Leave Home Without It” is one of the most memorable ad slogans ever created. The familiar tagline refers to the American Express (AMEX) credit card. There are over 45 million AMEX cards in the United States and almost 110 million globally. Over 20 percent of all credit card transactions in the US are made with an AMEX.

Small Personal Loans for Excellent Credit

Securing a loan for purchasing a home or vehicle is fairly straightforward. Even though many lenders are ready to make loans for those purchases, what about all the other things you wish you could buy? Can you get a loan to purchase jewelry? How about a sailboat? Or a timeshare? Or a tiny home?

Bank of America Personal Loan Review

Personal loans are commonly used by many Americans to pay emergency expenses, cover unexpected bills, and pay down high-interest debts. Other Americans use these non-collateral, unsecured loans to finance home improvements or to make large purchases. Across the country, many banks, lenders, and financial institutions offer personal loans. Below, we look at personal loan products offered by Bank of America.

Personal Loan for Taxes

Every April, millions of Americans stress out about their taxes. To reduce stress, many turn to accountants and tax preparation services. When the ensuing mushroom cloud of paperwork settles down, sometimes the numbers show that a refund isn’t in the cards and money is owed to Uncle Sam. That leads many to reach out for help. Below we look into the pros and cons of using a personal loan to pay your taxes.

Avant Personal Loans Review

Since launching in 2012, Avant has made personal loans to over 600,000 people who have borrowed over $4 billion. Based in Chicago, the company was started by Al Goldstein, John Sun, and Paul Zhang.

SoFi Personal Loans Review

Founded in 2011 by four Stanford Graduate School of Business students, SoFi was originally geared toward people seeking affordable funding for their education. Originally, SoFi (short for Social Finance Inc.) connected students with alumni, recent graduates, and institutional investors. Borrowers benefited from lower interest rates than those offered by the federal government while investors collected returns. By focusing on low-risk students and graduates, the company was able to reduce loan defaults.

Prosper Personal Loans Review

Founded in 2006, Prosper is a San Francisco-based company that offers unsecured personal loans in a peer-to-peer lending format. The company is not a bank and does not use its own funds. Instead, it matches borrowers with investors. The company underwrites the loans, and then it charges a fee for loan-matching.

Taking Out a Personal Loan for Dental Work

Almost everyone hates going to the dentist. We squirm at the thought of the pain, the needles, the drill, and the cost. At some point, we all end up there for a regular cleaning, to get a cavity filled, or for crowns.

How Interest Rates Fluctuate for Personal Loans

Taking out a personal loan based on an advertised interest rate does not mean that you automatically receive the advertised rate. So how can a lender advertise a certain rate for personal loans, but not give you that rate?

Comerica Bank Personal Loans Review

Headquartered in Dallas, Texas, Comerica is one of the largest banks operating in the U.S. It was founded in 1849 and is one of a handful of banks to make it through the Great Depression. Comerica continues to grow, acquiring banks across the country. Most recently, it purchased Sterling Bank.

Suntrust Online Banking Review

Originally established as the Commercial Travelers’ Savings Bank (later the Trust Company of Georgia) in 1891, SunTrust bank has grown through mergers and acquisitions to become a regional banking powerhouse. The bank continues to be headquartered in Atlanta, GA, with the 60-story SunTrust Plaza skyscraper as its headquarters. Since the early 1900s, the Atlanta-based bank has had a notable relationship with the Coca-Cola company, an iconic brand synonymous with the Empire City of the South.

Personal Line of Credit -- What is it?

These days, there are many ways to borrow money. You could take out an unsecured or signature loan and pay it off in one lump sum or in installments. There are also different types of collateral loans which allow you to borrow money against an asset that you own, such as your vehicle. However, not all of these financial products are as easy to use as a personal line of credit.

Meeting Basic Loan Requirements

It can be hard to get a loan from a bank, but it’s near impossible if you don’t meet their basic requirements. Most financial institutions use an automated process to weed out risky applicants as early into the process as possible. One red flag is if the applicant is not employed. Banks will sometimes deny such applicants outright.

Chase Bank Personal Loan Review

In 1955, a merger between Chase National Bank and The Manhattan Company created the Chase Manhattan Bank. Back in 2000, Chase merged with J.P. Morgan & Co, forming JPMorgan Chase Bank, N.A., which does business as Chase Bank. Now, Chase is a multinational banking giant and one of America’s ‘Big Four’ banks. It ranks fourth in Forbes’ Global 2000 list and third on Forbes’ list of America's Top Public Companies.

How to Boost Your Credit Score in 2017

If you are considering getting a loan or a new line of credit, but have a low credit score, you might be able to improve it. In this article are some of the latest tips to boost your credit score in 2017.

Loan Request Letter

In an ideal world, everyone would have ‘rainy day’ money set aside. These funds would only be used in the event of unforeseen circumstances, such as an accident, illness, emergency home repairs or unexpected car repairs. The average American has little savings and tends to rely on credit cards to cover their ‘rainy days’.

What is Marcus by Goldman Sachs?

In its 2016 State of Credit report, the credit bureau Experian revealed that the average American has two credit cards and carries $5,551 in credit card debt, up from $4,404 in their 2015 report. WalletHub estimates that in 2016, the average household carried $8,377 in credit card debt, up from $7,893 in 2015. At the moment, the total credit card debt in the US is almost $1 trillion, the largest it has been since late 2008.

Loans for Struggling Families

In the wake of the financial crisis of 2008, many Americans lost their jobs, and some lost their homes. Since then, the United States has been on a steady path to recovery. Even though the unemployment rate is the lowest since 2007 and many families are back on their feet financially, millions still struggle to make ends meet.

What is FinTech and Can Technology Help You Get a Loan?

Look around you nowadays, and you’ll see most people doing something on their mobile devices. Everyone is texting, reading articles, listening to music, playing games, checking in on social media or doing any number of other tasks.

How the ‘Choice Act’ Could Affect You

Between 2007 and 2010, the United States experienced one of the worst financial situations since the Great Depression of the 1920’s. In response to the crisis, President Obama enacted legislation in an attempt to overhaul the American financial system and prevent future collapses.

‘Hidden’ Fees for Low-Interest Loans

Traditionally, taking out a loan involves a stack of paperwork. When faced with a mound of papers filled with financial jargon, how many of us read all the details and the fine print? How many of us make sure we understand the financial terms used in the loan agreement and the fees we are charged?

Personal Loans in Tucson, AZ

Nicknamed "The Old Pueblo," Tucson, Arizona is a desert jewel. With just over half a million residents, it is the second largest city in the state, behind only Phoenix. Home to the University of Arizona, the city also plays host to a number of popular festivals each year including the annual Tucson Gem and Mineral Show, the Tucson Folk Festival, and the Tucson Rodeo (Fiesta de los Vaqueros).

What You Should Know Before Using a Student Loan

In America, getting a college education has traditionally been an avenue for finding a good, steady job. Yet the high cost of college tuition forces many students to use student loans. As a result, Americans currently carry more than $1.3 trillion in student debt.