2021-03-01 22:55
Yes, you can pay off a personal loan early. But it is not always advisable to do so. There are both risks and benefits to an early payoff.
You’ll need to consider several factor… Read More
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We are writers, researchers and designers who know the power of financial resource management. Our goal is to create articles and post that can help you maximize your financial potential. We are located in Boise, Idaho.
2021-03-01 21:29
Medicredit is a collection agency that specializes in buying medical debt from hospitals, clinics, and other healthcare providers.
Collection agencies, such as Medicredit, recover fun… Read More
2021-02-17 17:43
Credit Collection Services, commonly referred to as “CCS”, ” CCS Collections,” or “CCSUSA,” is one of the nation’s largest debt collections firms an… Read More
2021-02-17 17:22
If you’ve recently reviewed your credit report, you may have seen an entity by the name of “AT&T Collections Agency.” This typically means you owe money to the internet… Read More
2021-02-17 16:51
If you have an account with Xfinity and fail to pay your bills, you can expect to hear from Comcast Collections, the debt collection department of Comcast Cable Communications, LLC. Comcast… Read More
2021-02-01 18:48
A “604 dispute letter” is a nonexistent credit repair letter that is sometimes mistakenly used instead of the correct term: “609 dispute letter.” While there is a sec… Read More
2021-02-01 18:37
When an unexpected bill arises, it’s understandable to get overwhelmed. You may need cash to fix the problem right away and could be considering a same-day loan. While many loans can b… Read More
2021-02-01 18:18
When you apply for a personal loan, your lender may ask for collateral. Collateral for a personal loan is any asset or belonging that you use to back up a loan. Many times, collateral can be… Read More
2021-02-01 17:48
If you find yourself trying to handle life’s financial emergencies without any savings accounts or an emergency fund, you may be searching for financial alternatives for handling crise… Read More
2021-02-01 15:51
If your income has suddenly halted, or you have an unexpected expense and your money is simply running low, there are options to keep you moving forward — regardless of whether you hav… Read More
2021-02-01 15:31
Use our personal loan calculator below to determine how much you’ll have to pay for your loan.
Loan Calculator
Loan Amount… Read More
2021-01-28 23:28
More often than not, unexpected costs arise. These costs can be debilitating, especially if you do not have money saved up to pay off your acquired debt. These costs are also called financia… Read More
2021-01-28 22:47
LVNV Funding LLC is a collection agency that buys debt from creditors such as banks, credit card issuers, or personal loan lenders. Headquartered in Greenville, South Carolina, this collecti… Read More
2021-01-28 22:24
Having bad credit does not mean you can’t take out a loan. The application process, however, can be lengthy and complicated, and you may not get the greatest annual percentage rate (AP… Read More
2021-01-28 20:46
A wide variety of interest rates are available for personal loans, depending on factors like the borrower’s credit score, the amount they’re borrowing, and the state of the econo… Read More
2021-01-28 19:51
You may choose to take out a $1,000 personal loan to cover or help out with debt consolidation, moving expenses, medical bills, wedding costs, home improvement projects, and more. Getting a… Read More
2021-01-28 18:52
A personal loan is a lump sum borrowed from a financial institution that you can spend on various expenses. This is as opposed to many loans that are restricted to a specific purpose, such a… Read More
2021-01-28 18:24
Small personal loans, such as an $800 or a $1,000 loan, can be used to cover medical, emergency, repair, utility expenses, and more. A $2,000 loan will be no different, except you can pay of… Read More
2021-01-26 23:44
11 Charter Communications is a debt collection agency. If 11 Charter Communications appears on your credit report, it means that you owe the telecommunications company Charter Communications… Read More
2021-01-26 23:22
A charge-off can negatively impact your credit score in a significant way. When you don’t pay an account balance for several months in a row, a creditor writes the debt off as a loss… Read More
2021-01-26 23:11
Re-aging debt is a term used to describe any actions that change the account history of a debt that is listed on your credit report. Re-aging a debt restarts the statute of limitations of co… Read More
2021-01-26 21:55
A payday loan is a quick and easy loan available to those facing financial hardships who need cash fast. Even though each state has its own payday loan regulations, they all typically serve… Read More
2021-01-26 21:42
When you have bad credit, you can experience several effects — one of them being difficulty obtaining a loan. Although getting a personal loan with bad credit can be difficult, it is n… Read More
2021-01-26 18:52
A direct deposit loan can be transferred to a borrower’s bank account within minutes of approval. Borrowers may choose this type of loan to help with unexpected and sudden expenses. On… Read More
2021-01-26 18:15
There are a number of reasons to apply for a credit card, but there are also times an application gets denied by the lender. Most individuals would think an application denial is the end of… Read More
2021-01-21 23:47
An emergency loan is an unsecured personal loan that can be used to cover large and unexpected expenses, such as home repairs or a medical bill. Emergency loan funds will be dispersed quickl… Read More
2021-01-21 23:36
There are several hacks that you will find useful when it comes to building and maintaining a good credit score. Most hacks are things you should be doing regularly, such as paying your bill… Read More
2021-01-21 23:03
An $800 loan may provide much-needed financial relief for many. A loan of this size can go toward rent, bills, car payments, emergency expenses, and more.
In the grand scheme of things… Read More
2021-01-05 23:49
FICO categorizes any credit score below 580 as poor. Those with bad or no credit will tell you that getting a loan can be difficult. Often, the interest rate on these loans is high, and that… Read More
2021-01-05 23:44
What type of loan you should get — or whether you should get a loan at all — highly depends on your unique circumstances, and what you intend to use the loan… Read More
2021-01-05 23:30
Sometimes, your payday doesn’t align with your billing cycle. To make ends meet, you may need a few extra dollars to help pay for rent, the power bill, or to make a car payment.
Rather… Read More
2021-01-05 23:19
If you pay your own bills, it can give you the chance to take charge of your finances — an issue that should be a priority to everyone.
Paying your bills on time can, among other thing… Read More
2021-01-04 17:24
When you think about paying for something by check, you probably think of writing out a paper check. However, that’s not the only way to write a check. Electronic checks, or eChecks, w… Read More
2021-01-04 16:19
A co-borrower (sometimes called a co-applicant) is someone who signs off on a loan document along with the primary borrower. A co-borrower shares ownership of the asset and responsibili… Read More
2020-12-30 23:47
A personal loan is a lump sum for flexible use that is repaid to the lender in fixed installments. Although many characteristics of the loan, such as interest rate, will depend on each… Read More
2020-12-30 23:36
Eighty percent of Americans are in debt of some kind. While many of these people may be able to manage or settle their debt, they may find it challenging to maintain a good credit score… Read More
2020-12-30 23:21
If you’re moving to a new home, it can be both an invigorating and challenging time. There is the thrill that comes with embracing the start of something new, but there may also be exp… Read More
2020-12-07 21:05
Consumers take out personal loans for a variety of reasons, but financial situations change and over time the loan terms that were agreed upon may not work for the individual anymore. I… Read More
2020-12-07 20:58
The average wheel alignment can cost $75, or as much as $200. This is contingent on what kind of alignment you need. For instance, a single alignment should cost you on the lower end of… Read More
2020-12-07 20:52
An auto paint job can cost from $300 to over $20,000. Depending on the quality of work you want done, the make and model of your car, and its condition, shops will charge varying prices to p… Read More
2020-12-03 16:22
When applying for a loan, you almost always have to provide proof of income. This is so the loan servicer can determine how long it will take you to pay the loan back, as well as assess the… Read More
2020-12-03 16:13
Auto equity loans allow you to use your car as collateral to qualify for a secured loan. This type of loan is often used by those seeking a loan with poor or bad credit. When you use your ca… Read More
2020-12-03 16:06
After owning their home for some time, many homeowners choose — or need — to do home improvements or renovations. Whether the home is an investment property, or you are merely wa… Read More
2020-12-03 15:52
Typically, using a calculator is the easiest and fastest way to calculate interest on any kind of loan. But if you’re looking to improve your financial literacy or create a d… Read More
2020-12-03 15:43
No-interest loans can help someone who has financial hardship get ahead of a large purchase, such as furniture, medical debt, and sometimes auto loans. By paying off the loan amount within t… Read More
2020-12-03 15:35
If you are looking to rewire a home, you could be looking at a notable cost range for the project. Typically, the cost of rewiring a home is about $4 per square foot. If you have a 2,000 squ… Read More
2020-12-03 15:07
A brand new private jet can cost anywhere from $2 million to over $100 million dollars. The amount you spend will depend on the model and size of the plane, how many people you are trav… Read More
2020-12-01 15:01
If you plan on applying for a personal loan, you are going to need to get prepared by gathering some important personal and financial documentation. The lender will also need access to your… Read More
2020-11-30 17:53
An unsecured loan is a type of loan that is issued to a borrower based solely on the borrower’s creditworthiness. This differs from most secured loans, which are typically based on a b… Read More
2020-11-30 17:41
The summer heat can quickly become miserable for you and your family. Often, you’ll need more than a couple of box fans to keep your house cool and comfortable when things start to war… Read More
2020-11-30 17:28
Personal loans can be great for medical emergencies, consolidating debt, home improvement projects, and a variety of unexpected expenses.
Because of the popularity of personal loans, th… Read More
2020-11-30 15:30
A personal line of credit (PLOC) is an amount of money that a creditor has agreed to lend you until the time length of the credit has expired. Unlike a personal loan, where the total amount… Read More
2020-11-02 16:49
Annual percentage rate (APR): 13.24% to 19.24%.
Purchase intro APR: 0% for 12 months.
Rewards: 1% to 5% cash back
Annual fee: $0.
Late fee: $39.
Credit score: Good to Excellent (70… Read More
2020-11-02 16:37
Annual percentage rate (APR): 15.49% to 24.99% variable.
Purchase intro APR: 0% for 12 months on balance transfers.
Rewards: 1.5% unlimited cash back; $150 sign-up bonus.
Annual fee: $0.
Lat… Read More
2020-11-02 16:25
QuickBooks is an accounting software product from Intuit, the company that made one of the first personal computer accounting programs, Quicken, in 1983.
Quicken focused on personal fin… Read More
2020-11-02 16:14
In traditional accounting, an accountant makes calculations and inputs financial data manually. For centuries, accountants worked with ledgers, entered information with a pen, and made calcu… Read More
2020-11-02 16:04
Opening a checking account online is a quick and easy way to get started with a bank without actually visiting a physical branch. If you’re opening an account with an online bank &mdas&hell…Read More
2020-11-02 15:36
Accounting software is a tool for business owners that allows them to keep track of finances and tax records electronically. Small business owners and entrepreneurs who don’t have… Read More
2020-11-02 14:44
You need couches, tables, beds, and chairs in order to live comfortably in your house. However, furniture can be expensive and could quickly break your bank. If you know where to look, you c… Read More
2020-11-02 14:23
Grocery shopping can get expensive and overwhelming, especially if you are trying to stick to a budget. Additionally, the selection of food items can vary widely from store to store, so you… Read More
2020-10-29 22:43
It can be very difficult to find affordable, nice-looking clothes — especially online. In many cases, promising clothing finds end up being scams. However, there are many tried-and-tru… Read More
2020-10-19 15:52
CreditFirm.net is a credit repair law firm that helps you restore your credit and build healthier credit habits for a stronger financial future. Based in Deerfield, Illinois, they offer… Read More
2020-10-19 15:40
Annual percentage rate (APR): 17.45% (variable);
Purchase intro APR: None;
Rewards: None;
Annual fee: $36 the first year, $3 monthly fee after;
Late fee: $40;
Credit score: Any.
Apply T… Read More
2020-10-19 14:32
Annual percentage rate (APR): 12.99% to 21.99%.
Purchase intro APR: 0% for six months.
Rewards: 1% to 2% cash back.
Annual fee: $0.
Late fee: Up to $40.
Credit score: Fair to Good (570 to 75… Read More
2020-10-01 20:16
Setting goals is a common practice that business owners often do right from the inception of a business. However, revisiting, updating, and sticking to your goals — well, that’s… Read More
2020-10-01 20:10
Every company, regardless of size, needs an organizational structure. Along with meeting the legal requirements for starting a business, defining your company’s operational and decisio… Read More
2020-10-01 19:08
The e-commerce industry in the US alone was worth over $374 billion in 2020. By 2024, that number is expected to climb to more than $474 billion. An e-commerce business offers a lot of… Read More
2020-10-01 18:57
Whether you’re a teacher looking for a second job or an entrepreneur seeking full-time income, online tutoring may be a lucrative choice. With the COVID-19 pandemic, many students… Read More
2020-10-01 18:49
If you’ve always had an interest in small business entrepreneurship, opening your own company may seem exciting and profitable. However, with so many innovative entrepreneurs and disru… Read More
2020-10-01 17:19
Running a business has always been a challenging task for business owners — and with good reason. Historically, approximately one out of every two businesses doesn’t survive… Read More
2020-10-01 17:12
The online marketplace has revolutionized marketing methods across the board. Small- and medium-sized businesses can market their wares to customers half a world away and anyone with a modes… Read More
2020-10-01 16:27
The legal requirements to start a small business can be challenging to understand. The legal obligations for companies may vary depending on their size, industry, and operations.
Laws g… Read More
2020-10-01 16:15
Entrepreneurs must juggle legal, strategic, and commercial requirements when establishing a small business. You need to research your industry and marketplace, come up with a budget, and set… Read More
2020-10-01 16:06
E-commerce has experienced massive growth in recent years. It’s gone from generating revenue of $1.3 trillion in 2014 to $4.2 trillion in 2020. And by 2023, that number is expecte… Read More
2020-10-01 14:31
Annual percentage rate (APR): Prime rate plus 9.74%.
Purchase intro APR: 0% for six months.
Rewards: None.
Annual fee: $49.
Late fee: Up to $40.
Credit score: Poor to Average (300-700).
Comp… Read More
2020-10-01 14:23
Annual percentage rate (APR): N/A.
Purchase intro APR: N/A.
Rewards: Varies.
Annual fee: $60 to $95.40.
Late fee: $0.
Credit score: N/A.
Compare cards here.
Benefits
Set up direct… Read More
2020-10-01 14:15
Annual percentage rate (APR): 26.99% (variable).
Purchase intro APR: None.
Rewards: 20 points for every $1 spent.
Annual fee: $0.
Late fee: Up to $39.
Credit score: Fair to Excelle… Read More
2020-10-01 14:08
Annual percentage rate (APR): N/A.
Rewards: Personalized offers, cash-back credits.
Credit score: No credit check.
Monthly fee: $0 to $5.95.
ATM fee: $2.95.
Inactivity fee: $5.95.
Cash reloa… Read More
2020-09-30 22:49
Annual percentage rate (APR): N/A.
Rewards: Personalized offers, cash back.
Credit score: N/A.
Savings account yield: 0.5% to 5% APY.
Monthly fee: $0 to $9.95.
ATM fee: $2.50.
Cash relo… Read More
2020-09-30 22:14
Annual percentage rate (APR): 16.49%.
Purchase intro and balance transfer APR: None.
Intro rewards: 7,500 points.
Rewards: 1 to 2 points per dollar.
Annual fee: $95.
Late fee: Up to $39.
Cre… Read More
2020-09-30 21:47
Annual percentage rate (APR): N/A.
Purchase intro APR: N/A.
Rewards: Personalized offers, cash-back credits.
Monthly fee: $0 to $9.95.
Deposit fee: $0 to $3.95.
ATM fee: $2.50.
Late fee: N/A… Read More
2020-09-30 21:36
Annual percentage rate (APR): 18.24%.
Purchase intro APR: None.
Rewards: 1 to 5 points per $1 spent.
Annual fee: $595.
Late fee: $39 or 2.99% of the past due balance.
Credit score:… Read More
2020-09-30 21:27
Annual percentage rate (APR): 13.24% to 19.24% variable.
Purchase intro APR: 0% for 12 months.
Rewards: 1.5% cash back.
Annual fee: $0.
Late fee: $39.
Credit score: Good… Read More
2020-09-30 20:51
Annual percentage rate (APR): 13.24% to 19.24% variable.
Purchase intro APR: 0% for the first 12 months.
Rewards: 1% to 5% cash back on purchases.
Annual fee: $0.
Late fee: $39.
Cr… Read More
2020-09-30 20:44
Annual percentage rate (APR): 20.99% to 29.4% variable.
Purchase intro APR: None.
Rewards: 2x airline miles per $1 spent.
New cardmember offer: 50,000 bonus miles.
Annual fee: $0 the fi… Read More
2020-09-30 20:36
Annual percentage rate (APR): 15.99% to 22.99% variable.
Purchase intro APR: None.
Rewards: 3 Stars per $1 spent.
Sign-up bonus: 6,500 Stars.
Annual fee: $49.
Late fee: Up to $39… Read More
2020-09-30 20:27
Annual percentage rate (APR): 17.99% to 26.99% variable.
Purchase intro APR: None.
Rewards: 5% cash back at Walmart.com for the first 12 months.
Annual fee: $0.
Late fee: Up to $39… Read More
2020-09-30 20:19
Annual percentage rate (APR): 12.99% to 23.99%.
Purchase intro APR: 0% for 15 months.
Rewards: 1 or 2 points per $1 spent.
Annual fee: $0.
Late fee: Up to $40.
Credit score: Good to Exc… Read More
2020-09-30 14:00
Annual percentage rate (APR): Prime rate plus 11.90%.
Purchase intro APR: None.
Rewards: 1.5% cash back, 1 point per $1 spent.
Annual fee: $25.
Late fee: $25 to $50.
Credit score:… Read More
2020-09-30 13:51
Annual percentage rate (APR): 14.24% to 22.24%.
Purchase intro APR: None.
Introductory bonus: $125 Amazon.com Gift Card.
Rewards: 1% to 5% cash back.
Annual fee: $0.
Late fee: $39.
Credit sc… Read More
2020-09-30 13:43
Annual percentage rate (APR): None.
Purchase intro APR: None.
Rewards: 1.5% cash-back early pay discount.
Annual fee: $0 for the first year, then $250.
Late fee: $39 or 1.5%, whichever is gr… Read More
2020-09-29 22:51
Annual percentage rate (APR): 13.24% to 19.24% variable.
Purchase intro APR: 0% for the first 12 months.
Rewards: 1% to 2% cash back.
Annual fee: $0.
Late fee: $39.
Credit score: G… Read More
2020-09-29 22:41
Annual percentage rate (APR): 13.49% to 17.99%.
Purchase intro APR: 0% on balance transfers for 12 months.
Rewards: 5, 3, or 1 point/s for every $1 spent.
Annual fee: $0.
Late fee: Up t… Read More
2020-09-29 15:48
Annual percentage rate (APR): 18.74% (variable).
Purchase intro APR: None.
Rewards: 1% cash back.
Annual fee: $0.
Late fee: Up to $25.
Credit score: No credit history required.
Com… Read More
2020-09-29 15:33
Annual percentage rate (APR): Not applicable;
Purchase intro APR: Not applicable;
Rewards: 6 cents per gallon rebate on fuel;
Annual fee: $10 per month;
Late fee: $75 or 7.25%… Read More
2020-09-29 14:02
Annual percentage rate (APR): 14.99% (variable).
Purchase intro APR: None.
Rewards: 2% airfare redemption; 1% cash back.
Annual fee: $195 plus $95 for each additional authorized user.
Late f… Read More
2020-09-29 13:39
Annual percentage rate (APR): 14.99%.
Purchase intro APR: None.
Rewards: 2% airfare redemption and cash-back.
Annual fee: $995 plus $295 for each additional authorized user.
Late fee: Up to… Read More
2020-09-29 13:31
Annual percentage rate (APR): 14.99%.
Purchase intro APR: None.
Rewards: 2% airfare redemption and 1.5% cashback.
Annual fee: $495 plus $195 for each additional user.
Late fee: Up to $39.
Cr… Read More
2020-09-28 16:48
If you have a passion for entrepreneurship and an eye for fashion, you may have considered starting your own online clothing business. An online clothing business can allow you to express yo… Read More
2020-09-28 16:13
If you’ve always had an affinity for jewelry and design, you may be tempted to open your own online jewelry business. Small business owners can thrive with advancements in mobile techn… Read More
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