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How To Get a Personal Loan: A MoneyTips Guide

Whether you’re looking to bridge the money gap to fund a world trip, your latest passion project or even pay off medical bills, personal loans can be a valuable tool to covering some expenses. Getting a personal loan relies on the following factors: Having a decent credit score and established credit history Getting prequalified Picking...

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Understanding Personal Lines of Credit

There are times when you need money. You could opt for a personal loan or a home equity loan, but there is another option. A personal line of credit. It’s not as widely advertised by banks and other lenders, compared to credit cards or other kinds of loans. But if you need money and flexibility,...

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How to Get a Personal Loan With Bad Credit

You’ve encountered a major expense and you don’t know how you’re going to pay for it. It happens to the best of us – so don’t feel like you’re alone. After taking care of the necessities, it can be difficult to find the extra money to pay for unexpected expenses. Many people will take out...

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Personal Loans for Excellent Credit

Credit is built around the concept of someone offering you something – like a good, a service or an asset – and expecting you to pay for it later. When it comes to types of credit (like personal loans), it’s kind of like a big I-O-U, except you aren’t making a deal with your buddy...

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How To Get a Personal Loan for Medical Expenses: A Complete Guide

Seeking help for any health issue can be a stressful and scary experience. And figuring out how to pay mounting medical bills can be even more stressful and frightening.  A recent study by the Commonwealth Fund found that 4% – 11% of Americans with employer health insurance had high out-of-pocket costs that climbed as much...

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How To Use Personal Loans for a Small Business

You’ve got an amazing idea for a new business. You’re ready to give the world the product it didn’t know it needed, get offers from all the sharks on “Shark Tank” and become a household name.  Or maybe you’ve got a unique set of skills and want to be your own boss. You’ve got everything...

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What Personal Loans Are Used For: 9 Examples

Personal loans are flexible. 🤸🏿‍♂️ They can be used to pay for just about anything.  Technically, you could get a personal loan and go on a self-care spending spree or invest it in the latest trendy stock – but we’ve got a couple of better ideas.  Personal loans are best used to pay for emergency...

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How To Get a Loan When You’re Self-Employed

Being self-employed looks different for different people. There’s the hustle, the entrepreneurial leap, the layoff rebound, the career makeover and more. No matter why you’re self-employed – or what that even looks like for you – you’re probably working hard to juggle multiple responsibilities.  But, even when things couldn’t be better financially, dips in income...

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What Credit Score Do You Need for a Personal Loan?

To qualify for a personal loan, most lenders are looking for borrowers with credit scores in the neighborhood of 670. That doesn’t mean you can’t qualify with a lower credit score, but it may affect how much you can borrow and the interest rate you’ll be charged. To make sure you’re getting the most value...

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Types of Personal Loans: Unsecured vs. Secured

Who hasn’t needed a little extra cash now and again?  If you need more money than your credit card limit offers and don’t want to dip into your savings or take money out of an investment or retirement account, a personal loan might do the trick!  A personal loan is money you borrow from a...

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Should I Use a Personal Loan To Consolidate Debt?

Whether it’s credit card debt or any other kind of debt, dealing with multiple payments every month can be frustrating. Consider uncomplicating your life by rolling all your debt into a single monthly payment with a personal loan. Debt consolidation is one of the most popular reasons why people get personal loans.  But before you...

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7 Tips To Help You Consolidate Credit Card Debt

Are you carrying a lot of credit card debt? Do you die a little on the inside every time one of your credit card payments is due? Are you tired of making payments and feeling like your balance hasn’t budged? You’re not alone.  The typical American has about $5,315 in credit card debt, and the...

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7 Tips For Managing Debt — And Why It’s Not ‘One Size Fits All’

Our debt doesn’t define us, but it can absolutely impact our lives in profound ways. If it gets out of control, debt – and the anxiety it can cause – might even interfere with the things that matter most to us.  Figuring out how to manage your debt will help you take control of your...

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Should You Get a Personal Loan? Here’s What You Need To Know

Did you recently have an unexpected expense pop up? Are you unsure about how you’re going to pay for it? No matter how well we plan our lives out, sometimes we find ourselves in financial pickles that leave us strapped for cash. Don’t sweat it too much, though. You definitely have a few options available...

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What’s a Payday Loan… and Why Isn’t It the Best Move?

Here’s a loose definition of a payday loan: It’s a way to use your upcoming paycheck to borrow money when you NEED cash – and you need it fast. It’s a relatively small loan (no bigger than your paycheck), but it comes with a HUGE interest rate and a small window of time to repay...

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Unsecured Personal Loans: What They Are and How They Work

Taking This Real Personal: Unsecured Personal Loans Today we’re talking about another kind of loan – and this time, it’s personal. Personal loans exist to bridge the gap between your imagination and reality, with a reasonably affordable way to take out credit. Let’s get into what an unsecured personal loan is and how it works....

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