Author Archives: loansandcredit

Bad credit personal loans are available when other options aren’t: even if your credit isn’t great, you can still get a loan to help in times of need. It’s important to remember that even though your credit may not be where you want it to be, by being sensible and shopping around you may be […]

Personal loans can come from a variety of sources, but one popular source for personal loans is a retirement account. It makes sense. It’s money you’ve been socking away to pay for your lifestyle to live out your golden years, but if you’re young and need money now, your golden years may feel far enough […]

Consumers may be turning to debt relief services in greater numbers if a recent survey by Citi is to be believed. According to the survey, 62 percent of U.S. residents believe that the economy has not yet hit bottom. And consumers are getting more pessimistic as time marches on. Back in March, Citi took a […]

If you think running up debt on your credit cards won’t affect your ability to one day find a job, think again. That’s because a growing number of employers check the credit histories of would-be hires. If those histories turn up a low three-digit credit score, the employers might move on to the next candidate, […]

When you are setting out to secure a loan, a personal loan calculator can be of real help in determining various aspects of the loan, including such important things as monthly payments. Many people find it to be a very handy tool in helping them to decide how much to borrow, and for how long. […]

If the latest economic numbers are to be believed, the U.S. consumer might be spending again, something that could mean good news for the debt consolidation industry. According to a recent story by the Washington Post, the U.S. economy grew by a healthy 3.2 percent rate in the first quarter of 2010. An increase in […]

Finding the best unsecured personal loans can be tricky, as it’s not uncommon for some lenders to quote one thing over the phone, but then offer you something very different in person. Typically they have what they see as a very good explanation for this difference, but that doesn’t help you. So how do you […]

There are times when some unforeseen issue is demanding money yesterday, and a bad credit personal loan is your only option. This should typically be the scenario, that it’s a real pressing need, before you apply for this type of loan. Something you should prepare yourself for is that the interest rate is going to […]

Don’t be ashamed if you need to take a debt consolidation loan. You’re far from alone in having financial troubles. In fact, some of the largest and most important corporations across the country are struggling to pay their own bills. There’s a difference between them and individuals, though: The corporations often get huge amounts of […]

Is a cash-out refinance a good option for debt consolidation? At least one financial expert thinks not. Don Taylor, a financial advice columnist for the Web site Bankrate.com, recently wrote about the dangers of taking credit card debt and turning it into mortgage debt. After all, credit card debt is an unsecured loan. It’s annoying, […]