Useful Tips, Articles on Personal Finance

7 Options for Borrowing Money and When to Use Them

Sometimes borrowing money is unavoidable. Maybe you need to cover emergency costs, or may be your bank balance has dwindled before payday and you need pay your rent. But don’t worry, there are various options for borrowing money no matter what your situation. Here are seven of the best options to consider and when you should use them[…]

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How an Installment Loan Can Help Credit Score

If you find yourself with a bad credit score, an installment loan could be exactly what you may need to help improve your ratings in either a significant or minor way. Although installment loans are not meant to be used for everyone, this type of loan is easy to apply for and can have serious[…]

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APR Disclosure: An APR (annual percentage rate) refers to the specific rate at which loans accrue interest and is generally based on the cost, amount, and loan period, as well as the prescribed payment timing and dollar amounts. Any lender that offers loans to consumers must by law show a borrower the exact APR charged for the loan and all loan terms prior to the execution of any loan agreement. Certain states may have specific laws that limit the APR that lenders may charge any borrowers. The actual cash advance loan APR ranges from 200 percent to 1386 percent, whereas the APR for installment loans ranges from 6.63 percent to 225 percent. However, loans made in those states with no laws regarding APR limits for loans and any loans made by lenders that are not currently subject to state laws in these regards could carry even higher APRs. PLEASE NOTE: All APR rates on cash advance loans may be subject to change at any time.

 

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Borrowers Beware: Short-term lending is intended to address financial needs for a short time; hence, it can’t be used as a long term solution. Short term loans come with some costs that may make a borrower’s financial situation worse. Applicants are advised to consult with a financial expert about the risks involved in taking a short term loan and the best alternatives.

 

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