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5 Questions to Ask Yourself Before Applying for a Personal Loan
5 Questions to Ask Yourself Before Applying for a Personal Loan

Compared to an auto loan or mortgage, a personal loan is unique in that it can fulfill a number of uses, beyond just funding a major expense. As a result, personal loans can be an attractive financing option for almost any kind of consumer, thanks to their versatile nature and convenient access. It’s true, the growth of online lending has made it easier than ever for people to get quick access to funds from accredited lenders. Before diving into the personal loan marketplace, however, it’s important to ask yourself some simple questions to better understand what your funding needs are.

Personal Loans · 5 min read
Student Loan Refinancing Tips for a Recession
Student Loan Refinancing Tips for a Recession

While a recession is difficult for any age demographic, it can be especially challenging for young Americans paying off their student loans. An economic downturn usually results in lost jobs and reduced salaries, which is magnified for those who haven’t established a lot in savings (or an emergency fund) and need to pay student loans while juggling other monthly bills in their budget.

Student Loan Refinance · 3 min read
When Does it Make Sense to Take Out a Personal Loan?
When Does it Make Sense to Take Out a Personal Loan?

Did you know that personal loans are the fastest growing consumer lending product? More and more Americans are exploring personal loan options from online lenders, thanks to easier and faster application processes that help consumers find competitive rates and flexible terms.

Personal Loans · 4 min read
Line Of Credit Illustration
Line of Credit

What is a personal loan?

What is an APR?

What does it mean to be pre-approved?

What does it mean to be pre-qualified?

How is this different from getting a loan from the local branch of my bank?

What are the minimum credit requirements to get approved for a loan?

Money Key Logo

MoneyKey is an online direct lender that provides short-term, unsecured Loans and Lines of Credit to underserved consumers through a safe and secure platform. MoneyKey also arranges Installment Loans as a Credit Access Business and a Credit Services Organization in the state of Texas. MoneyKey services Lines of Credit offered by CC Flow, a division of Capital Community Bank.

60monthloans

60monthloans, Inc. is an unsecured personal loan lender for those with low to good credit. We are especially good for customers who have low credit who are in need of an emergency loan. Some of the perks that come from working with us include: no hard inquiry when customers finish an application, no prepayment penalty, and quick processing time (1-3 business days to get funded). Our APR range is between 19% to 59%. Our loan amounts range between $1,500 - $10,000 payable over 2-3 years. We are currently licensed in 12 states and are actively getting licensed in 10 more states. We have been privately funded for 5 years and just received our first major capital investment of $20 million in December 2020. Our goal is to keep decreasing our cost of capital and eventually become a lender that caps at 36% APR.

Personify Logo

ADF, through its Personify Financial brand, is the trusted financial partner for thousands of underestimated under-banked consumers. Combining state-of-the-art technology and world-class application of advanced data science and machine learning, ADF is setting a new standard for assessing non-prime borrower credit and fraud risk. Learn more at www.applieddatafinance.com and www.personifyfinancial.com.

Elevate Logo

Elevate (NYSE: ELVT), together with the banks that license its marketing and technology services, has originated $9.0 billion in non-prime credit to more than 2.5 million non-prime consumers to date and has saved its customers more than $8.2 billion versus the cost of payday loans. Its responsible, tech-enabled online credit solutions provide immediate relief to customers today and help them build a brighter financial future. The company is committed to rewarding borrowers’ good financial behavior with features like interest rates that can go down over time, free financial training and free credit monitoring. Elevate’s suite of groundbreaking credit products includes RISE, Elastic and Today Card. For more information, please visit http://www.elevate.com.

LendingUSA Logo

LendingUSA is an award-winning point-of-sale fintech company that offers merchants a seamless financing solution with access to loan decisions in seconds, promotional financing terms, and low monthly payment options for its customers across various niche markets. Founded in 2015, LendingUSA is a proud certified minority-owned business, growing to over 10,000 merchants nationwide and processing over $2 billion in borrower loan requests. LendingUSA is committed to creating the best financing experience available through its proprietary point-of-sale lending solution. The company boasts a consumer rating of 4.8 out of 5-stars on BirdEye. All loans are made by Cross River Bank, a New Jersey State Chartered Bank, Member FDIC.

LendKey Logo

LendKey delivers seamless technology, servicing, and support that financial institutions need to establish a strong digital lending presence and build lifetime relationships with prime borrowers. Lenders optimize their offerings by drawing upon LendKey’s demand generation, online decisioning and loan origination engines, loan servicing, compliance expertise, and proprietary balance sheet options. Founded in 2009, LendKey works with hundreds of credit unions and banks that have collectively deployed over $3.2 billion in education and home improvement loans. Visit lendkey.com/lend for more information.

 Line of Credit vs. Credit Card: What’s the Difference?
Line of Credit vs. Credit Card: What’s the Difference?

While a personal line of credit is more commonly categorized as a loan, in reality, it functions more like a credit card. That’s because a line of credit is a form of revolving debt, in which the money you borrow is paid back... only to be borrowed again. There are other similarities between a line of credit and credit card, however, there are also some key differences. Understanding how these two financial products compare and contrast will help in determining which option is the best for a consumer’s personal needs.

Line of Credit · 4 min read
What's the Difference Between APR and Interest Rate on a Personal Loan?
What's the Difference Between APR and Interest Rate on a Personal Loan?

There are many reasons why a personal loan is an attractive financing option for American consumers. So much so, that it’s the fastest growing consumer lending product in the US, particularly with younger generations. 

Personal Loans · 3 min read
How Freelance Creatives Can Use A Personal Loan
How Freelance Creatives Can Use A Personal Loan

Whether you classify as a freelancer, a contractor, a consultant, or a budding entrepreneur, those in the self-employed workforce share similar life experiences. Yes, there is the independence of being your own boss, but there is also the responsibility. And often, those responsibilities come with a cost.

Personal Loans · 4 min read
What is a Line of Credit?
What is a Line of Credit?

For most American consumers, borrowing money can mean a few different things. Technically, anyone using a credit card is borrowing funds that need to be paid back on a monthly basis, to avoid interest charges and other fees. There is also the personal loan, a handy financial tool that allows borrowers to obtain a lump sum and repay the debt in fixed monthly installments.

Line of Credit · 6 min read
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What’s the Best Way to Pay Off a Large Expense?

Spending within your budget is typically good life advice. Don’t pay for something you can’t afford, and if you’re borrowing money, make sure there’s a plan in place to avoid getting buried in mounting, high-interest debt.

Large Purchase · 4 min read
5 Questions to Ask Yourself Before Applying for a Personal Loan
5 Questions to Ask Yourself Before Applying for a Personal Loan

Compared to an auto loan or mortgage, a personal loan is unique in that it can fulfill a number of uses, beyond just funding a major expense. As a result, personal loans can be an attractive financing option for almost any kind of consumer, thanks to their versatile nature and convenient access. It’s true, the growth of online lending has made it easier than ever for people to get quick access to funds from accredited lenders. Before diving into the personal loan marketplace, however, it’s important to ask yourself some simple questions to better understand what your funding needs are.

Personal Loans · 5 min read
Secured vs. Unsecured Personal Loans- What’s the Difference?
Secured vs. Unsecured Personal Loans: What’s the Difference?

While there are many ways to distinguish different lending products, including how the interest is structured, it’s especially important to know the difference between secured and unsecured personal loans. Whether a loan is secured or unsecured has a great impact on the type of offers a consumer can get, but also weighs heavily on what will occur if they’re unable to repay the loan. 

Secured Loans · 5 min read
The Ultimate Guide to Personal Loans
The Ultimate Guide to Personal Loans

It’s fairly certain to say that at some point in life, nearly every person will have borrowed money through one form or another. Technically, everyone who owns and uses a credit card is doing just that. If we’re talking about the more conventional definition of borrowing, however, whether it’s for a college education, car, or home, taking out a loan is basically a financial rite of passage.

Personal Loans · 9 min read