Personal Loans

A personal line of credit lets you borrow money over time, rather than just once, but there can be downsides to this form of debt.

Your options will be limited and expensive unless you have someone to help you, in the form of a co-applicant.

Even with minimal funds and poor credit, there are several strategies you can use to kick credit card debt to the curb.

You may be able to get a personal loan with no job via a cosigner, co-borrower or another form of financing.

Personal loan eligibility criteria can vary from lender to lender, but you’ll generally need a good credit score and low debt-to-income ratio to gain approval.

A credit builder loan is a type of installment loan designed to help you become more creditworthy—it could be useful if your credit history is thin or checkered.

A lender employs a loan officer to help you apply for a mortgage, business loan, personal loan or other type of financing.

Boat loans function similarly to auto loans, with a down payment and fixed repayment term, though it’s not the only financing option to consider.

Budgeting and saving up for a trip in advance is the best way to pay for travel, but personal loans (and credit cards) are borrowing options with unique pros and cons.

You might be motivated to become debt-free, but consider factors like prepayment penalties and your budget before requesting that final payoff amount.

Whether you’re applying for a personal loan, repaying or refinancing one, your credit score can swing in different directions if you’re not careful.

Like borrowing a personal loan for the first time, refinancing one requires some legwork to ensure you get the best deal possible.

This upfront fee, which is also charged on mortgages and some student loans, can increase your costs and reduce your loan disbursement.

Unlike an unsecured loan that relies on your credit history and other financial markers, a secured loan puts your collateral at risk.

It can be a useful and powerful tool to organize your debt, ideally at a lower interest rate, but it’s not always the best option.

These apps can help you in a pinch, but it's best to avoid relying on them in the long term.

The most important steps involve preparation, before you even start the application process.

These short-term loans often cause more trouble than they're worth and may not even be available in your state.

Payday loans might seem like a quick and easy solution to your money problems, but they come with hefty fees and sometimes shady practices.

Once the introductory offer ended and my credit cards started charging me high interest, I realized something needed to change.

Personal loans can help you pay off a major expense or build credit, but shopping around is critical. After all, not all personal loans are created equal.

If you have a low credit score, debt consolidation will be tricky. But it can be done with the right approach.