Loans

Looking for the perfect personal loan or auto loan? Our Credit.com experts are here to help. Learn how to get the best deal on your next car and what you want to avoid when shopping for one. Find out the ins and outs of payday loans and the pitfalls to avoid when getting one. Were you recently denied a loan or are you wondering what kind of score it takes to get the best loan for you? Check out Credit.com’s free credit report card and find out where you stand today.


Leasing a Car: Is It Right for Me?

Leasing a car has a lot of perks. You enjoy lower monthly payments, a lower down payment and you may be able to drive a more expensive car for less dollars each month than you would if you were buying. You have fewer repair costs since with a three-year lease, a car’s factory warranty is […] Read More

What is an Installment Loan?

With an installment loan, you borrow a specific dollar amount from a lender and you agree to pay the loan back, plus interest, in a series of monthly payments. Qualifying for an installment loan is a great way to pay for a car, home or even pay a portion of a college degree. Home equity […] Read More

Using a Cosigner: What You Need to Know

Getting a credit assist from a cosigner may be necessary to qualify for the credit you are looking for. You may need a cosigner when applying for credit if: You don’t meet the minimum income requirements for a loan. You have no established credit. You have bad credit. You meet the minimum income requirements but […] Read More

Three Steps to Save You $3,000 on Your Next Car

Too many buyers unnecessarily pay more than they need to for their cars. Do you know how to get the deal you deserve? Following these three simple cost-cutting steps can help you save big on your next car purchase. 1. Credit Check Not checking your credit before you start shopping for a car is a […] Read More

How to Get the Best Personal Loan Rates

A fixed-rate personal loan can be a useful tool for consolidating debt, like high interest credit cards, or paying for an upcoming expense. To get the best deal and the lowest interest rate for your credit rating on a personal loan, follow these tips. Check Your Credit Score The first step to getting the best […] Read More

How to Apply for a Personal Loan

Whether or not you qualify for a personal loan and what interest rate you will be charged if approved for the loan depends on your credit. That’s why checking your credit score is the first step you should take when applying for a personal loan. You can pay one of the major bureaus to see […] Read More

How to Use a Personal Loan to Consolidate Credit Card Debt

Getting a personal loan from your local bank, credit union, or reputable online lender is one strategy for consolidating credit card debt. For this strategy to work for you, you will most likely need good or excellent credit. The rates on personal loans are determined based on your credit score. Having great credit gets you […] Read More

How to Get a Personal Loan With Bad Credit

Wondering how you will ever get approved for a personal loan when you have bad credit? These tips and strategies may help. Find out your credit score You don’t need perfect credit to be approved for a personal loan but it is important to know your credit score before you apply. The free Credit Report […] Read More

How to Shop for the Best Personal Loan

Looking for a good deal on a personal loan? These tips will help you shop smart. Know your credit standing Before you start shopping for a personal loan, find out your credit score. To get the best deal and qualify for the lowest interest rate on a personal loan, you’ll need to have good or […] Read More

Payday Loans vs Personal Loans

Trying to decide between a payday loan and a personal loan? Here is what you need to know about these two very different short-term loan options. Payday loans A payday loan is a very short-term, high-cost loan that gives cash-strapped consumers the money they need until their next paycheck. Payday lenders will ask about your […] Read More

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