5 Steps to Improve Your Credit Score Before Applying for a Loan
Improve your credit score before applying for a loan with quick utilization fixes, dispute tactics, and a 30–90 day plan to qualify for better rates.
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Loan tips, calculators, and how-to guides
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Browse our most popular posts on improving approval odds, lowering borrowing costs, and comparing offers.
Debt Consolidation: Is It Right for You?
See when a debt consolidation loan makes sense, how to compare offers, and the red flags to avoid so you can pay off debt faster.
Read the postHow to Read Your Loan Agreement
Use this checklist to review every part of a loan agreement—APR, fees, due dates, and fine print—so you can sign with confidence and avoid surprises.
Read the postWhat Is a Personal Loan and How Does It Work?
Understand how personal loans work—costs, benefits, and when they make sense—so you can borrow confidently.
Read the postStep-by-Step Guide to Applying for a Loan
Follow this step-by-step guide to apply for a personal loan confidently—check credit, gather docs, compare offers, and sign the best agreement.
Read the postLoan vs. Credit Card: Which Is Better (and When)?
Know when to use a personal loan versus a credit card, how costs compare, and the best strategy to avoid expensive debt.
Read the postHow to Get a Loan With Bad Credit
Learn how to get a loan with bad credit by improving approval odds, comparing safer options, and spotting predatory offers before you apply.
Read the postTypes of Loans: A Complete Guide
From personal to business loans, learn about the different types of loans available and their uses.
Read the postUnderstanding the Loan Approval Process
See how lenders evaluate applications—credit, income, DTI, and purpose—and learn practical ways to boost your approval odds.
Read the postLoan Interest Rates Explained
Understand loan interest rates, APR, and what drives them so you can secure the lowest possible cost for your next loan.
Read the postEffective Loan Repayment Strategies
Cut interest and repay faster with smarter tactics—autopay, biweekly payments, avalanche/snowball methods, and well-timed refinances.
Read the postHow to Secure a Loan Without a Job
Unemployed? It's still possible to get a loan. Find out how with these tips.
Read the postHow to Prequalify for a Loan
Prequalification helps you understand your loan options without impacting your credit score.
Read the postTop Loan Consolidation Options in 2024
Compare the main debt consolidation options—personal loans, balance transfers, home equity, and more—to find the safest, lowest-cost fit.
Read the postEmergency Loan Options When You Need Cash Fast
See the safest emergency loan options when you need cash fast—compare costs, timing, and red flags before you borrow.
Read the postLoan Terms to Avoid at All Costs
Spot and avoid predatory loan terms—learn the red flags, safer alternatives, and questions to ask before you sign.
Read the postLoan vs. Line of Credit: What's the Difference?
Learn the differences between a loan and a line of credit to make the right financial choice.
Read the postHow to Negotiate Better Loan Terms
Negotiate better loan terms by using rate comparisons, timing, and your borrower profile. Learn what to ask for—and what to avoid—before you sign.
Read the postCommon Loan Application Mistakes to Avoid
Avoid costly mistakes when applying for a loan—missed details, wrong amounts, or the wrong product can hurt approval odds and rates.
Read the postLoan vs. Mortgage: What You Need to Know
Understand the differences between a loan and a mortgage to make informed financial decisions.
Read the postWhat You Need to Know About Loan Eligibility Requirements
Learn the key factors lenders review—credit, income, DTI, and documentation—and how to strengthen your application before you apply.
Read the postHow Loan Interest Is Calculated
Learn how simple interest, APR, and amortization work so you can estimate payments and cut total borrowing costs.
Read the postLoan vs. Credit Builder: Which is Better for Building Credit?
Both can help build credit, but which is more effective? Learn the differences.
Read the postLoan vs. Savings: When to Borrow and When to Save
Learn when it makes sense to pay cash and when a low-rate loan can preserve your savings without putting you at risk.
Read the postLoan vs. Investment: Choosing the Right Financial Move
When you need money, should you take a loan or invest? Learn how to decide.
Read the postLoan vs. Gift: Which is Better for Financial Help?
Should you accept a loan or a gift when you need financial help? Understand the implications.
Read the postLoan vs. Lease: Which is Better for Your Next Car?
Deciding between a car loan and a lease? Learn the pros and cons of each.
Read the postLoan vs. Refinance: When to Choose Each Option
Refinancing can reduce your interest rate, but when is it better to take a new loan?
Read the postLoan vs. Debt Settlement: Which is Better for Reducing Debt?
Learn when it's better to take a loan versus settling your debt for less.
Read the postLoan vs. Balance Transfer: Which is Better for Paying Off Debt?
Deciding between a personal loan and a balance transfer? Learn which option works best.
Read the postLoan vs. Payday Loan: What You Should Know
Payday loans can trap you in debt. Learn why a personal loan is often a better option.
Read the postLoan vs. Home Equity Loan: Which is Better?
Compare a personal loan to a home equity loan to see which is right for you.
Read the postPersonal Loan vs. Business Loan: Key Differences
Learn the differences between personal and business loans to choose the right one.
Read the postPersonal Loan vs. Student Loan: Which is Better for Education?
Compare personal and student loans to decide which is best for funding education.
Read the postPersonal Loan vs. Auto Loan: Which is Better for Buying a Car?
Compare personal and auto loans to find the best option for your next car purchase.
Read the postLoan vs. Mortgage Refinance: Which is Better?
Learn when it's better to take a loan versus refinancing your mortgage.
Read the postLoan vs. Debt Consolidation Loan: What's the Difference?
Compare a standard loan to a debt consolidation loan to see which is better for you.
Read the postLoan vs. Cash Advance: Which is Safer?
Cash advances can be costly. Learn why a personal loan is often a better choice.
Read the postLoan vs. Peer-to-Peer Lending: What You Need to Know
Compare traditional loans to peer-to-peer lending to see which is better for you.
Read the postLoan vs. Credit Card Cash Advance: Which is Better?
Credit card cash advances can be expensive. Learn why a personal loan is often better.
Read the postLoan vs. Flexible Loan: Understanding Your Options
Flexible loans offer more repayment options. Learn if they're right for you.
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