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Where do you get a loan for a motorcycle? A wedding? A vacation? A horse? New options in unsecured personal loans offer financing for almost anything, with far better rates than traditional credit cards. Let’s face it: It’s not everyday you can get an online loan to buy a horse. But if you go to the website for LightStream, and scroll down to the bottom of the page, you’ll see it right there: a link for horse loans. It’s right alongside other links for aircraft financing and season

Before you rush to declare bankruptcy, think about the consequences. When you're loaded with debt and can't see a light at the end of the tunnel, filing for bankruptcy may seem like a good solution. With a Chapter 7 filing, your assets are liquidated to pay off your creditors and your remaining debts are forgiven (though there are exceptions). With a Chapter 13 filing, your debts are reorganized so they're easier to pay off over time. Many people assume that following a bankruptcy, they'll simply move on with a clean slate or a manageable debt payoff plan and call it a day. But, there are consequences to filing for bankruptcy. A Chapter 7 filing will stay on your credit report for 10 years, while a Chapter 13 filing will hang out there for seven years. Here are some things you might struggle with during that time. 1. Renting a home It's common practice for landlords to run a credit check on tenants before signing a new lease. If you have a bankruptcy on

Whether it’s because we didn’t have the money or just simply forgot, we’ve all had a bill go unpaid before. Welcome to adulthood. However, the problem is when these bills continue to go unpaid for whatever reasons, resulting in an account going into collections. Having an account in collections can be frustrating. Not only do you have to deal with unwanted calls from debt collectors, but you have to deal with the after-effects. The reduction in your credit score and derogatory marks on your credit report are just two of the things that you’ll need to address. Though it can seem a bit overwhelming at first, there is a path to getting your finances back on track. In this article, I’ll share how to recover from an account in collections. What to do with accounts in collections Once an account goes into collections, it’s important that you make an effort to get it resolved as soon as possible. Legally, debt collectors have the right to sue you for unpaid balances. Ultimately,

Whether to cover an unexpected expense or consolidate outstanding debts, you will, from time to time, find yourself in need of extra cash. Unfortunately, getting a loan with a bad credit score can seem impossible because lenders consider lending you riskier. So, do bad credit loans with “guaranteed” approval exist? Short answer - yes. Although it may seem impossible, you can get a loan even if you have bad credit. If you want a personal loan, but your credit score falls below the subprime line, you need to find a bad credit loan. Fortunately, many lenders are willing to assume the risk and extend credit to borrowers with bad credit. Lenders offering bad credit loans with guaranteed approval have flexible credit requirements that almost everyone can obtain. Interestingly, bad credit loans can help you repair your credit score if you make timely monthly payments. In this article, you will find in-depth information about bad credit loans with guaranteed approval. Keep reading

Payday loans have a very bad reputation. Even so, they do meet a need. They provide short term finance for people who may be unable to get loans from banks. People with a bad credit rating or a low income can find it difficult to borrow money. Yet, there are times when they need to finance a shortfall. Are payday loans as bad as people say? Or, are these short-term loans a much-needed safety net for the less well-off? Here's the truth about payday loans. What Are Payday Loans? Payday loans are short term loans . They are available from loan stores and online. Payday loans are also sometimes known as cash advances, check loans, or cash advance loans. Payday loans are usually repayable in full the next payday. Hence the name. They often involve giving a post-dated check to the lender to cover the repayment. How Expensive Are Payday Loans? Payday loans can be very expensive. Especially compared to conventional bank loans. Annual percentage interest rates (APR) ca

Getting a new credit card with a bad credit score is difficult, especially the regular ones that offer bonuses, perks, and a low-interest rate. However, with a set of intelligent decisions and some patience, you can get such a regular credit card. This article will discuss what kind of credit cards you can get with a bad credit report. By using these cards, you can improve your credit report and qualify for a regular credit card. Get a secured credit card You can get a secured credit card even with bad credit because a security deposit from you backs your credit. When you close the credit card account, your deposit will be returned. Until that happens, you should use your secured credit card for your transactions, and you must pay the full amount on or before the due date. A consistent history of timely credit card payments will enhance your credit score. Someday, it will be enough to upgrade your secured card into a regular card. Get a store card Like

Vacation is a time to unplug and relax, but that doesn’t mean it’s an excuse to drop the ball on financial security. From maintaining a tight travel budget to protecting yourself from credit fraud, theft and missed bills, it’s important to head into your next trip with a smart financial protection plan. Here are 10 ways to prepare your finances before, during and after traveling. 1. Set your budget beforehand Before booking plane tickets or a hotel room, it’s vital to map out your overall vacation budget. How much can you afford to spend? Come up with a reasonable number and build in some wiggle room in case anything unpredictable happens along the way. If your budget is tight, get some frugal vacation inspiration from this list of cheap travel ideas. 2. Notify card companies before leaving If you’ll be racking up charges on your debit or credit card over a short period of time, it’s a good idea to notify your bank or credit card company beforehand to avoid any disruptions

If you’ve ever wondered whether it is possible to get through life without taking out a loan or going into debt, look no further than the United States national debt. Despite boasting the highest GDP of any nation, our government still has more debt than any other country. This shows that debt can be an important part of anyone’s financial strategy. Debt is like fire: If you know what you’re doing with it, it can be a great tool. Used properly, loans can help you buy a home, pay for a car, or even invest in dividend-yielding assets that pay themselves off over time. But fire can also cause burns. Similarly, when used improperly, debt can quickly pile up and destroy things like your credit, limiting your ability to get loans or qualify for a credit card. Your credit score doesn’t only impact your ability to take out loans. Sometimes you may receive credit checks without even realizing it. Bad credit (which is considered any score below 580) can sneak up on you in all areas

In times of uncertainty caused by natural disasters, people wonder how safe their money is in a bank. Weather-related events like earthquakes, hurricanes, and snowstorms can block roads and cause power outages, driving a temporary need for extra pocket money . During a public health emergency, however, needs are different. In fact, taking too much cash out of the bank may put you at risk of loss. In a bank, your money is insured. At home, it is not. How do the FDIC and the NCUA protect my money? In the 1920s and early 1930s, the Great Depression caused a financial panic . It was not uncommon for people to worry about losing money to a bank closure during times of insecurity. So, in 1933, the federal government stepped up to ensure bank account security. They created the Federal Deposit Insurance Corporation (FDIC) for commercial banks and the National Credit Union Administration (NCUA) for credit unions a year later. Both agencies insure accounts up to $250,000. Today, the

  If you're considering applying for your first personal loan, it’s important that you know certain information, both so you can provide it to potential lenders and for your own awareness. Some of these things you may know off the top of your head, like your income, but there are also things you'll want to look into before you apply for your loan , such as your credit score. Let’s dive into what you need to know before you apply and why. 1. Credit score and credit history A good credit score and credit history show lenders that you pay your credit obligations on time. The better your credit, the better your chances of securing a loan at the most favorable terms. The best terms can save you thousands over the life of your loan. For example, here’s what a 2- or 4-percentage-point difference in interest can mean for your wallet on a $25,000 loan paid over five years: Interest rate Monthly payment Total interest paid 6% $483 $3,999 8% $507 $5,415 10% $531 $6,871 In this case, the d