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5 Things to Do Before Applying for a Personal Loan

5 Things to Do Before Applying for a Personal Loan

4 years agoBy Dr Taylor Macintosh0 Comments

If you plan to apply for a personal loan, here's how to make it easier.

Personal loans are handy for financial products. If you dream of a home makeover, need to get an old car running, or want to consolidate high-interest credit card debt, personal loans can help. Whatever your reason for a personal loan, do yourself a favor -- take these five steps before you apply.

1. Check your budget

Dreams are fantastic, particularly if they're realistic. Sit down with your monthly budget and figure out if you have room for...

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How Lenders Use Credit Scores

How Lenders Use Credit Scores

4 years agoBy Dr Taylor Macintosh0 Comments

 

We’ve all heard of credit scores.  But what are they? How do lenders use credit scores?

Your credit score is a number based on a formula using the information in your  credit report. The result is an accurate forecast of how likely you are to pay your bills.

Credit scores are widely used. If you’ve gotten a loan, a credit card, or even auto insurance, the rate you paid was directly related to your credit score. The higher the score, the better you look to lenders. People with the highest scores get the lowest interest rates.

Defining Credit Risk

Credit scores look...

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Signature Loans

Signature Loans

4 years agoBy Dr Taylor Macintosh0 Comments

Signature loans are unsecured personal loans. They are not backed by property. They can be used for many purposes. Amounts can vary from a few hundred to tens of thousands of dollars.

They can be used for any purpose, from consolidating debts to paying for a vacation or wedding.

Getting a Signature Loan

Nearly all banks offer some form of signature loan. So it is a good idea to shop around to find the best loan for your needs. Check your local bank or credit union...

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