Personal Loans

When it comes to personal loans, we want to help you make smarter financial decisions. Our experts explain the in’s & out’s of personal loans, highlight the types of loans available – their advantages and disadvantages – and how to improve your chances of getting approved. We also alert you to personal loan scams you should avoid & highlight how personal loans compare to traditional student loans or auto loans.

Can You Use a Peer-to-Peer Loan to Pay Your Taxes?

Can You Use a Peer-to-Peer Loan to Pay Your Taxes?

Can You Use a Peer-to-Peer Loan to Pay Your Taxes?

As the April 15 income tax deadline draws nearer, it’s increasingly risky to put off thinking about how you’re going to come up with the money to pay your taxes. If the money hasn’t magically materialized in your checking account, it’s time for a Plan B.  Or maybe you owe quarterly taxes, and a big… Read More

Online Payday Lenders Face Scrutiny in New York

Online Payday Lenders Face Scrutiny in New York

Online Payday Lenders Face Scrutiny in New York

Websites that offer short-term, high-interest loans to consumers continue to draw the attention of regulators, with New York state authorities issuing 16 subpoenas to lead generation websites recently, according to the New York Times. The relatively new practice of offering payday loans online through websites involves a thicket of complicated legal issues. Many states have… Read More

Credit.com in the News 11.23.13

Credit.com in the News 11.23.13

Credit.com in the News 11.23.13

The Consumer Financial Protection Bureau released a report highlighting the need to focus on financial education, which is what Credit.com’s Credit Experts were all about this week. In an NBC story on that report, Credit.com Director of Consumer Education Gerri Detweiler commented on the troubling disparity between the money financial service companies spent on financial… Read More

House Underwater? A Personal Line of Credit Can Help

House Underwater? A Personal Line of Credit Can Help

House Underwater? A Personal Line of Credit Can Help

I’d never heard of a personal line of credit until I walked into my bank and tried to get a home equity line of credit just as the housing bubble was bursting. Without even attempting to assess the real value of my home, a bank employee in some far-away location rejected my application within minutes,… Read More

The Credit Tool Everyone Forgets About

The Credit Tool Everyone Forgets About

The Credit Tool Everyone Forgets About

When working to build your credit, there are some well-known best practices and “standard operating procedures” that you have probably read about frequently: Get copies of your credit reports and review them for errors, work with debt collectors, pay down debt, check your credit score regularly for changes (which you can do for free using Credit.com’s… Read More

Why You Need to Save Now for Christmas

Why You Need to Save Now for Christmas

Why You Need to Save Now for Christmas

With Christmas shopping season just around the corner, a bit of pre-planning may make the post-Christmas season a bit merrier for you. Americans planned to spend an average of $854 on presents for family and friends last year. However, for many families there is no planning ahead, no savings — and so the spending winds… Read More

The Smartest Countries in the World?

The Smartest Countries in the World?

The Smartest Countries in the World?

The United States may have the lion’s share of the cash, but when it comes to brains, we don’t even crack the top ten, according to one recent report. In a ranking of the countries with the highest IQs conducted by StatisticsBrain.com, the United States placed 19th with an average IQ of 98, tied with… Read More

3 Times When a Personal Loan Beats a Credit Card

3 Times When a Personal Loan Beats a Credit Card

3 Times When a Personal Loan Beats a Credit Card

When you need something right away but can’t afford to pay cash, the easiest way to get it is to pull out a credit card and charge it. But that may not always be the best option. There are times when a personal loan trumps borrowing with a credit card. Here are three of them:… Read More

On Victory Drive, Soldiers Defeated by Debt

On Victory Drive, Soldiers Defeated by Debt

On Victory Drive, Soldiers Defeated by Debt

Seven years after Congress banned payday-loan companies from charging exorbitant interest rates to service members, many of the nation’s military …

Trapped in Payday Loan Debt? How to Escape

Trapped in Payday Loan Debt? How to Escape

Trapped in Payday Loan Debt? How to Escape

“Is it possible to get ahead of the payday loans and get credit back in good standing?” That question was posed to us in a recent CreditExperts Twitter chat we hosted. If you’ve ever been stuck in the cycle of payday lending you may be wondering the same thing. The answer depends in large part… Read More

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