When you’re an individual consumer, it can feel useless to attempt to negotiate with a commercial bank or other financial institution. After all, if you’re applying for a loan – or paying one down – you have very little leverage. However, it’s possible to negotiate the terms of a loan if y...

When you’re on a fixed income, it’s easy to imagine a scenario where you need a loan in order to afford a necessary bill like a home repair or medications. A personal loan might be the best option, but many lenders take income into account, and Social Security benefits don’t provide a large pa...

Payday loans are often advertised as perfect for those with bad credit, who may not qualify for personal loans from traditional lenders like banks or credit unions. However, payday loans are dangerous for a variety of reasons. Borrowers should take caution before using this option. Image via Flickr/...

Personal loans are a flexible tool and, when used prudently, a smart financial decision for many people. However, it’s important to consider the implications before signing on the dotted line. Click through to learn the questions you need to answer for yourself before you decide to take out a pers...

A personal loan is a versatile financial tool that can be used for a multitude of purposes. However, there are some specific uses that are most common, as well as best suited for a personal loan. Click through below to learn your options for utilizing personal loan funds. Image via Flickr/Pictures o...

Financial jargon can be difficult to understand, and many consumers are confused about the difference between their FICO score and their credit score. Both numbers are important indicators of your financial health, and they are actually quite similar. Read on to learn more and level-up your personal...

Whether you need to pay a high-interest debt, afford medical care or complete a home improvement project, a personal loan is a great financial resource. These flexible loans can be used for many reasons, and they are readily available, too. So, how do you shop around for the best loan for you? Follo...

Your favorite stores offer credit cards, national companies offer enticing perks and credit cards can be used just about anywhere. So, how many should you really have? While there’s no magic number, here are a few things to consider before you add another card to your wallet. Image via Flickr/Haka...

Does lending jargon make your head spin? Do you feel overwhelmed by the mortgage loan process? These are just a few of the reasons you need a mortgage broker you can rely on. Since there are so many options to choose from, read on to learn how to choose the right mortgage professional for your [&hel...

Personal loans are a versatile type of loan that can used for a multitude of purposes. However, there are still rules and restrictions you must follow. Before you take out a personal loan, be sure you understand the basics such as terminology, interest rate, repayment terms and more. Read on for a t...