Erik Martin

Erik J. Martin joins MoneyRates as a contributor writing about personal loans, real estate, and other personal finance topics.

He is a Chicago area-based freelance writer whose articles have been published by the US Chamber of Commerce, AARP The Magazine, Reader’s Digest, The Costco Connection, The Chicago Tribune, Los Angeles Times and other publications. He often writes on topics related to real estate, financial services, business, technology, health care and entertainment. He also hosts a podcast and publishes several blogs, including martinspiration.com and cineversegroup.com.

Recent Articles By Erik J Martin

Where to Get A Personal Loan

Erik J Martin
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Many institutions online and on the street offer personal loans. The best personal loan lender for you is the one that works in your comfort zone and caters to consumers with your needs and credit profile.

Joint Personal Loans – Compare and Apply

Erik J Martin
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If you’re having trouble getting approved for a personal loan, consider a co-signer for a personal loan or a joint personal loan application.

Personal Loan Denial – What If You’re Turned Down for A Personal Loan?

Erik J Martin
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Personal loan denial is hard. It’s difficult not to take personal loan rejection, well, personally. But different lenders focus on different types of borrowers. You might be declined for a personal loan by one lender, and welcomed with open arms by another. You might have to make yourself a more attractive applicant, but there is probably a personal loan out there for you.

How Does A Credit Repair Loan Work

Erik J Martin
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If you have a low credit score, can you repair your credit with a personal loan? You may be able to use a personal loan to improve your credit score. This article explains how to use a personal loan to fix your credit score.

Things You Should Know About Personal Loans

Erik J Martin
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Lack the cash to make an extra-large purchase? Want to consolidate your high-interest credit card debt? Don’t have enough equity in your home to tap? Personal loans can be a good solution.

How to Use A Personal Loan to Pay Your Tax Bill

Erik J Martin
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You finished your tax return. But unfortunately you owe the IRS and don’t have the money to pay your tax bill. What are your options?

How Much Does Student Loans Affect Your Credit Score

Erik J Martin
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Student loan debt can affect your credit and be challenging to pay off, especially if it takes a while to find the right job after graduation. Making student loan payments late could negatively affect your credit score. But punctual student loan repayment can boost your credit score. Learn how to manage your credit score in this article.

Getting A Personal Loan for Home Mortgage Closing Costs

Erik J Martin
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When you refinance or buy a home, prepare for an expensive process. In addition to coming up with the down payment, you also have to pay closing costs that can add up to thousands. It can be challenging to scrounge up money for the latter, especially if you’re on a tight budget or this is your first home purchase. One option to cover your closing costs is a personal loan.

Personal Loans Prequalification

Erik J Martin
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Personal loan prequalification or preapproval is a good step to take if you don’t need a loan today, but you think you might in the near future. Pre-qualify for a personal loan today or apply for loan preapproval. This way, you can make better spending decisions and borrow confidently.

Borrow Without The Bank – Loans You Can Get Without A Bank Account

Erik J Martin
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When you want to borrow money, an obvious source to consider is a bank. Banks are well funded and in the business of lending dollars to qualified applicants. But that begs the question: Can you get a loan without a bank account?

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