Personal Loan Knowledge Center - Page 7

Getting a personal loan is about more than securing loan approval:

• Budget and manage your personal loan payments
• Pay on time to improve your credit history and score
• Consider refinancing or paying off your personal loan early

A personal loan can be your first loan and opportunity to build credit or a tool to consolidate and pay off credit that you already have. Here’s what you need to know to manage it wisely.

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.

How do you know when it makes sense to refinance a personal loan? The personal loan refinance decision depends on three factors:

• Can you qualify for a personal loan refinance?
• Will you save money by refinancing your personal loan?
• Are there better alternatives to applying for a new personal loan?

This article will walk you through these considerations and teach you how to refinance a loan.

For most companies, business loans are an essential part of doing business. Knowing how to borrow efficiently and cost-effectively can make a difference to your bottom line. And possibly even the survival of your enterprise.

Many believe that the best way to finance a cruise, or any non-essential short-term purchase, is to not finance it. To pay cash. But there can be good reasons to borrow money for a cruise – both personal and even financial. By paying early for your cruise, you can save up to 50%, and even get extra perks like free wifi, drinks packages and restaurant upgrades.

What happens when you create and stick to a budget? You transform your life. You gain control and confidence. And you free yourself to attain goals you thought were beyond your reach.

How long does it take to raise your credit score? Possibly not long. If your goal is to increase your FICO score, follow these steps. You’ll raise your credit score fast and pay less for everything.

How do you choose an engagement ring? And, perhaps more importantly, how do you pay for an engagement ring? Money problems cause one in three divorces, so read on to avoid broken hearts and bank accounts.

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?

Our lives are filled with parties, from impromptu small gatherings after work to huge bashes at destination resorts. While some don’t see the need for over-the-top events, others wouldn’t miss them. After all, big-ticket celebrations are part of many of the cultures that make up the American landscape. But the big question is how to pay for party costs?