Credit & Loans

Fingerhut isn't the only buy-now-pay-later app out there. Check out these awesome sites like Fingerhut to help you budget for your next shopping spree!

Whether you have a poor credit score due to no credit history, or a poor credit history, this guide will show you how you can build and improve your credit score and increase your chances of being approved for credit in the UK.

If you're looking for a lender that is professional, knowledgeable, and timely, avoid Chase. From my experience, here are the cons of applying for a Chase Mortgage and why you might lose the house of your dreams and your deposit if you stick with them.

Sometimes it may make sense to pay your mortgage with a credit card in order to earn reward points or miles. Here's how to do it.

Microfinance as a means of poverty alleviation has been widely debated. This article sheds light on an evolved, organised and restructured version of the microfinance model which may become the new way forward.

Fair Isaac Corporation Score (FICO) is explained. This article explains how your credit score is determined and ways to improve your credit or get new credit.

I explain what a Fair Isaac Corporation (FICO) score is. This article explains exactly how your credit score is determined and ways to improve your credit rating or get new credit.

You can take steps to keep your credit score high. Your credit score or credit rating is weighed when you want to borrow money to make a major purchase such as buying a car, taking a mortgage, or applying for a credit card. It is your financial responsibility to keep an eye on your credit score.

Predatory lending—unfair, deceptive or misleading practices in the origination of loans—can set traps for you when you buy a house or car, or need emergency cash.

A reverse mortgage may be more expensive and riskier than other alternatives.

What are balance transfers? How can they help you save money? All of your questions on balance transfer credit cards will be answered in this informative article.

Find out how consolidating your student loans can save you thousands of dollars. If you have just finished college and you have student loans, reading this article could be beneficial.

With all the new competition in the card market, I look at areas where consumers can benefit, whether these practices are sustainable, and what areas the local banks should be concerned about.

This article will help breakdown the process of changing loan servicers and offer ways to make sure you are making your payment to the right people protecting you as the borrower.

Earnin is an app that lets you take out up to $500 of your paycheck before payday. But it has some drawbacks. Is the app a scam? Read my review, and learn that it's totally legit and free, but not always the best financial choice.

Want to buy a luxury watch but not sure how to afford it? Luxury watches are not just wearable art but also stores of value. Here's how I bought my Patek Phillipe watch, which I consider a financial asset.

Do college students really need credit cards? Are credit card companies using unethical tactics to lure young adults into a lifestyle of debt?

This article discusses 25 prepaid debit card fees and how much you can expect to pay in fees with certain prepaid cards.

Using a financial calculator is an effective way of calculating amortization. Find out how with a TI BAII+ calculator in a few steps.

If you have an amortization problem to solve, it's possible to find all the data that you need with a calculator instead of creating a table. Find out how with an HP 10bII+ calculator in a few steps.

Check out these three good cash back credit cards I use to get money back and bonuses.

Here I will chronicle our family's journey to becoming debt-free and living within our means.

Credit cards are promoted for their convenience. There are downsides to using them, however. Here is a list of reasons why credit cards can be a bad thing.

SoFi is a private financing company that offers student and personal loans to qualified applicants. Here's my experience getting a loan from them.

Clearing out inactive accounts, registering to vote, building your credit profile and checking your credit score regularly are just some of the ways you can fix your credit rating.

Is a credit card a convenient tool, or is it an expensive way to borrow that can saddle you with serious debt? This article looks at the pros and cons.

The private student loan system in the US is broken, and Sallie Mae/Navient is the worst offender. I aim to educate student loan borrowers and campaign for change for those already in over their heads.

What's APR? Why do we use APR? What are the limitations of APR? How do you calculate APR? Here's everything you need to know.

Financial child abuse describes the abuse of a child’s identity, credit report, or financial resources. Find out what leads to financial child abuse and some signs to look for.

How do you get that pesky credit score up? Building your credit score is difficult, especially when you have limited credit. Here are five steps to building your credit score quickly from zero to 700 in six months.

Pawn shops and how they work—why you won't get top dollar for your items.

A look at what to do if you can't pay your Provident loan back. If you miss your payments, will you incur extra interest charges? What happens if you can't pay your Provident loan back?

Do credit cards lead to unnecessary buying? This author thinks they do and explains why and the pitfalls of the system.

What do bankers or loan officers look at when you apply for a loan?

Tips and tricks to pay off student loan debt fast.

Need a student loan but can't get a cosigner? Learn the steps to getting student loans without cosigners.

This article will explain the different types of loans available for senior citizens.

If you want to waive your credit card late fees, you'll need to write a letter that asks nicely. Here's a sample letter that shows you how to request your credit card company to waive late or membership fees.

Here, you'll find a step-by-step guide to paying off the debt you can and bringing your credit score up 200 points over the course of a year.

My credit score was once 520. A bad credit score can impose very restrictive limits on what you are and aren't able to purchase. How did I save my score? Use these quick tips to fix your bad credit score.