If you have ever applied for a loan or mortgage, you know one of the first things the lender looks at is your credit score. Although, it is important to maintain a high credit score, it is just as important to have good credit habits. Good credit habits not only include your payment history, but

When you apply for a business loan the lender will almost always present you with a loan application form to fill out. But there are numerous other factors that will determine whether you are successful, so make sure you pay attention to the following tips. Believe it or not it’s also a great way to

Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many common reasons why homeowners refinance: The opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or

A share pledge loan is a type of personal loan available only from a credit union. For an individual with a credit union banking relationship, this type of loan can be a low-cost way to borrow some money. Different credit unions will apply different terms to share pledge loans. Credit Union Accounts Credit unions use

Signature loans take less time for a bank to process than other types of loans because the lack of collateral means that the loan underwriter bases the decision to approve or decline the loan purely on your own financial situation. Not all banks offer signature loans, and bankers may direct customers to apply for credit

  Are you trying to figure out how to consolidate your debt? 1. Check your credit reports and get your credit score. You can get your credit reports from each of the three major credit reporting agencies for free once a year at AnnualCreditReport.com. It’s a good idea to review them so you don’t end

If you need money to meet basic expenses, fund your wedding or take a vacation, you’ve probably considered getting a personal loan – a loan where you don’t put up any collateral, such as your house or your car, that the lender can repossess if you default. Because the lender has no guarantee for the

If you are planning on applying for secured loans in the future, no doubt you will want to be sure that you can find the best rates possible. The rates that you get on your loan are very important and getting lower rates can save you a great deal of money over the life of

The decision to buy a new car will probably be one of the most important financial milestones in your life. In addition to the investment of money, you will spend a great deal of time looking for the right vehicle that caters to your needs. Similarly, you also need to spend time when looking for

By means of cosigning, parents help their offspring get the loan and establish credit in their own names.