Loans
How Singapore's SME Working Capital Loan Can Help Your Business
In the unpredictable world of business, the COVID-19 pandemic has underscored the critical importance of cash flow and liquidity. For SMEs, balancing the...
Installment loans: How do they work? Are they right for you?
Installment loans are a popular financial tool used by individuals and businesses to finance significant purchases or consolidate debt. These loans are structured...
How to pick the perfect personal loan to meet your financial needs
Choosing the right personal loan can be a pivotal financial decision, impacting your financial health for years to come. With numerous lenders, varying...
No credit check, no worries: How to secure a signature loan
Financial emergencies can arise unexpectedly, leaving many people scrambling for quick cash. For those with poor or no credit history, securing a traditional...
What are loan terms and how to negotiate them
When borrowing money, understanding the terms and conditions of your loan is crucial. Loan terms encompass various details such as the repayment period,...
How to secure a personal loan without employment
Securing a personal loan without a job may seem daunting, but it is indeed possible with the right approach and preparation. While traditional...
What you need to know about predatory lending laws
Predatory lending is a term that describes unfair, deceptive, or fraudulent practices during the loan origination process that are detrimental to borrowers. Predatory...
Why do interest rates on student loans cost so much?
Student loan interest rates have become a significant concern for borrowers, with federal undergraduate loan rates reaching a near-record high of 6.53% for...
Should you merge your student loans?
Consolidating student loans is a significant financial decision that can simplify your repayment process, potentially lower your monthly payments, and offer various other...
What's the difference between federal and private student loans?
As college costs continue to rise, many students and families turn to student loans to finance higher education. When it comes to borrowing...
Americans struggle with loan repayments
Americans are increasingly taking out loans despite high interest rates, while simultaneously struggling to keep up with repayments. This trend, highlighted by recent...
The hidden dangers of taking an education loan
Obtaining a degree is often seen as a crucial step towards securing a well-paying job. However, the rising costs of higher education have...
Loan grading: Key factors and benefits for lenders and borrowers
Loan grading is a fundamental process in the banking and financial sectors, designed to assess the creditworthiness of borrowers and the risk associated...
Interest rate vs. APR: What you need to know
When it comes to borrowing money, understanding the difference between interest rates and annual percentage rates (APR) is crucial. Both terms are often...
Instant personal loans: How quickly can you access funds?
Financial emergencies can arise unexpectedly, requiring immediate access to funds. Instant personal loans have emerged as a popular solution for those needing quick...
Can you get a personal loan after bankruptcies?
Bankruptcy can be a daunting experience, leaving a lasting impact on your financial health and credit score. However, life goes on, and there...
How can you use student loans effectively?
Navigating the financial landscape of higher education can be daunting. With the average cost of out-of-state tuition at $29,150 per year and in-state...
Employee loans: What they are and whether you should get one
Employee loans are a financial benefit some employers offer to their staff, providing a convenient way to borrow money at potentially lower interest...
Car loan vs. housing loan: Which one should you pay off first?
When faced with the decision of which loan to pay off first – your car or your housing loan – several factors come...
So, your pet needs surgery on its ACL. Will your insurance pay for it?
When your beloved pet faces the prospect of ACL surgery, it's not just the thought of their discomfort that can be overwhelming –...
What are the 5 Cs of credit? How are they used? Which is the most important?
Understanding the factors that influence lending decisions is crucial for both borrowers and lenders. At the heart of this process lies a fundamental...
Student loan relief: What borrowers can still rely on despite legal hurdles in 2024
Student loan debt has become a pressing issue for millions of Americans, with the total outstanding balance reaching a staggering $1.6 trillion. As...
The return of risky-loan trading in today's uncertain market
The risky-loan trade, a high-stakes game that captivated investors before the 2008 financial crisis, is making a comeback. As market uncertainty continues to...
Can you get a personal loan while under Chapter 13 bankruptcy?
Navigating the financial landscape during Chapter 13 bankruptcy can be challenging, especially when it comes to securing a personal loan. While it's not...
Personal loans 101: Strategies for successful monthly repayment
Personal loans have become an increasingly popular financial tool for individuals seeking to manage large expenses or consolidate debt. With their fixed interest...
Where to get a personal loan besides a bank
Securing a personal loan can be a daunting task, especially if you limit your options to traditional banks. While banks are a common...
Can I buy a car with a personal loan?
When it comes to buying a car, most people think of auto loans as the go-to financing option. However, personal loans can also...
How does a personal loan from a credit union work?
Credit unions have become increasingly popular alternatives to traditional banks, offering a wide range of financial services, including personal loans. But how exactly...
Personal loan maximums: How much can you borrow?
Personal loans are a popular financial tool for individuals seeking to cover various expenses, from debt consolidation to home improvements. However, the maximum...
How extra payments can change how you pay off your personal loan
Making extra payments on your personal loan can have a profound impact on your financial future. By directing additional funds towards your loan's...
Tips for getting a personal loan when you don't have a job
Securing a personal loan while unemployed can be daunting, but it's not impossible. Whether you're dealing with unexpected expenses or need funds to...
What is the average interest rate on a personal loan?
Personal loans have become an increasingly popular option for individuals seeking to consolidate debt, finance large purchases, or cover unexpected expenses. However, one...
What are private student loans and how do they work
Private student loans are a significant financial resource for many students pursuing higher education. These loans, provided by private lenders such as banks,...
Worried about student debt? Here's how to avoid borrowing too much
Student loan debt has become a significant burden for many Americans, with the average debt amounting to $37,852 in Q2 2024. As the...
What happens to your student loans after you die
Understanding what happens to student loans when you die is crucial for anyone with educational debt. This knowledge can help you plan your...
If I don't pay my car loan, what will happen?
When you take out a car loan, you enter into a legally binding agreement with your lender to repay the borrowed amount plus...
Can you secure a loan without a credit check?
Many individuals find themselves in need of quick cash but are concerned about their credit history. This leads to a common question: Can...
Can you really get a personal loan with a CPN?
When it comes to obtaining a personal loan, having a good credit score is crucial. Lenders typically rely on credit reports and scores...
Using personal loans to pay for divorce lawyers' fees
Divorce is an emotionally and financially draining experience. As couples navigate the complexities of separating their lives, the costs can quickly spiral out...
What makes loans for electric cars more expensive?
Electric vehicles (EVs) are becoming increasingly popular as consumers seek eco-friendly alternatives to traditional gasoline-powered cars. However, one significant barrier to widespread EV...
Essential insights before taking a loan: What you must know
Taking out a loan can be a pivotal moment in your financial journey, whether you're buying your first home, a new car, or...
How much of your gross salary should go toward paying off your student loans?
Navigating the world of student loan repayment can be daunting, especially when trying to balance it with other financial obligations. Understanding how much...
Tips for quicker personal loan payoff
Paying off a personal loan faster is a goal many strive for, as it not only alleviates financial pressure but also saves money...
How to persuade your fiancé to take out a loan for a big wedding
Planning a wedding is often a dream many have nurtured since childhood. The idea of a grand celebration, complete with a stunning venue,...
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Three scenarios where a personal loan can prevent further debt
In today's fast-paced world, financial stability can sometimes feel like a distant dream. Unexpected expenses can arise at any moment, leaving you scrambling...
What is a licenced moneylender and what should you watch out for if you borrow from them?
In Singapore, licensed moneylenders provide a legal and regulated avenue for individuals seeking personal loans. These moneylenders operate under strict guidelines set by...
Let's get a loan together, will you?
In the journey of life, major milestones often come with significant financial decisions. For many couples, the prospect of homeownership looms large, bringing...
Is a personal loan the right choice for college students?
The cost of a college education continues to rise, leaving many students and their families searching for viable ways to finance their academic...
For what reasons could a personal loan be rejected?
Applying for a personal loan can be a crucial step in managing your finances, whether it's for consolidating debt, covering unexpected expenses, or...
Jumbo Loans: What they are, how they work, and how to qualify
In the world of real estate, the term "jumbo loan" often surfaces, especially when discussing high-value properties. As housing prices continue to rise,...
How to get through the difficulties of a loan default
Securing a business loan can be a pivotal moment for any company’s growth and expansion. However, unforeseen challenges or financial setbacks can sometimes...
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