You don’t put up collateral for an unsecured personal loan, so you don’t risk losing your home or car in the event of default. Check today’s home improvement loan rates.Conventional cash-out refinances. If you have a lot of equity in your home, a cash-out refi lets you free up a sizeable sum for expensive renovations. A HELOC allows you the opportunity to take out a smaller

Read more

In the same way actions like late payments can lead to bad credit, there are factors that can contribute to good credit. Paying your loans on time, avoiding your credit limit and maintaining a long line of credit history are all ways to get and keep a good credit score. If you have bad credit, we suggest going with a secured credit card . Some credit

Read more

If you can’t pay back your loan, your lender could take your home through the foreclosure process. Using home equity for the right reasons can be a smart and savvy way to borrow money. But being smart about borrowing from your home equity is critical. The number of years this will take depends on the loan term you agreed to when taking out your home equity

Read more

Getting a low interest rate car loan isn’t a pipe dream. We do our best to give you the car you need at a rate that isn’t going to break your bank. Bad credit car loans are issued by subprime lenders, also referred to as “second-chance” lenders. The next step after you know your credit score is to determine a budget for your car purchase. Ideally,

Read more

If you can’t borrow from friends or family and other lenders have denied you, check with OppLoans. Remember, though, that these loans are only a good option if you’re able to pay the money back quickly to save on those high interest charges. You can get a loan for as little as $500 from OppLoans and can borrow up to $4,000, at APRs ranging from 99%

Read more

To understand what’s affecting your credit score, you’ll have to take a look at your credit report. They range from 300 to 850, with higher scores being more desirable. Length of credit history accounts for 15% of a FICO® Score, so you may also want to keep old accounts open to maintain a long average credit history. That could mean putting a small charge on your

Read more

After you visit the Finance Department section of our website, you’ll find a finance application listed for each of our locations. There’s also a helpful Value Your Trade tool which can provide you with a better idea of what your financial situation will look like with your trade-in included. Bankruptcies, foreclosure, repossession, divorce, or no credit history at all can impact your credit score and make

Read more

An equity loan is great if you’re planning on some pretty big projects that will require a lot of cash upfront. Want to know exactly how much you can borrow before you apply or check rates? You cannot change the interest rate or other terms of your current mortgage. You can change other terms of your mortgage, like your interest rate. Balloon payments might make paying

Read more

Bad credit doesn’t necessarily mean you won’t qualify for a mortgage. But borrowers with good or excellent credit have the most loan options. But like with an FHA loan, you’re much more likely to find a lender who will approve you with a FICO score of 580 or higher. This rule is the reason most loans require a minimum credit score in the 600s as well

Read more

Finally, there are no penalties for paying off the loans early. Assuming you qualify for a reasonable APR, P2P loans have a number of advantages. For home improvement borrowers, peer-to-peer loans are personal loans that typically range from $1,000 to $40,000 and have terms of one to five years. So be sure to check the lender’s offer to see how often, and by how much, it

Read more