Checking Accounts
Second-Chance Bank Accounts Explained
If a bank denied you a checking account because of past overdrafts or closed accounts, a second-chance account lets you bank again. Here is how they work and how to clean up your record.
Bad Credit
A low credit score narrows your choices, but it does not have to mean triple-digit interest. These guides show the fair options and the warning signs.
5 guides about “Bad Credit”.
Loan Rates
Secured vs. Unsecured Personal Loans: Key Differences
A secured loan is backed by collateral such as savings or a car, which lowers the lender's risk and often your rate. An unsecured loan relies on your credit alone. Here is how to choose.
Loan Rates
Payday Alternative Loans (PALs): The Credit Union Option Capped at 28%
Payday alternative loans let federal credit union members borrow $200 to $2,000 at no more than 28% interest plus a fee of at most $20. Learn the PAL I and PAL II rules and what they cost compared with a payday loan.
Loan Rates
How to Get a Personal Loan With Bad Credit (and Which Offers to Avoid)
Bad credit does not have to mean a 400% payday loan. Credit unions, secured loans and co-borrowers often cost a fraction of that. Here are the realistic options, their costs and the red flags to watch for.
Loan Rates
What Credit Score Do You Need for a Personal Loan?
There is no single minimum score for a personal loan, but your score decides the price. Learn the FICO ranges lenders use, what debt-to-income ratio they want and how to improve your odds before you apply.