Vacations packages – We Are Africa http://we-are-africa.org/ Tue, 21 Jun 2022 09:44:29 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://we-are-africa.org/wp-content/uploads/2021/06/cropped-icon-32x32.png Vacations packages – We Are Africa http://we-are-africa.org/ 32 32 Buy now, pay later is a bad sign https://we-are-africa.org/buy-now-pay-later-is-a-bad-sign/ Tue, 21 Jun 2022 08:36:55 +0000 https://we-are-africa.org/buy-now-pay-later-is-a-bad-sign/ By Morf Morford Tacoma Daily Index As an individual, as a business, or as a government, it’s rarely a good fiscal strategy — at least as a long-term policy — to spend money you don’t have. Sometimes, like in a major purchase, like a house or a vehicle, in our current economy, that’s the only […]]]>

By Morf Morford

Tacoma Daily Index

As an individual, as a business, or as a government, it’s rarely a good fiscal strategy — at least as a long-term policy — to spend money you don’t have.

Sometimes, like in a major purchase, like a house or a vehicle, in our current economy, that’s the only way to make that purchase.

There was a time, not so long ago, when mortgages weren’t routinely available to most homeowners – and, as you might guess, that dampened house prices (but that’s a any other subject).

These days, most of us buy now and defer payment. In fact, according to Experian, 4 out of 5 U.S. consumers are using buy now, pay later, from clothes to cleaning products, and most shoppers said buy now, pay later could replace their traditional payment method (like in credit cards).

Major retailers like Target, Walmart and Amazon are offering buy now, pay later for online and in-store customers.

Inflation costs the typical American household $311 more per month.

And if you know anything about budgeting – domestic or otherwise, “extra” is rarely a welcome budget item – especially if it seems to be semi-permanent.

To put it mildly, when people start buying household goods like groceries on credit, it signals a gap that is only getting wider.

Buyers only use buy now, pay later if they don’t have the cash now.

The control hypothesis is that they will get the money later.

Two-thirds of buy now, pay later borrowers are considered subprime, which means they are particularly vulnerable to economic shocks or any downturn.

And like the notorious subprime mortgages of 2008-09, those piled up grocery bills pile up and pile up and eventually get paid – or not paid.

These bills typically carry penalties for late – or non-payment – ​​and 42% of consumers who took out a buy now, pay later loan made an additional late payment on one of these loans.

These fees cost money and could have a permanent impact on your credit rating.

You may have to pay for that pair of shoes or that bag of groceries for several months.

And the next and the next…

Financial literacy?

According to a recent survey, about 50% of us are considered “financially illiterate”.

It just means we barely understand the basics of money – or, like most of us in traditional written literacy, we know the basics and assume we know the underlying dynamics that make that everything works – or does not work – in our favor.

Financial reversals and unexpected difficulties – or rewards – can arise in front of each of us.

And, like in bad weather, the best protection is preparation.

Any type of debt, especially easily avoidable debt like consumer debt, is negative preparation, it sets the stage for financial disaster, as a trickle of small debt turns into a stream and then a crushing flood that washes over you. sweeps – and your intentions – definitely out of reach.

Negotiating recession (or inflation) and navigating the various twists and turns of an economy is best understood – or at least most unforgettably rooted – when encountered directly.

On one level, understanding finances is like understanding one of life’s other mysteries – from love to health to contentment.

As the old saying goes; life may be the best teacher, but it kills all of its students.

A disastrous economic encounter may not kill you, but you will never forget it.

If you’ve ever had a chance to talk to someone who survived the Great Depression, or even read stories, the common theme was that in those most difficult times, most people had “nothing “.

We might have cars, clothes, heat, and even adequate food, but for most of us having “nothing” would be a big improvement.

My parents, for example, never had a payment for the house – they paid cash for the essentials and then worked on their house with every paycheck.

Most people I know may be living well, but have mortgages, car loans, and consumer debt that would terrify previous generations.

Getting “down to zero” would be a major achievement for most of us.

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What credit rating do you need for a home equity loan? https://we-are-africa.org/what-credit-rating-do-you-need-for-a-home-equity-loan/ Thu, 16 Jun 2022 21:34:24 +0000 https://we-are-africa.org/what-credit-rating-do-you-need-for-a-home-equity-loan/ If you are a homeowner, you have a valuable asset: the equity in your property. But while you may have easily qualified for your original mortgage, you’ll still need to prove your creditworthiness if you want a home equity loan. This means that your credit score is one of the deciding factors between approval and […]]]>

If you are a homeowner, you have a valuable asset: the equity in your property. But while you may have easily qualified for your original mortgage, you’ll still need to prove your creditworthiness if you want a home equity loan. This means that your credit score is one of the deciding factors between approval and denial.

Key points to remember

  • Home equity loans allow homeowners to borrow money against their equity.
  • Lenders generally want a credit score of at least 700.
  • Interest rates are better for borrowers who have higher credit scores.

What is a home equity loan?

As the name suggests, a home equity loan is a loan secured by the equity you have accumulated in your home. With every payment you make on your mortgage, you increase equity, which is the difference between the amount you owe and the value of the home. If your home goes up in value, it also adds to your net worth. Home equity loans are often called second mortgages.

When you apply for a home equity loan, the lender will assess your creditworthiness based on several factors, including:

  • Employment history
  • Revenue
  • Credit score

What is a credit score?

While each of these factors is important, your credit score is perhaps the easiest for lenders to quantify. Most lenders use your FICO score and pull your credit report from at least one of the three major reporting agencies, Equifax, Experian or TransUnion.

Your credit score is calculated based on five elements:

  1. Your payment history: 35%
  2. The amount you owe on all accounts: 30%
  3. Length of your credit history: 15%
  4. Credit mix, such as retail accounts, car loans, mortgages and credit cards: 10%
  5. New credit: 10%

Lenders assume that if your credit score is high enough, you are used to paying on time and being responsible for your money.

Important

If your credit score is less than desirable, you can fix it yourself. Some companies offer to “fix” your credit for a fee, but they don’t do anything you can’t do: call creditors, remove erroneous information from your credit reports, etc. Save money and consider ways to improve your credit on your own.

What credit score do you need?

Credit scores are generally categorized into five levels:

  • 300-579: Poor
  • 580-669: Just
  • 670-739: Good
  • 740-799: Very good
  • 800-850: excellent

Most lenders are looking for a credit score at least in the good range to approve a home equity loan, with a goal of 700. However, the higher your credit score, the lower the interest rate you may qualify for. So being diligent with your financial life can pay dividends when you’re interested in borrowing.

If your credit score is below 700, all is not lost. Some lenders will take a deeper look at your creditworthiness, analyzing other factors, such as your debt-to-equity ratio. If your score is very low, you can take steps to try to raise it before applying for a home equity loan.

How to increase your credit score

The first step to increasing your credit score is to review your credit reports to determine what is causing it to drop. You can access your credit reports from each of the three credit reporting agencies for free once a year via the official website AnnualCreditReport.com. If you find fraudulent accounts or debts that have been paid but not settled, contact the reporting agency to investigate.

Since much of your credit score is based on your payment history, paying your credit cards, car loan, or first mortgage on time can help boost it. If you’re behind on bills, catch up. Having all your checking accounts in good standing shows lenders that you are paying your bills on time and consistently.

Another way to increase your score is to pay off high balance accounts. You decrease your credit utilization ratio by paying them off, which shows that you have more credit available to you and that you are not, for example, maxing out on your credit cards. Another way to reduce your credit usage is to request a line of credit increase. The more space you put between your debt and your credit limit, the better. The ideal credit utilization is less than 30%.

How long does it take to repair your credit score?

There’s no magic bullet for bad credit, but once you start taking steps to improve your score, it can happen over a period of months. Bad marks on your credit report, such as accounts receivable, late payments, or bankruptcies, stay on your report for seven to 10 years.

Does a bad credit score automatically disqualify you for a home equity loan?

Not necessarily. Although a score in the poor range will likely disqualify you, some lenders will consider other factors in addition to your credit score if it is on the lower end of the Good or High scale. However, if you are approved, you probably won’t have as attractive an interest rate as you would with a better score.

If you qualify for your first mortgage, will you qualify for a home equity loan?

Home equity lenders will make their decisions based on your current creditworthiness. So if you’ve continued to maintain a strong credit history since you took out your original mortgage, you might be doing well. However, if you’ve had a more patchy record since then, you might run into trouble.

The essential

Good credit opens many doors, especially in the world of credit. If you want to leverage the equity in your home for a cash loan, you’ll need good credit. If you want a better interest rate on this loan, you’ll need excellent credit. Before applying for a home equity loan, pull out your credit reports and see where you stand.

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5 Best Fast Loans and Fast Cash Loans Online for Bad Credit and Payday in 2022 https://we-are-africa.org/5-best-fast-loans-and-fast-cash-loans-online-for-bad-credit-and-payday-in-2022/ Wed, 15 Jun 2022 07:25:00 +0000 https://we-are-africa.org/5-best-fast-loans-and-fast-cash-loans-online-for-bad-credit-and-payday-in-2022/ Quick loans save your life when you are in financial trouble. Millions of Americans have used quick cash loans at one time or another. So whether you’re short on cash because you just shelled out hundreds for a home repair, or maybe you bought an expensive birthday present, or covered an emergency expense, loans in […]]]>


Quick loans save your life when you are in financial trouble. Millions of Americans have used quick cash loans at one time or another. So whether you’re short on cash because you just shelled out hundreds for a home repair, or maybe you bought an expensive birthday present, or covered an emergency expense, loans in Quick lines will allow you to get a cash advance to live comfortably until your next payday. Here are the top five fast loan providers and what makes them a viable choice.

Best Quick Loans 2022 – Quick Overview

  • Viva Payday Loans – Best fast payday loans overall for fast disbursement
  • Heart Paydays – Best for fast bad credit loans
  • Credit Clock – Great for fast online loans and easy loan approvals
  • Money Lender Squad – Ideal for quick online application
  • Very Merry Loans – Ideal for small loans that are repaid the same day

General Eligibility Criteria for Quick Loans

If you want to benefit from fast loans online, you must meet the following criteria:

  • at least 18 years old
  • Permanent address in the United States
  • Earn at least $800 per month
  • Don’t be over-indebted
  • Have a bank account

5 Best Quick Payday Loans

If you’re looking for fast loans online, here’s a quick rundown of everything you need to know about the best online fast loan providers in the United States.

1. Viva Payday Loans – Best Quick Payday Loans Overall for Fast Disbursement

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Advantages

  • Disbursement within 60 minutes of approval
  • Get up to $5,000
  • Repayments over 2 to 24 months

The inconvenients

  • Not available in some states

Viva Payday Loans is one of the best quick and easy loans with access to lenders that get the job done. There is no waiting when using Viva payday loans. Once a loan is approved by a lender, the money is credited to your bank account as quickly as possible. It is not uncommon for borrowers to get the money in their bank account within an hour, subject to lender approval. Although interest rates can be high, some lenders are reducing their rates to stay competitive. For this reason, interest can vary from 5.99% to 35.99% for fast payday loans online. To be a successful candidate, you must be 18 or older, have permanent residence in the United States, hold a permanent job, and earn enough income to cover the cost of the loan payments as well as your other monthly expenses.

Click here to request funds from Viva Payday Loans >

2. Heart Paydays – Best for fast bad credit loans

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Advantages

  • Affordable monthly payments
  • Low FICO scores are welcome to apply
  • Application return guaranteed in 2 minutes

The inconvenients

  • Approval times can take longer than one business day in some cases

Heart Paydays does not discriminate against borrowers, even those who do not have a bad credit history or those who are specifically looking for fast loans for bad credit. When you use this loan search service, you will have the advantage of being connected to the lenders most likely to help you, even if your credit score is low. Of course, affordability checks are in place to ensure borrowers can afford the loans they apply for. Fast loans through the Heart Paydays portal come with an APR of 5.99% to 35.99% and sizes ranging from $100 to $5,000. If you earn at least $1,000 per month, have permanent residence in the United States, and are at least 18 years old, you can apply today.

Click here to request funds from Heart Paydays >


3. Credit Clock – Best for quick online loans and easy loan approvals

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Advantages

  • 100% easy loan search service
  • Super-fast online application
  • Quick disbursement

The inconvenients

  • Interest rates can reach 35.99%

Credit Clock connects borrowers with lenders who offer affordable and fast loans in the United States. As a reputable loan finder, Credit Clock presents borrowers looking for quick payday loans with viable loans ranging from $100 to $5,000 with 2 to 24 months to pay off. If you earn $1,000 per month, have a valid ID, are at least 18 years old, and are a permanent resident of the United States, you are eligible for fast payday loans online through CreditClock!

4. Money Lender Squad – Best for Quick Online Application

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Advantages

  • The online application takes a few minutes
  • Get up to $5,000 in your account today
  • Panel of lenders to choose from

The inconvenients

  • Not all requests are approved

Money Lender Squad is a great alternative if you’re tired of the bureaucracy often associated with traditional bank loans. This loan search site helps borrowers select the best fast loans online by applying just once. The online system is geared towards ultimate simplicity. All you have to do is enter the amount you want to borrow and the expected repayment term. Next, provide your contact details (name, ID, address, employment details, bank account, and a list of your monthly expenses), and the best quick cash loan options will be presented to you within minutes.

5. Very Cheerful Loans – Ideal for small loans that are repaid on the same day

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Advantages

  • Easy loan terms
  • Apply online in 2 minutes
  • Withdraw money the same day

The inconvenients

  • Small loans up to $2,000 only

If you’re not looking for bad credit fast loans, the fast loans available through Very Merry Loans are ideal. These loan packages are deliberately small to ensure easy repayment so you won’t find fast online payday loans over $2,000 here. APRs are between 5.99% and 35.99%. Best of all, the lenders Very Merry Loans puts you in touch with are used to repaying loans the same day they are approved.

What is a fast payday loan?

Quick payday loans are often quick loans for borrowers with bad credit or people who don’t have time to wait through lengthy bank processes to get the money they need. These loans operate on a basic loan model. The borrower requests funds and indicates the repayment period that would suit them best. The lender offering instant or fast cash loans will present an offer, detailing the amount of interest (usually between 5.99% and 35.99% depending on the state) and the terms of the loan. If the borrower agrees to the terms, the loan agreement must be signed and the lender, usually the same day, transfers the funds to the borrower’s bank account.

FAQs

Can I get an instant loan in 5 minutes

If you are looking for the best fast same day loans in the USA, you might want to try the options mentioned above. All of these loan matching services have application processes that only take two minutes. If your loan is approved by a lender, payments usually occur the same day.

Can I get a quick loan with a 550 credit score?

Credit scores of 550 are significantly lower than the average credit score. If your financial situation has changed and you are now able to afford your monthly expenses plus a loan installment, you may still be a viable candidate for fast payday loans.


Can you get a loan with no payment history?


If you have no credit history to speak of, you are still eligible for fast cash loans online. Although a credit check will be carried out, it will not be the only deciding factor in the outcome of your loan.

Disclaimer – The above content is not editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not necessarily warrant, guarantee or endorse any content. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan.
This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

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How to Calculate the Debt-to-Income Ratio https://we-are-africa.org/how-to-calculate-the-debt-to-income-ratio/ Mon, 13 Jun 2022 17:04:48 +0000 https://we-are-africa.org/how-to-calculate-the-debt-to-income-ratio/ Your debt-to-income ratio (DTI) is an important part of your financial situation, and lenders usually take it into account when reviewing loan applications. Your DTI is calculated by dividing your total monthly debt payments by your gross monthly income. The resulting percentage tells lenders whether you are likely to be able to repay the additional […]]]>

Your debt-to-income ratio (DTI) is an important part of your financial situation, and lenders usually take it into account when reviewing loan applications.

Your DTI is calculated by dividing your total monthly debt payments by your gross monthly income. The resulting percentage tells lenders whether you are likely to be able to repay the additional loan you are requesting.

As a general rule, many lenders require borrowers to have a DTI of 40% or less. However, individual lenders set their own requirements and some lenders will accept applicants with higher DTIs.

Before applying for a personal loan, it’s important to calculate your debt-to-equity ratio so you know where you stand and what you might qualify for.

Debt-to-income ratio statistics

While average household income has increased significantly over the years, average household debt has grown faster. Especially now, with inflation on the rise and people paying more for basic necessities like food, rent and gas, many are going deeper into debt.

Debt-to-income ratio statistics

  • The average American has $90,460 in debt, including all types of consumer debt.
  • The median household income in the United States was $79,900 in the first quarter of 2021.
  • The average US household debt was $145,000.
  • Personal lenders generally look for a debt to income ratio of 40% or less when reviewing applications.

What is the debt to income ratio?

Your debt to income ratio is simply your total monthly debt divided by your total monthly income.

The lower your DTI ratio, the better your chances of qualifying for another loan. To calculate your DTI, add up all your monthly debt payments and divide by your gross monthly income. Your gross monthly income is the money you earned in a month before taxes and other deductions are taken.

For example, a borrower with a monthly mortgage payment of $900, a monthly car payment of $400, a minimum credit card payment of $100, and a gross monthly income of $4,000 would have a debt-to-equity ratio of 35%.

Examples of debts that would be calculated in your DTI include mortgages or lease payments, car loans, credit cards, personal loans, home equity loans, student loans, child support, etc. Your DTI ratio does not include monthly utilities, car insurance costs, cable bills, cell phone bills, health insurance costs, or groceries/food.

The higher your debt-to-equity ratio, the more debt you have and the less likely you are to qualify for additional loans.

DTI calculator.

What is a good DTI ratio?

Although each lender has their own debt-to-equity requirements, it’s harder to qualify for loans if you have a debt-to-equity ratio of 43% or higher. A good debt-to-income ratio is usually below 36%. Having a good debt ratio makes it easier for you to qualify for mortgages, home loans, auto loans, and personal loans. It is also likely to qualify you for better interest rates.

Data from the Federal Reserve indicates that total household debt in the United States increased by $266 billion in the first quarter of 2022. Despite this, the rate of transition from debt to delinquency remained historically low. This means that even though people are taking on more debt, they are generally repaying their creditors. Nevertheless, this increase in overall debt indicates that many Americans are likely struggling with a high debt-to-income ratio.

There are several things you can do to improve your debt-to-income ratio. Here are some strategies that might help you improve your DTI ratio:

  • Repay existing debt: If you are financially able to do so, increasing your monthly payments will decrease your overall debt more quickly and improve your DTI. For example, if you’re only making the minimum payments on a credit card or personal loan, consider paying a little more per month to reduce your debt faster.
  • Postpone large purchases: If your debt-to-income ratio is higher than you would like, you may want to consider pausing the use of your available credit to make large purchases or apply for additional loans.
  • Create and stick to a budget: Having a personal monthly budget is a great way to reduce your overall expenses so you can increase monthly debt payments and get out of debt faster. To start, it’s a good idea to track your spending habits and make a list of necessary expenses.
  • Regularly check your DTI ratio: Your DTI ratio changes as you repay and/or incur debt. Try recalculating your DTI every month to track your progress.

If you’re struggling to manage your debt, it may be a good idea to consider options such as credit counseling, debt consolidation, and debt relief. Although there are lenders who cater to borrowers with bad credit and high debt-to-equity ratios, it’s worth considering whether or not it’s possible to take out a new loan if you’re already in debt. Unless you need emergency financing, you should work to pay off your current debt before taking on more.

There is the possibility of consolidating your debts with a debt consolidation loan. Although unsecured debt consolidation loans tend to have stricter DTI requirements than other loans, it’s a great option if you can apply with a co-signer. You can also consider a credit card balance transfer to consolidate your debt. Many credit card lenders offer low-to-no interest introductory periods for borrowers who transfer their card balance. Consolidating all your debts into one monthly payment and lowering your interest rate is likely to lower your DTI.

The bottom line

Your debt-to-equity ratio, along with your credit score, is the primary method a lender uses to assess your creditworthiness and ability to repay a loan. It is extremely important to prove reliability to lenders when applying for unsecured loans. Not only does your DTI impact your ability to qualify for a loan, it also impacts the interest rate you will qualify for. If you’re looking to take out a home improvement loan, for example, it’s important to know your DTI ratio to determine what you’ll qualify for and whether or not you can afford the new loan.

If your debt ratio is preventing you from making financial moves, consider reducing it to improve your overall financial health.

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How to Get the Best Truck Repair Loans https://we-are-africa.org/how-to-get-the-best-truck-repair-loans/ Fri, 10 Jun 2022 20:06:54 +0000 https://we-are-africa.org/how-to-get-the-best-truck-repair-loans/ Owning and driving a tractor-trailer can be an expensive business. Beyond the money needed to buy the truck itself, there are also repairs, which can be very expensive. If you run a trucking business, repair costs can add up quickly. Fortunately, there are several financing options for tractor-trailer owners who need help paying for truck […]]]>

Owning and driving a tractor-trailer can be an expensive business. Beyond the money needed to buy the truck itself, there are also repairs, which can be very expensive. If you run a trucking business, repair costs can add up quickly. Fortunately, there are several financing options for tractor-trailer owners who need help paying for truck repairs.

Read on to find out how to get the best tractor-trailer repair loans for your needs.

Common Reasons Owner-Operators and Professional Truckers Need Truck Repair Financing

Commercial trucks tend to see heavy use during the week, driving thousands of miles for a variety of purposes. But high mileage is a good indicator of common breakdowns and repair needs in all automobiles. Regular and ongoing maintenance is essential to ensure your trailer or commercial fleet is safe on the road and running smoothly. But even with regular tune-ups, commercial trucks can start to show costly signs of wear.

Some of the most common reasons commercial truckers and owner-operators need financing are these costly repairs:

  • Brakes — brake overheating and wear are one of the leading causes of accidents with semi-trailers. Maintaining brakes and repairing them is an important step in keeping trucks safe, but the costs can add up.
  • Motor overheating — again, high mileage and long haul means your commercial truck’s engine has plenty of opportunity to overheat, which can lead to costly repairs.
  • Hall — Starters can cause major problems for drivers and should be tested often, especially during colder months.
  • Universal joints – because they transfer transmission power to the differential, universal joints carry a heavy load and must be properly lubricated. Drivers should be aware of rattles or vibrations while driving, as these can be signs of a failing U-joint.
  • wheel bearings — these important components keep the truck’s wheels moving, and if the driver notices noise coming from the wheel arches or jerky movements while driving, it’s a sure sign that they need to have the wheel bearings checked.

Benefits of Getting a Truck Repair Loan

Getting small business loans or financing for your truck repair can provide you with a number of benefits beyond the ability to pay for your repairs quickly. You can also open up cash flow for other business expenses or increase your working capital to help grow your trucking business. Repaying a small business loan can also help you build credit for your business, which can help you in the future if you want to get more financing or grow your business further through equipment leasing or to other options. It can also help you get better rates and repayment terms if you decide to refinance.

Types of Truck Repair Financing

There are several types of truck repair financing. Finding the right option for your business is important. Some common types of truck repair loans include:

Truck Repair Equipment Financing

Many trucking companies will use equipment financing to help pay for repairs to their fleets. Equipment financing tends to be a short-term loan to cover the cost of repairs. There are many lenders online that offer equipment loans, which can simplify the application process. Many truck rental companies also offer equipment financing to truckers, but use the truck as collateral.

Business line of credit for truck repairs

Unlike a traditional loan, a business line of credit lets you borrow only what you need and pay interest on it. Plus, each time you pay it back, you tend to use the credit again. It is a good option for those in the trucking industry who have a fleet of trucks to manage and often have expensive repairs.

Professional credit card for auto repair

Business credit cards can be a good option for truckers and trucking companies who need to pay for repairs and want to earn points or rewards by doing so. It’s important to find a credit card with an annual percentage rate (APR) that fits your budget, but often the approval process for a credit card is less stringent than other financing options.

Title loans for truck repair

If you don’t have good credit and need auto repair financing now, a title loan is an option you can consider. In this type of financing, your truck would be used as collateral, so the risk is that if you cannot repay your loan, the lender will take your truck. These loans also tend to have high interest rates.

Personal loans for truck repair

If you are an owner-operator, you may consider a personal loan to cover your semi-trailer financing needs. Personal borrowers can get attractive interest rates and repayment terms, especially with good credit, but you may not be able to get as much money from a personal loan as commercial truck loans could. give some.

Capital loan for the repair of semi-trailers

A capital loan is like other business loans, but can only be used to improve a property. If you are a truck driver or a truck fleet owner, this means you could use the capital loan to repair your truck or trucks, but not for operating expenses.

How to select the best loans for your needs

Getting the best truck repair loan depends on several factors. It’s worth researching your loan options to find the right lender for your commercial vehicle repairs.

Here are some things to consider when researching your loan options:

  • Your credit score — your professional and personal credit ratings will affect the types of financing you qualify for, from which lenders and for how much. Although bad credit doesn’t mean you can’t get a loan or other financing, it can affect your interest rates and repayment terms. Knowing how to establish business credit can help you secure better terms for any loan you may need for your business.
  • Your credit history — how long you have been in business or how long you have accumulated credit can affect your ability to qualify for loans or credit.
  • Amount of the loan – how much do you need? How much can you claim? And how much can you afford to pay per month?
  • Advance payment — some lenders require money upfront to reduce their risk in lending to you. It’s a good idea to know how much you can afford and what you’re willing to pay.
  • Interest rate — your credit score will affect your interest rate, but it can vary depending on the type of small business loan you get as well as the lender you choose, so keep that in mind.
  • Repayment Terms – like interest rates, this will depend on your qualifications, but shorter repayment terms may mean higher monthly payments, while longer repayment terms may mean higher interest rates. Also, some lenders may penalize you for paying off a loan early, which you should consider before signing.

Many truckers and trucking company owners don’t think they can qualify for financing due to bad credit or other issues. While it’s true that your credit score can seriously affect your ability to qualify for a loan or other financing, it’s not a definitive barrier to entry. But this can make the terms of the loan less desirable for you, so it is important to check all the requirements before accepting financing.

Get matched with the best truck repair loans for your needs

Knowing which loans you qualify for can help save time on the application process upfront and reduce hassle in the long run. Nav provides small business owners with personalized financing recommendations based on your professional and personal credit scores, credit history, annual income, and a number of other factors. In fact, business owners who use Nav are 3.5 times more likely to be approved for the financing they apply for. Register today to see your options.

This article was originally written on June 10, 2022.

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]]> Gen Z and millennials have the hardest time affording car loans https://we-are-africa.org/gen-z-and-millennials-have-the-hardest-time-affording-car-loans/ Wed, 08 Jun 2022 19:45:11 +0000 https://we-are-africa.org/gen-z-and-millennials-have-the-hardest-time-affording-car-loans/ Millennials and Gen Z auto loan default article highlights: Gen Z and Millennial auto loan holders have higher default rates than the national average Higher default rates could be related to the wealth gap and/or poor credit history which causes them to borrow at high interest rates There are ways to avoid defaulting on your […]]]>

Millennials and Gen Z auto loan default article highlights:

  • Gen Z and Millennial auto loan holders have higher default rates than the national average
  • Higher default rates could be related to the wealth gap and/or poor credit history which causes them to borrow at high interest rates
  • There are ways to avoid defaulting on your car loan and even get your car back if the financial institution repossesses it.

Let’s face it: without financing, that is, without loans, most of us could not afford to buy cars. This was the case even before the prices of new and used vehicles skyrocketed. But even though just getting a loan is stressful enough, it’s nothing compared to paying it back. And that’s assuming you can repay it at all. To some, that sounds like a reasonable assumption. Yet, according to a new report, this is not a given for many Gen Z and Millennial auto loan holders, as they are defaulting en masse.

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Small Business Restaurant Improvement Loans https://we-are-africa.org/small-business-restaurant-improvement-loans/ Mon, 06 Jun 2022 22:32:31 +0000 https://we-are-africa.org/small-business-restaurant-improvement-loans/ If you’re a business owner in the restaurant industry, you understand the importance of keeping your restaurant up to date to be successful. Whether you’re opening a new restaurant, establishing a new location, or renovating an existing restaurant, a restaurant improvement loan and other financing options can help. Some financing options include: Traditional bank loans […]]]>

If you’re a business owner in the restaurant industry, you understand the importance of keeping your restaurant up to date to be successful. Whether you’re opening a new restaurant, establishing a new location, or renovating an existing restaurant, a restaurant improvement loan and other financing options can help.

Some financing options include:

  • Traditional bank loans
  • Business line of credit
  • Equipment loans
  • Commercial real estate loans
  • Merchant Cash Advance
  • Small Business Administration (SBA) Loans

This article explains your financing options and how they can help your restaurant business.

Why would someone need a restaurant improvement loan?

As restaurateurs, keeping your restaurant open and profitable is the most important thing. So it is good to understand why you would need a restaurant improvement loan for your business. Here are four reasons:

1. Buy inventory

A restaurant improvement loan can help you avoid breaking the bank on everything from bar stools, tables and chairs to other must-have restaurant equipment. With a loan, small business owners can focus on creating the best environment for their customers that matches their business needs. Also, inventory can extend to kitchen equipment like ovens, food prep counters, or food processors, which are very expensive and you don’t want to pay for with your personal funds or put on your score. personal credit.

2. Renovations

Another reason you might need a restaurant improvement loan is to renovate your restaurant. Renovations may include:

  • Installation of new flooring
  • Updated seat cabins
  • Bathroom upgrades
  • Installation of new light fixtures
  • Paint the interior and exterior

There are many reasons why you would want to renovate and keep your restaurant up to date, especially in a social media generation where people value aesthetics. A restaurant improvement loan can bring you much closer to your goal of having a restaurant with rave reviews.

3. Implement new technologies

Technology is constantly changing, so whether you need an updated point-of-sale (POS) system or you’re infusing your restaurant business with mobile technology and online ordering, you may need funds. additional. Brick-and-mortar businesses are constantly changing the way they serve their customers, so finding a lender who can provide you with the financing to scale your restaurant can help you scale.

4. Marketing and advertising

Restaurant improvements can also include how you get the message across to your customers. Marketing and advertising are key tools for retaining repeat customers, attracting new ones, and keeping your business profitable. However, marketing and advertising online or elsewhere can be quite expensive and having funding options that increase cash flow can help you acquire the right amount of marketing needed to keep your business running.

Types of Catering Business Loans

These types of restaurant business loans are the ones you should consider:

Equipment loans

Equipment financing is specifically designed to get you the new or updated equipment your restaurant business needs. You have the option of securing the necessary financing to purchase or lease the equipment. Alternatively, you may decide to pursue a sale and leaseback agreement, in which you sell the equipment to a lender in exchange for cash and then lease the equipment from the lender. You have the option of returning the equipment at the end of the term or purchasing it from the lender.

Working capital loans

A working capital loan is money you borrow for the day-to-day running of your business. Working capital loans pay for a business’s short-term needs and expenses instead of investments or assets that will be held longer. This is a small business loan that could come in handy if your business finds itself in a difficult financial situation. Rather than long-term investments, short-term financial goals are the main focus of this type of business financing.

Merchant Cash Advance

Compared to other forms of financing, such as conventional bank loans, merchant cash advances offer a unique opportunity for small businesses. Business owners get financing in the form of an upfront lump sum from a merchant cash advance provider. The owners then repay the advance using a percentage of the business’s future sales. An MCA can be an alternative for businesses that have a high number of credit card sales, are in dire need of capital, or don’t qualify for a conventional loan.

Bank loans

Other financing choices, such as credit cards, payday loans, or short-term loans from internet lenders, often carry higher interest rates than those offered by traditional bank loans. Also, if the lender discloses payments made to commercial credit bureaus, you can improve your business’ creditworthiness if you make your payments on time.

When you have questions about your loan or other financial products that could benefit your business, you can speak to a professional banker or loan officer located at a local branch of many banks for assistance. . This service is offered by many banks.

When to Apply for Restaurant Improvement Funding

Having a business plan can help you determine the longevity of your business growth, especially with financing. Knowing when to apply for restaurant improvement financing can have a positive effect on your working capital and can also help you buy equipment, do renovations, and more.

Here are important times in your business when you should consider applying for restaurant improvement financing:

  • Opening a new location
  • Low season
  • When your credit score is high
  • If you need more inventory
  • To afford additional equipment
  • Make essential renovations

Depending on the length of your business or your restaurant’s volume of business, this may dictate when you should apply for financing. In the end, needing it and not having the extra funds is worse than having it and being ready to make the changes necessary for your business to grow and succeed.

How to Improve Your Chances of Funding Approval

There are many facets to improving your chances of being approved for funding, but it is absolutely essential and doable. Whether you are a new business or have bad credit, you always have options. Here are ways to improve your chances of getting your seed funding approved:

  • Build your business credit score. When seeking financing for any loan amount, it is good to have established credit for your business. As a borrower, you don’t want to run the risk of sacrificing your personal credit, so establishing an EIN against a social security number will help your application process strictly through your business name. Nav offers a tool here to better understand your business credit score.
  • Increase your income. One of the best ways for lenders to ensure that you have the ability to repay a loan is to show your financial statements. With lower incomes, you may benefit from loan options with higher interest rates or only short-term loans requiring faster repayment terms.
  • Bring in a co-signer. Depending on the type of loan, if your credit isn’t the best, bringing in a trusted co-signer who has better credit and income can also improve your chances of approval. A co-signer on your loan application could also be someone related to your restaurant business, as they will have the same responsibility for repaying the loan.

Best Loans for Restaurant Improvements

If you’ve already started your search for a loan, you know that there are a seemingly endless number of lines of credit and small business loans available from banks and online lenders. Since new businesses are perceived to have a higher level of risk, the opportunities available to them will be more restricted. However, check out the loan deals Nav has for all small businesses.

Ultimately, whatever loan products, small business loans, or other type of financing you choose for your restaurant business, Nav is here to help. With Nav’s resources and loan matching tool, you can receive the business financing that best suits your business needs. From how to establish business credit to offering a comprehensive list of business credit cards to ensure you get the best restaurant financing options, the choice is yours.

This article was originally written on June 6, 2022.

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How bad is a credit score of 600? https://we-are-africa.org/how-bad-is-a-credit-score-of-600/ Fri, 03 Jun 2022 04:52:07 +0000 https://we-are-africa.org/how-bad-is-a-credit-score-of-600/ Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners. Your credit score can determine your ability to achieve many of your financial goals, whether it’s […]]]>

Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

Your credit score can determine your ability to achieve many of your financial goals, whether it’s buying a home or adding a new credit card to fund your move. Lenders, financial institutions and banks use these three-digit numbers to gauge the likelihood that borrowers will be able to repay their loans.

Three credit bureaus — Experian, Equifax and Trans Union — collect information about your credit accounts, such as your payment history, credit limit, balances and bankruptcies, and then use this information to calculate a credit score. There are two types of credit scoring models: FICO® Score and VantageScore.

FICO® scores, which are more commonly used, range from 300 to 850. Generally, the higher your score, the better credit cards, mortgages and loans you can qualify for.

Below, Select looks at what it means to have a credit score of 600 and the types of credit cards you might qualify for.

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What does it mean to have a credit score of 600?

According FICO® score15.5% of the population has a credit score below 600, while the average credit score sits at 716. Having a credit score of 600 puts you below the national average and in the “fair credit” category. “.

Subprime is the categorization used by lenders to denote the likelihood of a borrower defaulting or repaying their loan. Although the definition and range of a subprime credit score varies, generally a score of 600 will fall into this category because FICO® score considers borrowers with scores between 580 and 619 to have subprime credit.

FICO® Score Ranges:

  • Super bounty: 720 or more
  • First: 660-719
  • Quasi-Bounty: 620-659
  • Subprime: 580-619
  • Deep subprime: 580

Since subprime borrowers are considered riskier for lenders, they tend to have lower loan terms than prime borrowers. Subprime borrowers will typically have higher APRs on credit cards or higher interest rates on mortgages than their prime borrower counterparts, for example.

In other words, having a credit score of 600 can limit your ability to get mortgages, personal loans, and credit cards on favorable terms.

What types of credit cards can you get with a credit score of 600?

Discover it® Secure credit card

On Discover’s secure site

  • Awards

    Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, automatically earn unlimited 1% cash back on all other purchases.

  • welcome bonus

    Discover will match any Cash Back you have earned at the end of your first year

  • Annual subscription

  • Introduction AVR

  • Regular APR

  • Balance Transfer Fee

    3% initial balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fees

  • Credit needed

Another choice for people with fair credit scores is the Visa® Petal® 2 “Cash Back, No Fees” credit card, which does not require a security deposit and offers lines of credit ranging from $300 to $10 $000 depending on creditworthiness of cardholder. WebBank, the FDIC member bank that issues the card, may also review the factors behind your credit score, such as your bank statements, during the approval process.

The Petal 2 offers 1% cash back on qualifying purchases immediately and up to 1.5% cash back on qualifying purchases after making 12 monthly payments on time.

Two other cards you may qualify for with a credit score of 600 are the Capital One QuicksilverOne Cash Rewards Credit Card and the Capital One Platinum Credit Card. Although both cards offer minimal rewards, with neither offering a welcome bonus, the QuicksilverOne Cash Rewards Credit Card offers cardholders a 1.5% cashback on all qualifying purchases, although there are an annual fee of $39. The Capital One Platinum credit card, on the other hand, does not offer any rewards but does not have an annual fee.

Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards credit card information was independently collected by Select and was not reviewed or provided by the card issuer prior to publication.

  • Awards

    Unlimited 1.5% cash back on every purchase

  • welcome bonus

  • Annual subscription

  • Introduction AVR

  • Regular APR

  • Balance Transfer Fee

  • Foreign transaction fees

  • Credit needed

Capital One Platinum Credit Card

Capital One Platinum credit card information was independently collected by Select and was not reviewed or provided by the card issuer prior to publication.

  • Awards

  • welcome bonus

  • Annual subscription

  • Introduction AVR

  • Regular APR

  • Balance Transfer Fee

  • Foreign transaction fees

  • Credit needed

Advantages

  • No annual fee
  • No fees charged on purchases made outside the United States
  • Travel benefits, such as travel accident insurance, collision damage waiver for rental vehicles, and roadside assistance
  • Access a higher credit limit after making your first five monthly payments on time

The inconvenients

  • Variable APR of 26.99%
  • No rewards program

How to quickly raise your credit score

Experian Boost™

On Experian’s secure site

  • Cost

  • Average increase in credit score

    13 points, although results vary

  • Affected credit report

  • Credit score model used

*Results may vary. Some may not see an improvement in scores or approval ratings. Not all lenders use Experian credit reports, and not all lenders use scores impacted by Experian Boost.

Visa Petal 2 credit card issued by WebBank, Member FDIC.

For Discover it® secure credit card rates and fees, click here.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

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5 Ways to Recession-Proof Your Business Right Now https://we-are-africa.org/5-ways-to-recession-proof-your-business-right-now/ Wed, 01 Jun 2022 00:46:12 +0000 https://we-are-africa.org/5-ways-to-recession-proof-your-business-right-now/ If you’re worried about the potential impact of a recession on your small business, you’re not alone. Business owners are preparing for an economic downturn, not knowing when it might happen or how bad it might be. Eight in 10 small business owners believe the economy will enter a recession this year, according to The […]]]>

If you’re worried about the potential impact of a recession on your small business, you’re not alone. Business owners are preparing for an economic downturn, not knowing when it might happen or how bad it might be. Eight in 10 small business owners believe the economy will enter a recession this year, according to The CNBC|SurveyMonkey Small Business Index Q2 2022.

CEOs of large companies interviewed by The conference board were a little less pessimistic. Nearly 60% said they expect the United States to experience a very short and mild economic recession, while 11% predict a severe recession.

It’s impossible to predict when a downturn will occur or how long it will last, but one thing is certain: small business owners should take action now to prepare for potentially tough economic times ahead.

There are many ways entrepreneurs can prepare for the next recession, from cutting costs to diversifying product lines. Access to finance can help small businesses when cash flow is uncertain and can provide the financing needed if the business needs to pivot to provide the products or services that are in demand.

Here, we’ll focus on why and how to take advantage of funding opportunities to help your business navigate the year ahead.

1. Line up a line of credit

A line of credit is one of the most popular forms of financing used by small businesses, according to the Federal Reserve. Small Business Credit Survey. There’s a good reason for that. You borrow as much as you need (up to your credit limit) and only pay interest on the outstanding balance. Once you get a line of credit, you don’t have to fill out an application every time you need to borrow more money.

The best time to get a line of credit is before you need it. If your business is facing a cash crunch, it may be more difficult to qualify. Banks have the highest standards for lines of credit but offer the lowest interest rates, while online lenders are often more flexible on qualification requirements and can make credit decisions very quickly. .

If you do nothing else, make sure your business has access to a line of credit.

2. Financing growth

Although you may be tempted to cut costs, don’t ignore opportunities to grow your business. A Harvard Review Business Review Research Project, Coming out of the recessionfound that companies that have weathered recent recessions the best are striking the right balance between cutting costs and continuing to invest in growth.

“These companies are selectively cutting costs by focusing more on operational efficiency than their competitors, even as they invest relatively comprehensively in the future by spending on marketing, R&D and new assets.” Dubbed “progressive companies” by the authors, they “deploy the optimal combination of defense and attack”.

Now may be the time to leverage financing to invest in inventory, equipment, or even real estate to help your business serve more customers, even in tough times.

For larger projects, a term loan that can be repaid over months or years may be the best choice. Others may qualify for short-term financing options, including business cash advances.

3. Lock in at lower rates

The Federal Reserve has already raised the federal funds rate twice in 2022, and several more rate hikes are expected. Since business loan interest rates often follow this benchmark interest rate, it is likely that rates for many types of small business rates will increase.

Getting a loan now before interest rates rise can be crucial. Even if you get a loan with a variable rate that may increase in the future, you now qualify based on current rates. This may be more difficult to do as rates climb.

4. Save your cash

One of the realities of an economic downturn is that your customers may also pay more slowly. Slow payments are already a problem for many small businesses; According to a study by Box. In a recession, it will likely get worse.

If you have a B2B business (where you sell to other businesses) and offer payment terms to your customers, consider invoice factoring to speed up payments. Instead of waiting 30, 60, or 90 days for customers to pay, you’ll get funds within days. This type of short-term financing is often more flexible when it comes to credit. Make sure you understand the cost of invoice financing or factoring and how it affects your bottom line.

5. Refinance

If your business is in debt, you may be able to refinance or consolidate your debt with less expensive financing. A lower rate means more of your payment goes towards paying off the balance rather than interest or fees. And lower payments can free up cash flow to invest in other areas of your business or just to give your business a break. The ideal scenario is to refinance the debt with lower rates and payments, but sometimes you will have to choose between one or the other.

Again, rates will continue to rise this year. Allow a year: your future self may be happy that you secured financing at today’s rates.

Bonus Tip: Get a Business Credit Card

A business credit card helps you track your expenses and can save your business money through cash back or other benefits. They can also offer you a flexible, low-cost line of credit, especially when you take advantage of low rates, such as 0% introductory rates.

It’s currently a buyer’s market for credit cards, with many card issuers competing for your business. However, when the economy slows, card issuers often respond by tightening their eligibility criteria, and it can be harder to get the card your business needs or wants.

Nav can help you compare options to find the right credit card for your business.

This article was originally written on May 31, 2022.

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6 Genuine Ways to Get a Great Personal Loan https://we-are-africa.org/6-genuine-ways-to-get-a-great-personal-loan/ Thu, 26 May 2022 01:46:09 +0000 https://we-are-africa.org/6-genuine-ways-to-get-a-great-personal-loan/ 6 Genuine Ways to Get a Great Personal Loan One thing you need to know about personal loans is that there are good ones and bad ones. What distinguishes a good loan from a bad one is the interest rate and the level of difficulty in repaying the loan. Bad loans like payday loans and […]]]>

6 Genuine Ways to Get a Great Personal Loan

One thing you need to know about personal loans is that there are good ones and bad ones.

What distinguishes a good loan from a bad one is the interest rate and the level of difficulty in repaying the loan. Bad loans like payday loans and cash advances, while helpful for now, can be financially devastating in the long run. The interest rate for payday loans generally varies between 200%-500%, an exorbitant amount. While the interest rate for cash advances is 400%, so if you’re short on cash, don’t settle for just any loan.

Nevertheless, the right loan for you may simply be out of reach, but today we’ll give you the top 10 ways to get a great personal loan.

1. Make yourself a desirable borrower

Credit history, credit history, credit history. In terms of getting a personal loan, having good credit is probably the most valuable way to ensure you get the loan you need. So, before considering any loans, good or bad, make sure your credit history is in order. A FICO score 579 or less is generally considered bad credit and most lenders will be hesitant to offer you a loan. While, according to Experian, even a higher score of 580 to 669 will put you in a difficult situation with obtaining a loan.

However, there are ways to increase your score:

  • Pay your bills on time
  • Catch up on your overdue balances
  • Dispute anything that doesn’t appear on your credit report
  • Write a Goodwill letter

2. Improve your debt to income ratio

The DTI or debt-to-income ratio is a percentage that indicates the amount of a potential borrower’s income that is allocated to his or her debts. Lenders use this percentage to determine your ability to make monthly payments for the money you plan to borrow.

You can easily calculate this ratio by adding up your monthly debt. This can include bills, such as heating and electricity, as well as subscription services. Once you have calculated your debt, divide it by your gross salary or the amount you earn before taxes. For example, if you pay $900 for rent and $200 a month for heat, hydro, and internet, your monthly debt is $1,100. Now divide that by your gross monthly income, $2,500, and your DTI ratio is 44%.

Most qualified borrowers have DTI ratios below 43%it is therefore important to explore different avenues to reduce your monthly debt, such as reducing unnecessary recreational activities or finding more affordable alternatives to monthly subscription services.

3. Eliminate high-interest credit card debt

Speaking of ways to reduce your debt-to-income ratio, eliminating any debt associated with a 20% interest rate (APR), such as high-interest credit cards, should be your first thing to do when reducing your DTI ratio.

Best ways to get rid of this type of debt:

  • Transfer your debt to a 0% APR introductory credit card.
  • Apply your “play money” to your balance to reduce interest rates.
  • Double your payments to pay off your debt faster and avoid having to pay interest.

4. Increase your income

What many lenders do not disclose to borrowers is their income requirements. Lenders have these requirements to ensure that certain people can afford to repay their debt. Income requirements vary with each lending institution; however, on average, a good income is considered to be $$15,000 to $20,000 for the lowest loan amount.

If you’re trying to increase your income quickly, consider applying for jobs that offer tips – on average, waiters do $190 in tips per day and flexible hours jobs, so you can easily devote time to both of your employers.

Once you’ve found another job and earned a significant amount of money, gather the necessary documents to prove your income, such as monthly bank statements, tax returns, and pay stubs.

However, it’s also important to note that if you’re not making at least $15,000 a year, getting a personal loan can do you more harm than good, as you have to pay off monthly APR balances.

5. Consider putting guarantees in place

It’s not anyone’s first choice to put up a personal item for a personal loan, but if you don’t meet the other requirements, pledging valuables may be the best way to get a loan. , in particular a secured personal loan (collateral-backed loans). Therefore, if you fail to make the payments, your lender may repossess such items as your investment account, collectibles, and other valuables.

6. Consider alternatives

If you find yourself unable to obtain a personal loan through the usual route, consider other types of personal loans. For one thing, a personal loan isn’t a one-size-fits-all type of loan, so you’re not the only one going this route. Other types of personal loans to consider include:

Peer-to-peer lending: P2P loans are personal loans; however, these types of loans are guaranteed by individuals rather than loan companies and they offer more leniency than these companies.

Payday advance: A payday advance is a loan that borrowers get from their employer. Borrowers of this type of loan essentially withdraw funds from their future paychecks, without having to request funds from traditional lenders.

Financial support from family or friends: If you value your independence, it can be uncomfortable to ask others for help. But you must remember that your friends and family are there to support you and you will regain your independence.


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