When it comes to credit scores, 800 is the magic number. Rated as “exceptional” under the FICO scoring model, this near-perfect score demonstrates your ability to manage your debts. Contrary to popular belief, being financially responsible doesn’t mean being debt-free. In fact, members of the “800 Club” often have debts of over $150,000, surpassing the
When you’re in the early stages of establishing good financial standing and history, the burning question is, “How long does it take to build credit?” According to FICO, a widely used credit scoring model, you can establish a credit score within six months of having a reported payment history. It may seem ironic—needing a credit
Your credit score is not just a number; it’s your key to various financial products. Whether you have a fair credit score, typically ranging from 580 to 669, or an excellent one, falling between 800 to 850, it significantly impacts your financial choices. If you have fair credit, you may face challenges securing loans or
If you’re reading this, you might be feeling the financial strain of a title loan and wondering how to get out of it without losing your beloved car. And on top of that, you’re also probably worrying about your other debts—mortgage, student loans, and credit cards. Don’t worry, you’re not alone. The average American owes
The constant worry, high-interest rates, and the feeling of being trapped associated with dealing with debt can be overwhelming. It’s a situation that many of us have faced at some point in our lives. In fact, the average American has $21,800 in personal debt in 2023. If you’re finding it challenging to keep up with
Personal loans are undoubtedly beneficial and could help someone financially as long as it is used the right way. However, it could be a burden for some — a tool that would bury them deeper into debt instead of helping them out of a tight financial spot. This article will dive into what personal loans
If you make enough money in a year, you’ll need to file your income tax with the government. And if you paid the government too much in a given year, they give the amount back to you as a tax refund. It’s not a bonus from the government. It’s your money that you temporarily (and
Refinancing a personal loan or paying off an existing loan with a new one from the same lender, or a different company can go two ways. One is getting a lower interest rate and saving money overall. Another is refinancing to lower your monthly repayments, thus lengthening your loan term. Note that you will most
We’ve heard about refinancing car loans, and you may wonder if it’s possible with motorcycles, too. The answer is yes. Does it work the same way as when you refinance a car loan? The answer to that question is yes, too. Let’s go over the details, the how-to’s, and a list of things to consider
Loans are an excellent way of getting funds to help you in your quest to expand or enhance your business. You might think that since you are taking out a loan for your business that you are stuck with having to take out a business loan. Personal loans are also a popular choice for entrepreneurs
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Applying for a Personal Installment Loan with Payment 1 Financial is easy. Texas Loan Rates | Loan Amounts $2,500 – $10,000 | APR Range 35.99% – 27.58% * | Term Lengths 12 – 24 Months | Your terms may vary based on credit history, income, debts and collateral. If you borrowed $10,000 with a 27.58% APR and 24 month term, your payments would be $546.74 per month. The total cost of the loan with fees would be $13,121.69. This example is based on a standard customer with a 650-780 credit score.
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