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Can You Get Loans Without a Bank Account?

More than 5.9 million American households are unbanked. If you’re in a similar situation, you may be wondering whether you can get loans without a bank account. After all, for many traditional lenders, a borrower’s banking history is not only important—most of the time, it’s mandatory.  We’re here to provide clarity to your concerns, as …

A man adjusting the lugs on a car tire.

Understanding Auto Repair Financing: Options and Alternatives

When faced with unexpected car problems such as faulty brakes and suspension issues, auto repair financing can offer you a much-needed lifeline. Whether in the form of title loans, credit cards, or mechanic financing, these options spare you from making out-of-pocket payments, making unforeseen costs more manageable.  Let’s go over some car repair financing options …

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How Long Does It Take To Build Credit with a Personal Loan?

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 …

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How to Find the Best Personal Loans For Fair 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 …

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How To Get Out Of A Title Loan Without Losing Your Car

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 …

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Taking Out A Loan in Oklahoma: What Are Your Options?

Many low-income Oklahoma residents face financial challenges, making it difficult to cover unexpected expenses or bridge budget gaps. According to the 2022 Census Bureau American Community Survey, Oklahoma’s poverty rate (15.6 percent) was the nation’s tenth highest, rising slightly in 2021 compared to pre-pandemic levels (15.2%). When faced with a financial emergency, it is critical …

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Payday Loans in Texas: Understanding the Risks and Alternatives

Payday loans have become popular in Texas, particularly among people facing financial emergencies. According to a new Pew Research Center study, Texas consumers paid $1.5 billion in payday loan fees in 2021. A study by the Perryman Group and social justice advocacy groups found that one in 15 Texans has taken out a payday loan. …

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First Time Personal Loans: How to Apply When You Have No Credit History

Whenever there are unexpected financial needs, having access to funds can make all the difference. Whether it’s an unforeseen medical expense, emergency car repairs, or an opportunity to invest in your future, we sometimes find ourselves in need of a personal loan. However, if you have no credit history, getting that loan may seem impossible. …