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 […]

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. […]

How to Get Home Improvement Loans in Texas

Are you a homeowner in Texas looking to make significant improvements to your property? Whether you’re planning to renovate your kitchen, add a new room, or upgrade your outdoor living space, expect to spend at least a few thousand dollars. The expenses will vary depending on the size of your house, which parts of your […]

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. […]

Possible Reasons Why Your Personal Loan Application Got Denied

A denied personal loan can be disappointing. Most people are also puzzled. Even people with strong credit scores can get rejected, making them wonder why. In this article, we will discuss the possible reasons for a denied personal loan and a few alternatives to consider. But first, let’s define what a personal loan is. What […]

Millennials and Personal Loans: What’s the real score?

Having experienced recession growing up and witnessing the rise of new technologies through the years, millennials have inevitably developed a different way of looking at personal finance, dealing with credit, and utilizing financial services. There is much to say about the most educated generation to date, but how do their financial behaviors differ from their […]

Medical Bills Loan: Is It a Good Option for Paying off Medical Bills?

Health care in the United States is costly, leaving a lot of Americans in deep medical debt. Getting sick can get you bankrupt, and ironically, health insurance doesn’t always get you the assurance of worry-free treatment. A survey found that one in five insured working-age Americans has difficulty paying medical bills and serious financial challenges. […]

How to Use Personal Loans to Your Advantage

Most people are terrified of debt and try to avoid loans, except for a home or car loan. Personal loans are something people usually shy away from mainly because there is no particular use for them. Here’s the thing: not all debt is bad. For example, mortgages allow you to purchase a home without paying […]