Government shutdowns affect millions of people but they are particularly hard on poor families and low-income workers. While Congress and White House staff members continue to get paid 800,000 federal employees have seen their paychecks stop. About 420,000 “essential” employees are working without pay. This includes IRS, NASA, and TSA agents. Approximately 380,000 workers have […]
Average loan origination fees by loan type Mortgages 0.5% – 1%. Auto loans 0% – 2%. Student loans 0% – 4%. Personal loans 1% – 6%. Small business loans 1% – 6%. Interest rates are often the first thing people look at when applying for a loan. And while it’s important to know how much you’ll pay in interest, there’s […]
As a college student, you don’t have many options when it comes to loans. Most of the top personal loans on the market require great credit and a steady income, which typically aren’t a student’s strong suit. If you’re considering a personal loan, take the time to explore all of your options. More importantly, ask yourself […]
Getting a personal loan application denied can feel like an insult, but don’t take it personally. Lenders use credit and income information, as well as other factors, to determine how likely you are to repay the loan. And if you’re new to credit or have made some past credit missteps, it could signal to lenders […]
If you’re a business owner or contractor, getting a personal loan may require a more complicated process than if you were a W-2 employee. That’s because you’re less likely to have a pay stub or W-2 form—both straightforward documents that lenders use to prove income. But just because the process is more complicated doesn’t mean […]
Prosper announced that they plan to work with banks, rather than compete with them when they launch a new, online Prosper HELOC product. This choice is a strategic move beyond personal loans; the only product focused on by Prosper since 2005. Their new product arrives at a time when HELOC lines of credit are predicted […]
Beginning next year, HSBC Bank will connect with Chicago based Avant Inc. to offer personal loans of up to $30,000 to it’s U.S. customers. Loans with terms of up to five years will be available. Our platform provides HSBC with a tried and true technology solution that is customizable and provides the tools to help […]
Founded in 2000 as a digital bank, Axos Bank has since grown into a full-fledged, tech-based financial services company. It serves individuals, businesses, and institutions. A key benefit of this bank is that it incurs lower overhead costs compared to traditional banks. This results in more favorable rates, terms, and fees for their customers. Axos Bank’s products include: […]
It’s common to go into debt during the holidays. But if you’re going to do it, it’s important to do it wisely. Holiday loans might be a viable option for you According to the latest survey by the National Retail Federation, the average consumer will spend $1,007 during the holiday season. About $506 will be […]
So you realize you shouldn’t rack up credit card debt, have stopped spending, and are paying down your balances. You’re on the right path. The problem is, your interest rates are high and it’s taking too long to pay off your balances. Well, there may be a better repayment strategy: a debt consolidation loan. Instead of making […]
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