Using an Auto Title Loan Responsibly

Get-a-LoanIn the past few years, the car title loan has become a more popular form of borrowing among those looking for extra funds for a variety of reasons. A car title loan is one that is secured by the title to a vehicle that a borrower owns. It is somewhat different than more conventional loans [click to continue…]

Why Car Title Loans Have Become More Popular

popular1When the U.S. economy began to fall apart in the late 2000s, it left hundreds of thousands of people out of work and many who went on to financial ruin. The resulting fallout of the bursting of the housing bubble and the ensuing recession left
many people with nowhere to turn. The failing economy also took with it the credit histories of thousands of individuals. [click to continue…]

The Right Type Of Secured Loan To Meet Your Needs

Alternative-LoansIn today’s credit market, individuals are finding it harder and harder to borrow money. Even with historically low interest rates, lenders are only willing to lend to those with the best credit histories and scores. What can you do when financial institutions [click to continue…]

Easy Ways To Manage Long-Term Debt

debtLong-term debt piles up in most households, and it can have a disastrous effect on your overall finances unless you do something to change. The average American household that has a credit card has some serious credit card debt to the tune of $15,500. [click to continue…]

Don’t Move Back In With Your Parents

ForeclosureYou have been living on your own for a while after graduation from college. Things have not been quite what you expected though. Your bills are starting to add up and, this month, you find yourself struggling to make all of your financial obligations. The dreaded thought of moving back in with your parents comes to mind, but you counter with a few ideas. [click to continue…]

Use Your Tax Refund To Improve Your Credit Score

Credit ScoreApproximately two-thirds of Americans who file an income tax return will receive a refund this year. The tax season is upon us as employers have until January 31 to mail out W-2 forms. With all of their tax forms and information, people can begin filing their returns. Those that receive refunds can use that extra cash to help improve their credit score and overall financial standing. Here’s how. [click to continue…]

It’s Tax Season – Use Your Refund Wisely

Accountant holding large tax return refundWith the end of January comes the beginning of tax season as employers must mail out all of their tax documentation to their employees. By mid-February, you should have everything you need to begin filing your income tax return. If you are like most – it is estimated that eight out of every ten filers receive a refund – you will be [click to continue…]

The Advantages Of Having A Personal Bank Account

Personal bankIf you are like most people, you probably have a personal bank account. If you do not, you should understand that there are certain advantages to having one. Hoarding money at home, whether in a safe or in the proverbial mattress, may not be the best way to hold on to your money. Here is a look at some of the benefits to owning [click to continue…]

Calculating Your Auto Equity

CalculatingA car title loan is an easy way to access cash very quickly. If you are the owner of a vehicle that is completely paid off and the title is clear, you are eligible to borrow against the value of your car or truck. How much you can borrow will depend upon the equity that you have in the vehicle. There are ways to estimate [click to continue…]

How To Find A Loan When You Don’t Have A Job

UnemployedIf you know anything about borrowing money, you know that financial institutions like to loan to people who are going to pay back the money they borrow. What that means is that banks and credit unions prefer to lend to those who have the means to repay them. Banks and other financial entities do not normally lend to people who do [click to continue…]

A Rise In The Popularity Of Car Title Loans

PopularEver since the credit crunch that came about as the result of the financial crisis that began in 2008, borrowing money has been difficult in the U.S. Banks and financial institutions are not as lax as they once were in handing out loans. Restrictions are tighter making it difficult for the typical [click to continue…]

Using Your Car As Collateral For A Loan

Car as collateralIf you are having difficulty trying to borrow money, you can use your vehicle as collateral in an effort to secure funds. Borrowing from traditional lenders such as banks and credit unions these days is much more difficult than it was even 10 years ago. Lenders have placed more restrictions on borrowing and, [click to continue…]

Using A Car Title Loan Responsibly

ResponsibilityTaking out an auto title loan can be the difference between meeting your financial obligations one month or finding yourself on the brink of disaster. Car title loans differ from conventional bank loans in that the requirements are different and the process [click to continue…]

Should You Get a Second Job?

2nd job

For various reasons, many people eventually find themselves wondering whether they should take on a second job. Living costs are high, and a financial upset such as job loss or medical expenses can be a major setback to your budget. Even a happy event like a new baby can mean new expenses that you will have to cover. Or, perhaps you need [click to continue…]