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Financial Cents: Posts About Personal Loans

A room full of furniture, including a red couch and a brown dresser, with a for sale sign posted on the wall

Shopping for Furniture with a Bad Credit Score?

Here are tips on scouting quality furniture for a fraction of the price — and without the high interest rates.

Posted on: January 31, 2020

Can Your Social Security Benefits be Garnished to Pay a Debt?

Creditors can garnish your paycheck or your bank account in order to collect on an unpaid debt, but can they garnish government benefits?

Posted on: December 06, 2019

How Do Pawn Shop Reality Shows Differ From Reality?

A visit to your local pawn shop may result in a high-interest loan versus a dramatic trade of merchandise for heaps of cash.

Posted on: September 20, 2019

5 Times When a Personal Loan is a Bad Idea

If you're considering a personal loan to pay for something like a vacation or to cover everyday expenses, you should stop and reconsider.

Posted on: June 05, 2019

Do You Have Bad Credit and Need a Loan? Here Are 4 Options

Finding the right bad credit loan means doing your research, understanding the pros and cons of each product, and finding the loan that works best for you.

Posted on: May 15, 2019

5 Questions to Ask Yourself Before Taking out an Installment Loan

You need to find the installment loan that works best for you, and that begins with knowing exactly what questions to ask.

Posted on: March 19, 2019

Can Paying off a Loan Hurt Your Credit Score?

Don't worry, it is very rare that paying off a personal loan will cause your score to drop, but it does happen every so often.

Posted on: March 18, 2019

5 Alternatives to an Expensive Cash Advance

If you're considering an expensive cash advance loan to cover unforeseen expenses, make sure you check out your other options, first.

Posted on: March 12, 2019

Should You Use an Installment Loan to Pay Off Your Credit Cards?

Consolidating all of your credit card debt into a single installment loan will likely save you money, but it'll probably mean larger monthly payments.

Posted on: February 11, 2019

If You Have Bad Credit, Should You Consider an Installment Loan?

Unlike short-term payday loans, the right bad credit installment loan could deliver manageable payments and even boost your credit score!

Posted on: January 03, 2019

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Industry Insight:

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Applications submitted on this website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Sandy, UT, member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans. Please refer to our Rates and Terms page for more information.

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2020.

NM Residents: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

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Based on customer service ratings on Google. Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans. Check loan reviews.

* Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

†TX residents: Opportunity Financial, LLC is a Credit Access Business that arranges loans issued by a third-party lender. Neither OppLoans nor the third-party lender reports payment history to the major credit bureaus: TransUnion, Experian, and Equifax.

Rates and terms vary by state.

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