Financial Cents: Posts About Personal Loans

What It Really Means to Cosign a Loan

If you wouldn't be comfortable taking out a given loan for yourself, then you'll want to think twice about cosigning that loan for someone else.

Posted on: September 28, 2018


What Happens When You Can’t Pay Back Your Personal Loan

If you default on your personal loan, you're going to enter a world of debt collectors and garnished wages. Instead, try talking to your lender first.

Posted on: September 27, 2018


The 5 Ways a Personal Loan Can Affect Your Credit Score

Certain parts of borrowing a personal loan can raise your score, other parts will lower. But if you borrow responsibly, your score will turn out just fine.

Posted on: September 20, 2018


5 Personal Loans With Easy Approval (And Why That Can Be a Bad Thing)

While there are many great bad credit loans that come with easy approval, there are even more out there that are ... not so great. 

Posted on: September 06, 2018


Can You Pay Off a Personal Loan With a Credit Card?

If you are considering this option, you need to do the math and make sure you're really saving money. Otherwise, you might just be shifting your debt from one place to another.

Posted on: August 07, 2018


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

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

Posted on: July 12, 2018


How Do You Ask Someone to Be Your Cosigner?

If you don't have a great credit score or a large income, you might have to ask for help in order to get a loan or an apartment. What's the best way to go about it?

Posted on: July 10, 2018


A Field Guide to Spotting Predatory Lenders

Be wary of lenders that don't check your credit, advertise themselves as "cash advances," or have poor customer reviews.

Posted on: March 29, 2018


The Eight Best Online Loan Calculators

Nobody likes doing math. (Shut up, mathematicians. No one asked you.) So if you need to do some calculations for a potential loan, use one of these eight great online loan calculators instead.

Posted on: September 14, 2017


Have Bad Credit and Need a Personal Loan? Let’s Play the Bad Credit Lender Dating Game!

If you have bad credit, finding the right online loan for you can be a lot like dating. Here's how you can tell the princes from the predators!

Posted on: September 07, 2016