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Your local credit union should be one of your first stops when you’re looking to borrow money, especially if you have a fair or bad credit score (689 score or lower). Credit union personal loans often have benefits over those of other lenders, including:
Typically lower interest rates.
Smaller starting loan amounts.
More flexible terms.
Loan officers willing to consider factors beyond your credit score.
Table of Contents
- What is the FIRE movement?
- 6 steps to opening a Roth IRA
- See CD rates by term and type
- High-yield bond definition
- What is a W-4?
- About Roth IRAs
- What is an unclaimed life insurance policy?
- Medicare Advantage companies
- The parts of Medicare
- What is a budget planner?
- What is an FHA loan?
- Dividend definition
- What is the energy efficient home improvement credit?
- What is a custodial Roth IRA?
- What is a budget?
- What is a CFP?
- What is a meme stock?
- What is a charitable donation?
- Life insurance buying guide
- What is a rollover IRA?
- Broker definition
- » This offer has expired
- What is a cashier's check?
- Hubspot
- Charles Schwab is best for:
- Robinhood is best for:
- Find the right Medicare Supplement Insurance plan
- Still deciding on the right carrier? Compare Medigap plans
- Medicare Part D companies
- Bitcoin (BTC) definition
- What is a Treasury bill?
- Definitions: Money Transfer Rates
- Bluevine Business Checking
- IRA vs. 401(k)
- Quick tips for where to exchange currency
- 5 steps to fill out a money order
- Parts of a Check
- How to make money as a kid
- Renewable energy stocks
- About Kin home insurance
- Determining how much mortgage I can afford
- ETF meaning
- What are dividend stocks?
- How to make money in stocks
- What is a construction loan?
- How much does HBO Max cost per month?
- How much is an oil change?
- Apple Music subscription cost
- How to use this calculator
- Ohio state income tax rates and tax brackets
- About Liberty Mutual home insurance
- 7 budgeting tips for everyone
- How long does it take to clear a check?
- What are oil ETFs?
- About Amica home insurance
- Inheritance tax definition
- What is an after-tax 401(k)?
- Skimming: Taking info right off of your card
- 5 ways to cash a check without a bank account
- What is a credit card CVV?
- 7 of the best apps to make money
- How many bags can you bring on TAP Air Portugal?
- Medical insurance
- Where does Amtrak go?
- Does pet insurance cover pre-existing conditions?
- Which state do you owe taxes to?
- What does APY mean?
- 1. Opt for autopay
- How Eats Pass works
- What are restricted stock units, or RSUs
- What is stagflation?
- The scope of building a ship
- Roth IRA pros and cons
- Best stocks by one-year performance
- What are Vanguard index funds?
- How to use a savings goal calculator
- Exchange gift cards for ones you actually want
- Why should couples get life insurance?
- How much should you spend on rent? It depends
- How to get paid on YouTube
- How does Uber work?
- 1. Compare sites and deals
- How to get TSA PreCheck for free
- What are semiconductor stocks?
- What's the difference between a 15-year and 30-year mortgage?
- Summary of Visa Signature benefits
- Can you gift stock?
- Capital gains tax on stocks: Do you have to pay?
- When to open multiple brokerage accounts — and why
- How meme stocks work
- What is a savings account?
- Grace periods are based on billing cycles
- Delta SkyMiles American Express credit cards
- States with no income tax
- How much does a passport cost?
- How to get free stuff online or in person
- 10 Best-Performing Vanguard ETFs
- What are some weaknesses of Marriott Bonvoy?
- United fare classes: The differences
- Cocoa prices soar with no relief in sight
- Standard benefits included in World Elite
- When to write a follow-up email after no response
- What is a CD early withdrawal penalty?
- 1. Certificates of deposit (CDs)
- What to expect flying American Airlines Main Cabin Extra
- How do stocks work?
- When do I need a cashier's check?
- Credit bureau customer service phone numbers
- About Spot pet insurance
- Fixed rates vs. variable rates
- What is predatory lending?
- Tips for making returns
- How much is a speeding ticket in California?
- Tips to get the best last-minute travel deals
- Valuable welcome offer
- How does the lottery work?
- Preparing to buy tips
- Choosing an IRA vs. a 401(k)
- Refinance to a lower rate
- 1. Set your budget
- How do LLC taxes work?
- 1. Your information
- The best flight booking sites
- What is a flight payment plan?
- How do CDs work?
- Reasons to transfer to ANA
- Resorts World marks first new hotel on the Strip
- The best car insurance
- 50/30/20 budget calculator
- How we picked the best airline
- What is a HELOC?
- How to get started using MileagePlus miles
- Rates are tied to credit, not equity
- What to do when you lose your passport
- Should you pay your credit card more than once a month?
- Reverse mortgage basics
- How does capital gains tax on real estate work?
- Georgia small-business grants
- Do you have to tip an Uber driver?
- Are employers required to pay severance?
- When is a construction loan used?
- California state income tax brackets and rates
- About Samsonite and Travelpro
- How to use the mutual fund calculator
- Create a budget plan that works for you
- First, some background
- Understanding the basics
- How to check passport application status
- What is a growth stock?
- How early direct deposit works
- Spending rewards
- 1. Discounted ticket sites
- The best budget apps
- QuickBooks Online pricing
- Finding cars sold by private sellers
- Custodial Roth IRA rules
- How much is the average electric bill?
- The best cheap car insurance
- California-specific small-business grants
- Calculate your closing costs
- 1. Tax on capital gains
- January
- What it means to be an S corporation
- What is the child tax credit?
- What is AirPass?
- 1. Sell spare electronics
- Auto insurance
- Remember whom you’re doing it for
- If you get a notice, read it
- Can I contribute to a 401(k) plan and a traditional IRA?
- 1. Check what you already have and make a list
- What does homeowners insurance cover?
- Step 1: Check your credit
- What to do when you want to quit your job after a month
- What determines your monthly car payment?
- 1. There are 2 versions of the card
- What is a virtual assistant?
- Do rent payments affect credit?
- What does a broker do and why do I need one?
- What is travel insurance?
- Average car loan interest rates by credit score
- Key findings
- How does a recession affect my savings?
- What are credit freezes and credit locks?
- HubSpot Marketing Hub: Best overall digital marketing software
- Robinhood at a glance
- Check your eligibility
- Vending machine costs
- 1. Less expensive
- General advice for international money transfers
- What does a real estate lawyer do?
- 1. Rewards rates are generous
- What are closing costs?
- Reasons to buy a second home
- NerdWallet's airline analysis
- Minimum wage over time
- What is an S-corp?
- What is a car insurance declaration page?
- 1. Make extra payments toward the principal
- 1. What does Chase Sapphire Reserve® car rental insurance cover?
- Investment portfolio definition
- Why is having a low credit utilization important?
- LendingClub business checking is best for small-business owners who:
- Which cryptocurrencies support smart contracts?
- Best Priority Pass credit cards
- Where to find information for the calculator
- 1. Fill in the recipient’s name
- Best fleet fuel cards
- 4 common check fraud scams
- How to find a currency exchange near you
- Starting an import/export business
- HELOCs and home equity loans compared
- 1. You'll earn elevated rewards at Gap and sister brands
- Are CD rates going up?
- 2. Switch to prepaid
- The busiest days to fly around Thanksgiving
- What is a manufactured home?
- 1. ‘I love this car!’
- 6 hardship loans for bad credit
- 1. Clean up your credit
- Types of pet insurance coverage
- What is a state income tax?
- Pros and cons of Medicare Advantage plans (Medicare Part C)
- What happens when the appraisal is lower than the offer?
- How does trading in a car work?
- 1. It’s very similar to the Bank of America® Premium Rewards® credit card
- Can you get a parent PLUS loan for graduate school?
- Types of business funding
- Envision a typical day
- Energy efficient home improvement credit 2023
- What is IVF?
- When to consider a 15-year fixed-rate mortgage
- What is an EIN?
- How to calculate your debt-to-income ratio
- What is Airbnb?
- 1. Skip the airport
- Index fund vs. mutual fund
- When does checking my credit score lower it?
- 1. Get an Individual Taxpayer Identification Number
- What is the gift tax?
- What the settlement could change
- How to calculate simple interest in a savings account manually
- What are the three credit bureaus?
- What does a business use for collateral?
- Are charitable donations tax-deductible?
- 1. Apply for GI Bill Benefits early
- Best ways to consolidate credit card debt
- Best-performing oil ETFs
- What does a CD early withdrawal penalty cost?
- Deciding factors
- Interest rate vs. APR
- 6 ways to buy Bitcoin
- Risks of going on a student debt strike
- 1. Assess your situation
- 1. Check your account statements
- How do credit union loans work?
- Charles Schwab at a glance
- When to write a financial aid appeal letter
- When is the best time to buy luggage?
- Small-town business ideas
- Buy down the interest rate: Is it worth it?
- Best Medicare Supplement Insurance companies
- How Treasury bills work
- Chase Pay Over Time
- Late winter and early spring
- Reward earnings
- 1. Create a business plan
- Best day to book a flight
- Where to find your credit card’s CVV
- How to downgrade a Chase card
- How to improve your financial health
- What is a home equity loan?
- A
- How to send money online, on mobile or in person
- At a glance
- What is ‘cash stuffing’?
- The best money-making apps
- How to make money online
- 1. You get 5% with mobile wallets
- 2. Check number
- How to start a marijuana business in 6 steps
- Apply for TSA PreCheck
- The best life insurance for seniors in April 2024
- How to refer a friend for an AmEx card
- What's the difference between a HELOC and a home equity loan?
- Pros
- How to find your EIN
- Understanding high-yield bonds
- What is the standard deduction?
- Travel credit cards are often not the best option for travelers
- Mint vs. NerdWallet at a glance
- 6 steps to managing your 401(k)
- What is the 10-year Treasury?
- Find out how much your car is worth
- Types of ETFs
- Why life insurance money goes unclaimed
- Black swan events: not worth the worry
- How much does an Uber cost?
- Official U.S. passport photo rules
- Oil change prices at chain shops
- Why do employers check credit?
- Banks that offer joint business accounts
- What is a business credit score?
- How common is credit card fraud?
- Cash-back rewards
- Breakdown of central air costs
- Netflix subscription cost
- What does a certified financial planner do?
- Transaction types
- Do you pay taxes on stocks you don't sell?
- Summary of cash advance apps
- Points: Rewards on spending
- Best no medical exam life insurance for April 2024
- 2. Sell your gift cards
- How much of my credit card should I use?
- What does a kitchen island cost?
- Two options for that extra cash
- Who can invest in private equity?
- How much do Instagram influencers make?
- Chick-fil-A overview
- 2. Limit your shopping trips
- Options for an old 401(k)
- How to understand the calculator results
- What minimum credit score is needed to buy a car?
- What are Vanguard ETFs?
- Literally or digitally, being top-of-wallet matters
- What is mortgage pre-qualification?
- Signs of predatory lending
- New Medicare Part D coverage for vaccines
- Is inheritance taxable?
- How after-tax 401(k) contributions work
- 1. Understand asset allocation
- 1. Shop around
- If my credit card is closed due to inactivity, can I reopen it?
- Do I need a passport to cruise to Alaska?
- 1. It offers deferred interest
- Key findings
- In this article
- Algorithms are pricing for profits
- How the cards compare
- Dependability
- Earning Amtrak rewards points
- Ways to earn money as a younger kid
- How does a home equity loan work?
- At a glance
- Types of RSUs
- What is the 50/30/20 rule?
- Where Kin stands out
- Are we experiencing stagflation now?
- Reducing the interest you pay
- How much is car insurance?
- Are these the best stocks to buy now?
- Types of business entities: An overview
- What are some smart money moves to consider ahead of a possible recession?
- 20 high-dividend stocks
- Airfare is less inflated in Europe
- 2. Negotiate your rate
- Do you need insurance to rent a car?
- Which projects qualify for the home improvement credit?
- Who needs to get an EIN?
- How is PMI calculated?
- The benefits of gifting stocks
- Differences between mutual funds and index funds
- What’s the purpose of a budget?
- How much are closing costs?
- Do I have to pay Ohio state income tax?
- Where Liberty Mutual stands out
- Banking
- How will the Student Aid Index be calculated?
- Most workers expect salary increases
- 22 popular tax deductions and tax breaks
- Why you need a savings account
- 1. Affirm
- A closer look at Delta credit card offers
- American Airlines trip insurance plans
- 529 plan rules
- Understanding your required coverages
- World benefits included in World Elite
- Best wallets for security: cold wallets
- 55% of Americans are helping parents financially or plan to do so
- How an emergency fund can help
- Credit freeze vs. lock
- Where can I get a cashier’s check?
- Credit bureau self-service websites
- Stores with some of the best return policies
- How does Bitcoin work?
- Phishing: Asking you for personal information
- How to buy a house with cash
- How to read a car insurance declaration page
- Personal loans from online lenders
- What happened at the MOHELA Senate hearing
- How to lower your credit utilization
- What is Medicare Supplement Plan G?
- Smart contract example
- Carfax may offer more details
- Cheap car insurance
- How to calculate your home equity
- New York state income tax rates
- How we ranked the top life insurers
- Cons
- How to fill out a W-4
- How the home sale tax exemption works
- How much should you tip an Uber driver?
- Who gets severance pay?
- Construction loan types
- Work out how much of your income should go to rent with the 50/30/20 rule
- What are dividend stocks and why buy them?
- 20 high-dividend stocks
- 7 top semiconductor stocks by one-year performance
- YNAB, for hands-on zero-based budgeting
- Researching cars for sale by private sellers
- How much is the child tax credit worth?
- You won't dodge the hard inquiry
- 3. Pawn something
- Visualize what happens without a will
- Ethos life insurance
- Best car insurance in New York overall: Travelers
- What does it mean to live in a state with no income tax?
- Types of passport applications
- Best car insurance in New Jersey overall: Travelers
- 2. Ask yourself 2 questions
- 2. Categorize your expenses
- Pros of getting a fixed-rate HELOC
- Where Amica stands out
- 2. More flexible
- Bank wire transfer
- Investment portfolios and risk tolerance
- Pros and cons
- Cities in Colorado where it is most expensive to get a speeding ticket
- Refinance to a longer term
- 2. Write your address in the purchaser section
- 3. The date
- Best place to exchange currency: Your bank or credit union
- Why travelers will prefer the Chase Sapphire Preferred® Card
- 2. ‘I’ve got to have a monthly payment of $350.’
- How much money do I need to buy a house?
- How state income tax rates work
- Samsonite vs. Travelpro comparison
- Best car insurance in Texas overall: Travelers
- Conventional vs. synthetic
- Cheap(er) cell phone plans from Verizon, T-Mobile and AT&T
- Best-performing growth stocks
- How much is in vitro fertilization?
- When to consider a 30-year fixed-rate mortgage
- How to open a custodial Roth IRA for kids
- How much is PMI?
- How can I budget for my electric bill?
- 2. Tax on dividends
- Who can own an S corporation?
- 1. Brigit: Best for budgeting tools
- How private equity investing works
- How many Instagram followers do you need to make money?
- Set up a payment plan
- 3. Stick to your list
- Business loan collateral requirements
- What you need to know about savings accounts
- How tax-deductible donations work
- How to transfer a 401(k) to IRA
- What is the difference between deferment and forbearance?
- How credit scores affect auto loans
- Recent averages for factors that affect a car payment
- 2. Both cards earn 5X back on Ann Taylor and Loft purchases
- Services offered by virtual assistants
- Savings bond calculator
- Which services will report your rent payments?
- Types of travel insurance coverage
- How to write a follow-up email after no response
- APR comparison
- 2. Cash management accounts
- When to use a credit freeze
- How can I get a cashier’s check?
- How to start a vending machine business: A step-by-step guide
- 2. Consider your tolerance for risk
- You can ignore the requests
- State minimum wages in 2024
- 2. Refinance if you have good credit and a steady job
- Best day to fly
- RPT Realty (RPT)
- The purpose of CVV numbers
- Why the Chase Sapphire Reserve® wins by a nose
- Our take
- B
- 4 steps to spot a fake check and avoid trouble
- 2. Shop for a loan
- How LLCs pay income taxes
- Are pre-existing conditions ever covered?
- 2. You'll get some solid perks
- 3. Change or remove your cell phone insurance
- Why should I invest in renewable energy?
- Where Kin falls short
- What's the difference between a HELOC and a cash-out refinance?
- Starting construction
- Loans are funded fast
- Reverse mortgages aren’t cheap
- 7 best stocks to buy now, according to analysts
- How do Vanguard index funds work?
- Steps to prevent unclaimed life insurance
- How much does a 20-minute Uber cost?
- When should I trade in my car?
- Tips for infant passport photos
- 3. Look for last-minute deals
- 2. Credits and perks can make up for the card’s annual fee
- What is a mega backdoor Roth?
- Take retirement for a test-drive
- What types of institutions offer early direct deposit?
- QuickBooks Self-Employed pricing
- Pricing transparency
- Am I stuck with Edfinancial until my loans are paid off?
- How the annual gift tax exclusion works
- 1. Your credit score
- February
- How we ranked the top life insurers
- Where Liberty Mutual falls short
- Income limits for contributing to a traditional IRA and a 401(k)
- Meme stock history
- 2. Consider your educational priorities
- How does a broker make money?
- World Elite-only benefits
- An early withdrawal’s other cost: future interest forfeited
- Are auto loan interest rates rising?
- Best credit union personal loans for 2024
- Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
- Is there a federal inheritance tax?
- T-bill purchase example
- Holiday weekends
- 2. Redemption options are varied
- How to cash a large check without a bank account
- Ways to pay yourself as an S-corp
- American Express Membership Rewards: The basics
- Benefits to downgrading a Chase card
- 3. Include your account number if you're paying a bill
- 4. The recipient's name
- The pros and cons of a life insurance trust
- CD rate trends
- Virgin replaces Hard Rock as part of the Curio Collection by Hilton
- What kind of investment is Ethereum?
- What is a mobile home?
- What is the 10-year treasury yield today?
- Trading in a car with positive equity
- Investing for income: Dividend stocks vs. dividend funds
- Trade the gift card for cash
- Do you get severance if you’re fired?
- Learn more
- FHA vs. conventional loans
- How much money can you get for graduate school?
- How are business credit scores calculated?
- How to get Public Service Loan Forgiveness
- Extended warranty protection
- Neobanks: Their role, disadvantages and benefits
- How do you calculate closing costs on a house?
- How are stocks taxed?
- Simple interest calculation examples
- 4. Work today for fast cash today
- Is 0% credit utilization bad?
- How to plan for your kitchen island project
- Cheap car insurance in Florida
- 4. Pay attention to prices
- Step 2: Pre-qualify and compare offers
- What happens if you don’t pay your full balance
- Pros and cons of living in a state without income tax
- How much does it cost to renew a passport?
- Why might a check take longer to clear?
- Egg prices have increased 47% since August
- What are oil ETNs?
- How to book Main Cabin Extra
- Why should you own stocks?
- 3. Do your research
- Cons of getting a fixed-rate HELOC
- Where Amica falls short
- 3. Good for young families
- Should you hire a real estate attorney?
- How to buy a second home
- What is Delta Air Lines like?
- Redeeming your points
- Fake apps are stealing crypto
- How does a home equity loan work?
- How the cash stuffing method works
- Property and casualty insurance
- How does FIRE work?
- Why look for flight payment plans with no credit checks?
- Apply for Global Entry
- How to establish domicile
- Best life insurance for seniors in April 2024
- The busiest days to fly around Christmas
- The best airline of 2024
- High-yield bonds and credit ratings
- How the standard deduction works
- Other alternatives to Mint
- Sole proprietorship
- Life insurance options for couples
- Protect your retirement savings
- How to deal with a low appraisal
- What do employers see in a hiring credit check?
- Does my car insurance cover rental cars?
- Ways to fund your business without taking on debt
- Investing for income: Dividend stocks vs. dividend funds
- What are the different types of semiconductor stocks?
- Average annual PMI premium
- 2. Shop around online
- Why is budgeting important?
- 2. The annual fee
- AirPass benefits
- Am I a resident for Ohio state income tax purposes?
- What data do the credit bureaus maintain?
- How to spend it
- Why invest in private equity?
- How to monetize your Instagram with fewer followers
- Keep it simple
- Ethos life insurance policies
- How to quit your job after a month
- How can I increase my emergency savings?
- Information you’ll need
- What to do after you get a speeding ticket in California
- How does Bitcoin make money?
- Short resignation letter example
- Benefits of after-tax contributions
- Spyware: Grabbing data from your computer (or a merchant's)
- Does raising the minimum wage cause inflation?
- 2. Find the right location
- 2. Who is covered?
- How to build an investment portfolio
- Key features of IRAs vs 401(k)s
- Building foundations
- E
- Apply for mortgage forbearance
- Making referrals: Caveats and considerations
- Stacking cabins like Legos
- 2. Rebalance your debts and income
- What is a Roth IRA account?
- How much do Uber drivers make per hour?
- The dollar is strong
- How much rent can you afford?
- How Medicare Advantage plans work
- 3. Earning and redeeming rewards is fairly simple
- Putting alcohol in your bag
- How severely is credit card fraud punished?
- Financial institutions with early direct deposit
- Travel and entertainment benefits
- 5 reasons why a Roth IRA can be right for minors
- PMI calculator help
- How to gain CFP certification
- Determining your income tax liability
- Why checking your credit is smart
- 2. Ensure you meet credit history qualifications
- Benefits of an S corporation
- You won't avoid fees
- Our take
- State availability
- Contact a pro
- How is the Student Aid Index used?
- 5. Buy the Sunday paper (for coupons)
- Getting paid on time isn’t a given
- Savings accounts with strong APYs can help your money grow
- How do Vanguard ETFs work?
- How to use average car interest rates
- 4. Be honest about what it will take
- 3. Build a budget that works for your expenses
- Spot pet insurance plans and coverage
- Mailchimp: Best for email marketing
- What to include in your financial aid appeal letter
- AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
- How to determine your closing costs
- Not answering might make you ineligible for a credit limit increase
- How will this affect my credit score?
- How we got here
- LendingClub business checking at a glance
- Medicare Supplement Plan G pros and cons
- Our tips
- 4. Sign the bottom where it says 'purchaser’s signature'
- Another money-change option: online currency converters
- About home equity loans
- 3. Those rewards can be used only within the brand
- Should I choose a home equity loan or a HELOC?
- How to calculate APY
- CD rate forecast: 2024
- 4. Skip the phone upgrade
- State availability
- When did stagflation last occur? What's different today?
- Buying a manufactured home
- 3. ‘My lease is up next week.’
- Matching payments to paychecks
- What mortgage can I afford?
- Look elsewhere for short-term needs
- When are state income tax returns due?
- Who qualifies for the home sales tax exclusion?
- Are Vanguard index funds a good investment?
- What’s included in a severance package
- Can your Uber fare change?
- Guide to trading-in your car
- Use a budget planner
- Lube shops vs. dealerships
- 4. Explore alternative accommodations
- Mega backdoor Roth 2024
- Dividend vs. growth stocks
- How does Apple Music fit into your budget?
- Live purposefully
- How to find growth stocks
- 2. Paying with points
- Overall cost
- What won’t change
- Requirements: Who qualifies for the child tax credit?
- 5. Seek community loans and assistance
- Credit cards
- How do I choose between an IRA and a 401(k)
- 2. Afterpay
- What does American Airlines travel insurance cover?
- The cost of passport changes
- What is better: deferment or forbearance?
- How credit scores affect monthly car payments
- The future is mobile
- See CD rates by bank
- 3. High-yield money market accounts (MMAs)
- What is mortgage preapproval?
- Inheritance taxes vs. estate taxes
- 4. Simplicity
- 2. Take advantage of car insurance discounts
- Additional considerations for cashing a check
- Mortgage selection tips
- 2. You won't want to carry a balance
- Acadia Realty Trust (AKR)
- Limitations of smart contracts
- AutoCheck is better for the price conscious
- 3. Determine other ownership costs
- For frequent flyers
- 5. The payment amount
- An easier approach: ESG funds
- Park MGM offers a smoke-free casino
- Is a HELOC a good idea?
- Top rental increases and decreases in the U.S.
- How to find the best stocks to buy now
- Best car insurance in Texas for your budget: State Farm
- Does an employer credit check hurt your score?
- Is IVF covered by health insurance?
- QuickBooks Desktop pricing
- Pros of booking a monthly Airbnb rental
- How do you start a budget?
- How to lower your electric bill
- 3. Taxes on investments in a 401(k)
- March
- Cheapest for 20-year-old drivers
- Best car insurance in New York for your budget: Progressive
- 3. Find VA-approved colleges that accept transfer and military class credits
- What is a FICO Auto Score?
- So what’s the holdup?
- Learn more:
- What CD early withdrawal penalties cost at some big banks
- No. 1 reason for not helping parents is not being able to
- Best car insurance in New Jersey for your budget: Geico
- When you need to contact all bureaus vs. just one
- How to get a fixed-rate HELOC
- Do all workers earn at least the minimum wage?
- What if my Alaska cruise doesn’t sail to Canada?
- How LendingClub business checking works
- Why CVV isn't a fail-safe
- Limitations on downgrading a Chase card
- F
- 2. Middling value beyond groceries
- 5. Cash in on discounts
- Are there fees with Eats Pass?
- Tax liability of RSUs
- What is a hardship loan?
- Going overseas? Don’t forget your travel rewards card
- Trading in a car with negative equity
- Best car insurance companies: Our winners
- Give it away
- What happens if you don’t tip?
- How to take out federal loans for graduate school
- Do personal credit scores affect business credit scores?
- Heat pump tax credit 2023
- How to apply for an employer identification number
- How lenders view your DTI ratio
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- For credit and savings
- 2. Empower: Best for fast cash
- Best no-exam life insurance policies in 2024
- What’s the difference between simple interest and compound interest?
- 6. Ask for forbearance on bills
- Liberty Mutual home insurance coverage
- 5 ways to make money on Instagram
- Use employee benefits
- How much does a Chick-fil-A franchise cost?
- 5 best-performing meme stocks
- 6. Avoid online grocery shopping
- Are Vanguard ETFs a good investment?
- 3. Expiration dates on rewards run small
- How much does a stock broker make?
- How to use your travel insurance
- Follow-up email template
- How long you have the loan matters
- When to use a credit lock
- Alternatives to a student loan strike
- How much does a cashier’s check cost?
- About the shingles vaccine
- You decide: Is Bitcoin a good investment?
- Treasury bill rates compared to other Treasury securities
- All year
- Cash App
- 3. Get revved up with this welcome bonus
- Credit card issuers generally don’t verify your income
- Reasons to buy a house with cash
- Where do lottery prizes come from?
- 3. Register your business
- 3. What’s not covered?
- What Medigap Plan G covers
- Apply for loan modification
- 5. Keep your receipt
- 6. Memo line
- Making a flight payment plan with no credit check
- When dual residency might apply
- How does a life insurance trust work?
- Best car insurance companies: Our winners
- Referral bonus annual limits
- Kin home insurance coverage
- 4. ‘I want $10,000 for my trade-in, and I won’t take a penny less.’
- Reverse mortgages can be used as a relief valve
- Price vs. yield
- How does a Roth IRA work?
- How to meet your monthly savings goal
- For those worried about layoffs, what is your advice about starting a side hustle and ensuring long-term job security?
- California income tax deadlines and extensions
- How to choose the best Medicare Advantage plan
- Should you tip an Uber driver?
- Where to get an infant passport photo taken
- 5. Pick a different neighborhood
- Cheap cell phone plans from brands owned by the big three
- FHA loan requirements
- How are dividends paid out?
- Card readers and apps
- How to claim the child tax credit
- How credit utilization affects your scores
- Our tips
- Where do the credit reporting bureaus get their data?
- How a savings account works: withdrawal limits
- Ethos life insurance rates
- You can effectively double your grace period
- I bonds calculator
- Best wallets for convenience: hot wallets
- What does it mean when you own stocks?
- 5. Embrace the learning curve
- Amica home insurance coverage
- Do the math
- Best for member satisfaction: State Farm Medicare Supplement Insurance
- My Chase Loan
- 3. Use mutual funds for the base of your portfolio
- 3. Drive safely
- Quick tips for keeping card information secure
- Foreign transaction fees
- Personal loans from credit unions
- 3. Cardholders enjoy a longer return period and exclusive offers
- IRA vs. 401(k): A road map
- Stacking up wins
- Where to exchange currency outside the U.S.
- 4. Big spenders can earn 'Icon' status
- Pressure to overspend
- Who issues high-yield bonds?
- Standard deduction 2023
- Types of state income tax
- How much does it cost to buy Vanguard index fund shares?
- Public transportation can help you save
- Who can open a joint business account
- What do U.S. passport status updates mean?
- What are the benefits of early direct deposit?
- Instant gratification
- Sole proprietorship taxes: Special deductions
- How to reach Edfinancial customer service
- How to check your credit score without hurting it
- Drawbacks of an S corporation
- You won't be able to use the card
- 7. Request a payroll advance
- How to get started investing in private equity
- Gig work holds little attraction
- Getting an expedited passport
- Other factors can help you buy a car with bad credit
- How do you find a broker?
- Need more information?
- Strategies for after-tax 401(k) contributions
- Closing costs calculator
- How to open a bank account to cash a check
- When to use it
- Where does lottery revenue go?
- What it means for your money
- What can I use a home equity loan for?
- Compare Roth 401(k) vs. traditional 401(k)
- 4. Find the right car for you
- 7. Bank name
- New York state supplemental income tax
- 6. Add lines
- Choosing a manufactured home lot
- How to get a hardship loan
- 3. Don’t ask for too much cash
- A few tips about giving gift cards
- Does Max cost the same as HBO Max did?
- Example of an appraisal gap
- Avoiding the upsell
- What are your legal rights?
- Rental car insurance vs. your own auto insurance
- Who qualifies for the energy tax credit?
- Travel and emergency assistance
- Goodbudget, for hands-on envelope budgeting
- What’s next?
- How do streaming services fit into your budget?
- Gift tax limit 2024
- Perks: Goodies that come with the card
- 7. Calculate your burn rate
- The cost of debt without a balance transfer
- Exceptions to state minimum car insurance requirements
- Strategies to avoid a CD penalty
- 4. Peer-to-peer lending
- American Airlines premium economy vs. Main Cabin Extra
- Financial stress may be related to uncertainty
- Consider a home equity loan
- Average car insurance rates after a speeding ticket in California
- More about term life insurance
- How much will a real estate attorney cost?
- What Medigap Plan G doesn’t cover
- SITE Centers Corp. (SITC)
- How much are American Express Membership Rewards points worth?
- The Fed keeps the economy on a diet
- H
- Ease of use
- About home equity lines of credit
- Apply for Clear (maybe)
- How to get a home equity loan
- Take advantage of today’s CD rates
- Circa Resort & Casino opens downtown
- 5. ‘I’ve been looking all over for this color.’
- How much is car insurance in my state?
- An alternative to chasing the best stocks
- How much is severance pay?
- How to fit Uber into your budget
- 6. Use your affiliations
- How to protect yourself from credit card fraud
- Could state abortion bans impact IVF?
- 3. With a vacation package
- Point-of-sale hardware
- When to estimate closing costs
- 3. Consider cards that don't require a Social Security number
- How are dividends taxed?
- Avoid this situation next year
- Terms connected to meme stocks
- How to get a business loan without collateral
- Ethos customer complaints
- What isn't covered by American Airlines travel insurance?
- 4. Seek out certified veteran affairs staff
- How much does it cost to buy Vanguard ETFs?
- How loan term affects your monthly car payment
- Banks and credit unions that clear checks fast
- Issuers are testing and learning
- Treasury bond and note calculator
- Bottom line
- What to do if your appeal is unsuccessful
- Tips for buying luggage
- Using the mortgage points calculator
- Who should get the shingles vaccine?
- Immediate resignation letter example
- Are Treasury bills a good investment?
- 4. Drop car insurance you don’t need
- Who pays the closing costs?
- Updates can affect future product offers
- 3. Enroll in autopay
- Eliminate mortgage insurance
- Which vehicle history report should you get?
- 3. Redemption comes with some rules
- 8-9. Routing and account number
- Does pet insurance cover bilateral conditions?
- 5. Steer clear if you plan to carry a balance
- APR vs. APY: What’s the difference?
- How to choose less crowded (and cheaper) travel days
- Why the Chase Freedom Unlimited® could be more appealing for some
- Selling vested shares
- How to accept a referral for an AmEx card
- The bottom line
- Is stagflation the same as a recession?
- How to find another company's EIN
- 'Tricking' yourself into paying more
- Pet insurance coverage at a glance
- General partnership
- Factor in other costs
- Rollover your tax refund, too
- 4. Flight redemptions get a 20% discount
- Your 401(k) plan allows after-tax contributions
- 6 types of dividends
- What is a good business credit score?
- Should you buy growth stocks?
- How to claim the home improvement credit
- Are there any issues with early direct deposit?
- Travel and shopping protections
- QuickBooks Enterprise pricing
- 4. Leverage memberships
- National grant programs open to California businesses
- 3. Your eligibility for the welcome bonus
- April
- Credits
- 8. Take a loan from your retirement account
- Discounts
- Don't forget about current tax returns
- 3. Apple Pay Later
- How to start a virtual assistant business in 6 steps
- How to get travel insurance coverage
- Fight for forgiveness
- Constant Contact: Best for content marketing
- States that have estate taxes, inheritance taxes or both:
- How much should you spend on a mattress?
- 4. Intro APR period is short
- Other benefits
- 4. Choose a business name
- 4. Home Depot offers a separate card for bigger projects
- Where LendingClub business checking stands out
- Learn how to write a smart contract
- TAP Air Portugal baggage fees
- 7. Update your service address
- Standard deduction 2024 (taxes filed 2025)
- Millennials travel plenty, but they earn less in credit card rewards
- How is severance pay calculated?
- What does a construction loan cover?
- Do I have to pay California state tax?
- How to enroll in a Medicare Advantage plan
- How to apply for a joint business bank account
- How long does passport processing take?
- Which graduate student loan is right for you?
- Does your DTI affect your credit score?
- 4. Tax on mutual funds
- What is Ohio’s standard deduction?
- Episode transcript
- Set a timeline
- How to open a Chick-fil-A franchise in 4 steps
- 8. Follow your favorite brands
- More about Ethos life insurance
- Best car insurance in New York for having few customer complaints: The Hanover
- A word of caution
- Deferment vs. forbearance for private student loans
- Only 28% of Americans have an estate plan
- What if I lose the cashier's check?
- Best car insurance in New Jersey for customer satisfaction: NJM
- What are the lottery payout options?
- 4. How to file a claim for car rental insurance
- Home equity loan rates in 2023
- How to get an Uber Eats Pass for free or a discount
- How can you prepare for stagflation?
- How are HELOC payments calculated?
- Optimizing: A few program sweet spots
- Cost of a manufactured home
- Wood, weight and 'wow factor'
- Information is power
- Final steps
- National grant programs open to Georgia businesses
- How to invest in dividend stocks
- Off the beaten path?
- Does HBO Max allow password sharing?
- Best car insurance in Texas for having few customer complaints: Chubb
- Bottom line
- Cheap cell phone plans from brands that resell network service
- Arranging to see a private seller's car
- How to gift stock
- Integrations with accounting software
- Gift tax limit 2023
- Additional child tax credit
- Longer-term consequences are possible
- 9. Borrow against life insurance
- Can other types of data help my credit reports?
- Optional coverages
- Alternatives to checks
- How to choose a rent-reporting service
- Other wallet options
- Using the Loan Estimate to compare mortgage offers
- Finding a real estate attorney
- Issuers may share your income information with other companies
- What states are increasing minimum wages in 2024?
- A billion bucks might do the trick
- L
- 5. Contact the seller or visit a dealership
- Redeeming Amtrak points
- Where to avoid exchanging currency
- Does pet insurance cover hereditary and or congenital conditions?
- How to handle your state tax liability
- Types of life insurance trusts
- Harrah’s undergoes a $200 million renovation
- Get more help with monthly budget planning
- Methodology to determine the best airline
- Other ways to pay
- Rent vs. inflation
- Other hardship loan options
- Helping your credit scores
- W-4 form 2024
- Additional functionality
- What does pet insurance cover?
- Why is the 10-year Treasury yield important?
- What can you invest in with a Roth IRA?
- Your 401(k) lets you move your after-tax money
- How to invest in dividend stocks
- Is the energy efficient home improvement credit refundable?
- How much does working with a CFP cost?
- What’s next?
- When do you have to pay taxes on stocks?
- 3. EarnIn: Best for large advances
- What is a meme stock ETF?
- Workers are still stressed, especially in the U.S.
- How much to keep in your savings account
- Step 3: Choose your lender and loan
- 5. Find a military-friendly college
- Is United’s basic economy worth it?
- 5. Online savings accounts
- How to store the Bitcoin you buy
- What is American Airlines Main Plus?
- The bottom line
- Pre-qualification vs. preapproval
- Discounts
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Watch out for capital gains taxes
- Mattress-buying tips
- Google Pay
- Is the Bank of America® Travel Rewards credit card worth getting?
- Alaskan cruise passports recapped
- 5. Loyalty doesn't always pay off
- How much does Medigap Plan G cost?
- Urstadt Biddle Properties Inc. (UBA)
- 4. There's a separate fuel rewards program
- Lounge quality
- Ways to earn money as a teenager
- Flight payment plans with no credit check recapped
- Are home equity loans a good idea?
- Choosing a card
- 4. Consider a co-signer
- Remember gift cards can expire
- How do construction loans work?
- Don't try to get lucky with your serious money
- How to save money on an Uber
- Controversy around employer credit checks
- 5. It lacks transfer partners
- Auto rental collision damage waiver
- How to understand DTI ratio
- For credit building
- Deposit timing
- What do closing costs include?
- 4. Your current Sapphire situation
- What’s the filing deadline for my Ohio state income tax bill?
- 10. Use a credit card cash advance
- Tips to make your kitchen island more affordable
- Types of private equity investments
- How do balance transfers work?
- American Airlines international travel insurance cost
- Using a passport agency for urgent travel
- Estimating your car payment
- 4. Shop the first Tuesday of each month for 15% off
- Treasury bills calculator
- 7 steps to appeal your financial aid
- What causes Treasury bill rates to fall?
- 5. Obtain licenses and permits
- Personal loans from banks
- Skip currency exchange: Use a credit or debit card
- When are New York state income taxes due?
- Managing expectations
- Look for savings
- How to fit HBO Max into your budget
- Appraisal gap coverage limits your exposure
- Trading in vs. other methods of selling
- How to calculate your credit
- No fees
- How the lifetime gift tax exclusion works
- May
- How to start an S corporation
- Why doesn’t my report show a credit score?
- Consumer complaints
- 9. Try out generic labels
- Calculate the cost of deferment vs. forbearance
- How do you buy Vanguard ETFs?
- Get pre-qualified or preapproved?
- Take advantage of nontraditional return options
- Storing your Bitcoins: Hot wallets vs. cold wallets
- 5. It charges foreign transaction fees
- 4. Know when to leave it to the pros
- 5. Drive a car that’s cheap to insure
- 4. Make biweekly payments
- The pros
- What are fleet cards?
- LLC payroll taxes
- How compound interest works
- Is Uber Eats Pass worth it?
- Standard deduction for those 65 or older
- What's your investment strategy for 2023?
- What is California's standard deduction?
- Alternatives to QuickBooks
- Contract periods
- 5 things to know about Ohio state tax
- 11. Look for a payday alternative loan
- Does paying rent build credit?
- How to map your — and your parents’ — financial future
- What’s not covered
- Change your repayment plan
- Doing great
- Ways to get the best home equity loan rates
- M
- 10. Signature
- How do insurers determine pre-existing conditions?
- Do I have to pay New York state income tax?
- Which card (or cards) should you get?
- How to change or cancel an EIN
- Survey methodology
- How to find the 2024 W-4
- Are 10-year Treasury notes a good investment?
- Are Roth IRAs insured?
- How to switch Medicare Advantage plans
- Shipping alcohol
- If you haven’t received your passport
- 4. Using the United MileagePlus X app
- 5. Opt for economy cars
- How to complain about Edfinancial
- 4. Build your credit, with or without a Social Security number
- 5. Tax on the sale of a house
- Want to start a business?
- When to expect your child tax credit refund
- Alternatives to savings accounts
- Best car insurance in New York for ease of use: State Farm
- Taxes for rollover IRAs: 2 rules to know
- 5. Free shipping comes with a caveat
- Cashier’s check vs. certified check vs. money order
- Best car insurance in New Jersey for ease of use: State Farm
- Credit union personal loan rates
- Cheapest car insurance companies after a speeding ticket in California
- 3 ways to avoid inheritance tax
- 6. Increase the deductible
- Minimum wage increases
- Where LendingClub business checking falls short
- Overweight and oversized baggage fees
- 6. Inspect and test-drive the car, if applicable
- Overall
- Rio is set to join Hyatt
- Discounts
- Find the best HELOC lender for you
- Manufactured home loans
- How to choose between Travelpro vs. Samsonite luggage
- Best car insurance in Texas for ease of use: Farmers
- You’ve got money left over for savings
- Growth stocks vs. dividend stocks
- Ways to lower your DTI ratio
- How do I find a certified financial planner near me?
- Customer support
- No-closing-cost mortgages
- 5. Your spending plans
- What is net investment income tax?
- Consumer experience
- Can I make money with meme stocks?
- 10. Use credit cards strategically
- Overall, workers are optimistic
- 4. Klarna
- Should you list the job on your resume?
- How the 9 states with no income tax stack up
- Consider income-driven repayment instead
- How to build your credit before car shopping
- Why you may not be getting a response after an interview
- How to get American Airlines Main Cabin Extra Seats for free
- Zoho Social: Best for social media posting and monitoring
- Consumer complaints
- Alternatives for paying down a credit card balance
- What's next?
- Kite Realty Group Trust (KRG)
- How do fleet cards work?
- How do I grow my home's equity?
- Receiving referrals: Compare referral welcome offers
- More passport management tips
- 2023 state income tax rates and brackets
- Limited partnership
- Can you negotiate severance?
- What part of my income gets taxed by California?
- Consider a core and satellite strategy
- Widespread acceptance
- 12. Get a personal loan
- Step 4: Gather loan documents
- What to look for in a balance transfer card
- Costs of using a passport courier
- Popular Vanguard ETFs
- What else you need to know
- 6. High-yield checking accounts
- The 50/30/20 budget calculator
- What to know about holiday return policies
- Resignation due to health issues letter example
- Next Steps:
- What is the median household income in the U.S.?
- 5. Pay off capitalized interest
- 6. Find suppliers
- Chase car rental insurance, recapped
- Tips to find cheap flights any day of the week
- 5. The card offers a first-year gas bonus (and the potential to extend it)
- Purchase upgraded airfare with priority lane access
- Benefits of RSUs
- Are high-yield bonds a good investment?
- Saving on late fees
- 5. Use collateral to secure the loan
- How much is car insurance by company?
- How do you buy Vanguard Index fund shares?
- How to prepare for a hiring credit check
- Things to consider
- EveryDollar, for simple zero-based budgeting
- 3 tips to control central air conditioning installation costs
- What is the difference between a CFP and a CFA?
- How to file your sole proprietorship tax returns
- 4. Varo: Best for existing bank customers
- Alternatives to keeping a card inactive
- Are credit scores from all major bureaus the same?
- 11. Establish your local supermarket circuit
- Claiming tax-deductible donations on your tax return
- Is American Airlines travel insurance worth it?
- Best for extra benefits: Anthem Medicare Supplement Insurance
- PayPal
- 7. Improve your credit
- Other things to consider
- Buy Medigap Plan G during Medigap open enrollment
- How much can you borrow with a home equity loan?
- N
- The cons
- Leverage elite status to get free checked bags on TAP Air Portugal
- How to find insurance for pets with pre-existing conditions
- Is APY variable?
- What’s new on board
- It’s more expensive to rent than ever before
- Do I have to update my W-4 every year?
- How do you buy 10-year Treasury notes?
- Roth IRA eligibility rules
- Do you ever need to change your EIN?
- If you want to buy Disney tickets for cheap
- Cons of booking a monthly Airbnb rental
- 2024 lifetime gift tax exemption
- June
- 2024 child tax credit news update
- The drawbacks of owning multiple brokerage accounts
- How your car loan can help you build better credit
- The bottom line
- Next steps
- 4. Use budgeting or expense-tracking apps
- Spot coverage options
- What is an example of predatory lending?
- Consumer experience
- Some helpful links from the IRS
- Reasons to get a mortgage instead of buying with cash
- Life insurance
- What is New York state's standard deduction?
- Consumer complaints
- The bottom line
- Are Roth IRAs safe?
- 3 investing myths
- How to get a construction loan
- Taking a sip down memory lane
- 6. Stick to one driver
- How to settle a dispute with Edfinancial
- How to pay lower taxes when selling stocks
- 13. Rent out a room
- 12. Consider a wholesale membership
- Repayment options for federal and private loans in default
- How can I avoid cashier's check fraud?
- Are after-tax 401(k) contributions right for me?
- How much are lottery winnings taxed?
- Why you might prefer the Capital One Venture X Rewards Credit Card
- 7. Determine which warranties are right for you
- LLC self-employment taxes
- Amtrak Guest Rewards elite status
- If you’re planning a trip to Las Vegas
- Calculating capital gains tax on a home sale
- Am I a resident for California state tax purposes?
- Bottom line
- How to track your passport status, recapped
- Reconsideration for PSLF applications
- Best custodial Roth IRAs
- What does AirPass cost?
- Liberty Mutual vs. competitors
- Risks of private equity
- Full list of the best car insurance in NY
- Full list of the best car insurance in New Jersey
- How to get a loan from a credit union
- The best time of year to buy luggage
- Last-minute travel deals, recapped
- Closing costs for the buyer
- 6. Stick to the standard repayment plan
- Summary of pros and cons of personal loan lenders
- Is Plan G the best Medicare Supplement Insurance plan?
- InvenTrust Properties Corp. (IVT)
- P
- Exchange frequently? Consider a multicurrency account
- Consumer experience
- Standard deduction for dependents
- Clearing room to charge more
- Do you pay tax on T-notes?
- Debt-based financing options for your business idea
- The physical card is (heavy) metal
- Seller-paid closing costs
- So, how much is a U.S. passport?
- 8. Don’t drive a lot? Consider usage-based insurance
- Home equity loan requirements
- Who benefits from the cash stuffing envelope system
- Check-in times for checked luggage
- Drawbacks of RSUs
- How did rent get so expensive?
- Alternatives to Roth IRAs
- How to adjust your Form W-4
- 6. Find the right lender
- Full list of the best car insurance companies in Texas
- How to switch plans and keep your number
- How to evaluate dividends
- Why do I need a business credit score?
- Pros and cons of investing in semiconductor stocks
- Roadside dispatch
- Paying for a car purchased from a private seller
- How can I check my credit reports?
- Where to find the best savings accounts
- 5. PayPal
- What to do with the Bitcoin you buy
- Recap: How to get a cashier's check
- 5. Explore other expense-tracking methods
- Restrictions and waiting periods
- 7. Secure funding
- How to choose a lender
- Disability insurance
- The bottom line
- Am I a resident for New York state income tax purposes?
- Which type of life insurance should I put in a trust?
- Getting motivation
- More 401(k) resources
- Next Steps
- What are the best Vanguard index funds?
- What’s next for crypto? Should people invest? How do they keep their assets safe?
- Using your credit card for rental car coverage
- What if you lose your EIN?
- 7. Use your own insurance
- Steps in the small-business grants process
- Who pays the gift tax?
- July
- How much do individual flights cost?
- 14. Moonlight as a dog sitter
- 13. Look at the price per unit
- SimpleTexting: Best overall SMS marketing software
- Summary: Buying a second home
- LLC sales taxes
- Which pet insurance companies cover pre-existing conditions?
- How do ETFs work?
- Are these the best dividend stocks?
- You might also like:
- How to finance central air installation
- What is the difference between a CFP and a financial advisor?
- 6. The amount you will travel
- 5. Dave: Best for repayment flexibility
- Step 5: Submit your application and get funded
- Charitable contributions 2023
- Why you can trust NerdWallet
- Amica vs. competitors
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- Venmo
- 7. Use 'found' money
- Fleet fuel cards: benefits and drawbacks
- TAP Air Portugal baggage policy recapped
- 8. Negotiate the best price
- The best place to exchange currency at the end of your trip
- Manufactured homes: Pros and cons
- When can't you take the standard deduction?
- When NOT to pay more frequently
- 2024 state income tax rates and brackets
- C corporation
- What’s a spousal Roth IRA?
- The bottom line
- How do I get my business credit score?
- What are the best dividend stocks?
- No-interest financing on Apple purchases
- Do you pay taxes when you receive a gift?
- 15. Become a rideshare or delivery driver
- Can you contribute to a rollover IRA?
- 6. Look for ways to lower your expenses
- Credit union vs. online lender
- Urban Edge Properties (UE)
- Are home equity loans a good idea?
- The bottom line
- Resources for Georgia-based businesses
- Why you can trust NerdWallet
- Investor-friendly
- If you’re interested in buying travel insurance
- Spot pet insurance rates
- What to do if you win the lottery
- S
- Drawbacks of transferring to ANA
- Will you owe capital gains taxes on your home sale?
- How much money can you make on YouTube?
- Empower Personal Dashboard, for tracking wealth and spending
- 8. Forgo the extras
- Consequences of a child tax credit error
- 16. Cut your insurance premiums
- What if I see a mistake on my report?
- How to avoid predatory lenders
- Home shopping tips
- Currency exchange: Frequently asked questions
- Other home insurance companies to consider
- How much is auto insurance based on your driving record?
- Buying rental car insurance on your own
- How to buy semiconductor stocks
- Additional Visa Signature benefits
- Fee-only vs. fee-based financial advisor
- Is the gift tax deductible?
- August
- What is no-exam life insurance?
- Is AirPass worth it?
- 14. Understand sale cycles
- Vanguard ETFs: The bottom line
- Don't assume cash is better
- Which is the cheapest credit card with Priority Pass?
- LLC tax forms and deadlines
- The bottom line
- How much is my 2023 standard deduction?
- More about the influencers
- When to consider Global Entry instead
- Lounge benefits
- 6. Sezzle
- Is Main Cabin Extra worth it on American Airlines?
- Cards that earn American Express Membership Rewards points
- Which card should you get?
- T
- 9. Maximize trade-in value, if applicable
- Ways kid creators can earn online
- Important considerations when opening a Roth IRA
- The bottom line
- What does pet insurance not cover?
- How to avoid capital gains tax on home sales
- Roth IRA vs. traditional IRA: What's the difference?
- How much is the gift tax rate?
- 6. MoneyLion: Best for existing customers
- Final thoughts on the different United economy fare classes
- Simplified: Best content creation software
- Medigap plan types
- Walmart2Walmart
- Federal Realty Investment Trust (FRT)
- Benefits you 'may' have
- 9. Price out prepaid gas
- State child tax credits
- 17. Consolidate your debt
- What else do credit bureaus do?
- The bottom line
- What homeowners insurance won't cover
- 8. Design your bar
- Fuel card vs. business gas credit card
- After deciding
- ETF creation and redemption
- Ideal Chick-fil-A operator candidate
- Next steps
- How to claim lottery winnings
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Other lounge access cards
- The bottom line
- Earn an audience, and earn more in the long run
- When to file sole proprietorship taxes
- September
- Alternatives to no medical exam life insurance
- Discounts
- 10. Make the purchase
- Frequently asked questions
- S corporation
- Are dividends taxed?
- Completing the purchase of a car from a private seller
- 10. Walk or ride
- 7. Your Chase 5/24 count
- What is the $500 credit for other dependents (ODC)?
- Hotel-friendly benefits
- The bottom line
- 18. Refinance your student loans
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How do credit union loans work?
Credit unions are not-for-profit financial organizations that serve members who live, study, work or worship in a particular area. Each credit union is controlled by members, who elect volunteer board members to oversee the organization.
If you meet the credit union’s requirements, you can apply for membership, usually online. You may be required to open an account with an initial minimum deposit, typically $5 to $25. Once your membership is approved, you can access banking services, including personal loans.
Once you apply for a loan and are approved, you’ll receive the funds in your account and then repay the credit union in fixed monthly installments, with terms ranging from two to seven years.
Best credit union personal loans for 2024
If you don’t have a neighborhood credit union, nationwide options are available. The credit unions below lend in all 50 states and Washington, D.C., and you can likely apply for membership online.
Alliant: Best for fast funding
Becoming a member at Alliant doesn’t require a fee, and anyone is eligible by joining Foster Care to Success, a nonprofit organization that serves foster teens across the country. Alliant even pays the $5 membership fee to FC2S on your behalf.
Why it stands out: Alliant offers a wide range of personal loan amounts and can approve most borrowers the same day they apply. Once you sign the loan documents, Alliant can also provide same-day funding.
First Tech: Best for co-sign and joint loan options
First Tech mostly serves tech companies and their employees with personal loans up to $50,000.
Why it stands out: First Tech offers co-signed and joint loans to personal loan borrowers. By adding someone with a higher credit score or larger income to your application, you may boost your chances of getting approved. Co-borrowers are equally responsible for missed payments, but in a co-signed loan, only the primary applicant has access to the loan funds.
PenFed: Best for a seamless application process
PenFed is known for serving military members, but anyone can join the credit union by opening a savings account with an initial deposit of $5.
Why it stands out: Not only can anyone join PenFed, but unlike other credit unions, you can apply for membership as part of the loan application, letting you combine both these steps into one. PenFed also lets you pre-qualify online to see your potential rate, loan amount and monthly payment without affecting your credit score, so you can get an idea of your loan options before you apply.
Navy Federal: Best for military members
To be eligible for membership at Navy Federal, you must be active duty, retired or a veteran of any military branch; a Department of Defense civilian; or a family or household member.
Why it stands out: In addition to focusing on military members and their families, if you’re active duty or retired military, you can qualify for a 0.25 percentage point discount on your personal loan’s annual percentage rate, which lowers the overall interest you’ll pay on the loan.
Credit union personal loan rates
Rates for unsecured personal loans will depend on your credit score, credit history, income and debts.
Rates can also vary by type of credit union: federally chartered vs state-chartered.
Federal credit unions cap annual percentage rates at 18%. Your credit union may also charge an application fee that isn't part of the APR.
As of September 2023, the average APR for a three-year federal credit union loan is 10.58%, according to data from the National Credit Union Administration.
Lender | Typical APR range | Loan amounts |
---|---|---|
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 11.79% - 29.49%. | $1,000 to $100,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.99% - 17.99%. | $2,000 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 8.99% - 18.00%. | $500 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.49% - 18.00%. | $250 to $50,000. |
How to get a loan from a credit union
A low credit score alone won’t typically disqualify you from getting a loan from a credit union, because credit unions consider your whole financial picture, including your credit history and standing as a member with the credit union, when reviewing your loan application. Still, a good score will get you a lower rate than someone with bad credit, so it pays to check your credit score before applying for a loan.
Since credit unions come in many sizes, the application process, approval criteria, rates and other aspects of a personal loan vary. Many credit unions allow online loan applications, which typically ask for personal and contact information, Social Security number, employment and income details and any current debts.
» MORE: How to apply for a personal loan
Local or smaller institutions may require you to apply in-person or close the loan at a branch.
Credit union vs. online lender
Online lenders offer loans across the credit spectrum, so they’re another option for bad-credit borrowers (629 credit score or lower) who need a personal loan.
» MORE: See your bad-credit loan options
While credit unions only conduct a hard credit check — which can cause a small temporary dip in your credit score — most online lenders typically perform soft credit checks first to see if you pre-qualify for a loan.
Online lenders also offer online applications that don’t require you to visit a branch and typically fund loans quickly.
But loans from credit unions tend to be cheaper than those from online lenders, especially for borrowers with fair or bad credit scores. Borrowers with fair credit received an average APR around 18%, according to the most recent anonymized offer data from users who pre-qualified in NerdWallet’s lender marketplace.
Next steps
If you’re already a member and you can withstand a temporary hit to your credit score, a credit union may get you the cheapest loan. NerdWallet recommends comparing loans from multiple lenders.
You can pre-qualify with online lenders on NerdWallet and compare your estimated rate with one from your credit union.
on NerdWallet