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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
- Compare types of bank accounts
- Compare your business loan options
- 6 steps to opening a Roth IRA
- See how to get your business started quickly
- When is the best time to pay your credit card bill?
- What is the earned income tax credit?
- Fidelity is best for:
- Charles Schwab is best for:
- What is an FHA loan?
- » This page is out of date
- Definitions: Money Transfer Rates
- What is market capitalization?
- What is innocent spouse relief?
- What is a 401(k)?
- Bluevine Business Checking
- What is a W-4?
- What is a Treasury bill?
- Key takeaways
- Why is retirement planning important?
- Ready to get started? Here's what to do next
- See CD rates by term and type
- What is a corporate bond?
- What is a budget planner?
- Are IRA contributions tax-deductible?
- Life insurance buying guide
- Our take
- What is dividend reinvestment?
- What is the sales tax deduction?
- What is the Medicare tax?
- Dollar-cost averaging definition
- Steps
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 5 Best Ways to Send Money Internationally
- What are dividend stocks?
- What is an after-tax 401(k)?
- How much emergency fund should I have?
- What is the saver’s credit?
- What is a credit freeze?
- Investing 101: A summary of the basics
- Work from home jobs often pay more
- What is a routing number?
- What is FICA tax?
- 5 steps to fill out a money order
- Stocks
- Real estate vs. stocks
- What is a Roth 401(k)?
- What is an emergency fund?
- 2024 child tax credit news update
- Option 1: Use your tablet as a phone over Wi-Fi
- How to buy AMD stock
- What are clean energy ETFs?
- What does it mean to be 'in escrow'?
- Bond ETF definition
- What is an index fund?
- Are game show winnings and prizes taxable?
- U.S. passport renewal
- Hulu subscription cost
- The cheapest car insurance companies by category
- What is a goodwill letter or late payment removal letter?
- Interest rate vs. APR
- Cost of selling a house: Most common expenses
- 7 best-performing AI stocks
- Types of savings accounts
- What is a Roth IRA account?
- Best-performing biotech ETFs
- 7 of the best apps to make money
- 6 things to know about United's delayed flight compensation
- S&P 500 index (SPX) today
- Best ETFs as of March 2024
- Georgia state income tax rates and tax brackets
- What is a deferment on a personal loan?
- How to get paid on YouTube
- How Hawaiian Airlines seat selection works
- 1. Report lost debit cards ASAP
- Institutions with low or no overdraft fees
- 1. Disney FastPass has been replaced
- Making money with Rover
- Microsoft Office Excel budget templates
- What is a credit-based insurance score?
- Temu
- What is a solo 401(k) plan?
- When to follow up after no response
- How much are taxes on lottery winnings?
- Best Medicare Advantage companies
- What you need to open a bank account
- Calculate your debt-to-income ratio
- How much is YouTube TV a month?
- Fidelity® Rewards Visa Signature® Card: The basics
- What are Vanguard index funds?
- How to use a savings goal calculator
- How much should you spend on rent? It depends
- What is Sam’s Club?
- What are brokerage fees?
- What you need to know
- What's the best S&P 500 ETF?
- Estimated Hawaii trip cost
- What is cryptocurrency?
- What is tax evasion?
- How to find a passport number on your passport
- How the Hilton Grand Vacation Club works
- IHG Executive Club Lounges
- Best stocks by one-year performance
- 1. Leverage free trials
- Contact your lender right away
- 1. Buy your own cable modem and router for cheaper Wi-Fi (over time)
- Are there safe investments with high returns?
- Can you cancel your Alaska Airlines flight?
- Why are Breeze flights canceled
- 1. Certificates of deposit (CDs)
- What to expect flying American Airlines Main Cabin Extra
- What it means to diversify
- Where can you work as a Dasher?
- Egg prices
- Valentine’s Day date and gifts cost $188, on average
- What is a savings account?
- What is the Medicare tax rate?
- What is VIX?
- How to calculate interest in a savings account
- Priority Pass network options at LAX
- What is an installment loan?
- 1. The Centurion Black Card is invitation-only
- Delta premium economy seats
- Why is having a low credit utilization important?
- 1. Sell spare electronics
- Most profitable small businesses
- Who can claim the saver’s credit?
- January
- Frugal food tips
- Best banks and credit unions
- The value of Bitcoin can be extremely volatile
- 5 best gas apps to help you save money
- Fidelity at a glance
- The best flight booking sites
- Calculate your closing costs
- What is AD&D insurance?
- FICA tax rate 2023-2024
- General advice for international money transfers
- 3 steps to selling stocks
- How to find your British Airways baggage allowance
- Best day to book a flight
- How to pay for Airbnb with points
- What qualifies for innocent spouse relief?
- 21 Small-business tax deductions
- Step 1: Check your credit
- California state income tax brackets and rates
- FuboTV cost per month
- First, some background
- What are the best retirement plans for you?
- What is zero-based budgeting?
- 1. Start investing as early as possible
- How do LLC taxes work?
- How to manage your money
- The best budget apps
- How we found the best travel insurance
- Average real estate agent commission
- Best-performing clean energy ETFs
- APY vs. interest rate: What’s the difference?
- How do CDs work?
- Biggest bond ETFs
- Create a budget plan that works for you
- If you don't have a work retirement plan
- What is a modified endowment contract?
- How to get a tax transcript
- Pros and cons
- How does it work?
- Is dividend reinvestment a good idea?
- Online car-buying retailers
- What matters most for VantageScores
- Where to find your homeowners insurance declarations page
- Building a Twitch audience
- What is a call option?
- 1. There are 2 Emirates credit cards
- What is a growth stock?
- Where to find information for the calculator
- Roth IRA contribution limits 2024
- How is APR calculated?
- 1. You can use it only on certain health care purchases
- 6 hardship loans for bad credit
- 8 tips for finding a tax preparer or tax professional near you
- 1. Traditional IRA
- How to pay your federal taxes in 2024
- How to spot origination fees
- A quick look at the billing cycle
- Charles Schwab at a glance
- Best ways to consolidate credit card debt
- 1. Skip the airport
- 1. Fill in the recipient’s name
- 1. Balance alerts can help keep spending in check
- HELOCs and home equity loans compared
- 8 places with alcohol in the Magic Kingdom
- Small-town business ideas
- Faster insurance applications
- 1. You've moved to a different climate
- What does market cap mean?
- Pros of a condo vs. a house
- Options for getting a higher credit limit
- When to refinance your car loan
- Leverage bonus categories
- How Treasury bills work
- How do gas fees work?
- At a glance
- 1. Get treated like a VIP at the airport
- How to improve your financial health
- 1. Book early before prices go up
- What is adjusted gross income (AGI)?
- What is pay transparency?
- Accessing credit card rental car insurance
- Option 2: Use your tablet like a phone with a data-only plan
- You’ll likely be charged fees
- The best ways to book flights
- Disney’s new FastPass system
- Types of depreciation
- Stock chart components
- Conforming loan limits
- American Family
- 1. Clean up your credit
- Don't brag about your points savviness
- Types of business licenses: The basics
- Late winter and early spring
- Travel rewards
- How to calculate the cost of starting a business
- What is the lowest credit score to buy a house?
- Can you get a travel insurance refund?
- 1. Know your bank’s mobile check deposit requirements
- What’s deductible
- Our picks for the best life insurance companies in March 2024
- Hulu Live TV cost
- Best free e-commerce website builders at a glance
- How do credit union loans work?
- Do goodwill letters work?
- How much do Instagram influencers make?
- Go back to basics
- Roth IRA vs. traditional IRA: What's the difference?
- What is the standard deduction?
- How biotech ETFs work
- How after-tax 401(k) contributions work
- The best money-making apps
- 2. Sell your gift cards
- Why you (probably) can't game the system
- What does it mean to invest in the S&P 500?
- How to freeze your credit with all 3 bureaus
- How to make money online
- How to defer a personal loan payment
- How to find your EIN
- What is an overdraft fee?
- Mint vs. NerdWallet at a glance
- When you’ll need your routing number
- What did the Supreme Court decide?
- Where to get home insurance quotes
- Plastiq: The basics
- What are estimated tax payments?
- Wise
- How Self — formerly Self Lender — works
- An alternative to traditional real estate: REITs
- The 25-year rule
- Lottery tax calculator
- How does a 401(k) work?
- Can I contribute to both a 401(k) and a Roth 401(k)?
- Why do I need an emergency fund?
- What are the types of business insurance?
- Points: Rewards on spending
- Maximum debt-to-income ratio to buy a house
- What minimum credit score is needed to buy a car?
- Paying taxes with a credit card means paying fees
- Tax filing status options
- What is the price of a Sam’s Club membership?
- IRA contribution rules
- What is cash flow used for?
- Why does tipping matter?
- How much is condo insurance in Florida?
- What is tax avoidance?
- What type of car insurance do I need?
- When can you retire?
- Spirit Airlines bag fees
- What’s a good credit score with FICO vs. VantageScore
- 2. Use a free TV streaming site or app
- How to invest in stocks in 6 steps
- 50 best small businesses to start
- Types of corporate bonds
- How do index funds work?
- Key findings
- Merchants push for lower fees
- Steps to selecting seats on planes
- Top credit cards for sports fans and athletes
- What is the 10-year Treasury?
- What are the requirements for delivering with DoorDash?
- What kind of prize tax will you have to pay for winning a game show?
- How to understand the calculator results
- What is the CHOICERenovation loan?
- How SeedFi's credit-builder loan works
- The three benefits of dollar-cost averaging
- The basics of VIX
- 11 best investments right now
- Roth IRA income limits 2024
- 20 high-dividend stocks
- 2. It will cost you $10,000 to get one
- Best life insurance for children in March 2024
- How to lower your credit utilization
- ETF advantages and disadvantages
- Saving vs. investing
- What does the value of Hilton points mean?
- How does the earned income credit work?
- Compare car insurance rates by age
- How much are closing costs?
- Where can you buy lottery tickets with a credit card?
- Will your tax refund be garnished?
- What are American Airlines Loyalty Points?
- What is the child tax credit?
- How to fill out a W-4
- Best for size of network: UnitedHealthcare
- How does a home equity loan work?
- Top credit cards you can use instantly after approval
- Median income by state: 2022
- Why the Chase Sapphire Preferred® Card is better for most people
- Does Spirit give refunds?
- Wise is best for:
- What is infinite banking?
- 1. Take inventory of your finances
- Are these the best stocks to buy now?
- How do real estate agents get paid?
- Top credit cards for transit and commuters
- Do you need insurance to rent a car?
- Fidelity CD rates
- 1. Rooms are among the largest and most luxurious out there
- Our take
- The best metal credit cards
- What is Breeze Airways’ cancellation policy?
- The basics of the Southwest Companion Pass
- How do I set up a dividend reinvestment plan, or DRIP?
- The role and tools of the Federal Reserve
- Why are gas prices going up?
- Points: Spending rewards
- Most agree men should pay on the first date in hetero relationships
- Our picks for the best return-of-premium life insurance companies in March 2024
- 1. Affirm
- Why you need a savings account
- Why buy dividend stocks?
- Other Medicare tax details to know
- Square Online: Best free e-commerce website builder
- 1. The card you get depends on your membership tier
- Regular savings accounts
- Pros and cons of installment loans
- How to choose the best crypto wallet
- The Gold Card’s features
- 3. Pawn something
- Best car insurance in New York overall: Travelers
- 2. Genie+ costs money
- 1. Request a balance transfer
- Working from home jobs are growing
- Google Sheets budget templates
- How to calculate your home equity
- Shein
- Best day to fly
- What is an Equifax business credit report?
- How a higher credit limit can help you
- What can I add on to YouTube TV?
- Work out how much of your income should go to rent with the 50/30/20 rule
- How to choose an S&P 500 ETF
- Tablet calling is easy
- Find your FSA ID
- YNAB, for hands-on zero-based budgeting
- Short-term mortgage assistance: Forbearance
- 2. Reduce your internet speed for a lower price
- Safe, FDIC-insured and government-backed options
- Best affordable homeowners insurance in Texas: State Farm
- MassMutual life insurance
- How does Algo work?
- Who is Warren Buffett?
- What is the Preferred Rewards program?
- Aflac life insurance
- What tax bracket will you be in after winning your money?
- What’s on a home insurance declarations page?
- How is VIX calculated?
- How we ranked the top life insurers
- Applying for a U.S. passport for the first time
- NerdWallet's 2019 Bank Award Winners
- How to avoid repossession after missed car payments
- How to write a late payment removal letter
- What is the difference between deferment and forbearance?
- How many Instagram followers do you need to make money?
- Delta premium economy menu
- 1. IRS Direct Pay
- Frugal shopping tips
- How to compare lender fees and rates
- Hawaiian seat selection fees
- Crypto exchanges can fail
- Best affordable homeowners insurance in California: Travelers
- What does AD&D insurance cover?
- 2. Write your address in the purchaser section
- Understanding the stock market
- 2. You hit a pothole, curb or nail
- How to write a follow-up email after no response
- How do lottery taxes work?
- What are the Roth 401(k) contribution limits?
- How much should I save?
- How credit scores affect auto loans
- Is there a Sam’s Club Membership discount?
- Wise pros
- Why is pay transparency important?
- Best affordable homeowners insurance in Iowa: Auto-Owners
- The difference between tax evasion and tax avoidance
- Check your number online
- You may be offered a rollover or renewal
- 3. Look for offers from cell phone carriers
- Which one is important to know for savings accounts?
- Advantages of bond ETFs versus individual bonds
- Why invest in index funds?
- If you do have a work retirement plan
- 2. Cash management accounts
- How to use the jumbo loan calculator
- Capital One SavorOne Cash Rewards Credit Card
- Do share tips with friends who are interested
- Portfolio rebalancing strategies
- Types of business licenses: Local licenses and permits
- What you need to know about savings accounts
- 2. Confirm the check amount is within mobile deposit limits
- Best-performing growth stocks
- How does a Roth IRA work?
- When to use an installment loan
- How we ranked the top life insurers
- 2. Roth IRA
- Where to stash your emergency fund
- Information you need to freeze your credit
- February
- Calculate how much deferment can cost
- Paying early could help your credit
- How to find your routing number
- How FICA tax works
- Bonds
- 2. Spending analysis tools help you with your budget
- 1. You can pre-qualify without hurting your credit scores
- Credit-based insurance score vs. regular credit score
- Real estate vs. stocks: Which makes more money?
- Innocent spouse relief form
- Chase Sapphire Preferred® Card
- Deposit rewards into a Fidelity account
- How do Vanguard index funds work?
- T-bill purchase example
- How much do they cost?
- How investment and brokerage fees affect returns
- 2. Fly on the holiday to save
- What is a mega backdoor Roth?
- Zero-based budgeting example
- Why do people invest in cryptocurrencies?
- How LLCs pay income taxes
- 5 steps for retirement planning
- Clean energy ETFs in detail
- Blue Cash Preferred® Card from American Express
- Alaska Airlines' flight cancellation policy
- General travel credit cards
- At a glance
- What are ERC-20 tokens?
- How does DoorDash work for drivers?
- Holiday weekends
- Steps to fill out the FAFSA for U.S. citizens with undocumented parents
- Knowing and improving your credit
- How SeedFi's credit-builder plan can help or hurt your credit score
- 2. Both earn the same ongoing rewards
- Best credit union personal loans for 2024
- Should you compare mortgage rate or APR?
- 2. It’s a deferred interest card ...
- Investing for income: Dividend stocks vs. dividend funds
- 8 best hot wallets
- 4. Work today for fast cash today
- 2. Account frozen? Submit documentation
- How do you calculate closing costs on a house?
- FHA vs. conventional loans
- 3. Include your account number if you're paying a bill
- When are estimated taxes due?
- AAdvantage elite status requirements and timing
- Market cap segments
- The lure of ‘JDM’ cars
- What are the benefits of a Roth 401(k)?
- How much is the 2023 child tax credit?
- Step 2: Pre-qualify and compare offers
- How debt-to-income ratio is calculated
- Head of household
- Roth IRA income and contribution limits 2023
- How to calculate adjusted gross income
- Wise cons
- The pros and cons of a life insurance trust
- What if I want to finance my vehicle purchase?
- How to find the best stocks to buy now
- 4. Invest in a digital antenna
- How to book Main Cabin Extra
- Pros and cons of company DRIPs
- What is the 10-year treasury yield today?
- 3. Endorse the check
- Is dollar-cost averaging a good idea?
- How to make money as a novice
- Hulu add-ons
- How to monetize your Instagram with fewer followers
- Prioritize the essentials
- 3. You can request a Centurion Card invite online
- How the standard deduction works
- Benefits of after-tax contributions
- Should I buy stocks when markets are at all-time highs?
- Do I have to pay Georgia state income tax?
- How to select seats on Hawaiian Airlines flights
- Overdraft protection
- Other alternatives to Mint
- Earned income tax credit 2023
- 2. Shop around online
- Solo 401(k) contribution limits
- How to apply for a Self credit-builder loan
- How innocent spouse relief works
- What is the difference between Sam’s Club memberships?
- 2. Tack on a free extra night at the hotel
- Building foundations
- What are the types of cash flow?
- How does infinite banking work?
- Hilton Honors points vs. Hilton Grand Vacation Club points
- Who pays the real estate commission?
- Example of the difference between APY and interest rate
- Does my car insurance cover rental cars?
- How Fidelity CDs work
- Who’s saving what?
- How does MEC insurance work?
- MassMutual life insurance policies
- Do consider splitting the cost evenly on credit cards
- Car concierges
- How is PCE calculated?
- Aflac life insurance policies
- 14 business startup costs to plan for
- What if you win a vacation or a car or something else instead of money?
- Dividend vs. growth stocks
- How to take advantage of the sales tax deduction
- VIX and volatility
- Can I contribute to a Roth IRA if my income is too high?
- Issuer pre-qualification pages
- Is it a good deal?
- How to avoid the fee no matter how you book
- What are AI stocks?
- How deferred payments affect your credit
- Keep any Bitcoin cold storage device safe
- Working from home job ideas
- How did we get here and what’s next?
- NerdWallet’s budget planner
- 3. Midcycle payments could boost your credit
- Do credit card issuers allow buying lottery tickets with a credit card?
- More personalized insurance rates
- Pros and cons of investing in real estate
- Think carefully before requesting a higher limit
- Should I choose a home equity loan or a HELOC?
- How much rent can you afford?
- What do pay transparency laws require?
- Track your school's deadlines
- Should you tip all kinds of massage therapists?
- Is converting to ThankYou points a good deal?
- Who pays for escrow services?
- 2. Discounts and freebies on other Disney lodging
- Types of tax transcripts
- Selling a car to Algo
- Why the Chase trifecta is better for most people
- 2. Rebalance your debts and income
- What is Berkshire Hathaway?
- What state has the highest gas prices?
- Why are eggs so expensive?
- Many agree couples should discuss money early
- Do you qualify for a refund if your trip is delayed or canceled?
- Savings accounts with strong APYs can help your money grow
- Is the CHOICERenovation loan right for you?
- VantageScore range
- Best life insurance companies: Pros and cons
- Buying a call option
- Goodwill letter template
- What is better: deferment or forbearance?
- Best life insurance for children: Pros and cons
- Understanding biotech ETF holdings
- 5. Seek community loans and assistance
- What the saver’s credit is worth
- Can you negotiate mortgage origination fees?
- 3. Ask your bank for relief
- 2. Wait for the transfer to go through
- What is withholding tax?
- How it works
- 4. Sign the bottom where it says 'purchaser’s signature'
- About home equity loans
- Amazon Shopping
- How to stop student loan tax garnishment
- British Airways overweight and oversized baggage fees
- More money now vs. later
- Use a different card if you’re only going to earn 1% back
- Are Vanguard index funds a good investment?
- Boosting your benefits with your tax bill
- How to calculate gas fees
- Mega backdoor Roth 2024
- Wise transfer methods and options
- Examples of tax evasion
- There may be collection calls
- 5. Borrow with your library card
- See CD rates by bank
- How to buy bond ETFs
- What is an index?
- Use a budget planner
- Basic stock chart terms to know
- Episode transcript
- 3. High-yield money market accounts (MMAs)
- What can you do with wrapped Bitcoin?
- How much do DoorDash drivers make?
- 2. Afterpay
- Examples of dollar-cost averaging (versus lump purchases)
- How to find growth stocks
- Shift4Shop: Best for B2B sellers
- 2. It's a solid choice for everyday use
- What are AI stocks?
- 3. … and it can also be a low-interest card
- March
- Best car insurance in New York for your budget: Progressive
- 3. It gets you toward the front of the line
- What isn’t covered by AD&D insurance?
- 2. It can help you build credit ...
- Stock trading information
- Should you refinance?
- Even smaller Kei cars
- Do I have to pay state tax on lottery winnings?
- Where do I put my emergency fund?
- Child tax credit 2024
- How much is YouTube TV for 1 year?
- Median income by city: 2021
- What is a FICO Auto Score?
- Pick a card to complement the Fidelity® Rewards Visa Signature® Card
- Who might prefer the Capital One Venture Rewards Credit Card
- 3. Sleep in on checkout day
- Roth IRA income and contribution limits 2024
- Are brokerage fees tax-deductible?
- You only need one S&P 500 ETF
- 2. Build a money management blueprint
- An alternative to chasing the best stocks
- Long-term mortgage assistance: Loan modification
- APY to interest rate calculator
- How to cancel your Alaska Airlines flight
- What to do if Breeze cancels your flight
- Amica
- The venue (average cost: $5,761)
- Best return-of-premium life insurance policies: Pros and cons
- How are dividends paid out?
- Our tips
- Your passport may need at least six months' validity remaining
- Definitions
- 5 ways to make money on Instagram
- Take help where you can
- What is a hardship loan?
- What can you invest in with a Roth IRA?
- 4. You need to be a big spender to get a Centurion Black Card
- 3. SEP IRA
- 6. Ask for forbearance on bills
- Frugal entertainment tips
- Should you invest in the stock market?
- Overdraft fees by institution
- Best homeowners insurance in California for coverage: Chubb
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- Estimated tax payments 2024
- OFX
- Credit-builder loans vs. secured cards
- Cons of a condo vs. a house
- Types of innocent spouse relief
- Best for extra perks: Aetna
- Treasury bill rates compared to other Treasury securities
- 3. Redeem points for your flight or hotel stay
- 401(k)s and other employer-sponsored retirement plans
- 2. Decide how much to invest
- How to cut your Hawaii vacation costs
- How long does it take to get auto insurance?
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- How to add your companion on a Southwest flight
- How the federal funds rate impacts prices
- All year
- How card rewards add up
- Are game show winnings taxed differently than gambling winnings?
- 4. Open the mobile deposit function in your bank app
- VantageScore 4.0
- About Medicare
- 3. You’ll get instant status, but keeping it long-term is pricey
- Does Hulu allow password sharing?
- Roth IRA contribution limits 2023
- Goodwill letter vs. credit dispute letter
- Other ways to manage payments during a financial hardship
- 4. Monitor bank transactions online
- FHA loan requirements
- Other payroll tax items you may hear about
- 5. Keep your receipt
- Comparing stocks and bonds
- 3. Your tires are losing traction
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- California income tax deadlines and extensions
- ITIN: What it is and how to get one
- How to meet your monthly savings goal
- Fubo add-ons
- Stacking up wins
- Investment fee calculator
- Which states have pay transparency laws?
- Best homeowners insurance in Iowa for coverage: State Farm
- How to start a zero-based budget
- Why is Bitcoin still popular?
- How does a life insurance trust work?
- Negotiating a lower real estate commission
- What is an escrow account?
- 3. Negotiate with your internet provider for a better deal
- Monthly costs included in the jumbo loan calculator
- Is wrapping Bitcoin a taxable event?
- Traditional IRA deduction rules
- Don’t talk points when you’re treating someone
- Price vs. yield
- CFAR travel insurance add-on offers greater flexibility
- How a savings account works: withdrawal limits
- Should you buy growth stocks?
- Money market accounts
- 7. Request a payroll advance
- How to invest in the S&P 500 in two steps:
- How to unfreeze your credit
- What is my Georgia residency status for state income tax purposes?
- Watch out for Bitcoin scams
- Paying early also cuts interest
- What should I do now?
- The Federal Trade Commission’s budget worksheet
- 4. Bonus malls and offers can earn stellar rewards
- Will you earn credit card rewards by purchasing lottery tickets?
- What's next?
- Child tax credit expansion: What the tax deal could mean for you
- Other factors can help you buy a car with bad credit
- How much does it cost to buy Vanguard index fund shares?
- Traditional IRA deduction limits 2023-2024
- Where to find your AGI on your 1040
- The best Florida condo insurance companies
- How to get into IHG’s Executive Clubs
- What a good credit score can get you
- 6. Share a friend's or relative’s account
- 3. After-party discounts
- Saving for emergencies, retirement and vacations top list
- Best in Texas for having few consumer complaints: Chubb
- What state has the lowest gas prices?
- Travel and entertainment perks
- PCE vs. CPI
- New CHOICERenovation provisions
- What if you can’t wait that long to renew your passport?
- How does Hulu fit into your budget?
- Savings account simple interest vs. compound interest
- Roth IRA income limits 2023
- Top credit cards that offer preapproval without a hard pull
- How to get a hardship loan
- Are Roth IRAs insured?
- Standard deduction 2023
- Strategies for after-tax 401(k) contributions
- 2. Electronic funds withdrawal (EFW)
- Glossary of overdraft terms
- How do Hilton points compare to other hotel programs?
- Earned income tax credit 2024
- Bank of America routing numbers
- Why do I have to pay FICA tax?
- 3. ... But its potential annual fee may cost you
- Walmart
- Simpler claims, and maybe fewer of them
- Self offers a related secured credit card
- Buying an imported car
- Your tax rates now vs. later
- Perks: Goodies that come with the card
- How to get a home equity loan
- Blue Cash Preferred® Card from American Express
- Does YouTube TV allow password sharing?
- 4. Handle incidentals seamlessly
- Pros of infinite banking
- Request your passport number from the State Department
- You may be taken to court
- Goodbudget, for hands-on envelope budgeting
- Where you can use your Hilton Grand Vacation Club points
- Rental car insurance vs. your own auto insurance
- No guarantee that savings will be passed on
- Pros and cons of a modified endowment contract
- MassMutual customer complaints and satisfaction
- 4. Peer-to-peer lending
- American Airlines premium economy vs. Main Cabin Extra
- 3. Don’t ask for too much cash
- Car brokers
- Aflac customer complaints and satisfaction
- 5. Take clear pictures of the check with your mobile device
- The cost of debt without a balance transfer
- 6 types of dividends
- How to claim the sales tax deduction
- How to get a VantageScore
- Can I buy VIX?
- Best life insurance company overall: MassMutual
- 1. High-yield savings accounts
- 3. But not all BJ's purchases earn extra rewards
- Tips for avoiding late payments
- 4. Your account is available immediately upon approval
- 5. Centurion Cardmembers still get to bring guests into the Centurion lounge
- 4. Nondeductible IRA
- What's next?
- Saver’s credit rates for 2023
- 5. Know the bank’s timeline
- 3. Pay off your balance
- Making money with Wag
- When to estimate closing costs
- How to sign up for AD&D insurance
- 5. Moving your due date can keep you on track
- About home equity lines of credit
- Who should make estimated quarterly tax payments?
- If your student loans were in default before the pandemic
- 4. You hear tire noise or feel vibrations or pulling
- How do I build an emergency fund?
- Are Treasury bills a good investment?
- Which card should you get?
- Does the cost of FuboTV fit into your budget?
- How do you sign up for a Sam’s Club membership?
- Estimate the amount of aid you're eligible for
- Lightning Lane Pass
- 4. Bundle your services for a better combined price
- How much do index funds cost?
- More advanced stock chart terms
- Algo details and FAQs
- How to buy wrapped Bitcoin
- IRA income limits
- What’s not on a home insurance declarations page
- Big Cartel: Best for small businesses with limited inventory
- How to find help
- What’s a spousal Roth IRA?
- What is a revolving loan?
- Amenities and other perks
- How to choose a biotech ETF
- 8. Take a loan from your retirement account
- April
- Frugal DIY project tips
- How to find another company's EIN
- 4. Genie+ doesn’t include all rides
- 4. Leverage memberships
- The costs
- What are the risks of buying lottery tickets with a credit card?
- Bull markets vs. bear markets
- Innocent spouse relief vs. injured spouse relief
- Should I take a lump sum payment or annuity payments?
- Take advantage of perks and protections
- Credits
- Why should I open a bank account if I'm undocumented?
- Qualifying surviving spouse
- Factor in other costs
- More about these investment expenses
- Your 401(k) plan allows after-tax contributions
- What if you’re unhappy with your massage?
- Spirit Airlines change fees
- Managing expectations
- Mortgage assistance tips
- More details about Fidelity CDs
- Pros and cons of brokerage account DRIPs
- Which stocks is Warren Buffett buying?
- How much should you spend on a mattress?
- 3. Apple Pay Later
- Where Aflac stands out
- How to keep your head above water after winning a game show prize
- How to make money as a Twitch Affiliate
- How much interest will I earn on $10,000?
- Deferment vs. forbearance for private student loans
- OpenSky® Secured Visa® Credit Card
- How to invest in dividend stocks
- How can I access these lounges?
- How to invest in AI stocks
- Best car insurance in New York for having few customer complaints: The Hanover
- How to get overdraft fees waived
- 6. Strategic card combinations amplify rewards
- How many banks have collapsed?
- What are British Airways carry-on bag size dimensions?
- Earning AAdvantage Loyalty Points through flying
- Pros and cons of investing in stocks
- Financing and insurance
- Do I have to pay California state tax?
- How to lower debt-to-income ratio
- Does YouTube TV offer offline viewing?
- Use the high credit limit responsibly
- The significance of adjusted gross income
- The pros and cons of zero-based budgeting
- 3. Open an investment account
- Benefits of booking business and group travel with Southwest
- 7. Check your app store for free downloads
- Why invest in clean energy ETFs
- 4. Dining, shopping, ticket and tour discounts
- How MassMutual compares to other insurers
- How to rebook
- Do share — and be tactful — with your significant other
- Why is there an egg shortage?
- When is the PCE released?
- How to use the CHOICERenovation loan
- VantageScore vs. FICO
- Calculate your reduced Roth contribution
- 5. It’s one of several ways you can pay for medical expenses
- Certificates of deposit, or CDs
- Standard deduction 2024
- 9. Borrow against life insurance
- Best homeowners insurance in California for consumer experience: Nationwide
- More ways to take charge of your budget
- What’s a 'good' insurance credit score?
- Covering your spouse under your solo 401(k)
- W-4 form 2024
- 5. Pay the trip off over time, sans interest
- Exceptions to IRA contribution limits
- 4. Check cancellation and change policies
- How to change or cancel your Spirit reservation
- Credit cards that don’t cover some EV car rentals
- 5. Check on assistance programs for a monthly discount
- How do corporate bonds work?
- Diversifying with index funds
- Auto-Owners
- Where Aflac falls short
- Reasons why a traveler might cancel their travel insurance policy
- Next steps
- How to invest in AI stocks
- Other hardship loan options
- 5. Spousal IRA
- How to buy biotech ETFs
- Saver’s credit rates for 2024
- 6. Rebounding from bank account fraud
- Why the due date is so important
- How to convert Hilton points to dollars
- Additional functionality
- How to qualify for the earned income credit
- What's next?
- What info do you need for a home insurance quote?
- Shop
- 5. Your tires are more than 6 years old
- What is factored into an Equifax business credit report?
- Step 3: Choose your lender and loan
- Best for local support: Blue Cross Blue Shield
- Are home equity loans a good idea?
- How can you reduce your fees?
- Is a Sam’s Club membership worth it?
- Your 401(k) lets you move your after-tax money
- Best homeowners insurance in Iowa for consumer experience: American Family and Nationwide
- Types of life insurance trusts
- What affects your credit score?
- What else to know when buying Fidelity CDs
- Life insurance policy vs. modified endowment contract
- More about MassMutual
- 5. Online savings accounts
- What is American Airlines Main Plus?
- Why is the 10-year Treasury yield important?
- How long does it take to make money with DoorDash?
- Mattress-buying tips
- How much to keep in your savings account
- 6. Confirm the check details and complete the deposit
- 4. The cards travel well
- 6. The Centurion Black Card offers an unbelievable level of concierge service
- 10. Use a credit card cash advance
- Investing in Bitcoin and other cryptocurrencies is risky
- Chase routing numbers
- What do closing costs include?
- The cost of AD&D insurance
- Xoom
- What happens if you don't stop a tax offset?
- Self loan fees and penalties
- Should I file taxes now or wait for the child tax credit expansion?
- Does YouTube TV fit in my budget?
- What causes Treasury bill rates to fall?
- Cash flow vs. income vs. profit vs. revenue
- U.S. Bank Cash+® Visa Signature® Card
- How to get a refund on Alaska Airlines
- How to get a refund
- 4. Consider a co-signer
- ‘Long and variable lags,’ and other factors
- How are gas prices determined?
- How do balance transfers work?
- How to use your homeowners declarations page
- Calculate the cost of deferment vs. forbearance
- How to open a Roth IRA in 6 steps
- Pros and cons of revolving loans
- May
- Compare the best savings and money market accounts
- 4. And those fees can lower your initial credit limit
- Dining reservations
- How to open a solo 401(k)
- How do I deal with lottery taxes?
- Look for savings
- 5 types of employer-sponsored retirement plans
- How does cryptocurrency work?
- How to negotiate with a payday lender
- Should I join the Hilton Grand Vacation Club?
- Legal challenges to 'coupled' agent commissions
- Best homeowners insurance in Texas for consumer experience: Nationwide
- How do I get a copy of my actual tax return?
- Don’t go crazy over points
- Which stocks is Warren Buffett selling?
- Car-buying programs
- More about Aflac
- 7. Keep the check until it's processed
- Making minor renovations? Consider CHOICEReno eXPress
- Best life insurance company for applicants with HIV: Guardian
- Buying a call option vs. owning the stock
- 4. The premium card offers additional perks
- Ecwid: Best free way to add e-commerce to existing websites
- 5. There are consequences if you change your membership level or cancel
- 11. Look for a payday alternative loan
- How to find AI ETFs
- 3. The Electronic Federal Tax Payment System (EFTPS)
- What is Georgia's standard deduction?
- Frugal home expenses tips
- 4 ways to start investing
- 5. Genie+ is available at multiple parks
- 7. 0% APR promotions can save you big on interest
- How to increase your British Airways checked baggage allowance
- Stock market crash vs. correction
- Tips to find cheap flights any day of the week
- 401(k) withdrawals
- Roth 401(k) withdrawal rules
- How to redeem rewards on the Costco Anywhere Visa® Card by Citi
- How to find the 2024 W-4
- What is California's standard deduction?
- Doing great
- Spirit Reservation Credits
- Benefits of booking corporate travel with Southwest
- LLC payroll taxes
- Learn more
- How credit card rewards look in other countries
- Do I pay taxes on reinvested dividends?
- When to use a revolving loan
- Standard deduction for those 65 or older
- 6. SIMPLE IRA
- Calculating the value of the saver's credit
- How to freeze your child’s credit
- How to change or cancel an EIN
- Best car insurance in New York for ease of use: State Farm
- Other tips for managing your bill
- 5. Opt for economy cars
- Why you may not be getting a response after an interview
- How quickly could the IRS implement the child tax credit expansion?
- Married filing jointly
- What is your modified adjusted gross income (MAGI)?
- Contact your school's financial aid office if you're expecting less aid
- What if you can’t afford to tip?
- Best for emergency medical coverage: Allianz Global Assistance
- How to get a good credit score
- Quick start guide: How to invest in index funds
- NFL Extra Points Visa® Credit Card
- Are 10-year Treasury notes a good investment?
- How can you make more money with DoorDash?
- How to cancel a travel insurance policy
- Alternatives to savings accounts
- 2. Certificates of deposit
- Credit union personal loan rates
- Other Roth IRA rules
- Consider income-driven repayment instead
- Optional costs to sell a house
- How to find AI ETFs
- Similar to savings accounts
- The bottom line
- How much does it cost to invest in the S&P 500?
- More reading about ETFs
- Compare the best CD accounts
- Full list of best homeowners insurance in California
- Wells Fargo routing numbers
- No-closing-cost mortgages
- AD&D insurance vs. life insurance
- How to calculate quarterly estimated taxes
- Average car insurance rates for poor credit
- Target
- How do I grow my home's equity?
- Credit unions and banks that don’t require Social Security numbers to open an account
- Citi Custom Cash® Card
- How to build your credit before car shopping
- Other tips for paying taxes on credit cards
- You’ve got money left over for savings
- IRAs
- 4. Pick an investment strategy
- How is cash flow represented in financial statements?
- Cons of infinite banking
- The cheapest Florida condo insurance companies
- Alternatives to paying traditional real estate commissions
- 5. Member gifts
- Credit card and travel insurance that can get your money back
- Are there other ways to get tax records?
- How to get American Airlines Main Cabin Extra Seats for free
- Do apply the 'business lunch' standard
- How often and when to rebalance your portfolio
- 4. Klarna
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- If you're considering booking Delta Air Lines premium economy
- 12. Get a personal loan
- 6. Genie+ can sell out
- How to compare home insurance quotes
- Why did First Republic Bank fail?
- Will my spouse’s refund be garnished, too?
- How to incorporate market cap in your portfolio
- Make your own 'Airbnb credit card'
- Step 4: Gather loan documents
- Next Steps:
- 5. Line up your travel perks for the holiday season
- How are cryptocurrencies created?
- Examples of tax avoidance
- Brokered CDs have risks and rewards
- 6. High-yield checking accounts
- Traditional IRA withdrawal rules
- Key takeaways of dividend reinvestment
- Final thoughts regarding a travel insurance refund
- What to look for in a balance transfer card
- 5. A general travel rewards card is better for most
- The bottom line
- Do dining plans include alcohol?
- Next steps:
- Requirements: Who qualifies for the child tax credit?
- Do I have to update my W-4 every year?
- What part of my income gets taxed by California?
- How do you buy Vanguard Index fund shares?
- EveryDollar, for simple zero-based budgeting
- Opening new accounts
- What's next?
- Full list of the best home insurance companies in Texas
- Country Financial
- 5. Use collateral to secure the loan
- What are Berkshire Hathaway’s holdings?
- The wedding invitations (average cost: $215)
- Travel and shopping protections
- Contributing too much to a Roth
- 7. AmEx offers Centurion cardmembers exclusive perks
- June
- What's the tax filing deadline for my Georgia state income tax bill?
- Compare the best checking accounts
- Who counts as a qualifying child for the earned income credit?
- 5. The APR runs high
- Best for low-cost plan availability: Humana
- How your car loan can help you build better credit
- Is condo insurance required in Florida?
- How to look up passport numbers recapped
- Other options if you can't pay a payday loan
- How do you buy 10-year Treasury notes?
- Types of gas
- Protection and insurance benefits
- How to make money as a Twitch Partner
- WooCommerce: Best e-commerce plug-in for WordPress users
- You don’t need to have $10,000 to take advantage of compound interest
- Repayment options for federal and private loans in default
- 7. Self-directed IRA
- Are after-tax 401(k) contributions right for me?
- 13. Rent out a room
- Secure 2.0 changes: Saver's match
- When should you freeze your credit?
- How much does homeowners insurance cost in California?
- 6. Stick to one driver
- The importance of diversification
- Can you pay taxes with a credit card? Yes. But should you?
- Tip: Some business travelers can add EarlyBird Check-In
- Consequences of tax evasion
- How to change your Southwest companion
- Why you might avoid Preferred Rewards
- Best life insurance company for consumer experience: Northwestern Mutual
- 3. Bonds
- Could we be in an AI bubble?
- Full list of the best car insurance in NY
- Disney FastPass recapped
- Working from home tips
- Online bank and credit union routing numbers
- The big question: Is AD&D insurance worth it?
- Do all auto insurers use credit-based insurance scores?
- MoneyGram
- Bottom line
- Full list of the best homeowners insurance in Iowa
- See if zero-based budgeting is right for you
- Why are there so many kinds of cryptocurrency?
- LLC self-employment taxes
- Breeze Airway cancellations recapped
- How to evaluate dividends
- Why are passport processing times suddenly so slow?
- How to get a loan from a credit union
- Compare the best banks, credit unions and cash management accounts
- Seller-paid closing costs
- Why did Silicon Valley Bank fail?
- Other shopping apps to help you save and earn
- Other ways to earn AAdvantage Loyalty Points
- Breakdown of scores
- How to adjust your Form W-4
- Am I a resident for California state tax purposes?
- How can you calculate cash flow?
- Risks with corporate bonds
- If you need to cancel an Alaska Airlines flight
- 6. DVC lounges
- How much does homeowners insurance cost in Texas?
- Do you pay tax on T-notes?
- Should you trade like Warren Buffett?
- How to earn more interest in a savings account
- Could we be in an AI bubble?
- Installment loans vs. revolving credit
- 8. Yes, you can buy a mansion or a private jet on a Centurion Card
- Standard deduction for dependents
- Is it worth going to a tax preparer?
- United Airlines flight delay compensation, recapped
- Can I claim the EITC without a child?
- Average cost of homeowners insurance in California by city
- What if I can't repay my student loans?
- Where to drink alcohol in the Magic Kingdom recapped
- Market capitalization vs. float-adjusted market cap
- Additional child tax credit
- Other limitations on EV car rental insurance coverage
- Fees to check in and obtain your boarding pass for your Spirit flight
- 6. Find the right lender
- 5. PayPal
- Where to find the best savings accounts
- How to start dollar-cost averaging
- Upgrade Cash Rewards Visa®
- Are these the best dividend stocks?
- 14. Moonlight as a dog sitter
- Cons of a credit freeze
- July
- 4. Debit card
- Other ways to save at the pump
- Work from home job scams
- 7. Use your own insurance
- What are the best Vanguard index funds?
- Married filing separately
- If you're planning holiday travel in 2024
- 5. Understand your investment options
- Which type of life insurance should I put in a trust?
- What does Florida condo insurance cover?
- Depreciation examples
- Using your credit card for rental car coverage
- Next Steps
- Selling a call option
- Looking for past years' saver's credit thresholds?
- How to track your Georgia state tax refund
- Compare the best bank accounts for students and kids
- Why you can trust NerdWallet
- How to estimate taxes for an income tax extension
- What's next?
- What company has the best rates for good drivers with poor credit?
- Step 5: Submit your application and get funded
- Steps to getting a refund from Spirit
- Retirement accounts for small-business owners and self-employed individuals
- LLC sales taxes
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Freewebstore: Most customizable e-commerce website for the price
- 9. You can get many of the Centurion Card's perks from The Platinum Card® from American Express
- 15. Become a rideshare or delivery driver
- Hawaiian Airlines seats for elite members
- How to claim the earned income tax credit
- Rover vs. Wag: Which dog-walking app should I choose?
- Other ways to get help
- Market capitalization vs. enterprise value
- Capital One Venture Rewards Credit Card
- How much does homeowners insurance cost in Iowa?
- Final thoughts on SWABIZ
- Are IHG Executive Club lounges worth the cost?
- Next Steps
- How to add a companion to an existing Southwest reservation
- Types of business licenses: State licenses and permits
- Why are California gas prices so high?
- The wedding dress and accessories (average cost: $1,907)
- Renew your U.S. passport now
- Credit union vs. online lender
- When can't you take the standard deduction?
- Summary of the best banks and credit unions of 2024
- The cheapest home insurance in California
- Best of the Blues: Highmark
- 7. Members-only events and trips
- Average cost of homeowners insurance in Texas by city
- The Hanover
- Best life insurance company for coverage amounts: New York Life
- What's the difference between a CPA and a tax preparer?
- 16. Cut your insurance premiums
- Credit freeze or credit lock?
- How much money can you make on YouTube?
- 8. Forgo the extras
- If you're considering renting an electric car
- Are cryptocurrencies financial securities, like stocks?
- Empower Personal Dashboard, for tracking wealth and spending
- Fees to select a seat ahead of time
- Citi Custom Cash® Card
- How to buy corporate bonds
- Related articles
- Should you invest in AI stocks?
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- August
- 2024 Georgia state income tax changes
- Hawaiian Airlines plane seating chart
- Why did Signature Bank fail?
- How to claim the child tax credit in 2024
- Other ways to get your money back
- Alternatives to infinite banking
- What to do if you want to come clean
- What is the perfect credit score, and how many people have it?
- Understanding depreciation in business and accounting
- Buying rental car insurance on your own
- Why you might want the AmEx trifecta
- More about the card
- Companies that offer return-of-premium riders
- How to pay estimated taxes
- Western Union
- Final thoughts on British Airways checked baggage allowance
- Lounge benefits
- LLC tax forms and deadlines
- 3. Make the most of your savings
- Final thoughts on picking plane seats
- Is Main Cabin Extra worth it on American Airlines?
- 6. Sezzle
- Should you invest in AI stocks?
- Discover it® Secured Credit Card
- How much is my 2023 standard deduction?
- Important considerations when opening a Roth IRA
- Who can access your frozen credit reports?
- Consequences of an EIC-related error
- Average cost of homeowners insurance in Iowa by city
- If you want to go to Hawaii
- The cheapest home insurance in Texas
- Types of stock charts and how to read them
- The Platinum Card® from American Express
- Shopify Starter: Best low-cost e-commerce platform
- 10. You can get better rewards on many other cards
- 17. Consolidate your debt
- 3 things to know about Georgia state tax
- What is credit card consolidation?
- What you need to know about California homeowners insurance
- 9. Price out prepaid gas
- How to get an Equifax business credit report
- Genie+
- Using depreciation to plan for future business expenses
- More about the card
- How does return-of-premium life insurance work?
- Hawaiian Airlines seat selection recapped
- After deciding
- Compare car insurance rates by driver history
- Car insurance rates for drivers with good or poor credit by state
- Learn more about cash value life insurance
- 8. The promise of a vacation for years to come
- Does the president control gas prices?
- Are dividends taxed?
- Next steps
- Are there drawbacks to investing in the S&P 500?
- September
- 5. Credit card
- Earn an audience, and earn more in the long run
- What’s happening with Silvergate Capital Corp.?
- What activity doesn't earn Loyalty Points?
- When to expect your child tax credit refund
- How to shop for Medicare Advantage plans
- Fees for in-flight refreshments
- Best life insurance company for permanent life insurance: Pacific Life
- 18. Refinance your student loans
- Is consolidating credit card debt a good idea?
- 10. Walk or ride
- Frequently asked questions about estimated tax payments
- How to build your credit and get cheaper insurance
- Why you would want an Equifax business credit report
- Hotel-friendly benefits
- Single
- The cheapest home insurance in Iowa
- Pros and cons of cryptocurrency
- Best for those who pack expensive equipment: Travel Insured International
- Next steps
- Practical matters
- Can I still get a past year's earned income tax credit?
- What happened to Credit Suisse?
- U.S. Bank Cash+® Visa Signature® Card
- LLC tax tips for business owners
- Depreciation and taxes
- What to know about Texas homeowners insurance
- Nationwide
- Bonus: How to add a Known Traveler Number to your Southwest flight
- 2023 vs. 2024 standard deduction
- 19. Change your cell phone plan
- Home insurance quote comparison example
- Final thoughts on American Airlines Loyalty Points
- W-4 calculator
- In-cabin pet fee
- Are the DVC benefits worth the cost?
- How does the Israel-Hamas war affect gas prices?
- Flowers and decor (average cost: $2,639)
- What’s the catch with return-of-premium life insurance?
- 7. Zip
- Why call options can make sense
- Mission Lane Visa® Credit Card
- Other ways to make money
- What to do if there is an error on your report
- Consequences of a child tax credit error
- How to get the types of business insurance you need
- California state tax credits
- The bottom line
- How to choose a free e-commerce website builder
- 4. Money market funds
- Avoid risky loans
- October
- Types of FHA loans
- What to know about Iowa homeowners insurance
- PocketGuard, for a simplified budgeting snapshot
- When to claim the standard deduction
- Alternatives for the best life insurance for kids
- Which cities and counties have pay transparency laws?
- Priority boarding and security access
- Car rental insurance: The bottom line
- 3 best cold wallets
- How to choose among the best ways to send money internationally
- Are other banks are in trouble?
- What else to know about Form W-4
- A closer look at the best way to buy flight tickets
- Final notes to adding a companion on a Southwest flight
- Best life insurance company for customer satisfaction: State Farm
- What if you're not eligible?
- State child tax credits
- More about top-rated life insurance companies
- Should you buy stocks or bonds?
- Unaccompanied minor fees
- Bank of America® Customized Cash Rewards credit card
- ROP life insurance pros and cons
- November
- 6. Same-day wire transfer
- California Department of Insurance
- Should I take my money out of the bank?
- Cryptocurrency legal and tax issues
- Which trifecta should you get?
- Types of business licenses: Federal licenses and permits
- 5. Mutual funds
- Prosper® Card
- What is the $500 credit for other dependents (ODC)?
- Services
- OK, what's next?
- Best for adventurous travelers: World Nomads
- State Farm
- Compare buy now, pay later apps
- More resources
- Final thoughts on the best flight booking site
- Looking for more insurance in California?
- Using Equifax to grow your business
- Bank of America® Premium Rewards® credit card
- Best stocks for beginners
- Is return-of-premium life insurance worth it?
- Child tax credit vs. child and dependent care credit
- Bundle packages
- Should you use a buy now, pay later app?
- What are the Roth IRA rules?
- Which homeowners insurance companies should I consider?
- Are we in a recession?
- What’s not included
- Disney’s new FastPass, recapped
- The bottom line on how to read stock charts
- Cardless Mastercards
- Other ways to save on car insurance if you have poor credit
- Your decision: Is cryptocurrency a good investment?
- Best life insurance company for older applicants: AARP
- 6. Index funds
- December
- The upside down: When debt and equity roles reverse
- Honeydue, for budgeting with a partner
- Credit cards for dining
- FHA loan limits
- More about top-rated life insurance companies
- Capital One QuicksilverOne Cash Rewards Credit Card
- 4. Be persistent
- The bottom line on investing in stocks
- Food and drink (average cost: $8,176)
- 7. Check, money order or cashier’s check
- Are we headed for a depression?
- How to track your California state refund
- Iowa insurance department
- How to save money on Florida condo insurance
- Travelers
- How much does home insurance cost?
- Texas Department of Insurance
- Bilt World Elite Mastercard® Credit Card
- Best for medical coverage: Travelex Insurance Services
- Best term life insurance companies of 2024
- Other hardship assistance
- How to apply for an FHA loan
- Looking for more insurance in Iowa?
- Looking for more insurance in Texas?
- Types of business licenses: Licenses and permits for home-based businesses
- What goes into a homeowners insurance quote?
- California state sales tax
- Chase Sapphire Reserve®
- Best whole life insurance companies of 2024
- Capital One Platinum Credit Card
- How to make money from home
- Budgeting resources from NerdWallet
- Alternatives to buy now, pay later
- Fees across U.S. airlines
- Cake (average cost: $516)
- How to save on startup costs
- 7. Exchange-traded funds
- Pros and cons of FHA loans
- USAA
- Best no medical exam life insurance companies of 2024
- Cheapest car insurance by state
- Hardship financing to avoid
- 5 things to know about California state tax
- 8. Cash
- How to claim small-business tax deductions
- The bottom line
- Airline credit cards
- NHL® Discover it®
- How to choose the best life insurance company
- Access to unique experiences
- Other notable options
- Methodology to identify the best budget apps
- AvantCard Credit Card
- 8. Stocks
- Best if you have travel credit card coverage: Seven Corners
- How to get a cheap homeowners insurance quote
- Ways to get the best FHA mortgage rates
- Guests and the rest
- How to get cheap car insurance
- Major issuers and their policies on instant credit access
- How we chose the best home and auto insurance bundles
- The bottom line
- Blue Cash Everyday® Card from American Express
- Booking flights, recapped
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Personal loans from our partners
on SoFi
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on Avant
Avant
4.0
NerdWallet rating4.0
NerdWallet rating9.95- 35.99%
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on Avant
on Best Egg
Best Egg
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on SoFi
SoFi
5.0
NerdWallet rating5.0
NerdWallet rating8.99- 29.99%
$5K- $100K
on SoFi
on Avant
Avant
4.0
NerdWallet rating4.0
NerdWallet rating9.95- 35.99%
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SoFi
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on SoFi
on SoFi
SoFi
5.0
NerdWallet rating5.0
NerdWallet rating8.99- 29.99%
$5K- $100K
on SoFi
on Avant
Avant
4.0
NerdWallet rating4.0
NerdWallet rating9.95- 35.99%
$2K- $35K
on Avant
on Best Egg
Best Egg
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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