You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
How to Apply for a Personal Loan
Lead Writer | Buy now, pay later loans, debt consolidation, personal loans
Lead Writer | Personal finance, Personal loans
Lead Assigning Editor | Consumer lending
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Visit your My NerdWallet Settings page to see all the writers you're following.
How to Apply for a personal loan
- What is a FICO score?
- What is married filing jointly?
- What is a REIT?
- See CD rates by term and type
- What is the energy efficient home improvement credit?
- Fund definition
- Dividend definition
- Compare types of bank accounts
- Still deciding on the right carrier? Compare Medigap plans
- Stock market definition
- What is a budget planner?
- What is innocent spouse relief?
- What is a W-4?
- What is inventory turnover ratio?
- What is a Treasury bill?
- What is a brokerage account?
- Ready to get started? Here's what to do next
- Our Take
- Why is retirement planning important?
- The parts of Medicare
- Still deciding on the right carrier? Compare Medicare Part D Plans
- About Roth IRAs
- What is a cashier's check?
- What is a fiduciary?
- Life insurance buying guide
- Net worth defined
- What is Upwork?
- Key takeaways
- What is a home equity line of credit?
- Mortgage rates this week
- Find the right business loan
- What is a Closing Disclosure?
- You value Orbucks rewards
- Are property taxes deductible?
- What is a cash-back app?
- What to expect flying Alaska Airlines premium class
- How much emergency fund should I have?
- Estate planning checklist
- Best-performing gold ETFs
- What are dividend stocks?
- Takeaways From 'Get Smart With Money'
- About State Farm home insurance
- Bullish vs. bearish: What’s the difference?
- How many IRAs can you have? How many Roth IRAs?
- About USAA home insurance
- U.S. passport renewal
- What is a money market account?
- 1. Soak up some sun on the beach
- Does homeowners insurance cover plumbing problems?
- About NJM home insurance
- How to make money as a kid
- What is YouTube Premium?
- What is Etsy?
- What is a tax levy?
- What is a target-date fund?
- 7 of the best apps to make money
- Can you withdraw money from a 401(k) early?
- What is a savings account?
- Portfolio definition
- Preparing to buy tips
- What is a goodwill letter or late payment removal letter?
- When are taxes due in 2024?
- What is personal property insurance?
- Explore free options first
- Key findings
- The Equal Credit Opportunity Act
- Savings accounts
- What is a solo 401(k) plan?
- Keep your inheritance to yourself (for now)
- What are Vanguard index funds?
- The stock market explained
- How to get paid on YouTube
- Spirit Airlines seat assignment
- What is Global Entry?
- What does APY mean?
- SC Housing highlights and eligibility requirements
- How do I get Southwest drink coupons?
- Types of lines of credit
- Can you transfer American Airlines miles to Alaska?
- Airlines in the Star Alliance
- What is purchase protection?
- What to know about National Emerald Club
- What is home equity?
- 1. Shop at stores with rewards programs
- 8 types of car insurance (plus 1)
- How much does a wire transfer cost?
- Pros & Cons
- Get the loyalty bonus
- What is identity theft insurance?
- How do CDs work?
- What does this value mean?
- What to expect flying business class with Copa Airlines
- When do I need a cashier's check?
- What is a conventional mortgage?
- Microsoft Office Excel budget templates
- In this issue
- What is Vanguard?
- How much is a speeding ticket in California?
- Is Upwork a legit way to make money?
- How can a CPA help you with taxes?
- 7 best-performing AI stocks
- What is Sam’s Club?
- What a mortgage servicer does
- 1. Certificates of deposit (CDs)
- What is wealth management, and what does a wealth manager do?
- Capital gains tax on stocks: Do you have to pay?
- SIPC insurance rules
- How voluntary repossession works
- Home improvement loan calculator
- Virginia state income tax rates and tax brackets
- Online marketplace and auction sites
- 1. 'Stack' store and manufacturer's coupons
- What is a down payment?
- Roth IRA pros and cons
- Nerdy takeaways:
- Frugal food tips
- How to open a liquor store: A step-by-step guide
- How to buy Palantir stock
- Best-performing REIT stocks: April 2024
- What is the child tax credit?
- California state income tax brackets and rates
- What is a business loan default?
- How do CDs work?
- The best budget apps
- What is the typical down payment on a house?
- How do LLC taxes work?
- 2023 Arizona state income tax rates and tax brackets
- January
- Why issuers offer gift cards
- The best car insurance
- What is tax debt relief?
- What does homeowners insurance cover?
- What types of passport services are available?
- Why you shouldn’t gift a house
- Best-performing U.S. equity mutual funds
- Key differences between Oahu and Maui
- Do rent payments affect credit?
- What is an insurance broker?
- What is a bonus?
- What does SSSS mean on a boarding pass?
- Seven steps to basic estate planning
- 1. Reward social media sharing
- Capital One CD rates
- Create a budget plan that works for you
- What qualifies for innocent spouse relief?
- Before you invest
- How we found the best travel insurance
- Average car loan interest rates by credit score
- What is early retirement age?
- 15 best business startup books to read
- 529 contribution limits by state
- 40 best startup business ideas
- Using your maiden name on a passport
- 1. Set your budget
- More space, but not necessarily more comfort
- 1. Consider an IRA
- Auto insurance
- Step 1: Check your credit
- 50/30/20 budget calculator
- Pros and cons of secured and unsecured loans
- Fannie Mae HomeReady
- What is my net worth?
- First, some background
- Prioritize necessities
- Roth IRA contribution limits 2024
- What to expect flying first class with Singapore Airlines
- Three years
- 1. Airlines, including Delta, aren’t required to provide compensation for delays
- Do vet more than one home inspector
- The value of Marriott Bonvoy points
- 1. Racking up credit card debt on an untested idea
- Down payments: Quick tips and more resources
- About Samsonite and Travelpro
- What are credit freezes and credit locks?
- Refinance to a lower rate
- Minimum wage over time
- A personal loan for rent is an expensive option
- Who can get a business credit card?
- How does financing a business work?
- Reasons to buy a second home
- What does a bookkeeper do?
- 1. Start investing as early as possible
- CD early withdrawal penalty calculator
- Quick facts about Zelle
- Why is a FICO score important?
- How to invest in mutual funds
- Small-town business ideas
- 4 easy ways to start investing with little money
- HELOCs and home equity loans compared
- It's not a done deal
- Reviewing the Closing Disclosure
- Energy efficient home improvement credit 2023
- What goes into the credit card interest calculation
- What is the ‘donut hole’ in Medicare?
- What is infinite banking?
- 1. It’s a premium travel card at a premium price
- What is adjusted gross income (AGI)?
- Student loan payoff calculator
- Passport photo clothing requirements
- Tips to get cheap Amtrak tickets
- Best cash-back apps of 2023
- When to write a financial aid appeal letter
- Best free e-commerce website builders at a glance
- 8 steps to open a car detailing business
- What is the gift tax?
- The problems with joint spousal consolidation loans
- How long does it take to close on a home?
- VA loan vs. FHA loan
- Late winter and early spring
- What happens when the appraisal is lower than the offer?
- Key takeaways
- Uncovering your financial beliefs
- The best time to book rental cars
- Best day to book a flight
- At a glance
- Best ways to consolidate credit card debt
- How Treasury bills work
- How to consolidate your debt
- The best Hilton hotels in Hawaii for award travelers
- How to keep an A+ rating with the Better Business Bureau
- How to budget money
- Why credit cards have expiration dates
- What does this value mean?
- How much is HelloFresh?
- How do brokerage accounts work?
- 1. Resort hop via the monorail
- Too much debt or too little income
- 1. You won’t pay an annual fee, but you do need to be a Co-op member
- When can you withdraw from a Roth IRA?
- What the settlement could change
- Cash back
- When can you retire?
- 1. Submit an appeal
- Taxes on 401(k) contributions
- Length of credit history vs. credit age
- How to change your credit card due date
- Best fleet fuel cards
- What is a Vanguard mutual fund?
- What is a state income tax?
- How to remove yourself as an authorized user
- The bull call spread
- Pros of refinancing your car loan
- What happens to the World of Hyatt partnership?
- What are estimated tax payments?
- What alternatives are available?
- Using an intermediary
- How much is YouTube Premium?
- Understanding your home improvement loan calculator results
- What is Opendoor?
- Average savings account rate: 0.46%
- What are seat selection fees?
- 1. There are two Merrick Bank credit cards
- What does it mean to refinance a business loan?
- 5 Ways to get started in real estate investing
- The best money-making apps
- Who can use the married filing jointly status?
- Heating and cooling
- What is the 401(k) early withdrawal penalty?
- What to consider when building a portfolio
- Do goodwill letters work?
- You’re flexible with hotel brands
- Start with your student loan servicer
- How to make money online
- 1. Set your budget
- Easier peer-to-peer payments
- The FDIC insurance limit: $250,000 per depositor, per institution, per category
- Women are less likely to manage their own investments
- Where to find free protection
- Breakdown of central air costs
- How FICO 10 and FICO 10T are different
- Cash bonuses on cards with no annual fee
- Deductibles
- What is the 10-year Treasury?
- What are gold ETFs?
- What is a business credit score?
- How to find your credit card closing date
- 1. Rewards credit cards
- How does home equity work?
- How to invest in stocks in 6 steps
- What is a flexible spending account, or FSA?
- If you're worried, take action
- Transaction types
- Netflix subscription cost
- Table of Contents
- Spirit Airlines bag fees
- Banks that offer joint business accounts
- 1. Your home is the collateral backing the credit card
- The income-driven plan you use
- Securian Financial life insurance
- How does a secured loan work?
- Meme coin mayhem
- Find out how much your car is worth
- The best ways to use Marriott Bonvoy points
- First, a court decision
- 1. Apply for scholarships, fellowships and other grants
- Start where you are
- Key takeaways
- What is the price of a Sam’s Club membership?
- How your servicer can help if you’re behind on payments
- How do expense trackers work?
- How do wealth managers get paid?
- Do you pay taxes on stocks you don't sell?
- Rite Aid
- How to upgrade your American Express card
- What is ‘cash stuffing’?
- Best banks for business loans
- Conceptualize and research your Etsy idea
- 1. Participate in paid market research
- How are dividends taxed?
- What is a mature CD’s grace period?
- Why you need a savings account
- Which projects qualify for the home improvement credit?
- How do funds work?
- What is the property tax deduction limit?
- How much is car insurance?
- How will the Student Aid Index be calculated?
- Take your time
- How to set up an Apple AirTag tracker
- Bonus tax rate
- Square Online: Best free e-commerce website builder
- Types of USDA loans
- Property type
- 2. Leverage brand ambassadors
- Who can get Global Entry?
- 20 high-dividend stocks
- 5 steps to get preapproved for a home loan
- 4 great first investments
- Why the Chase Sapphire Preferred® Card is better for most people
- How is inventory turnover ratio calculated?
- How to use purchase protection
- What is the Walmart MoneyCenter?
- 2. Install a browser extension
- 529 contributions and the gift tax
- 1. Tax planning starts with understanding your tax bracket
- What is liquid net worth?
- Wire transfer fees by financial institution
- Paperwork required if your passport has a maiden name
- What does identity theft insurance cover?
- What are American Airlines Loyalty Points?
- What are the pros and cons of money market accounts?
- 2. Take a surfing lesson
- Banking
- Student loan forgiveness programs
- Where can I get a cashier’s check?
- What is fiduciary duty?
- What is the 50/30/20 rule?
- Vanguard funds: Active vs. passive
- How to get Upwork jobs
- Easier path to elite status
- Corebridge Financial life insurance
- Best life insurance for children in April 2024
- Six years
- How is PMI calculated?
- 9 Small Luxury Hotels of the World properties to look forward to booking with Hilton points
- Capital One debit cards on Discover’s network
- Ways to earn money as a younger kid
- Credit freeze vs. lock
- Ways to avoid seat selection fees
- Cheapest term life insurance companies for April 2024
- Are there balance transfer cards for bad credit?
- Where to buy Treasury bonds, notes or bills
- Financing options for small businesses
- 2. Find a coupon database or a browser extension
- When your ex is alive: Divorced spousal benefits
- When will the IRS issue a tax levy?
- Top target-date funds with low costs for 2024
- What is a good FICO score?
- Best car insurance in New Jersey overall: Travelers
- Cheap car insurance
- How to calculate your home equity
- Best-performing REIT mutual funds: April 2024
- How much is the child tax credit worth?
- What reasons can you withdraw from your 401(k) early?
- YNAB, for hands-on zero-based budgeting
- Do I have to pay Arizona state income tax?
- What are the four stages for the Medicare donut hole?
- What are dividend stocks and why buy them?
- Lean on investments or savings, if you have them
- Strides in the workplace
- When to use an insurance broker
- Federal student loan limits
- How the market works
- Why do travelers get SSSS?
- Do I have to select a seat on Spirit Airlines?
- How to use this consolidation calculator
- More details about Capital One CDs
- Where State Farm stands out
- How to fill out a W-4
- Elite status
- How to improve your BBB rating: What the Better Business Bureau looks for
- Liability insurance
- Where USAA stands out
- What LifeLock does and what it costs
- 2. Ask about tuition payment plans
- Applying for a U.S. passport for the first time
- Calculator: Convert Flying Blue miles to a dollar value
- Comparing government loans and conventional mortgages
- AARP life insurance
- Google Sheets budget templates
- 20 high-dividend stocks
- Call lenders and service providers
- Roth IRA contribution deadline
- Best car insurance in Florida overall: Travelers
- Where NJM stands out
- Why the Wells Fargo Active Cash® Card is better for most people
- Do get a home inspection for new construction
- How to choose the best crypto wallet
- Best for:
- Where do I cash in a savings bond?
- Do I have to pay Virginia state income tax?
- Welcome bonus
- Do you need to put 20% down on a house?
- Calculator assumptions
- Frugal shopping tips
- What is the dividend tax rate?
- What you need to know about savings accounts
- How to write a late payment removal letter
- 1. Glendale, Arizona
- 5 tax relief options
- How extra student loan payments work
- What does personal property insurance cover?
- Which services will report your rent payments?
- Fetch Rewards
- How much does Alaska Airlines premium class cost?
- Does a partial payment affect your credit score?
- What happens at a mortgage loan closing?
- 3. Consider an employee perspective
- The benefits of having multiple IRAs
- Best day to fly
- What is a personal line of credit?
- How to convert American miles to dollars (calculator)
- Late payments or bankruptcy
- Roth IRA withdrawal rules
- 5 steps for retirement planning
- Use the Travel Center
- 2. Decide how much you want to invest
- How can I get a cashier’s check?
- How to find a CPA or tax accountant near you
- How state income tax rates work
- Today’s HELOC rates
- Is there a Sam’s Club Membership discount?
- Seven years
- How much is PMI?
- 2. Delta will keep customers informed about delays
- 2. Cash management accounts
- When are estimated taxes due?
- How much money do you need for wealth management?
- 2. Giving employees cards without a spending policy
- Samsonite vs. Travelpro comparison
- When to use a credit freeze
- How voluntary repossession affects your credit and finances
- Refinance to a longer term
- Best affordable homeowners insurance in New Mexico: Travelers
- State minimum wages in 2024
- When taking a personal loan for rent may make sense
- How to start a bookkeeping business in 8 steps
- 2. You may need an offer by mail to apply
- 2. Become a virtual assistant
- How is a FICO score calculated?
- Best-performing REIT ETFs: April 2024
- But ripple effects may eventually reach you
- What happens when you default on a small-business loan?
- How LLCs pay income taxes
- February
- Grace period
- How does infinite banking work?
- 2. The annual fee is mitigated by a huge statement credit, sign-up bonus
- You’re ready to go mobile
- 2. Get preapproved before you shop
- What doesn't count as a property tax deduction?
- Dress code tips for passport photo
- Other reasons not to gift a house
- When will lenders start using FICO 10 and 10T?
- Work with a financial advisor to create a financial plan
- How do Vanguard index funds work?
- Where to stash your emergency fund
- How the annual gift tax exclusion works
- Differences between TSA PreCheck and Global Entry
- Holiday weekends
- Takeaways From 'How to Get Rich'
- Innocent spouse relief form
- Etymology of bullish vs. bearish
- What’s on the Southwest drink menu?
- Are auto loan interest rates rising?
- 12 online banks that use Zelle
- T-bill purchase example
- Pricing transparency
- How to choose a brokerage account provider
- 2. You’ll earn rich rewards wherever you spend money …
- 2. Shop for a loan
- What about the extras?
- 3. Peruse the pier
- Am I stuck with Aidvantage until my loans are paid off?
- Fiduciary financial advisors
- Securian Financial life insurance policies
- What is a mega backdoor Roth?
- How to book a first class ticket with Singapore Airlines
- How we ranked the top life insurers
- Do be there for the home inspection
- The best Marriott Bonvoy transfer partners
- Biden's student loan forgiveness 'plan B' would be more targeted
- Discuss your financial limits
- Pros
- Why you might want a business credit card
- How a tax levy can affect you
- High CD rates for now
- Your 3 choices during the grace period
- What’s included in a portfolio
- Why it can be a lackluster deal
- How to calculate adjusted gross income
- How to get Public Service Loan Forgiveness
- What it means to have FDIC insurance
- Pop culture
- How to choose the best mutual funds for you
- Coinsurance and copays
- How are bonuses taxed?
- What is the 10-year treasury yield today?
- Minimum down payment
- 4. Have fun with interactive content
- What to consider when opening CDs
- Mortgage payoff calculator help
- Investing for income: Dividend stocks vs. dividend funds
- Where State Farm falls short
- How are business credit scores calculated?
- SC Housing first-time home buyer programs
- Preapproval is not the same as pre-qualification
- Tools you can use
- How to retire early in 5 steps
- Why your credit card closing date matters
- Debt consolidation calculator
- 3. Ask for manufacturer coupons
- Do you need an FSA?
- Exactly what are liquid assets?
- Where USAA falls short
- 3. Search for independent scholarships and grants
- AAdvantage elite status requirements and timing
- Step 2: Pre-qualify and compare offers
- Credit age matters, but other factors matter more
- When to change your credit card due date
- AARP life insurance policies
- Trading in a car with positive equity
- Corebridge life insurance policies
- Indefinitely
- Where NJM falls short
- How are stocks taxed?
- 8 best hot wallets
- SIPC vs. FDIC: What is and isn’t covered
- How do home improvement loans work?
- How to buy a second home
- Cheap car insurance in Florida
- How to sit together on a flight
- Fast-growing places are at high risk for worsening climate conditions
- No-penalty CDs: the big exception
- Types of funds
- Budget is your top priority
- What if I didn't make the 2024 tax deadline?
- Solo 401(k) contribution limits
- How can we separate our loans?
- How to invest in gold ETFs
- How to deal with a low appraisal
- How innocent spouse relief works
- Networks' purchase protection, compared
- What are the Walmart MoneyCenter hours?
- How do American miles compare to other airlines?
- How an adverse action notice can help you
- Taxes on 401(k) withdrawals
- How flexible are Flying Blue miles?
- 2. The card is an alternative to a HELOC, for better and worse
- Investing for income: Dividend stocks vs. dividend funds
- Calculating net worth: What are assets and liabilities?
- Why are Vanguard mutual funds so popular?
- What to do after you get a speeding ticket in California
- Automate savings
- How to fix your credit reports afterward
- Roth IRA income limits 2024
- What is the difference between Sam’s Club memberships?
- Average annual PMI premium
- Best iOS personal expense tracker apps
- More ATM access and branches for Discover customers
- Is it worth it for rewards?
- Cons
- How the cash stuffing method works
- How much is YouTube Music?
- Am I a resident for Virginia state income tax purposes?
- Does raising the minimum wage cause inflation?
- Earn miles on purchases
- 3. Read the fine print
- 3. Get ready to pay some fees
- 3. Transcribe audio and video
- Tax credits for people married filing jointly
- What are qualified dividends?
- Savings accounts with strong APYs can help your money grow
- Am I a resident for Arizona state income tax purposes?
- 2. Cincinnati, Ohio
- How to claim the property tax deduction
- Determining your income tax liability
- Certificates of deposit
- How might FICO 10 affect your score?
- How is the Student Aid Index used?
- What to include in your financial aid appeal letter
- Warning signs that you may have been selected for secondary screening
- Qualifying for a USDA-guaranteed mortgage
- 5. Let your customers peek behind the scenes
- State availability
- How to use average car interest rates
- 17 traditional banks that use Zelle
- Take an interest rate break
- When to choose a money market account over a savings account
- 4. Get adventurous on the water
- What is a Roth IRA account?
- NerdWallet’s budget planner
- How to know who your mortgage servicer is
- PMI calculator help
- 3. Delta will rebook you on the next available flight
- Changes coming April 8, 2024
- Wealth management strategies
- Are your investments covered?
- Apply for mortgage forbearance
- What documents do I need to cash a savings bond?
- Should you do a balance transfer if you have bad credit?
- AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
- Historical national rates
- Minimum down payment requirements
- About home equity loans
- How do REITs work?
- Requirements: Who qualifies for the child tax credit?
- Mortgage selection tips
- Dividend vs. growth stocks
- Goodwill letter template
- If you need student loan help
- Flexible financing and installment-loan options
- A potential ‘Hail Mary’ fix
- About 7 in 10 women learned how to choose investments
- Different levels of coverage
- Consider taxes on the inherited amount
- Are Vanguard index funds a good investment?
- Shift4Shop: Best for B2B sellers
- Spirit Airlines seat types
- How to calculate APY
- See CD rates by bank
- Use a budget planner
- 4. Search a coupon database or app
- Overall cost
- Changing the name on your passport
- What won’t change
- Are you paying more for less?
- 4. Crowdfund your education costs
- Credit cards
- Fiduciary duty vs. suitability standard
- Mega backdoor Roth 2024
- Get free advice
- When are state income tax returns due?
- Best life insurance for children: Pros and cons
- Best car insurance in Florida for your budget: Geico
- What tax records to keep
- 3. High-yield money market accounts (MMAs)
- Estimated tax payments 2024
- How about a 0% card?
- 3. Justifying credit card overspending with tax deductions
- Find ways to lower the cost
- Joann
- Western Union transfer methods and options
- How to apply for a business credit card without a business
- When your ex is dead: Divorced survivor benefits
- Why invest in target-date funds
- Best car insurance in New Jersey for your budget: Geico
- Median down payment by age
- What can cause a 3-day closing delay?
- March
- When a gift card makes sense
- 3. Its rewards program is lucrative
- You’re OK with only redeeming for hotel stays
- Choose the least expensive high-interest debt
- Is Alaska premium class available on every flight?
- How brokers are paid
- Out-of-pocket limits
- 6. Play game show host
- More about Capital One
- Be ok with baby steps
- Who might prefer the Capital One Venture Rewards Credit Card
- What is a good inventory turnover ratio?
- The bottom line
- When debt consolidation is a smart move
- How to use a health care FSA
- 3. … But you can only redeem them at REI
- 3. Determine other ownership costs
- Your passport may need at least six months' validity remaining
- How did we determine our Flying Blue miles value?
- Banks flee New York
- 2. Keep working while you study
- Maximize every dollar safely
- Sky Club access rules announced
- What are AI stocks?
- What’s going on with layoffs in tech?
- The bear put spread
- 4. If you’re inconvenienced overnight, Delta will provide hotel accommodations or offer compensation
- Don't get in the home inspector’s way
- How to downgrade your American Express card
- How to avoid voluntary repossession
- Do all workers earn at least the minimum wage?
- Cheapest for 20-year-old drivers
- How to get rid of a tax levy
- 4. Sell stuff online
- Frugal entertainment tips
- Heat pump tax credit 2023
- Average daily balance
- Pros of infinite banking
- Find nonprofit student loan assistance
- Coupons.com
- Using Apple AirTags for luggage
- What is the point of the stock market?
- How to pay off a mortgage early
- All year
- Best car insurance companies: Our winners
- Types of innocent spouse relief
- Do personal credit scores affect business credit scores?
- How far in advance should I get preapproved for a mortgage?
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Do Southwest drink coupons expire?
- 12 credit unions that use Zelle
- Can you transfer Alaska miles to American?
- Treasury bill rates compared to other Treasury securities
- When is the best time to use American miles?
- 5. Visit retailer websites and apps
- 2. The difference between tax deductions and tax credits
- Travel
- Full Review
- USAA home insurance coverage
- How to redeem rewards on the Bank of America® Travel Rewards credit card
- Other student loan forgiveness programs
- How to reach Aidvantage customer service
- How much does a cashier’s check cost?
- What kinds of conventional loans are available?
- Sync your due date with your payday
- AARP customer complaints and satisfaction
- Your family size and location
- Freddie Mac Home Possible
- Trading in a car with negative equity
- Why might you decide to remain an authorized user?
- Why do lenders sell mortgage loans?
- Faster rollout of new banking technology
- How do these changes affect new customers?
- When to use a credit lock
- Is SIPC coverage enough?
- How to get a home improvement loan
- Earn Loyalty Points on purchases
- 4. Learn your store’s coupon policy
- 2. Decide how much to invest
- 4. Neither card offers perks
- Tip about banks vs. credit unions
- REITs' average return
- How to claim the child tax credit
- California income tax deadlines and extensions
- How a savings account works: withdrawal limits
- Best car insurance companies: Our winners
- How are dividends paid out?
- Goodwill letter vs. credit dispute letter
- You want to rack up points
- 3. Pittsburgh, Pennsylvania
- 3. Decide on new, used or leased
- Apply extra student loan payments toward the principal
- Size comparison
- Keys to a higher score on the FICO 10 and 10T
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- Enjoy it
- What happens if you have a boarding pass with SSSS on it?
- Price vs. yield
- Loan limits
- 7. Put a face to the brand
- What is the fee for Global Entry?
- State Farm home insurance coverage
- Investor responses to bull market vs. bear market cycles
- Closing date vs. payment due date: What’s the difference?
- Star Alliance Lounges
- Try a simple budgeting plan
- What services are available at Walmart MoneyCenters?
- Card readers and apps
- Is HelloFresh worth it?
- Personal injury protection and medical payments coverage
- Is LifeLock worth the price?
- 3. Explore passively managed index funds
- 5. Spot wildlife from the water
- How does a Roth IRA work?
- Do you include a 401(k) in a net worth calculation?
- Ways to get good value
- NJM home insurance coverage
- Cons of refinancing your car loan
- Who should make estimated quarterly tax payments?
- Wealth manager credentials
- Higher Education Act justifies plan B
- Evaluate your payment options
- Apply for loan modification
- Best homeowners insurance in New Mexico for coverage: Openly
- Is YouTube Premium worth it?
- Other options for help with rent
- Average interest checking account rate: 0.08%
- What is a FICO score used for?
- Water
- Where to find your AGI on your 1040
- Sole proprietorship taxes: Special deductions
- FDIC insurance: What’s covered
- Average mutual fund return
- How much does it cost to buy Vanguard index fund shares?
- Are bonuses taxed differently?
- What you need to bring to the closing
- Save on drinks without Southwest drink coupons
- What to do when your credit card expires
- How to calculate your liquid net worth
- When to spring for premium economy
- 5. Discuss parent PLUS loans with your family
- Is identity theft insurance worth it?
- What if you can’t wait that long to renew your passport?
- How to choose a money market account
- How to book a business class ticket with Copa Airlines
- Who can open a joint business account
- More about AARP
- Securian Financial life insurance rates
- The Federal Trade Commission’s budget worksheet
- Types of state income tax
- Corebridge life insurance rates
- How to keep your tax records
- Alternatives to paying your student loan with a credit card
- General advice for international money transfers
- Is it worth it to cash a savings bond?
- 5 steps to refinance a business loan
- You may need to call your ex
- 5. Housesit
- 2023 standard deduction married filing jointly
- Goodbudget, for hands-on envelope budgeting
- Report errors or ask questions ASAP
- Who qualifies for the energy tax credit?
- When are state taxes due in 2024?
- How to reduce your risk
- Gift tax limit 2024
- 8. Use LinkedIn Groups to expand your network
- Example of an appraisal gap
- How to get a personal line of credit
- How the Better Bureau Business decides on a BBB rating
- 6. Check the Sunday newspaper
- How do streaming services fit into your budget?
- Address reasons cited in adverse action letter
- 4. Find the right car for you
- Student loan cancellation programs
- 3. The rewards rate is high
- Average car insurance rates after a speeding ticket in California
- Prepare for next year’s taxes
- 5. You can ask for compensation
- 4. Peer-to-peer lending
- Don't be afraid to negotiate with the seller
- When voluntary repossession makes sense
- Local sales
- Yes, you can skip seat selection
- How target-date funds work
- About home equity lines of credit
- Remember your CD’s maturity date
- How to stretch your rewards further
- Tips for avoiding late payments
- How to write off property taxes if you bought or sold a house this year
- There are better ways to transfer a house
- How much is car insurance in my state?
- How to look good no matter what score lenders use
- Is Medigap worth the cost?
- What to do if your appeal is unsuccessful
- Big Cartel: Best for small businesses with limited inventory
- Qualifying for a Single Family Housing Direct Home Loan
- Which card should you get?
- Are Treasury bills a good investment?
- How to use a dependent care FSA
- Point-of-sale hardware
- 4. You’ll get a solid introductory bonus plus yearly statement credit
- Pay more, earn more
- 6. Take a trip to Kennedy Space Center
- Net worth calculator
- 3. Get help from your employer
- How do you sign up for a Sam’s Club membership?
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- Other features that may be similar
- 4. Using the same credit card for business and personal spending
- How are dividends taxed?
- Kirkland’s
- Home improvement loans with bad credit
- How does Opendoor Work?
- Can you get a business credit card with no business income?
- CD early withdrawal penalties at banks and credit unions
- Frugal DIY project tips
- Types of REITs
- Average down payment by state
- How to claim the home improvement credit
- April
- 6 types of dividends
- 4. Atlanta, Georgia
- Other opportunities to pay off student loans faster
- Is it cheaper to fly to Oahu or Maui?
- Private student loan limits
- What you'll pay at closing
- 9. Partner with a fellow small-business owner
- How to get Global Entry through travel cards
- APR vs. APY: What’s the difference?
- How much should you spend on a mattress?
- Innocent spouse relief vs. injured spouse relief
- What is a good business credit score?
- The drawbacks of multiple IRAs
- What does inventory turnover ratio tell you?
- How do you find out how much equity is in your home?
- Are Walmart MoneyCenter services worth it?
- How to work HelloFresh costs into your budget
- 3. Taking the standard deduction vs. itemizing
- What's next?
- 6. Consider work-study programs
- Money market accounts vs. other accounts
- Spirit Airlines change fees
- Ways to get good value on Copa Airlines
- How do I know if I'm working with a fiduciary financial advisor?
- What if you're unable to change your due date?
- Options when 3% down is a challenge
- Your 401(k) plan allows after-tax contributions
- Keep your goal in mind
- How does a HELOC work?
- Other reasons to remove yourself as an authorized user
- How to contact your servicer
- Eliminate mortgage insurance
- Working YouTube Premium costs into your budget
- 5. Make a shopping list and use apps for more savings
- Best car insurance in New Jersey for customer satisfaction: NJM
- Do I have to pay California state tax?
- 4 common types of portfolios
- The significance of adjusted gross income
- FDIC insurance: What’s not covered
- Women tend to be less confident, more anxious than men about investing
- CD vs. high-yield savings account: At a glance
- How to upgrade to premium class
- Redeeming points for Star Alliance awards
- Is it a good idea to consolidate credit cards?
- How has the value changed over time?
- How to open a brokerage account
- How many banks have collapsed?
- USAA home insurance rates
- Earning AAdvantage Loyalty Points through flying
- Student loan discharge programs
- How to apply for a joint business bank account
- What if I lose the cashier's check?
- 4. Interest rates are lower than the industry average
- Your tax status with your spouse
- Securian Financial customer complaints and satisfaction
- How does an unsecured loan work?
- The Financial Center Development Act is born
- Corebridge customer complaints and satisfaction
- Don’t count on this student loan forgiveness yet
- You'll likely forgo a welcome bonus
- Do I pay taxes when I cash in savings bonds?
- Open your Etsy shop
- What happens when you move to a high-risk area
- 3. Open an investment account
- 5. There are no other Merrick Bank credit cards to graduate to
- Married filing jointly vs. separately
- Additional child tax credit
- Consider your legal options
- 4. Choose your car
- How to get a bigger property tax deduction
- How to choose a rent-reporting service
- Covering your spouse under your solo 401(k)
- RetailMeNot
- My experience getting SSSS on my boarding pass
- Gift tax limit 2023
- 10. Give back
- How to invest in dividend stocks
- 6. Pick up weekly ads at the store
- Integrations with accounting software
- Uninsured and underinsured motorist coverages
- Domestic vs. international fees
- More ways to take charge of your budget
- Final steps
- Which plumbing problems aren’t covered?
- What if you have a Roth and a traditional IRA at one brokerage?
- Cheapest term life insurance companies for smokers for 2024
- What states are increasing minimum wages in 2024?
- 6. Write online reviews
- How much to keep in your savings account
- Is the energy efficient home improvement credit refundable?
- 4. Points can't be transferred to other travel programs
- How to make an appointment at a passport agency
- What isn’t covered by personal property insurance?
- Why is the 10-year Treasury yield important?
- Mattress-buying tips
- W-4 form 2024
- Bear market vs. recession: What’s the difference?
- How does a debt consolidation loan work?
- Determine your annual FSA contribution
- 2. Ride the water taxi to Disney’s Wilderness Lodge
- 5. You can take the REI Co-op® Mastercard® on adventures abroad
- What’s next?
- 5. Contact the seller or visit a dealership
- 4. Think about how much you want to actively trade
- 7. Visit the largest surf shop in the world
- The caveats
- What can you invest in with a Roth IRA?
- Step 3: Choose your lender and loan
- Advantages of conventional loans
- Get more help with monthly budget planning
- How to invest in dividend stocks
- Your 401(k) lets you move your after-tax money
- How much of your fee goes to Upwork?
- Is a Sam’s Club membership worth it?
- The long straddle
- Discounts
- 5. Online savings accounts
- Don't assume the home inspector can be held liable
- Is a wealth manager worth it?
- When do you have to pay taxes on stocks?
- Best homeowners insurance in New Mexico for consumer experience: Nationwide
- Other ways to finance a home improvement project
- Clothes, vintage and crafts
- 6. Use coupons strategically
- Dividend tax rate 2023
- Interest rate
- 5. Minneapolis, Minnesota
- What are the other 2024 tax deadlines to know?
- How to open a savings account or CD
- 7 steps to appeal your financial aid
- Spirit Airlines seating chart
- Mortgage insurance and fees
- 11. Create an eye-catching display
- Some not-so-great first investments
- If you want to use Southwest Airlines drink coupons
- How a personal line of credit affects your credit score
- What causes Treasury bill rates to fall?
- How flexible are American miles?
- 8. Look at the product packaging
- Deposit timing
- 7. Consider private student loans
- More about Securian Financial
- Compare your net worth
- Level up
- How to invest in AI stocks
- More about Corebridge life insurance
- 6. Travel insurance can protect you even more
- Should I refinance my car?
- Ways to earn money as a teenager
- How can I pay off debt if I can’t get a balance transfer card?
- Consider the costs of cashing out your 401(k)
- Grace periods at some banks
- How to calculate your credit
- May
- Cons of infinite banking
- How to check that all money in your accounts is insured
- How to open a solo 401(k)
- What is the stock market doing today?
- Ecwid: Best free way to add e-commerce to existing websites
- How the lifetime gift tax exclusion works
- Appraisal gap coverage limits your exposure
- Why you might still book rental cars in advance
- Advanced points hack: Earn Alaska and American miles elsewhere
- Do debt consolidation loans hurt your credit?
- Meanwhile, minimize the impact of inflation on your life
- Additional costs for international wires
- Pre-tax vs. Roth 401(k)
- 4. Delay enrollment and save
- How to calculate quarterly estimated taxes
- What happens if your brokerage goes out of business?
- Important Treasury Bond Terms
- Can you use a business credit card for personal expenses?
- Complimentary Admirals Club membership
- Which airlines charge the most?
- 7. Start a blog
- How to invest in target-date funds
- Frugal home expenses tips
- What is California's standard deduction?
- LLC payroll taxes
- 5. Make your best deal
- Does paying rent build credit?
- Using points and miles to buy AirTags
- 12. Hit the streets
- How to apply online for Global Entry
- How compound interest works
- State Farm home insurance rates
- Best for emergency medical coverage: Allianz Global Assistance
- 2. Low-interest and balance transfer cards
- Why is home equity important?
- Contract periods
- Traveling without a passport
- Discounts
- How much does a fiduciary financial advisor cost?
- 5. Balance transfers are possible — but not advisable — with the Aven credit card
- Term of the month: The Buffett indicator
- What are fleet cards?
- Best car insurance in Florida for ease of use: State Farm
- Understanding the American Express card families
- The pros
- Where to find financing for small businesses
- Average certificate of deposit rate: 1.81% for one-year CDs
- Market your Esty shop and products
- FICO vs. VantageScore
- Best car insurance in New Jersey for ease of use: State Farm
- When to expect your child tax credit refund
- Alternatives to savings accounts
- What is the Medicare donut hole in 2024?
- What is your modified adjusted gross income (MAGI)?
- Americans perceive investing advantages, disadvantages for women
- Flying between Maui and Oahu
- Is Alaska Airlines premium class worth it?
- Enrollment time limits
- Are 10-year Treasury notes a good investment?
- How to find the 2024 W-4
- What’s the right number of IRAs?
- When debt consolidation isn't worth it
- 9. Browse store aisles
- 8. Head to the park
- Are Roth IRAs insured?
- Cashier’s check vs. certified check vs. money order
- Cheapest car insurance companies after a speeding ticket in California
- Other Roth IRA rules
- Minimum wage increases
- 7. Buy in bulk
- Benefits of a larger down payment
- 8. Game on Twitch
- Dividend tax rate 2024
- Lingering questions
- Be prepared for your CD’s maturity
- How to start a portfolio
- 5. It comes with other travel goodies
- 6. St. Louis, Missouri
- Avoid the student loan scammers
- More U.S. passport photo requirements
- What happens when a bank fails
- Insurance broker vs. independent agent
- Ways to get the best USDA mortgage rates
- 13. Engage with your community
- Pros and cons of a personal line of credit
- Customer support
- Brokerage accounts are taxable accounts
- 3. Hike, fish and canoe at Disney's Fort Wilderness Resort & Campground
- Other ways to cut wire-transfer costs
- 6. Inspect and test-drive the car, if applicable
- When to get a CD
- How to buy Vanguard mutual funds
- You’ve got money left over for savings
- If you fly first class on Singapore Airlines
- Consumer complaints
- Alternative wealth management services
- What is net investment income tax?
- How to choose between Travelpro vs. Samsonite luggage
- 4. Pick an investment strategy
- What to consider before you begin investing
- What part of my income gets taxed by California?
- How to avoid business loan default
- What percent down payment do you need for a house?
- 5 things to know about Arizona state income tax
- How do you get out of the Medicare donut hole?
- 6. Keep your deal clean
- Extra personal property coverage for valuable items
- Third-party options
- Upside
- What is stock market volatility?
- How can you reduce SSSS markings in the future?
- First-time home buyer programs near South Carolina
- What about my goals besides retirement?
- Tips to find cheap flights any day of the week
- Next Steps:
- Home equity takes time to build
- How did we determine the value of American miles?
- Collision and comprehensive coverages
- Why liquid assets are important
- Why did First Republic Bank fail?
- Compare Roth 401(k) vs. traditional 401(k)
- 5. Learn about dollar-cost averaging
- Step 4: Gather loan documents
- Is a robo-advisor a fiduciary?
- Your spouse’s federal student debt
- How do fleet cards work?
- Credit cards today
- 2023 state income tax rates and brackets
- Medallion Qualifying Miles rollovers
- How to find AI ETFs
- 6. High-yield checking accounts
- Full list of the best homeowners insurance in New Mexico
- What is the median household income in the U.S.?
- 9. Sell photography
- How do I get a FICO score?
- EveryDollar, for simple zero-based budgeting
- U.S. passport agency locations
- How to file your sole proprietorship tax returns
- How much is car insurance by company?
- 3 tips to control central air conditioning installation costs
- How do you buy Vanguard Index fund shares?
- 14. Plan an event
- Other stock market changes: Dips, corrections and crashes
- Next steps
- 10. Check your receipts
- A recession? You've already been through one or more
- 7 ways to reduce your 401(k) taxes
- 9. Visit a local museum
- HELOC requirements
- Consumer experience
- Marriott Bonvoy's exclusive transfer partners
- Don’t pay for advance seat selection
- When is the Virginia state income tax deadline?
- How much should you put down on a house?
- How to report dividend income on your taxes
- 2024 child tax credit news update
- June
- Days in the cycle
- Can I take my own passport photo?
- Mutual fund fees
- Next steps
- WooCommerce: Best e-commerce plug-in for WordPress users
- 2024 lifetime gift tax exemption
- How do you buy 10-year Treasury notes?
- Is APY variable?
- Discounts
- Do I have to update my W-4 every year?
- 4. Keep an eye on popular tax deductions and credits
- Consumer complaints
- How to open a CD
- Roth IRA eligibility rules
- How to complain about Aidvantage
- How to do well on Upwork
- 7. Your travel card may already include travel insurance benefits
- The cons
- Global Entry/TSA PreCheck application fee credit
- 8. Start small
- How much does it cost to open a liquor store?
- Is there any insurance that covers the donut hole?
- 7. Cleveland, Ohio
- Takeaways for first-timers
- How to minimize the tax impact of a bonus
- 15. Welcome new neighbors
- You can’t transfer miles between American and Alaska, but you can use points with either airline to book flights with the other
- The bottom line
- How can I avoid cashier's check fraud?
- Million Miler changes
- When did all of the tech layoffs start?
- The long strangle
- Full list of the best car insurance in Florida
- How to pay lower taxes when selling stocks
- Weather-battered places may become uninsurable
- Are Roth IRAs safe?
- 10. Pet sit
- Full list of the best car insurance in New Jersey
- Power and lighting
- Am I a resident for California state tax purposes?
- LLC self-employment taxes
- Lodge a student loan complaint
- When will I get my refund?
- Reconsideration for PSLF applications
- Dress code for a passport picture recapped
- How to pick seats on Spirit Airlines
- Credit score requirements
- National first-time home buyer programs
- 11. Use social media
- 4. Shop, dine and play at Disney Springs
- Cheaper ways to send money
- 7. Determine which warranties are right for you
- Where to buy identity theft insurance
- Why are passport processing times suddenly so slow?
- CD vs. savings account
- Bottom line
- 5. Cover any remaining gaps with loans
- How to get a home equity line of credit
- Best Android personal expense tracker apps
- Cheapest final expense companies for 2024
- Electronics
- Watch out for 'upgrades'
- How to control your dividend tax bill
- Are there ways to avoid the Medicare Part D donut hole?
- How do you invest in the stock market?
- Do you pay tax on T-notes?
- 16. Use email
- How to improve your liquid net worth
- Why did Silicon Valley Bank fail?
- Which is better?
- Consumer experience
- Other ways to earn AAdvantage Loyalty Points
- Final thoughts on Copa Airlines business class
- Is Upwork the right freelance marketplace for you?
- How to pay estimated taxes
- How much does homeowners insurance cost in New Mexico?
- First checked bag free
- 11. Do freelance work
- Where to find the best savings accounts
- How to evaluate dividends
- Other ways to buy insurance
- Consumer complaints
- Why do I need a business credit score?
- How to adjust your Form W-4
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How to earn Hilton Honors points quickly
- Brokerage accounts vs. IRA
- Fees to check in and obtain your boarding pass for your Spirit flight
- Recap: How to get a cashier's check
- The bottom line
- Marriott Bonvoy transfer partners to avoid
- Who benefits from the cash stuffing envelope system
- 5 things to know about Virginia state income tax
- Other considerations to determine your down payment
- Alternatives to Roth IRAs
- Next steps
- July
- What's next?
- Is the Medicare donut hole going away in 2024?
- 8. Irving, Texas
- Ibotta
- What are the best Vanguard index funds?
- Who pays the gift tax?
- 17. Start a podcast
- Gap insurance
- CD vs. bond
- How to settle a dispute with Aidvantage
- Should you get a secured or unsecured personal loan?
- Should you file a claim for plumbing problems?
- New choice benefits for SkyMiles elites
- Could we be in an AI bubble?
- Why you can trust NerdWallet
- Why you might want the Citi Double Cash® Card
- Average money market account rate: 0.66%
- Summary: Buying a second home
- 5. Understand your investment options
- Why you can trust NerdWallet
- Additional considerations
- LLC sales taxes
- Can you get a passport in one day?
- Can you lose money in mutual funds?
- How to finance central air installation
- Cash bonuses on cards with an annual fee
- Freewebstore: Most customizable e-commerce website for the price
- Spirit Airlines seat selection fees
- Are these the best dividend stocks?
- Consumer experience
- 3. Credit-building cards
- 5. Know what tax records to keep
- What's next?
- Step 5: Submit your application and get funded
- How much can you borrow with a HELOC?
- Other home insurance companies to consider
- Alternatives to infinite banking
- Tax Day resources
- Do you pay taxes when you receive a gift?
- 18. Start a blog
- How do I get my business credit score?
- 5. Dine and dance at Disney’s BoardWalk
- 8. Negotiate the best price
- Renew your U.S. passport now
- What’s a spousal Roth IRA?
- What are the best dividend stocks?
- Fleet fuel cards: benefits and drawbacks
- 2024 state income tax rates and brackets
- The bottom line
- Enhanced airport experience
- 12. Create a podcast
- 9. Jersey City, New Jersey
- The bottom line
- Apple tag trackers recapped
- Maximum debt-to-income ratios
- Final thoughts on the best Hilton hotels in Hawaii
- Traveling with a maiden name on passport recapped
- USAA vs. competitors
- Types of CD strategies
- More eligible properties could help
- Frequently asked questions about estimated tax payments
- Average cost of homeowners insurance in New Mexico by city
- The edge of your seat
- Consequences of a child tax credit error
- Empower Personal Dashboard, for tracking wealth and spending
- What’s a good down payment for a house?
- Home shopping tips
- How much money can you make on YouTube?
- 19. Host a webinar
- Is Global Entry worth it?
- Fees to select a seat ahead of time
- A closer look at these companies
- Should you refinance your business loan?
- 13. Become a rideshare or delivery driver
- August
- As a last resort, contact your member of Congress
- How much personal property insurance do you need?
- FDIC insurance limits and ownership categories
- How much is auto insurance based on your driving record?
- The bottom line
- Is the gift tax deductible?
- Comparing personal lines of credit to other financing options
- Why did Signature Bank fail?
- How to prevent plumbing problems
- LLC tax forms and deadlines
- Learn more about cash value life insurance
- Maui vs. Oahu, recapped
- 20. Find opportunities to share your voice
- The synthetic long
- 25% discount on in-flight meals and drinks
- Pros of investing in REIT stocks
- 10. Washington, D.C.
- Dosh
- Next steps
- Shopify Starter: Best low-cost e-commerce platform
- How much is the gift tax rate?
- If you’re considering Emerald Club
- Other car insurance types
- 9. Maximize trade-in value, if applicable
- Roth IRA vs. traditional IRA: What's the difference?
- Ways kid creators can earn online
- The cheapest home insurance in New Mexico
- 14. Tutor
- State child tax credits
- What homeowners insurance won't cover
- How to get a passport in 24 hours
- 21. Serve as an expert media source
- Best for those who pack expensive equipment: Travel Insured International
- 6. Sail on the Friendship Launch boats
- 6. Tweak your W-4
- What are CD rates right now?
- Are conventional 97 LTV loans better than FHA?
- What's the best Vanguard mutual fund?
- Other types of tax preparers
- The difference between interest rate and APY
- Trip protection
- State Farm vs. competitors
- What’s next?
- Fuel card vs. business gas credit card
- Is getting a HELOC a good idea?
- Should you invest in AI stocks?
- The Hilton Honors and SLH exclusive partnership recapped
- Learn about the best life insurance companies
- Find the right business loan
- Cons of investing in REIT stocks
- September
- When to file sole proprietorship taxes
- Bonuses that vary with spending
- Earn an audience, and earn more in the long run
- Average mortgage rates
- 22. Maintain your Yelp page
- What’s happening with Silvergate Capital Corp.?
- What activity doesn't earn Loyalty Points?
- Fees for in-flight refreshments
- Dates that could move markets this month
- If you want to leverage Marriott’s transfer partners ...
- What is the $500 credit for other dependents (ODC)?
- Are dividends taxed?
- Spirit Airlines fee bundles
- 7. Take in views on the Skyliner
- 10. Make the purchase
- If you're ready to start a budget
- What to know about New Mexico homeowners insurance
- What type of financing for small businesses should you use?
- Cheapest for 30-year-old drivers
- 15. Rent out items
- LLC tax tips for business owners
- Our methodology
- One-time IDR account adjustment for PSLF borrowers
- How to make a personal property claim
- Common gift tax return triggers
- 23. Target industry-specific review sites
- What happened to Credit Suisse?
- What are promotional CD rates?
- The worst way to use your Marriott Bonvoy points
- Which card should you get?
- Other perks
- Will people migrate due to climate change?
- Investing in REITs: How to get started
- Child tax credit vs. child and dependent care credit
- California state tax credits
- Next steps
- Examples of FDIC insurance limits and coverage
- What is credit card consolidation?
- Final thoughts on American Airlines Loyalty Points
- In-cabin pet fee
- How to open a Roth IRA in 4 steps
- 16. Use cash back apps
- Receipt Hog
- Taxes on bonuses: The bottom line
- How to choose a free e-commerce website builder
- Other ways to make money
- 24. Invest in low-cost Facebook advertising
- W-4 calculator
- Early retirement calculator
- 7. Tax strategies to shelter income or cut your tax bill
- What is a tax consultant?
- How to get started with Opendoor
- PocketGuard, for a simplified budgeting snapshot
- October
- How to Improve Your BBB Rating to Get to A+
- Tips for making money as a kid
- How the FDIC calculates national rates
- 25. Sell online
- How does credit card consolidation work?
- 8. ‘Safari’ at Disney's Animal Kingdom Lodge
- Priority boarding and security access
- Investing
- Does your business need a fleet fuel card?
- Should I use a CPA or tax accountant?
- Alternatives for the best life insurance for kids
- Best for adventurous travelers: World Nomads
- Are other banks are in trouble?
- Is it better to get a home equity loan or line of credit?
- 3 best cold wallets
- The bottom line
- 26. Try guerrilla marketing
- What else to know about Form W-4
- If you want to redeem Marriott Bonvoy points ...
- The final word
- Reconsideration for rejected PSLF applications
- Small business card bonuses
- Unaccompanied minor fees
- More about top-rated life insurance companies
- November
- 27. Hand out business cards
- Should I take my money out of the bank?
- Rakuten
- OK, what's next?
- Is consolidating credit card debt a good idea?
- 9. Watch the fireworks
- What to do if you can’t keep up with your HELOC payments
- No foreign transaction fees
- Spirit Saver$ Club
- 28. Utilize SEO best practices
- The bottom line
- A final thought
- How to get a business loan from a bank
- Best stocks for beginners
- Bundle packages
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- Is it worth the annual fee?
- The bottom line
- Home purchasing tips
- 29. Target the mailbox
- Can I still use my credit card after debt consolidation?
- Are we in a recession?
- Spirit Airlines seat selection for elite members
- Mortgages
- New Mexico insurance department
- Is anywhere really safe to live?
- Honeydue, for budgeting with a partner
- December
- Does homeowners insurance cover ... ?
- Don't qualify for PSLF? You have other options for relief
- 30. Send out press releases
- Best for medical coverage: Travelex Insurance Services
- Other cash-back apps to consider
- Looking for more insurance in New Mexico?
- How to track your California state refund
- 31. Use bulletin board flyers
- How to find out if your bank is FDIC insured
- Shopkick
- The bottom line on investing in stocks
- Are we headed for a depression?
- Cheapest car insurance by state
- Spirit Airlines seat selection recapped
- 32. Give out branded merchandise
- Who is the Citi® / AAdvantage® Executive World Elite Mastercard® right for?
- Types of homeowners insurance policies
- CoinOut
- California state sales tax
- Swagbucks
- 33. Create a referral program
- Budgeting resources from NerdWallet
- How to make money from home
- How much is auto insurance for good and poor credit?
- What if you're not eligible?
- Alternatives to bank business loans
- Credit cards do cash back too
- Fees across U.S. airlines
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- 5 things to know about California state tax
- Best if you have travel credit card coverage: Seven Corners
- How to get cheap car insurance
- How we picked the apps
- The bottom line
- Personal loans
- Methodology to identify the best budget apps
- What are the Roth IRA withdrawal rules?
- Risks of getting cheap auto insurance
- Cheapest for 40-year-old drivers
- How homeowners insurance works
- Best for long-term travelers: IMG
- How much is auto insurance based on age?
- Student loans
- How to find the right business idea for your small town
- How to make money offline
- Best for travelers with unpredictable work demands: Tin Leg
- Taxes
- Travel rewards
- Full list of the best car insurance companies
- How to choose a startup idea
- Full list of the best car insurance companies
- How much is auto insurance based on gender?
- Best for booking travel with points and miles: TravelSafe
- The bottom line
- Best car insurance companies by state
- Best car insurance companies by state
- How much is auto insurance based on vehicle type?
- How to find the best car insurance
- Best for group travel insurance: HTH Insurance
- How to find the best car insurance
- Cheapest for 50-year-old drivers
- What else affects my car insurance cost?
- How to get cheap car insurance
- Types of travel insurance
- Cheapest for 60-year-old drivers
- What does travel insurance cover?
- Watch out for making money scams
- What’s not covered?
- How much does it cost?
- Do I need travel insurance?
- How to choose the best travel insurance policy
- Cheapest for 70-year-old drivers
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- Top credit cards with travel insurance
- Methodology
- How to get cheap car insurance in Florida
- Minimum car insurance requirements in Florida
- No-fault insurance in Florida
- Why you can trust NerdWallet
The process of applying for a personal loan may feel overwhelming if you don’t know where to begin or what you need.
Below are five steps and common questions to help you through the process of choosing and applying for the best personal loan for your financial situation.
Step 1: Check your credit
Start the process by checking your credit. The interest rate and loan amount you receive depend a lot on your credit score, so reviewing your credit report lets you spot and fix any errors — like a falsely reported late payment — and strengthen your score before applying for a personal loan.
How does my credit score impact personal loan offers?
Good- or excellent-credit borrowers (those with scores of 690 or above) typically receive lower rates and have a wider group of lenders to choose from. On the other hand, bad- and fair-credit borrowers (scores below 690) may have fewer options and receive higher interest rates.
How do I see my credit score for free?
You can get a free credit score and credit report with NerdWallet. You can also request free credit reports directly from the three major credit bureaus at AnnualCreditReport.com.
Step 2: Pre-qualify and compare offers
Pre-qualifying for a personal loan gives you a preview of estimated rates, monthly payments and terms before you submit a formal application. Many lenders allow prospective borrowers to pre-qualify on their websites.
Will pre-qualifying affect my credit score?
No, pre-qualifying for a personal loan requires a soft inquiry, which doesn’t affect your credit score.
What do I need to pre-qualify for a personal loan?
To pre-qualify, you’ll need to submit information such as:
Loan purpose. Unsecured personal loans can be used for almost anything, and most lenders ask how you intend to use the money.
Requested loan amount. Lenders typically offer personal loans from $1,000 to $50,000.
Preferred loan term. Personal loans usually have repayment terms from two to seven years.
Personal and financial information. This could include your name, email address, date of birth, address, income and Social Security number.
If you’re unable to pre-qualify for a loan on your own, consider a co-signed or joint loan. Adding someone with a strong credit score and higher income can help you get approved and lower your rate. But keep in mind that a co-borrower or co-signer will be required to make loan payments if you fail to.
How long will it take to pre-qualify?
Pre-qualifying can take up to a few minutes after you submit your information. If you qualify for a loan offer, the lender will show you potential rates and terms to choose from.
Step 3: Choose your lender and loan
The best personal loan is usually the most affordable one. Carefully consider things like APR, monthly payments and fees before you accept an offer.
APR: The annual percentage rate is the total cost of borrowing and includes your interest rate and all additional fees. The lower the APR, the lower the cost of the loan.
Loan term: The loan term is how long you will be paying off the loan. A longer term can lower your monthly payments, but you’ll end up paying more in total interest than you would with a shorter-term loan.
Fees: Some lenders charge an origination fee, which is usually 1% to 10% of the loan amount. This fee increases your APR and a lender may take it upfront, effectively lowering your total loan amount.
Monthly payments: Check the monthly payment and make sure that you can comfortably afford the loan in your budget.
Features and benefits: Identify features that are important to you, like flexible payment options, help with building your credit or direct payment to creditors if you’re consolidating debt.
Personal loans from our partners
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
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on Discover
Discover
5.0
NerdWallet rating5.0
NerdWallet rating7.99- 24.99%
$2.5K- $40K
on Discover
on Upgrade
Upgrade
5.0
NerdWallet rating5.0
NerdWallet rating8.49- 35.99%
$1K- $50K
on Upgrade
on Upstart
Upstart
4.5
NerdWallet rating4.5
NerdWallet rating7.8- 35.99%
$1K- $50K
on Upstart
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
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on Discover
Discover
5.0
NerdWallet rating5.0
NerdWallet rating7.99- 24.99%
$2.5K- $40K
on Discover
on Upgrade
Upgrade
5.0
NerdWallet rating5.0
NerdWallet rating8.49- 35.99%
$1K- $50K
on Upgrade
on LightStream
LightStream
4.5
NerdWallet rating4.5
NerdWallet rating7.49- 25.49%
$5K- $100K
on LightStream
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
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on Discover
Discover
5.0
NerdWallet rating5.0
NerdWallet rating7.99- 24.99%
$2.5K- $40K
on Discover
on Upgrade
Upgrade
5.0
NerdWallet rating5.0
NerdWallet rating8.49- 35.99%
$1K- $50K
on Upgrade
on OneMain Financial
OneMain Financial
3.5
NerdWallet rating3.5
NerdWallet rating18.0- 35.99%
$1.5K- $20K
on OneMain Financial
on LightStream
LightStream
4.5
NerdWallet rating4.5
NerdWallet rating7.49- 25.49%
$5K- $100K
on LightStream
on Avant
Avant
4.0
NerdWallet rating4.0
NerdWallet rating9.95- 35.99%
$2K- $35K
on Avant
on SoFi
SoFi
5.0
NerdWallet rating5.0
NerdWallet rating8.99- 29.99%
$5K- $100K
on SoFi
on Best Egg
Best Egg
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on Upstart
Upstart
4.5
NerdWallet rating4.5
NerdWallet rating7.8- 35.99%
$1K- $50K
on Upstart
on Upgrade
Upgrade
5.0
NerdWallet rating5.0
NerdWallet rating8.49- 35.99%
$1K- $50K
on Upgrade
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
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on Discover
Discover
5.0
NerdWallet rating5.0
NerdWallet rating7.99- 24.99%
$2.5K- $40K
on Discover
on LightStream
LightStream
4.5
NerdWallet rating4.5
NerdWallet rating7.49- 25.49%
$5K- $100K
on LightStream
on Upstart
Upstart
4.5
NerdWallet rating4.5
NerdWallet rating7.8- 35.99%
$1K- $50K
on Upstart
Step 4: Gather loan documents
Once you’ve chosen a loan with the rate, term and features that best fit your needs, it’s time to complete the application. Depending on the lender, you may apply for the loan online or in person.
What do I need for my loan application?
You’ll need to provide some or all of the following:
Proof of identity, including a government-issued ID or driver’s license.
Proof of address, including a recent utility bill or lease agreement.
Proof of employment status.
Income details, including bank statements or pay stubs, and proof of additional income like retirement, alimony or child support.
Social Security number if it wasn’t submitted during pre-qualification.
If you have a co-borrower on your personal loan application, they will need to submit similar documents to verify their identity, address and income details.
» MORE: Requirements for a personal loan
Step 5: Submit your application and get funded
Submitting a formal loan application triggers a hard credit inquiry. This inquiry will shave up to five points off your score and remain on your credit report for two years.
If everything checks out, you could get same-day loan approval. If the lender requests additional documents, approval may take longer.
After you are approved, carefully read and sign the loan agreement, which lays out the loan amount, APR and terms. The lender will disburse funds once the loan agreement has been signed.
If a lender does not approve your loan application, it is required to tell you the reason for the denial or to inform you of your right to seek out that information. Knowing why your application was declined can help you improve your chances of future loan approval.
How quickly you receive the money will likely depend on the type of lender you choose. Many online lenders can provide same- or next-day funding, while some banks and credit unions may take up to a week.
» MORE: Best lenders for quick cash
Once you receive funding, expect your first loan payment to be due within 30 days. If you’ve opted into automatic payments, the funds will be debited from the bank account you provided. Add your monthly payment amount to your budget to manage your debt repayment.
on NerdWallet
on NerdWallet