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- Is whole life insurance worth it?
- 2. Bank of America: $2.34 trillion
- 5. Take clear pictures of the check with your mobile device
- How do Hilton points compare to other hotel programs?
- Investment accounts with integrated bank accounts
- How do small businesses use accounting?
- The Hanover renters insurance coverage
- Northwestern Mutual customer complaints and satisfaction
- Higher Education Act justifies plan B
- What to do if you face loan default
- Point-of-sale hardware
- Does the cost of FuboTV fit into your budget?
- Which card should you get?
- Which life insurance policy is right for me?
- 4. Leave the Rolex at home
- What is a good business credit score?
- Who should make estimated quarterly tax payments?
- 2. Disney California Adventure (Disneyland Resort in Anaheim, California)
- Best homeowners insurance in Arizona for consumer experience: American Family and Nationwide
- Option 3: Buy your car, sell it yourself
- Chase Sapphire Preferred® Card
- How to get a home equity loan
- 3. You can earn a bonus when you open an Upgrade checking account
- How families can manage costs of student loan debt
- Copay vs. deductible
- Ethos customer complaints
- How do I avoid foreign transaction fees on my debit card?
- What to do if you’re nervous
- Don’t overvalue your home’s upgrades
- Hard credit inquiry or soft inquiry?
- Why you might want The Platinum Card® from American Express
- April
- Avis
- APR vs. APY: What’s the difference?
- VA loan down payment requirements
- What’s a spousal Roth IRA?
- Types of REITs
- 3. Taking the standard deduction vs. itemizing
- 3. It's got a sky-high annual percentage rate
- 4. Use grants if you qualify
- How much should you spend on a mattress?
- 2. Buy a private jet
- General partnership
- How much should you invest in Reddit stock?
- Money market accounts vs. other accounts
- How does a HELOC work?
- How to contact your servicer
- Where to find non-QM loans
- Who might prefer the Capital One Quicksilver Cash Rewards Credit Card
- How to find another company's EIN
- Frugal DIY project tips
- Things to do
- Who must register as an investment advisor?
- Step 4: Get business insurance
- What do accountants do?
- Blanket coverage vs. scheduled personal property
- Why a financed offer may be better than cash
- Is cash value life insurance right for you?
- When to make changes to the FAFSA form
- USAA home insurance rates
- Do I have to pay California state tax?
- How to invest in dividend stocks
- How much is car insurance in my state?
- How to apply for a joint business bank account
- Buying bundles: Just For You and Bundle It
- 3. Inadequate rewards earning potential
- The significance of adjusted gross income
- Many cardholders lack vital credit card knowledge
- Other ways to avoid resort fees
- Getting a personal loan vs. an auto loan
- What is Ohio’s standard deduction?
- How to minimize student loan costs
- What else will change for tax year 2024?
- 2. Solo 401(k)
- The pros and cons of zero-based budgeting
- Categories from previous years
- You'll likely forgo a welcome bonus
- Home equity loan rates in 2023
- How to deal with debt collection
- More about Ethos life insurance
- How to open a brokerage account
- Redeeming points for Star Alliance awards
- Managing expectations
- The Bitcoin ETF price war
- Who needs vision insurance
- 4. Take advantage of first-time home buyer programs
- Where Northwestern Mutual stands out
- Today’s rates for specific kinds of mortgages
- Final thoughts on requesting missing United miles
- 5. Make it bigger
- Integrations with accounting software
- What can I do with my money if I max out my 401(k)?
- W-4 form 2024
- 5. Use (and hide) your phone strategically
- Tips for saving on house-painting costs
- How do you sign up for a Costco membership?
- Domestic vs. international fees
- What states are increasing minimum wages in 2024?
- What affects my interest rate?
- Reviewing the results
- Additional Medicare Part D companies
- 4. Getting into debt would be expensive
- Coinsurance vs. deductible
- Alternatives to regular savings accounts
- What Chase offers as alternatives
- 4. Marriott points expire after 24 months
- 3. Work with your creditors
- How to prioritize various financial goals
- How to find the right whole life insurance policy
- 5. Don’t let this happen again
- 4. U.S. Bank
- Who might prefer the Platinum
- More ways to take charge of your budget
- The cheapest airline awards available today
- United Airlines
- Final thoughts on flying Korean Air economy class
- How much to tip housekeeping
- Landlord responsibility for dog bites
- How long do medical bill collections stay on your credit reports?
- 4. Skip negotiating altogether
- Managing the costs of international stocks
- How to get started with a UTMA or UGMA account
- 5. Contact the seller or visit a dealership
- Other hardship loan options
- How to invest in AI stocks
- Additional functionality
- How to choose between term and whole life insurance
- RVshare: the biggest (and usually best) peer-to-peer RV rental company of them all
- Opting for a rider
- Mattress-buying tips
- 5. Online savings accounts
- The long straddle
- Shop
- More about money market accounts
- Don’t let your emotions get the best of you
- 6. Confirm the check details and complete the deposit
- Types of life insurance trusts
- Pros and cons of yield farming
- Why is the 10-year Treasury yield important?
- How to convert Hilton points to dollars
- How much to keep in your savings account
- Step 5: Separate your business finances
- What is a good DTI ratio?
- Step 3: Choose your lender and loan
- 3. Search unclaimed property databases
- Deposit timing
- Can you use a business credit card for personal expenses?
- Interest rate
- 3. Disney's Hollywood Studios (Walt Disney World Resort in Orlando, Florida)
- How to buy silver stocks, mutual funds and ETFs
- 3. Buy a house. Heck, buy houses for all your friends.
- Mortgage protection insurance vs. term life insurance
- Are home equity loans a good idea?
- 4. Check your approval terms before the hard pull; use the card immediately after
- Does pre-qualification affect your credit score?
- What if you don’t have enough JAL miles?
- What to expect from the credit card fraud investigation
- The bottom line
- 4. Consider a co-signer
- Shop around to find the best personal loan
- 3. Wells Fargo Bank: $1.68 trillion
- Should you insist on leaving a tip in Japan?
- Investing in growth and value stocks
- ESG investing vs. socially responsible investing vs. CSR
- Where Northwestern Mutual falls short
- Forgiveness would occur in 2025
- Customer experience
- 6. Make it smarter
- May
- The best times to day trade
- Other things to consider
- Cheapest car insurance after a speeding ticket: State Farm
- 6. Dress appropriately for the culture
- VA loan property requirements
- How to open a Roth IRA in 6 steps
- Credible private student loans
- 4. Airline miles program has useful partners
- How do you pay for purchases at Costco?
- Option 4: Buy your car and keep it
- 5. Get a work-study job
- Additional costs for international wires
- What’s the filing deadline for my Ohio state income tax bill?
- Gift tax limit 2023
- Get standard car insurance and keep it short term
- Pre-tax vs. Roth 401(k)
- Moving forward
- Best life insurance plans for parents or grandparents
- 5. Other cards might be a better option
- Best insurance company for affordability: NJM
- How it all works together
- How ARM rates are set
- Tips to get through mortgage underwriting
- How to handle these bills
- Alternatives to non-QM loans
- Which card should you get?
- 4. The premium card offers additional perks
- 7. Keep the check until it's processed
- Is it worth it?
- Storing your Bitcoins: Hot wallets vs. cold wallets
- Discounts
- Rent vs. inflation
- How to update tax information on the FAFSA
- Should I tip housekeeping if they don’t enter the room?
- Other valuable Citi Premier® Card benefits
- 2. Certificates of deposit
- Discounts
- Booking 2024 Paris Olympics accommodations
- What plans are best for seniors?
- Contract periods
- What is California's standard deduction?
- How compound interest works
- How to find the 2024 W-4
- Expect an emotional response
- How much life insurance should I buy?
- LLC payroll taxes
- How do I avoid paying baggage fees on Spirit Airlines?
- Full list of the best homeowners insurance in Arizona
- Tips to find cheap flights any day of the week
- Roth 401(k) withdrawal rules
- Understanding the American Express card families
- Ways to get the best home equity loan rates
- How to save money every month
- Get more help with monthly budget planning
- Frugal home expenses tips
- 5. Citibank
- 5. Shop around with multiple lenders
- Should you accept an all-cash offer?
- Average certificate of deposit rate: 1.81% for one-year CDs
- Which card should you get?
- The pros
- Best for emergency medical coverage: Allianz Global Assistance
- How to keep medical bills from hurting your credit
- 5. Don’t be afraid to walk away
- Why you may not be getting a response after an interview
- Benefits of a larger down payment
- 4. Access to a dedicated concierge
- What is your modified adjusted gross income (MAGI)?
- Minimum wage increases
- 5 things to know about Ohio state tax
- Premium checking accounts
- Credit union personal loan rates
- 5. When you stay a certain number of nights per year, you'll earn elite status
- How to change or cancel an EIN
- Do adjust the price or approach as needed
- Are 10-year Treasury notes a good investment?
- Final thoughts on tipping in Japan
- Do spot Bitcoin ETFs have custodianship risk?
- Current Build Card
- Alternatives to savings accounts
- Step 6: Consider small business financing needs
- What not to do
- More about Northwestern Mutual
- How much does it cost to invest in the S&P 500?
- Customer support
- 6. Inspect and test-drive the car, if applicable
- How to find AI ETFs
- 7. Buy a local SIM card to avoid high roaming costs
- Eligibility for other VA loans and grants
- How to calculate quarterly estimated taxes
- How to buy physical silver
- 6. Work for an employer that pays for college
- Other ways to cut wire-transfer costs
- Bank of America® Premium Rewards® credit card
- 5. Available to those with fair credit
- How the 9 states with no income tax stack up
- How to increase your pre-qualification amount
- Target
- More reading about ETFs
- How to choose the best ESG funds for you
- 4. Seek help through debt relief
- Brokerage accounts are taxable accounts
- Common misconceptions
- Learn more about cash value life insurance
- DTI isn't a full measure of affordability
- How to pay for improvements that increase value
- Is it time for you to switch to a better plan?
- Is solar panel installation right for your home?
- Day trading risk management
- Calculating capital gains tax on a home sale
- How to incorporate market cap in your portfolio
- 4. Payment history is reported to all 3 credit bureaus
- Is a Costco membership worth it?
- What is the median household income in the U.S.?
- Want cheaper insurance? Avoid these vehicles
- How do I grow my home's equity?
- 6. High-yield checking accounts
- Limited partnership
- Compare Roth 401(k) vs. traditional 401(k)
- The catch: Your health plan's network
- 5. A general travel rewards card is better for most
- Airline loyalty programs
- What factors impact your credit scores?
- 6. Consider alternative types of mortgages
- What we still don’t know
- Do you tip concierge?
- Step 4: Gather loan documents
- What to do with an old 401(k)
- What part of my income gets taxed by California?
- Do I have to update my W-4 every year?
- EveryDollar, for simple zero-based budgeting
- 5. Some fees are high
- How much does homeowners insurance cost in Arizona?
- 4. Give it away
- Claiming tax-deductible donations on your tax return
- How much does it cost to refinance a mortgage?
- Gift tax limit 2024
- 7 ways to reduce your 401(k) taxes
- How much can you borrow with a home equity loan?
- 5. Use collateral to secure the loan
- Getting flight delay compensation from Frontier
- 4. Citibank: $1.01 trillion
- ESG investing examples
- 6. PNC Bank
- Consumer complaints
- Southwest Airlines
- 3. Bonds
- Consumer complaints
- June
- Is APY variable?
- Cheapest car insurance after an accident: State Farm
- How much should you put down on a house?
- Days in the cycle
- 4. Keep an eye on popular tax deductions and credits
- Does silver diversify your portfolio?
- Upgrade's other credit cards
- Getting the most from your pre-qualification limit
- What’s the filing deadline for my Virginia state income tax bill?
- HELOC requirements
- Family life insurance solutions through work
- How do you buy 10-year Treasury notes?
- Ways to redeem cash back
- What's next?
- The cons
- How much is car insurance by company?
- Alternatives to term and whole life insurance
- 5. Purchase protection and extended warranty
- The long strangle
- Final thoughts on JAL's economy class
- Cost
- Tips for writing a company overview
- What do the approvals mean for Bitcoin?
- Disadvantages of franchising for the franchisee
- Where TD Bank business checking stands out
- Best Android personal expense tracker apps
- Which card should you get?
- 7. Determine which warranties are right for you
- How much do life insurance policies cost?
- 8. Join solo female traveler Facebook groups
- LLC self-employment taxes
- Consider Disney vacations that aren't a theme park
- Cheaper ways to send money
- How the lifetime gift tax exclusion works
- See if zero-based budgeting is right for you
- How to get a loan from a credit union
- 6. You can earn points and elite status faster with a Marriott Bonvoy-affiliated card
- Types of ESG investments
- Consumer experience
- It’s more expensive to rent than ever before
- Working from home tips
- If your DTI is high
- Final thoughts on hotel tipping
- Consumer experience
- Am I a resident for California state tax purposes?
- Bottom line: Is day trading right for you?
- How to adjust your Form W-4
- Why do I need a business credit score?
- How do Spirit bag fees compare with other airlines?
- Bottom line
- 7. Take out federal loans if you have to
- Buy non-owner car insurance
- How to get a home equity line of credit
- Other shopping apps to help you save and earn
- Are interest rates fixed on savings and checking accounts?
- Home equity loan requirements
- Do you pay tax on T-notes?
- 7. TD Bank
- Using your credit card for rental car coverage
- If you're considering earning cash back through the Citi Premier® Card
- Could we be in an AI bubble?
- Market capitalization vs. float-adjusted market cap
- Average cost of homeowners insurance in Arizona by city
- 5. Buy an island. Or make a movie.
- How to find the best refinance rates
- 3. SEP IRA
- 6 things to know about Virginia state income tax
- 6. Find the right lender
- Brokerage accounts vs. IRA
- Practical matters
- 5. U.S. Bank: $646.73 billion
- What's next
- Where to find the best savings accounts
- Who benefits from the cash stuffing envelope system
- Where TD Bank business checking falls short
- Bottom line
- July
- Should you sell your own home?
- How to earn or redeem TrueBlue points with other JetBlue travel partners
- Interest-based passive income ideas
- Are these the best dividend stocks?
- Will you owe capital gains taxes on your home sale?
- Other considerations to determine your down payment
- What's next?
- What to do if you’re not approved
- If you’re looking for the best Disney park for adults
- What is the Emirates first class experience like?
- How long does it take to get pre-qualified for a mortgage?
- What is the average and median retirement savings?
- Best insurance company for accident forgiveness: Geico
- More ARM terms to know
- Which type of life insurance should I put in a trust?
- Next Steps
- Getting there
- Work from home job scams
- Average money market account rate: 0.67%
- Alaska Airlines
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- AutoSlash Track a Rental
- Finally, enjoy your travels
- How do I get my business credit score?
- 5. Know what tax records to keep
- How to estimate taxes for an income tax extension
- LLC sales taxes
- 5. There’s no upgrade option
- Citi Custom Cash® Card
- Charitable deductions 2023
- Life insurance riders for your family
- Doing the math on copays, coinsurance and deductibles
- Could I lose my money in a checking or savings account if the bank fails?
- 5. Lower your living expenses
- 8. Capital One
- How did rent get so expensive?
- Step 5: Submit your application and get funded
- 8. Negotiate the best price
- Should you choose an LLC or a sole proprietorship?
- Cheapest car insurance after a DUI: Progressive
- Typical entry-level salaries by occupation
- Market capitalization vs. enterprise value
- C corporation
- How much can you borrow with a HELOC?
- Are home equity loans a good idea?
- Credit union vs. online lender
- Factors that don’t affect your credit scores
- USAA vs. competitors
- Alternatives to the best instant life insurance
- Spirit baggage policy, recapped
- How to boost your personal loan approval odds
- The cheapest home insurance in Arizona
- 2023-2024 lifetime gift tax exemption
- You can refinance an ARM
- Other home insurance companies to consider
- Buying rental car insurance on your own
- How much money can you make on YouTube?
- How to avoid capital gains tax on real estate
- Empower Personal Dashboard, for tracking wealth and spending
- Refinancing a mortgage, step by step
- Home shopping tips
- Should I have my checking and savings accounts at the same bank?
- There's no reason not to join if you stay at Marriott hotels
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- August
- Getting to Paris for the 2024 Olympics
- 8. Borrow private loans as a last resort
- 6. PNC Bank: $551.13 billion
- What do the approvals mean for other crypto investments?
- Varo Believe Secured Credit Card
- ESG investing: How to get started
- 9. Fifth Third Bank
- How to improve your credit
- Redeeming Capital One Miles
- When to consider Global Entry instead
- Pros of investing in REIT stocks
- How to pay estimated taxes
- LLC tax forms and deadlines
- The synthetic long
- Cards that earn American Express Membership Rewards points
- Finding a real estate agent: Tips for buyers
- Hilo vs. Kona recapped
- The bottom line
- 9. Maximize trade-in value, if applicable
- How much is auto insurance based on your driving record?
- Important considerations when opening a Roth IRA
- Resources for researching and comparing salaries
- Compare top-rated life insurance companies
- Should you invest in AI stocks?
- More about top-rated life insurance companies
- What to know about Arizona homeowners insurance
- Buy rental car insurance
- The bottom line
- 6. Tweak your W-4
- Booking Emirates first class with points: is it worth it?
- What is credit card consolidation?
- How to start a business in NY: The final word
- The difference between interest rate and APY
- Cheapest auto insurance for poor credit: Geico
- Additional help
- After deciding
- Cons of investing in REIT stocks
- Compare car insurance rates by driver history
- Is Credible legit?
- How much is the gift tax rate?
- Next steps
- How to get a business loan from a bank
- AutoSlash limitations
- Are there drawbacks to investing in the S&P 500?
- Earn an audience, and earn more in the long run
- September
- Is getting a HELOC a good idea?
- Best insurance company for having few customer complaints: American Family
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- What's the easiest way to invest responsibly?
- Principles of investment strategies
- Finding a real estate agent: Tips for sellers
- 3 best cold wallets
- How much does homeowners insurance cost in South Carolina?
- How can I check and monitor my credit?
- JetBlue Airways
- Best for those who pack expensive equipment: Travel Insured International
- If you're ready to start a budget
- 10. Make the purchase
- Frequently asked questions about estimated tax payments
- Capital One Venture Rewards Credit Card
- Is consolidating credit card debt a good idea?
- S corporation
- 4. SIMPLE IRA
- 7. Goldman Sachs: $463.99 billion
- Don’t count on the forgiveness plan B yet
- 4. Funds
- Who should avoid JetBlue Airlines?
- Is there an over-55 home sale exemption?
- Final thoughts on getting TSA PreCheck for free
- Find the best life insurance policy for you
- Investing in REITs: How to get started
- LLC tax tips for business owners
- W-4 calculator
- Other ways to make money
- California state tax credits
- If you’re considering a Capital One credit card …
- 7. Tax strategies to shelter income or cut your tax bill
- How to avoid gift tax
- Speak with an agent
- Alternatives to whole life insurance
- How to choose a real estate agent
- Who is most likely to rent?
- The bottom line: Do you need rental car insurance?
- October
- Getting around Paris
- Transfer points to your TrueBlue account from Chase, Citi or American Express
- If you’re considering flying JetBlue
- PocketGuard, for a simplified budgeting snapshot
- Mutual fund types
- How credit card holders can save money
- Methodology
- 8. Truist Bank: $534.93 billion
- Average cost of homeowners insurance in South Carolina by city
- Types of FHA loans
- Advantages of franchising for the franchisor
- How the FDIC calculates national rates
- Hawaiian Airlines
- Investing
- Understanding life insurance quotes
- Final thoughts on AutoSlash car rentals
- What else to know about Form W-4
- The bottom line
- What if you're not eligible?
- Limited liability company
- Is it better to get a home equity loan or line of credit?
- The cheapest home insurance in South Carolina
- November
- Cheapest car insurance for young drivers
- Arizona insurance department
- Best insurance company for financial strength: Auto-Owners
- More about whole life insurance
- Credit cards
- Rent vs. income
- Best for adventurous travelers: World Nomads
- U.S. Bank Cash+® Visa Signature® Card
- 9. Capital One: $468.23 billion
- Looking for more insurance in Arizona?
- Best stocks for beginners
- Company overview examples
- Alternatives to bank business loans
- Other ways to save money while in Paris
- What to do if you can’t keep up with your HELOC payments
- What to know about South Carolina homeowners insurance
- Grow Credit Mastercard
- What are the Roth IRA rules?
- Home purchasing tips
- 5. Defined benefit plan
- Which program offers the best award rates
- Mortgages
- Airline credit cards
- December
- Honeydue, for budgeting with a partner
- Cruise America: consider it the big box store of RV rentals
- 10. TD Bank: $366.25 billion
- How to choose the best business entity type
- FHA loan limits
- Cheapest car insurance for senior drivers
- The bottom line on investing in stocks
- How to track your California state refund
- How do mutual fund profits work?
- Best insurance company for discounts: Amica
- Best for medical coverage: Travelex Insurance Services
- Bilt World Elite Mastercard® Credit Card
- Disadvantages of franchising for the franchisor
- Other hardship assistance
- 11. BMO: $260.79 billion
- How to apply for an FHA loan
- California sales tax
- How to make money from home
- Cheapest car insurance by state
- Budgeting resources from NerdWallet
- Where to open a retirement plan if you’re self-employed
- Fees
- How much is auto insurance for good and poor credit?
- 12. Citizens Bank: $224.96 billion
- Pros and cons of FHA loans
- 5 things to know about California state tax
- Hardship financing to avoid
- Mutual funds vs. ETFs vs. stocks
- 5. Stocks
- South Carolina insurance department
- OpenSky® Secured Visa® Credit Card
- Final thoughts on finding the cheapest airline award tickets
- Personal loans
- Pros and cons of microloans
- Methodology to identify the best budget apps
- Other notable options
- Best insurance company for customer satisfaction: State Farm
- 13. First Citizens Bank: $213.59 billion
- Best if you have travel credit card coverage: Seven Corners
- How to get cheap car insurance
- How to get a microloan
- Ways to get the best FHA mortgage rates
- Major issuers and their policies on instant credit access
- The final word
- Other ways to earn American Express Membership Rewards points
- Hotel credit cards
- Risks of getting cheap auto insurance
- Outdoorsy: a hit and miss RV, peer-to-peer rental platform
- Student loans
- How much is auto insurance based on age?
- 14. Fifth Third Bank: $211.98 billion
- Is Spirit better than Frontier?
- Best insurance company for military members: USAA
- 6. Alternative investments
- The bottom line
- Best for long-term travelers: IMG
- How to make money offline
- Why you can trust NerdWallet
- The fine print
- Cred.ai Credit Card
- 15. M&T Bank: $208.61 billion
- Credit cards for dining
- Compare cards
- 7. Real estate
- Taxes
- 16. Huntington National Bank: $186.36 billion
- Full list of the best car insurance companies
- Other ways to save money
- Travel rewards
- Microlending alternatives
- How to choose a startup idea
- Best car insurance companies by state
- 17. Ally Bank: $185.72 billion
- Best for travelers with unpredictable work demands: Tin Leg
- How to choose the best investments in 2024
- How to compare car insurance rates
- How much is auto insurance based on gender?
- Store credit cards
- GO2bank Secured Credit Card
- How to find the best car insurance company for you
- 18. KeyBank: $185.57 billion
- How much does it cost to rent an RV?
- How to start a profitable business
- Best for booking travel with points and miles: TravelSafe
- How much is auto insurance based on vehicle type?
- 19. American Express National Bank: $174.80 billion
- Different types of car insurance
- Do you need insurance for an RV rental?
- 20. HSBC Bank USA: $161.30 billion
- What else affects my car insurance cost?
- Best for group travel insurance: HTH Insurance
- Self Secured Visa® Credit Card
- Why is car insurance so expensive?
- Options with more style than substance
- How to get cheap car insurance
- Should I consider buying an RV vs. renting one?
- Why you can trust NerdWallet
- Types of travel insurance
- The bottom line
- Credit cards that didn't make the list
- How to choose an insurance company
- Watch out for making money scams
- What does travel insurance cover?
- What’s not covered?
- How much does it cost?
- Do I need travel insurance?
- How to choose the best travel insurance policy
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- Methodology
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.
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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.
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