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- Other factors can help you buy a car with bad credit
- Types of state income tax
- What Original Medicare doesn’t cover
- 8. Trifold poster board
- When’s the best time to use HawaiianMiles?
- What about airline partnerships?
- 5 steps to refinance a business loan
- Where to exchange currency outside the U.S.
- How do streaming services fit into your budget?
- Digital marketing tools
- Request your passport number from the State Department
- Not everyone has started saving for retirement
- 4. Investigate vacation, sick leave
- How much will a real estate attorney cost?
- When to invest vs. save
- How to get a hardship loan
- Cheap car insurance in California by age
- 4. Find the right car for you
- Exceptions to state minimum car insurance requirements
- Refer a friend to a Marriott credit card
- Capital One Venture Rewards Credit Card
- How to reduce your risk
- Freezing your Experian credit report via postal mail
- How much are American Express Membership Rewards points worth?
- Airlines that offer lie-flat seats on smaller aircraft
- Nationwide customer complaints and satisfaction
- 20% rebate on eligible in-flight purchases
- 3. Don’t ask for too much cash
- Gift tax limit 2024
- Where Plaid is used: Examples
- Actual cash value vs. replacement cost coverage
- New York state supplemental income tax
- What you need to submit the FAFSA
- How to lock in a mortgage rate
- Alternatives to SBA loans
- Qualifying for a second mortgage
- Goodbudget, for hands-on envelope budgeting
- How to redeem rewards on the Ink Business Cash® Credit Card
- How it works
- Should you get a third credit card? … And a fourth?
- Trim expenses and tap assets
- Google Pay
- How are dividends taxed?
- 5. Find tax credits for health insurance
- The bottom line
- Why have an auto loan co-borrower?
- What is a tax exemption?
- 5. Sell handmade goods
- 5. Know the bank’s timeline
- Treasury bond and note calculator
- 3. The card’s special financing offer comes with limitations
- Which life insurance policy is right for me?
- How to prepare for dealer fees
- Which card should you get?
- When to estimate closing costs
- JetBlue insurance cost
- Point-of-sale hardware
- Qualifying for a Single Family Housing Direct Home Loan
- CD early withdrawal penalties at banks and credit unions
- Immediate resignation letter example
- When to consult with an advisor
- Local sales taxes in Florida
- Kids need an ID when flying internationally
- How to pay self-employment tax
- How to reduce your gains
- About home equity lines of credit
- Net worth calculator
- An alternative to chasing the best stocks
- Redeeming award nights
- Automate savings, with manual tweaks
- 5. Toronto Marriott City Centre Hotel - Toronto Blue Jays
- Kirkland’s
- 9. Kid-size headphones
- Understanding brokerage transfer fees
- Apply for Clear (maybe)
- What is the current unemployment rate?
- Disadvantages of paying off your car loan early
- Guaranteed approval credit cards
- 6 types of dividends
- The challenges after buying a high-LTV car
- How much should you spend on a mattress?
- 4. Deduction for repairs
- What's next?
- Your card has a hold placed on it
- Protect your vacation budget with travel insurance
- 4. Home Depot offers a separate card for bigger projects
- Choose a Medicare Supplement Insurance company
- April
- The bottom line
- How to ensure continued coverage
- 3. There's an upfront incentive, but it won't fund a shopping spree
- What is a good business credit score?
- Types of REITs
- Pet insurance coverage at a glance
- Take advantage of perks and protections
- More about the card
- What state has the highest gas prices?
- Prepaid 529 plans by state
- How much interest will I earn on $10,000?
- Earn extra bonus points
- How to keep your head above water after winning a game show prize
- Other coverage options
- What does Blue Cross Blue Shield Medicare Advantage cost?
- How does a HELOC work?
- Private loans may lack origination fees — and protections
- Other Hilton points pooling rules
- Average condo insurance cost by company
- 4. A paid M1 Plus membership unlocks more perks
- Social media marketing tools
- The significance of adjusted gross income
- 6. Apply for college grants
- The difference between tax exemptions, tax deductions and tax credits
- 5. Sign up for health insurance
- Other ways to avoid headaches
- Do I have to pay California state tax?
- Cheapest for 20-year-old drivers
- Why is food so expensive?
- Streamlined Flex Modifications
- What does a construction loan cover?
- 6. Sell digital products and downloads
- The pros and cons of zero-based budgeting
- Can United miles be used on other airlines?
- Why revenge travel could stick around
- Bank of America® Customized Cash Rewards credit card
- Best car insurance in California for customer complaints: Amica
- Standard deduction 2024 (taxes filed 2025)
- 5. There are no other Merrick Bank credit cards to graduate to
- Farmers home insurance rates
- Today’s rates for specific kinds of mortgages
- 4. Take advantage of first-time home buyer programs
- Compare at a glance
- PNC’s $5 safety buffer
- More about Nationwide life insurance
- How many banks have collapsed?
- How to apply for a joint business bank account
- Address your debt
- How to consolidate private student loans
- Other tech tools to help you manage your money
- The importance of a direct 401(k) rollover
- The crypto credit card comeback?
- What does Epcot have?
- 4. The card provides instant gratification
- What does this mean for your financial decisions?
- Fines and legal actions: Wells Fargo’s recent history
- Is unemployment rising or falling?
- Cruising versus flying
- Consumer takeaways
- Finding a real estate attorney
- Find a bank that suits your needs
- Optional coverages
- RetailMeNot
- Should I take a lump sum payment or annuity payments?
- Reviewing the results
- Does pre-qualification affect your credit score?
- Domestic vs. international fees
- More ways to take charge of your budget
- Integrations with accounting software
- Does Florida have property tax?
- Gift tax limit 2023
- 2. Free tax software
- Tax deductions for self-employment
- The bottom line
- What states are increasing minimum wages in 2024?
- Examples of cost basis
- Mattress-buying tips
- Get more help with monthly budget planning
- Additional Medicare Part D companies
- When do you have to pay taxes on stocks?
- W-4 form 2024
- 5. Loyalty doesn't always pay off
- What affects your credit score?
- Embrace: Best pet insurance for many ways to save
- Other hardship loan options
- 5. Contact the seller or visit a dealership
- Step 3: Choose your lender and loan
- Hotels on points in Boston
- Now move on to the budgeting
- 6. Rebounding from bank account fraud
- How lenders determine your factor rate
- Reasons to get a personal loan vs. home equity loan
- 4. You won't be able to finance a Nissan with the credit card
- 4. You may get first dibs on merchandise ...
- Additional functionality
- How to make an appointment at a passport agency
- Getting information about an Experian credit freeze by phone
- What does pet insurance cover?
- CDs vs. Treasurys vs. savings bonds
- How to invest in dividend stocks
- Next steps
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Pre-qualification vs. preapproval
- How to make a rental car insurance claim
- What isn’t covered by personal property insurance?
- Small, but a nice gesture
- RVshare: the biggest (and usually best) peer-to-peer RV rental company of them all
- Best homeowners insurance in Utah for consumer experience: American Family and Nationwide
- Elite status
- 3. EarnIn: Best for large advances
- How a mortgage rate lock works
- How flexible are HawaiianMiles?
- Keep records from your old account
- The bottom line
- What can you invest in with a Roth IRA?
- Where to avoid exchanging currency
- Get a credit-builder product or a secured loan
- Your card status has changed
- How has the Marriott points value changed over time?
- 5. Investing through M1 is automated
- Interest rate
- How does credit utilization affect my credit score?
- The bottom line
- 6. Research your 401(k) fees
- When to enroll in Medicare Supplement Insurance
- 4. You can qualify for one of the Ollo cards with fair credit
- How do construction loans work?
- 7. Sell thrifted or vintage goods
- Flight payment plans with no credit check recapped
- Treasury bills calculator
- What do closing costs include?
- Deposit timing
- 4. Consider a co-signer
- Forgive yourself for past mistakes
- Compare your net worth
- How to save on hotels during baseball season
- How do you get a second mortgage?
- Dividend tax rate 2023
- How to calculate the unemployment rate
- What to know about loan-to-value when refinancing
- Design tools
- May
- ONE VIP Visa Prepaid Card
- Moving forward
- Additional costs for international wires
- How do I get a copy of my actual tax return?
- Overdraft policies for PNC Virtual Wallet
- 4. Know when to leave it to the pros
- Get pre-qualified or preapproved?
- What state has the lowest gas prices?
- How the lifetime gift tax exclusion works
- When are New York state income taxes due?
- Managing expectations
- 5. The design will turn heads
- 5 types of employer-sponsored retirement plans
- 4. The premium card offers additional perks
- Skip currency exchange: Use a credit or debit card
- Who can participate in combining points?
- Other options to consider
- LLC payroll taxes
- Watch out for scams
- What are the pros and cons of car loan co-borrowers?
- How tax extensions work if you owe taxes
- What is California's standard deduction?
- What to expect when you open your new account
- 8. Help other business owners set up online stores
- Best California car insurance for ease of use: State Farm
- Standard deduction for those 65 or older
- How to increase your pre-qualification amount
- 5. It offers a decent sign-up bonus (if you can get it)
- Buying a call option vs. owning the stock
- How much life insurance should I buy?
- What are fleet cards?
- 5. Shop around with multiple lenders
- Contract periods
- How to find business class lie-flat seats on domestic flights
- How to redeem rewards on the Costco Anywhere Visa® Card by Citi
- How to save money every month
- How you could lose FAFSA eligibility
- How does cryptocurrency work?
- How did we determine the value of HawaiianMiles?
- What does a condo insurance rate include?
- How did we determine the value of Marriott Bonvoy points?
- What is your modified adjusted gross income (MAGI)?
- How to find the 2024 W-4
- When you need a passport for a cruise
- How to get a good credit score
- How to pick a good brokerage account
- How do I deal with lottery taxes?
- 5. ... But you won't want to carry a balance
- Food and beverage
- How to freeze your child’s credit
- Discounts
- Once you request your Experian credit freeze
- Is JetBlue travel protection worth it?
- Benefits of a larger down payment
- Best Medicare Advantage plans
- When are Florida taxes due?
- Do I have to pay New York state income tax?
- Can you stack rewards?
- Pros and cons of a 401(k) rollover into an IRA
- Credit union personal loan rates
- Minimum wage increases
- Are Roth IRAs insured?
- What is the labor force participation rate?
- Legislation seeks to eliminate fees
- 5. Other expenses
- Advantages of itemized deductions
- Strategies for keeping your credit utilization low
- Direct mail marketing tools
- What is net investment income tax?
- What's next?
- 7. Learn your vesting schedules
- Insurance broker vs. independent agent
- 6. Inspect and test-drive the car, if applicable
- No impact on forgiveness under IDR, PSLF
- How did we determine the value of United miles?
- Bank of America® Premium Rewards® credit card
- Other ways to cut wire-transfer costs
- No-closing-cost mortgages
- Customer support
- Cards to consider despite their balance transfer fee
- Are there other ways to get tax records?
- Ways to get the best USDA mortgage rates
- How to build your credit before car shopping
- IRAs
- Dividend tax rate 2024
- Final thoughts on Hilton Honors points pooling process
- What factors impact your credit scores?
- There are typos or everyday mistakes
- Another benefit of having an auto loan co-signer or co-borrower
- Ready to get started?
- What part of my income gets taxed by California?
- If you want to make the most of Marriott’s refer-a-friend promos
- Step 4: Gather loan documents
- Upside
- Getting the most from your pre-qualification limit
- Tips to find cheap flights any day of the week
- How do fleet cards work?
- 6. Consider alternative types of mortgages
- Resignation due to health issues letter example
- Why did First Republic Bank fail?
- Extra personal property coverage for valuable items
- Travel ID requirements for kids recapped
- What is the median household income in the U.S.?
- 2023 state income tax rates and brackets
- 5. A general travel rewards card is better for most
- How previously incarcerated people can strengthen their loan application
- How tax extensions work if you're due a refund
- 5. Watch out for the APR
- Close your old account, if needed
- How are food prices tracked?
- 9. Develop a Shopify app or theme
- Try a worksheet or app
- Other financing options
- How do you buy Vanguard Index fund shares?
- Ways to build your credit
- Claiming tax-deductible donations on your tax return
- Benefits for all Chase checking accounts
- U.S. passport agency locations
- How much should you put down on a house?
- Best for extra benefits: Anthem Medicare Supplement Insurance
- Is Florida a low-tax state?
- 5. Use collateral to secure the loan
- How to get financing to open a laundromat
- Federal student loan consolidation
- 4. Varo: Best for existing bank customers
- How much does a rate lock cost?
- EveryDollar, for simple zero-based budgeting
- How are cryptocurrencies created?
- HELOC requirements
- Purchase upgraded airfare with priority lane access
- Use a co-signer
- Days in the cycle
- Project management tools
- How to look up passport numbers recapped
- Do I have to update my W-4 every year?
- June
- Full list of the top auto insurance companies in California
- Consumer complaints
- Primary vs. secondary coverage
- 2024 lifetime gift tax exemption
- You don’t need to have $10,000 to take advantage of compound interest
- How your car loan can help you build better credit
- Roth IRA eligibility rules
- How to report dividend income on your taxes
- How to pay off a car loan early
- Samsung Pay
- How to reduce your condo insurance cost
- Disadvantages of itemized deductions
- How to minimize the tax impact of a bonus
- How to pay lower taxes when selling stocks
- How to make the most of The Platinum Card® from American Express
- How to get a construction loan
- Are Roth IRAs safe?
- Nationwide home insurance rates
- When should you freeze your credit?
- How important is it to pay no balance transfer fee?
- How to confirm if a flight has business class lie-flat seats
- 3 investing myths
- Seat selection
- How are gas prices determined?
- What is New York state's standard deduction?
- Disadvantages of franchising for the franchisee
- LLC self-employment taxes
- How many tax extensions can you file?
- Am I a resident for California state tax purposes?
- 7. Determine which warranties are right for you
- 10. Become a Shopify Affiliate
- See if zero-based budgeting is right for you
- Married filing separately: Bottom line
- Tips for calculating how much life insurance you need
- How much do life insurance policies cost?
- Cheaper ways to send money
- Consumer experience
- Calculating capital gains tax on a home sale
- 3. Volunteer Income Tax Assistance (VITA)
- Full list of the best homeowners insurance in Utah
- How to get a loan from a credit union
- Is a mortgage rate lock worth it?
- Blue Cross Blue Shield Medicare Advantage plan types
- How to get a home equity line of credit
- How is the job market right now?
- Who would benefit from a Cardless credit card?
- How to get a refund if the IDR account adjustment forgives your debt
- FamZoo Prepaid Card
- Standard deduction for dependents
- How long does it take to get pre-qualified for a mortgage?
- Seller-paid closing costs
- Why did Silicon Valley Bank fail?
- How to earn more interest in a savings account
- The bottom line
- Why are there so many kinds of cryptocurrency?
- How to control your dividend tax bill
- Exchange frequently? Consider a multicurrency account
- Become an authorized user
- How to evaluate dividends
- How to adjust your Form W-4
- Other ways to buy insurance
- How much does a tax extension cost?
- Tips for making money on Shopify
- Alternatives to Roth IRAs
- Why do I need a business credit score?
- Other considerations to determine your down payment
- 6. Find the right lender
- What does the Job Openings and Labor Turnover Summary report show?
- What's next?
- What is the average and median retirement savings?
- July
- The bottom line
- Keep budgeting and communicating
- What are the best Vanguard index funds?
- Ibotta
- Term vs. whole life insurance tool
- Cons of a credit freeze
- Who pays the gift tax?
- Am I a resident for New York state income tax purposes?
- LLC sales taxes
- Tax extensions for overseas taxpayers and military members
- Step 5: Submit your application and get funded
- U.S. Bank Cash+® Visa Signature® Card
- Charitable contributions 2023
- Discounts
- Selling a call option
- Can you get a passport in one day?
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- 5. Dave: Best for repayment flexibility
- Retirement accounts for small-business owners and self-employed individuals
- How much can you borrow with a HELOC?
- Factors that don’t affect your credit scores
- Next Steps
- 8. Negotiate the best price
- U.S. Bank Altitude® Connect Visa Signature® Card
- When can't you take the standard deduction?
- Keys to crowdfunding success
- How do I get my business credit score?
- Another Chase checking account perk: the Chase Disney debit card
- Fleet fuel cards: benefits and drawbacks
- Farmers vs. competitors
- What are the best dividend stocks?
- Do you pay taxes when you receive a gift?
- How much does homeowners insurance cost in Utah?
- Credit union vs. online lender
- 2024 state income tax rates and brackets
- What’s a spousal Roth IRA?
- The best place to exchange currency at the end of your trip
- Advantages of the standard deduction
- Your readiness to buy a home
- Types of gas
- How to consolidate federal loans
- Available BCBS Part D prescription drug plans
- Other closed-loop cruises
- Credit freeze or credit lock?
- Will you owe capital gains taxes on your home sale?
- How much money can you make on YouTube?
- Final thoughts on Hyatt vs. Hilton
- Should I lock my mortgage rate today?
- Empower Personal Dashboard, for tracking wealth and spending
- Should you refinance your business loan?
- How to improve your credit
- What is the highest credit score, and how many people have it?
- What happens after you file a tax extension?
- Figo: Best pet insurance for cats
- August
- As a last resort, contact your member of Congress
- If you're looking to book business class lie-flat seats
- Why did Signature Bank fail?
- How much personal property insurance do you need?
- Is the gift tax deductible?
- Are cryptocurrencies financial securities, like stocks?
- Currency exchange: Frequently asked questions
- LLC tax forms and deadlines
- Greenlight Prepaid Mastercard
- How much is my 2023 standard deduction?
- 3. Make the most of your savings
- Alternatives to crowdfunding
- Consumer complaints
- How Chase premium checking accounts compare
- Cards that earn American Express Membership Rewards points
- Are mobile wallets safe?
- Another way to save on interest without paying off your car loan
- Get credit for the bills you pay
- Important considerations when opening a Roth IRA
- The bottom line
- 9. Maximize trade-in value, if applicable
- Dosh
- Who can access your frozen credit reports?
- Compare top-rated life insurance companies
- Pros of investing in REIT stocks
- How to avoid capital gains tax on home sales
- What does pet insurance not cover?
- Medigap plan types
- If you’re considering booking a rental car with your Chase Freedom credit card
- How much is the gift tax rate?
- Average cost of homeowners insurance in Utah by city
- 6. MoneyLion: Best for existing customers
- Disney Epcot vs. Animal Kingdom
- Roth IRA vs. traditional IRA: What's the difference?
- What is the quit rate?
- How do you file a state tax extension?
- Consumer experience
- How to get a passport in 24 hours
- Other fees
- What happens if my rate lock expires before closing?
- Compare insurance rates by driver history
- If you want to cruise to the Bahamas
- After deciding
- Fuel card vs. business gas credit card
- 11 ways to prevent identity theft
- 4. GetYourRefund.org
- Next steps
- Find the right business loan
- Is getting a HELOC a good idea?
- How can I check and monitor my credit?
- September
- Baggage and other perks
- Additional benefits for premium Chase checking accounts
- Cons of investing in REIT stocks
- What’s happening with Silvergate Capital Corp.?
- Why are California gas prices so high?
- Earn an audience, and earn more in the long run
- Are dividends taxed?
- 10. Make the purchase
- AmEx Centurion Lounge locations
- Types of financial planning help
- Our lists of the best options
- The cheapest home insurance in Utah
- Cheapest for 30-year-old drivers
- Third-party ratings
- Standard deduction vs. itemized deductions
- LLC tax tips for business owners
- The Platinum Card® from American Express
- 2023 vs. 2024 standard deduction
- Find the best life insurance policy for you
- The bottom line
- What happened to Credit Suisse?
- How to make a personal property claim
- Common gift tax return triggers
- If you want to visit Epcot or Animal Kingdom
- Pros and cons of cryptocurrency
- Are wages increasing?
- Practice good credit habits
- Next steps
- Which states have tax deadline extensions?
- California state tax credits
- What is credit card consolidation?
- Nationwide vs. competitors
- Investing in REITs: How to get started
- 7. SoLo Funds: Best for peer-to-peer cash advances
- How to open a Roth IRA in 4 steps
- Taxes on bonuses: The bottom line
- W-4 calculator
- Walmart MoneyCard
- Receipt Hog
- Why call options can make sense
- Is a Chase checking account the right choice?
- Small-business incubator programs
- Other ways to make money
- October
- When to claim the standard deduction
- How taxes on real estate, rental, and investment sales work
- What to know about Utah homeowners insurance
- Advantages of franchising for the franchisor
- PocketGuard, for a simplified budgeting snapshot
- How does credit card consolidation work?
- Understanding life insurance quotes
- Does your business need a fleet fuel card?
- Comparison of unaccompanied minor fees by airline
- DFW airport transportation
- Cheapest for 30-year-old drivers
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Final thoughts on Centurion Lounge access
- Are other banks are in trouble?
- Does the president control gas prices?
- Is it better to get a home equity loan or line of credit?
- What else to know about Form W-4
- Worth it for the long-haul
- Is there an over-55 home sale exemption?
- The bottom line
- 5. Tax Counseling for the Elderly (TCE)
- 8. Klover: Best for no-fee advances
- What does the Employment Cost Index Show?
- Check your credit scores and reports
- November
- Should I take my money out of the bank?
- What are tax deductions?
- NYC income tax rates
- OK, what's next?
- Is consolidating credit card debt a good idea?
- Rakuten
- Pet insurance coverage by company
- Alternatives to startup business grants
- How does the Israel-Hamas war affect gas prices?
- Cryptocurrency legal and tax issues
- What to do if you can’t keep up with your HELOC payments
- Final thoughts on the best flight booking site
- Bundles — are they worth it?
- The bottom line
- Why is financial planning important?
- First-time home buyer programs near Virginia
- If you travel to Boston with points and miles
- Branded cruise line credit cards
- Can I still use my credit card after debt consolidation?
- How does pet insurance work?
- Are we in a recession?
- MetLife: Best pet insurance for dogs
- Low-fee alternatives to prepaid cards
- Will unemployment rise?
- National first-time home buyer programs
- December
- Cruise America: consider it the big box store of RV rentals
- Pros and cons of loan apps
- Honeydue, for budgeting with a partner
- Your decision: Is cryptocurrency a good investment?
- Blue Cross Blue Shield Medicare Advantage service area
- Other cash-back apps to consider
- 6. MilTax
- How to track your California state refund
- 4. Be persistent
- Shopkick
- Are we headed for a depression?
- When is the next jobs report?
- Cheapest car insurance by state
- Prime Visa
- What are tax write-offs?
- 6 things to know about New York state income tax
- Utah insurance department
- CoinOut
- Disadvantages of franchising for the franchisor
- Other hardship assistance
- BCBS customer service
- California state sales tax
- Swagbucks
- The bottom line
- Prepaid-like options from fintechs: Apple Cash and Cash App
- How to make money from home
- 7. Direct File
- How do you claim tax deductions?
- Looking for more insurance in Utah?
- Budgeting resources from NerdWallet
- What if you're not eligible?
- Credit cards do cash back too
- 10 ways identity theft happens
- 5 things to know about California state tax
- Airport hotels at DFW
- How to get cheap car insurance
- Hardship financing to avoid
- Other home insurance companies to consider
- Are cash advance apps payday lenders?
- How we picked the apps
- Airport security at DFW
- Methodology to identify the best budget apps
- Are apps like DailyPay and Payactiv cash advance apps?
- What are the Roth IRA withdrawal rules?
- Risks of getting cheap auto insurance
- Best prepaid debit cards: Summary of fees and ATMs
- Cheapest for 40-year-old drivers
- Nationwide: Best pet insurance for exotic pets
- Target Circle™ Credit Card
- What are prepaid debit cards?
- Who can get pet insurance?
- The final word
- Alternatives to cash advance apps
- Other ways to earn American Express Membership Rewards points
- Customs at DFW
- Outdoorsy: a hit and miss RV, peer-to-peer rental platform
- Cheapest for 40-year-old drivers
- Do you need pet insurance?
- Prepaid debit cards vs. regular debit cards
- DFW airport guide recapped
- How to make money offline
- The fine print
- Frequently asked questions about prepaid cards
- What does pet insurance cost?
- Capital One® Walmart Rewards™ Mastercard®
- How to get pet insurance
- Cash advance app star rating methodology
- Comparing cruise prices across websites
- Pets Best: Best pet insurance for flexible plans
- Full list of the best car insurance companies
- Full list of the best car insurance companies
- EXCELLENT GENERAL-PURPOSE CARDS FOR SHOPPING
- How to compare car insurance rates
- Mitigate cancellation policy risks with travel insurance
- Best car insurance companies by state
- Best car insurance companies by state
- PlayStation Visa Credit Card
- How to report identity theft
- Travel cards with cruise benefits
- How much does it cost to rent an RV?
- How to start a profitable business
- How to find the best car insurance
- How to find the best car insurance
- The best of the rest
- Booking a cruise recapped
- Cheapest for 50-year-old drivers
- What happens when you report identity theft?
- Do you need insurance for an RV rental?
- Cheapest for 50-year-old drivers
- How to find the best home insurance policy in five common scenarios
- Spot: Best pet insurance for straightforward waiting periods
- What is the best identity theft protection service?
- Best Buy credit cards
- Should I consider buying an RV vs. renting one?
- If you want to maximize The Platinum Card® from American Express
- Xbox Mastercard
- The bottom line
- How to choose an insurance company
- How much is pet insurance?
- How to compare homeowners insurance
- Cheapest for 60-year-old drivers
- How to find the best dog insurance
- Watch out for making money scams
- Cheapest for 60-year-old drivers
- How to find the best cat insurance
- Find the best homeowners insurance in your state
- How we ranked the best homeowners insurance companies
- How to compare pet insurance companies
- Cheapest for 70-year-old drivers
- Cheapest for 70-year-old drivers
- How we ranked the best pet insurance companies
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- How AAA car insurance works in California
There’s no universal formula for getting approved for a personal loan. Requirements such as credit score and income vary by lender, and some online lenders consider nontraditional data, like free cash flow or education level.
But loan companies have one thing in common: They want to be paid back on time, which means they approve only borrowers who meet their requirements. Here are six tips to boost your chances of qualifying for a personal loan.
on NerdWallet
1. Clean up your credit
Your credit score is a major consideration on a personal loan application. The higher your score, the better your chance of approval.
Check your reports for errors. Common errors that may hurt your score include accounts incorrectly reported in your name, closed accounts reported as open and incorrect credit limits, according to the Consumer Financial Protection Bureau.
You can get your credit reports for free once a week at AnnualCreditReport.com. With evidence to support your claim, dispute any errors online, in writing or by phone.
Get on top of payments. If you’re not already, be vigilant about making on-time payments toward all your debts, paying more than the minimums when possible. This will benefit your payment history and credit utilization ratio, which is the percentage of your available credit that you’re using. Together, your payment history and the amount of debt you owe make up 65% of a FICO credit score.
Request a credit limit increase. Call the customer service numbers on the back of your credit cards and ask your creditors if you can get an increase without a hard credit check. You have a better chance if your income has risen since you acquired the card and you haven’t missed any payments.
2. Rebalance your debts and income
Loan applications ask for your annual income, and you can include money earned from part-time work. Consider increasing your income by starting a side hustle or working toward a raise at your full-time job.
Also, do what you can to pay down debt.
Boosting your income and lowering your debt improves your debt-to-income ratio, the percentage of your monthly debt payments divided by monthly income. Not all lenders have strict DTI requirements, but a lower ratio shows that your current debt is under control and you can take on more.
3. Don’t ask for too much cash
Requesting more money than you need to reach your financial goal can be seen as risky by lenders and may make it harder to get approved.
A larger personal loan also squeezes your budget, as higher loan payments impact your ability to meet other financial obligations, such as student loans or mortgage payments. Use the calculator below to estimate your potential monthly payment on a personal loan based on your desired loan amount and repayment term.
Personal loan calculator
4. Consider a co-signer
If you have a fair or bad credit score (below 690), adding a co-signer with stronger credit and income can increase your chances of approval.
Lenders may be more inclined to approve a loan application with a co-signer, because it provides an additional person who is legally responsible for repaying the loan.
Make sure anyone you ask to co-sign a loan fully understands their obligations and the risks before agreeing.
» COMPARE: Personal loans with a co-signer
5. Use collateral to secure the loan
You may have a better chance of loan approval if you apply for a secured loan. A secured loan requires you to pledge an asset that you own — typically a vehicle or savings account — as collateral that the lender can take if you don’t repay the loan as agreed.
Secured personal loans are less risky for lenders than unsecured loans, because they can use the pledged asset to recoup any losses. Not all lenders offer secured loans, but those that do may have less stringent requirements or charge lower interest rates for secured loans.
» MORE: Best secured personal loans
6. Find the right lender
Some lenders disclose their minimum credit score requirements, loan amounts and whether they offer options like co-signers.
If you meet a lender’s minimum qualifications and want to see estimated rates and terms, you can pre-qualify for a personal loan. Pre-qualifying usually triggers a soft credit pull, which does not impact your credit score.
» MORE: Best personal loans
Pre-qualify with multiple lenders to compare rates and terms. The best loan option has low interest costs and monthly payments that fit into your budget.
on NerdWallet
on NerdWallet
on NerdWallet