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- Best homeowners insurance in Ohio for coverage: Erie and Openly
- Will I qualify for student loan refinancing?
- Child tax credit expansion: What the tax deal could mean for you
- How to invest in the S&P 500 in two steps:
- Spouses no longer need to co-sign IDR applications
- What to know if you take online surveys
- Episode transcript
- Who can open a joint business account
- Other factors can help you buy a car with bad credit
- 3. There is a sign-up bonus
- The Federal Trade Commission’s budget worksheet
- Continue to learn and improve
- Cost of flights to Australia and New Zealand
- Deciding between term and permanent life insurance
- How to calculate alternative minimum tax
- General advice for international money transfers
- How does Hulu fit into your budget?
- More about the best renters insurance companies in New York
- Dividend kings vs. aristocrats
- Terminal 2: Delta Sky Club
- 7 types of identity theft and the warning signs
- Input new refinanced car loan information
- Is per-card or overall utilization more important?
- Additional car insurance coverage options
- Where do the credit reporting bureaus get their data?
- How much does it cost to submit the Common App?
- Startup business grants from private companies and nonprofits
- What are the benefits of early direct deposit?
- Small-business lending statistics
- OASDI limit 2024
- How to start an eBay business: 15 tips
- What are the risks of buying crypto?
- Where do lottery prizes come from?
- When you should lock your mortgage rate
- Country Financial home insurance coverage
- How much are Capital One miles worth?
- Get input from a professional
- 7. Request a payroll advance
- Caveats about UTMA and UGMA accounts
- Goodbudget, for hands-on envelope budgeting
- 3. Redemption options are plentiful, but there are caveats
- Are Roth IRAs insured?
- Where Etsy wins
- Does YouTube TV allow password sharing?
- 4. You can walk your dog
- Average monthly expenses that increased year over year
- Is Net 30 right for your business?
- 5. Consider doing it yourself
- What does 'account closed' mean on a credit report?
- Glossary of overdraft terms
- Qualifying for a second mortgage
- How do streaming services fit into your budget?
- 5. Take clear pictures of the check with your mobile device
- Pay yourself back later
- 8. Use LinkedIn Groups to expand your network
- 5. Use IntraFi Network Deposits
- Weighing the pros and cons of debt consolidation
- 4. Peer-to-peer lending
- 1. High-yield savings accounts
- Toggle renters insurance coverage
- How to get a home equity loan
- Standard deduction 2023
- Strategies for after-tax 401(k) contributions
- Best life insurance company overall: MassMutual
- Buying securities on the OTC markets
- Don't be afraid to negotiate with the seller
- Request your passport number from the State Department
- How much do streaming services cost?
- The cost of debt without a balance transfer
- 4. Merchant-specific discounts
- How to get started with equity crowdfunding
- Alternatives to a cash-out refinance
- Applying for a loan to buy a business
- Potential pitfalls of life settlements
- Earned income tax credit 2024
- Exceptions to state minimum car insurance requirements
- Which cards are eligible for the American Express concierge?
- 3. Don’t ask for too much cash
- Other great card features to keep in mind
- What happens next?
- How much do index funds cost?
- 5. Know the bank’s timeline
- How is CPI calculated?
- Factors to consider before paying rent with a credit card
- 4. The APR is 0%
- 5. Understand the Southwest boarding upgrade perk
- 5. Capital One Shopping
- How are dividends taxed?
- 3. There's no sign-up bonus
- 2024 IRS Free File: Participating tax software providers
- How opening a new card can help your credit
- Mobile app
- When to estimate closing costs
- If you want a credit card for gym memberships, fitness clubs, etc.
- Qualifying for a Single Family Housing Direct Home Loan
- An alternative: Blue-chip funds
- What to know about joining a credit union
- Are Treasury bills a good investment?
- Is the OASDI tax mandatory?
- Kirkland’s
- 4. Seek out certified veteran affairs staff
- 5. Find tax credits for health insurance
- Globe Life customer complaints and satisfaction
- 4. Resist dipping into your other savings
- More advanced stock chart terms
- 4. Leave the Rolex at home
- How to fit Uber into your budget
- How to write off property taxes if you bought or sold a house this year
- Where does lottery revenue go?
- When do personal loans not make sense?
- How to dispute your Equifax report by phone
- Converting a nondeductible IRA into a Roth IRA
- Your 401(k) plan allows after-tax contributions
- Types of REITs
- How do you qualify for the federal solar tax credit?
- What is a good PE ratio?
- April
- What’s a spousal Roth IRA?
- What to ask before buying a used iPhone
- 4. Learn about the Delta SkyMiles program
- What's next?
- Frugal DIY project tips
- 9. Partner with a fellow small-business owner
- 6. Open a cash management account
- Should I take a lump sum payment or annuity payments?
- Factor in other costs
- Original Medicare vs. Medicare Advantage: Coverage features
- What’s your overall approach to finance?
- Check-in
- What if you can't get Medigap?
- Are there any issues with early direct deposit?
- Take advantage of savings programs
- How to contact your servicer
- Amazon shopping
- 4. Leverage memberships
- How much should you spend on a mattress?
- Risks
- 8. Take a loan from your retirement account
- What happens if I miss the October tax extension deadline?
- How to open a joint account
- How many banks have collapsed?
- How to apply for a joint business bank account
- Best car insurance in New Jersey for customer satisfaction: NJM
- How to book a business class ticket with Turkish Airlines
- Do I have to pay California state tax?
- Does YouTube TV offer offline viewing?
- 3. Open an investment account
- How to invest in dividend stocks
- USPS mail hold
- 2. Solo 401(k)
- The pros and cons of zero-based budgeting
- How to get overdraft fees waived
- 5. Downplay social media
- How to invest in dividend aristocrats
- Deferment vs. forbearance for private student loans
- Best sustainable investments
- How to open an ABLE account
- Other ways to gain airport lounge access
- How much does a home inspection cost?
- Endorsements
- How to invest in AI stocks
- 5. Benefits
- 4. Está motivado por una línea de meta clara
- How does a covered call strategy work?
- 6. Apply for college grants
- Around 1 in 7 travel rewards cardholders have 100,000-plus points
- Today’s rates for specific kinds of mortgages
- Is a high-deductible health plan right for you?
- What happens next?
- 3. Work with your creditors
- Best Pennsylvania car insurance for customer satisfaction: Auto-Owners
- Diversifying with index funds
- RetailMeNot
- Booking award flights
- Card considerations
- More ways to take charge of your budget
- Final thoughts on what to do after getting the Southwest Rapid Rewards® Priority Credit Card
- When to talk to a tax professional
- Average monthly expenses that declined
- How much does term life insurance cost?
- How to choose a rent-reporting service
- W-4 form 2024
- 6. If you go pro, do your research
- How long will a paid-off account take to show up on your report?
- 10. Give back
- What is a good credit score for your age?
- What states are increasing minimum wages in 2024?
- 2. Free tax software
- Original Medicare vs. Medicare Advantage: Cost
- Reviewing the results
- Next steps
- Standard deduction 2024
- What if I can’t provide collateral or a personal guarantee?
- How to book rental cars on Orbitz
- Inflation example
- Domestic vs. international fees
- You can get a credit card while unemployed, but is it a good idea?
- Cash-out refinance costs
- How Globe Life compares to other insurers
- 5. Use (and hide) your phone strategically
- What to ask before you sell your life insurance policy
- How to get a bigger property tax deduction
- Are my finances stable enough to refinance?
- How did we determine the value of Capital One miles?
- Optional coverages
- The bottom line
- 9. Borrow against life insurance
- Additional functionality
- Your 401(k) lets you move your after-tax money
- How to get started with a UTMA or UGMA account
- What is the Lifetime Learning Credit?
- 6. Rebounding from bank account fraud
- Is United’s basic economy worth it?
- These national parks are always free
- What’s next?
- 5. You may score a free massage
- 5. You can earn cash back on select purchases
- Get more help with monthly budget planning
- When do you have to pay taxes on stocks?
- 6. Confirm the check details and complete the deposit
- Hack your IRA
- 7. Put your money in a MaxSafe account
- 5. Online savings accounts
- Types of life insurance trusts
- Are home equity loans a good idea?
- Why is the 10-year Treasury yield important?
- Workers fear losing hard-fought union benefits
- 4. Redemption options include investing in stocks and ETFs
- Best homeowners insurance in Washington for consumer experience: American Family and Nationwide
- Google Pay
- What car insurance doesn’t cover
- Can other types of data help my credit reports?
- OTC markets vs. exchanges
- Don't assume the home inspector can be held liable
- How did you finance the tiny home?
- WooCommerce: Best shopping cart plug-in for WordPress users
- Fresh Start benefits available now — without enrolling
- How much to keep in your savings account
- Still, there are challenges
- 5. Find a military-friendly college
- What value can you get?
- 5. Get help with saving for a down payment
- Mattress-buying tips
- What to do after removing an authorized user
- What are the lottery payout options?
- How to qualify for the earned income credit
- Should I file taxes now or wait for the child tax credit expansion?
- How do other IDR plans compare?
- Interest rate
- Does YouTube TV fit in my budget?
- Potential impact of multiple credit cards on your credit scores
- Step 4: Evaluate and pivot
- 4. There's no 0% intro APR offer
- How do you get a second mortgage?
- 11. Create an eye-catching display
- What do closing costs include?
- Ways to earn money as a teenager
- How does credit utilization affect my credit score?
- How to lease a car
- Chase Freedom Flex℠
- Airlines that allow unaccompanied minors and their fees
- What causes Treasury bill rates to fall?
- How does crypto fit into your portfolio?
- How do balance transfers work?
- The bottom line
- How to save money on an Uber
- Discounts
- 10. Use a credit card cash advance
- 4. Consider a co-signer
- 4. You can spend your way to a $250 RCI vacation credit
- PE ratio example calculator
- May
- How to open a Roth IRA in 6 steps
- 5 types of employer-sponsored retirement plans
- RIAs vs. investment advisor representatives (IARs)
- How much should I spend each month?
- The bottom line
- What tax breaks do you lose under the AMT?
- 7. Keep the check until it's processed
- What are IRS Free File Fillable Forms?
- 8. Opt for an account with both FDIC and DIF insurance
- Costs are up, and holiday travelers are taking steps to save
- Rent vs. inflation
- How do I deal with lottery taxes?
- Look for savings
- How to choose between Original Medicare and Medicare Advantage
- Calculate the cost of deferment vs. forbearance
- Moving forward
- Consider the costs of cashing out your 401(k)
- Best life insurance company for applicants with HIV: Guardian
- Additional costs for international wires
- Is OASDI tax the same thing as Social Security tax?
- More about Globe Life
- 6. Dress appropriately for the culture
- Gift tax limit 2023
- What is the stock market doing today?
- What information is not found on your credit reports?
- 4. You can shop instantly after you are approved for the card
- Is it safe to buy a used phone?
- When Grubhub+ might be right for you
- What is California's standard deduction?
- The bottom line
- Does paying rent build credit?
- Frugal home expenses tips
- How to find the 2024 W-4
- Dividend aristocrats ETFs
- 12. Hit the streets
- What’s next
- ABLE accounts can provide peace of mind
- Why doesn’t my report show a credit score?
- What happens during a home inspection?
- Special limits
- How to find AI ETFs
- 5. Ha llegado a la raíz de tu deuda
- Average certificate of deposit rate: 1.81% for one-year CDs
- Watch out for scams
- 11. Look for a payday alternative loan
- Best for emergency medical coverage: Allianz Global Assistance
- How quickly could the IRS implement the child tax credit expansion?
- Best Pennsylvania car insurance for ease of use: State Farm
- Quick start guide: How to invest in index funds
- The most popular surveys for cash apps
- Best car insurance in New Jersey for ease of use: State Farm
- How do RIAs make money?
- Sample life insurance rates for men and women
- Current Build Card
- Minimum wage increases
- Benefits of a larger down payment
- 3. Get disability and life insurance
- 2. Certificates of deposit
- Are 10-year Treasury notes a good investment?
- Standard deduction for those 65 or older
- How far along are you in paying back the loan?
- Can I get my Social Security tax back if I’ve overpaid it?
- Alternatives to savings accounts
- Why invest in commodity ETFs?
- The bottom line
- Credit union personal loan rates
- Covered call ETFs
- 5. Opt for economy cars
- Where to get a loan to buy a business
- Best homeowners insurance in Ohio for consumer experience: American Family and Nationwide
- Doing the math on HDHPs
- 4. Seek help through debt relief
- You’ve got money left over for savings
- How much does it cost to invest in the S&P 500?
- What other projects are eligible for the residential clean energy credit?
- Joint accounts for teens
- 5. There’s an introductory 0% APR offer on balance transfers
- How to build your credit before car shopping
- Other ways to save money on a national park pass
- IRAs
- 4. Pick an investment strategy
- How United credit cards can help
- Other tips for paying taxes on credit cards
- What is net investment income tax?
- Next steps:
- 13. Engage with your community
- No-closing-cost mortgages
- Terminal 3: Escape Lounge
- How do I grow my home's equity?
- Consider income-driven repayment instead
- Strategies for keeping your credit utilization low
- Ways to get the best USDA mortgage rates
- Bottom line
- Small-business diversity statistics
- Other ways to cut wire-transfer costs
- 7. Buy a local SIM card to avoid high roaming costs
- How to sell your life insurance policy safely
- I still need to file. What are my options?
- Upside
- Why did First Republic Bank fail?
- How is CPI used?
- What else you need to know
- 5. It can be expensive to carry a balance
- If you want to visit an airport lounge in JFK's Terminal 5
- Work with an agent to get free car insurance quotes
- 5. You'll get other perks via Mastercard
- What is the median household income in the U.S.?
- Before you apply for a credit card
- 6. High-yield checking accounts
- 5. Children may be added as authorized users
- Types of OTC securities
- ETFs vs. mutual funds: Which is best for you?
- Were there any surprises? Would you have done anything differently?
- OpenCart: Best online shopping cart to add to an existing website
- Next Steps:
- What to look for in a balance transfer card
- Pros and cons of commodity ETFs
- Consumer complaints
- Should I pay a car loan with a credit card?
- What is stock market volatility?
- 12. Get a personal loan
- Requirements: Who qualifies for the child tax credit?
- EveryDollar, for simple zero-based budgeting
- Shopify vs. Etsy: Pricing
- How to make your ticket a better value
- What part of my income gets taxed by California?
- Do I have to pay alternative minimum tax?
- Do I have to update my W-4 every year?
- 14. Plan an event
- How to check your credit score
- Which lender is right for me?
- How much should you put down on a house?
- Full list of the best homeowners insurance in Washington
- PayPal
- 3 tips to control central air conditioning installation costs
- Tips for booking travel on Orbitz
- What is hyperinflation?
- Starting a business with a friend: What not to do
- How travel rewards cardholders redeem
- Gift tax limit 2024
- Pros and cons of personal loans
- 5. Use collateral to secure the loan
- June
- How your car loan can help you build better credit
- Visiting the National Parks for free in 2024 recapped
- Days in the cycle
- Next steps
- Ex-dividend dates
- Discounts
- How do you buy 10-year Treasury notes?
- Are credit scores from all major bureaus the same?
- What are your long-term goals for the tiny home?
- How to look up passport numbers recapped
- Who counts as a qualifying child for the earned income credit?
- Consumer experience
- Full list of the best car insurance companies in Pennsylvania
- How do you claim the solar tax credit?
- Can you pay taxes with a credit card? Yes. But should you?
- How to pay lower taxes when selling stocks
- 15. Welcome new neighbors
- 3. Bonds
- Repayment options for federal and private loans in default
- Are after-tax 401(k) contributions right for me?
- Best life insurance company for consumer experience: Northwestern Mutual
- PayPal Cashback Mastercard®
- Conditions
- How to protect against inflation
- 6. Stick to one driver
- 13. Rent out a room
- How to make a Capital One travel insurance claim
- Find the best homeowners insurance in your state
- Bottom line
- Next CPI report
- Full list of the best car insurance in New Jersey
- If this is giving you a headache ...
- See if zero-based budgeting is right for you
- It’s more expensive to rent than ever before
- Debt consolidation options for bad credit
- 3. Volunteer Income Tax Assistance (VITA)
- Learn more about sector ETFs:
- What's included in a home inspection report?
- Cheaper ways to send money
- Could we be in an AI bubble?
- How to get a loan from a credit union
- Tips to get a approved for a personal loan with bad credit
- 8. Join solo female traveler Facebook groups
- How the lifetime gift tax exclusion works
- Why did Silicon Valley Bank fail?
- Am I a resident for California state tax purposes?
- Term life insurance shopping guide
- How to adjust your Form W-4
- 16. Use email
- Seller-paid closing costs
- Consumer complaints
- Do you pay tax on T-notes?
- How has your life changed since moving into your tiny home?
- The bottom line
- What is an online shopping cart?
- Fresh Start benefits available later — after enrolling
- How much are lottery winnings taxed?
- How do you invest in the stock market?
- Additional child tax credit
- Should you pay rent with your credit card?
- United Airlines flight delay compensation, recapped
- Benefits of an IRA
- Choosing between cards? Rewards and perks might make the difference
- 3. SEP IRA
- Is it worth going to a tax preparer?
- Sharing a Prime membership Using Amazon Household
- Other considerations to determine your down payment
- How much does homeowners insurance cost in Washington?
- Standard deduction for dependents
- Small-business industry statistics
- Where to find the best savings accounts
- Can I claim the EITC without a child?
- 6. Find the right lender
- NerdWallet home insurance calculator methodology
- Does the solar tax credit work with other incentives?
- Ibotta
- July
- If you're thinking of flying Turkish Airlines business class
- What's next?
- 5. Understand your investment options
- Are these the best dividend stocks?
- If you're wondering what to do with your mail while on vacation …
- 17. Start a podcast
- Which type of life insurance should I put in a trust?
- Interest-based passive income ideas
- Next Steps
- How can I check my credit reports?
- What advice would you give to someone interested in a tiny home?
- Average money market account rate: 0.67%
- 7. Use your own insurance
- The bottom line
- 14. Moonlight as a dog sitter
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- 5. Lower your living expenses
- The bottom line
- Why you can trust NerdWallet
- Retirement accounts for small-business owners and self-employed individuals
- The complete list of dividend aristocrats
- How did rent get so expensive?
- Terminal 4: Priority Pass dining
- Consumer experience
- Fear of store closures in small towns, despite assurances
- Venmo
- How to finance central air installation
- Finally, enjoy your travels
- Full list of the best homeowners insurance in Ohio
- If you’re interested in Capital One travel insurance
- American Opportunity Tax Credit vs. Lifetime Learning Credit
- 18. Start a blog
- Next Steps
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Best places for black-owned businesses
- Types of online shopping carts
- Credit union vs. online lender
- Where to get a personal loan with bad credit
- How to claim the earned income tax credit
- Other home insurance companies to consider
- 15. Become a rideshare or delivery driver
- If you see errors, dispute them
- When can't you take the standard deduction?
- Best life insurance company for coverage amounts: New York Life
- If you want to use a credit card for United lounges
- 2023-2024 lifetime gift tax exemption
- Empower Personal Dashboard, for tracking wealth and spending
- How much money can you make on YouTube?
- How to earn World of Hyatt points
- How to get cheap car insurance quotes
- What's the difference between a CPA and a tax preparer?
- Is Amazon Prime worth it?
- 19. Host a webinar
- Make an impact with your sustainable investments
- Average cost of homeowners insurance in Washington by city
- 8. Forgo the extras
- 16. Cut your insurance premiums
- How to claim the child tax credit in 2024
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- August
- Why did Signature Bank fail?
- Varo Believe Secured Credit Card
- Companies that offer return-of-premium riders
- What if I see a mistake on my report?
- Should you invest in AI stocks?
- What to do if you win the lottery
- Redeeming Capital One Miles
- Pros of investing in REIT stocks
- Education tax forms
- 20. Find opportunities to share your voice
- How much does homeowners insurance cost in Ohio?
- Dosh
- Final thoughts on the different United economy fare classes
- How much is renters insurance in New York?
- Ways kid creators can earn online
- Walmart2Walmart
- How much is my 2023 standard deduction?
- Small-business outlook statistics
- Types of stock charts and how to read them
- Consequences of an EIC-related error
- Next steps
- How to get a personal loan
- Important considerations when opening a Roth IRA
- What is credit card consolidation?
- Shopify vs. Etsy: Which is right for your business?
- Can you cruise without a passport?
- 21. Serve as an expert media source
- 4. GetYourRefund.org
- Fort Lauderdale airport lounges recapped
- Other renters insurance companies to consider
- What homeowners insurance won't cover
- The cheapest home insurance in Washington
- How does return-of-premium life insurance work?
- The difference between interest rate and APY
- 9. Price out prepaid gas
- Other types of tax preparers
- 17. Consolidate your debt
- After deciding
- Cons of investing in REIT stocks
- If you’re dreaming of Hyatt properties in the Caribbean …
- Compare car insurance rates by driver history
- If you’d like to get a Founderscard membership
- 11 ways to prevent identity theft
- What else do credit bureaus do?
- Next steps
- Recap: How the insurers compare
- How much is the gift tax rate?
- When to expect your child tax credit refund
- Are there drawbacks to investing in the S&P 500?
- Earn an audience, and earn more in the long run
- The drawbacks of PE ratio analysis
- September
- What’s happening with Silvergate Capital Corp.?
- Can I use an Ally personal account for my business?
- 22. Maintain your Yelp page
- Best life insurance company for permanent life insurance: Pacific Life
- Best for those who pack expensive equipment: Travel Insured International
- Is consolidating credit card debt a good idea?
- 4. SIMPLE IRA
- Types of financial planning help
- How to choose an online shopping cart
- Cheapest for 30-year-old drivers
- Bad credit loans to avoid
- 10. Walk or ride
- How to claim lottery winnings
- Average cost of homeowners insurance in Ohio by city
- 18. Refinance your student loans
- Investing in REITs: How to get started
- What happened to Credit Suisse?
- Average cost of renters insurance in New York by city
- 23. Target industry-specific review sites
- What to know about Washington homeowners insurance
- Other potential alternatives
- Can I still get a past year's earned income tax credit?
- W-4 calculator
- 2023 vs. 2024 standard deduction
- What’s the catch with return-of-premium life insurance?
- What are the largest lottery jackpots ever?
- 19. Change your cell phone plan
- Consequences of a child tax credit error
- If you’re considering a Capital One credit card …
- Receipt Hog
- Other ways to make money
- California state tax credits
- 24. Invest in low-cost Facebook advertising
- Who is most likely to rent?
- 4. Money market funds
- Western Union
- Small-business incubator programs
- What is a tax consultant?
- How to avoid gift tax
- PocketGuard, for a simplified budgeting snapshot
- Apparel and shoes
- Trailing vs. forward PE ratio
- October
- FHA vs. conventional loans: Summary
- Types of FHA loans
- Tips for making money as a kid
- How the FDIC calculates national rates
- Price comparisons of all 4 companies
- The cheapest home insurance in Ohio
- Avoid risky loans
- What to know about New York renters insurance
- 25. Sell online
- When to claim the standard deduction
- Don’t expect new defaults for awhile
- Should I use a CPA or tax accountant?
- Are other banks are in trouble?
- What else to know about Form W-4
- 5. Tax Counseling for the Elderly (TCE)
- Best life insurance company for customer satisfaction: State Farm
- Are you ready to start a business with your friend?
- State child tax credits
- What if you're not eligible?
- 26. Try guerrilla marketing
- More about term life insurance
- ROP life insurance pros and cons
- Follow these best practices for a successful house-flipping business
- What to know about Ohio homeowners insurance
- November
- Should I take my money out of the bank?
- 27. Hand out business cards
- Rent vs. income
- 5. Mutual funds
- Best for adventurous travelers: World Nomads
- What is the $500 credit for other dependents (ODC)?
- Rakuten
- Above all, don’t panic
- Alternatives to startup business grants
- How to find additional student loan help
- Alternatives to personal loans for bad credit
- Choose the best Delta credit card offer for you
- Using PE ratio to analyze the entire market
- Best stocks for beginners
- 28. Utilize SEO best practices
- What are tax deductions?
- Zelle:
- Is return-of-premium life insurance worth it?
- Small-business banking statistics post-SVB failure
- More resources
- Child tax credit vs. child and dependent care credit
- Why is financial planning important?
- Grow Credit Mastercard
- Other life insurance options for seniors
- Are we in a recession?
- What are the Roth IRA rules?
- 5. Defined benefit plan
- 29. Target the mailbox
- 6. MilTax
- The bottom line on how to read stock charts
- 6. Index funds
- Best life insurance company for older applicants: AARP
- Honeydue, for budgeting with a partner
- December
- What determines New York renters insurance rates?
- 30. Send out press releases
- Does homeowners insurance cover ... ?
- Frequently asked questions
- Other cash-back apps to consider
- FHA loan limits
- Washington insurance department
- More about buying life insurance as a senior
- More about top-rated life insurance companies
- The bottom line on investing in stocks
- 31. Use bulletin board flyers
- Shopkick
- Are we headed for a depression?
- How to track your California state refund
- Ohio insurance department
- 32. Give out branded merchandise
- Looking for more insurance in Washington?
- What to know about the best ways to send money
- Best for medical coverage: Travelex Insurance Services
- The bottom line
- CoinOut
- What are tax write-offs?
- Types of homeowners insurance policies
- Best term life insurance companies of 2024
- Looking for more insurance in Ohio?
- How to apply for an FHA loan
- 7. Direct File
- More about top-rated life insurance companies
- Swagbucks
- The bottom line on PE ratio
- 33. Create a referral program
- California state sales tax
- Best whole life insurance companies of 2024
- How to make money from home
- Budgeting resources from NerdWallet
- Beauty and personal care
- Where to open a retirement plan if you’re self-employed
- Credit cards do cash back too
- How to save on startup costs
- 7. Exchange-traded funds
- 10 ways identity theft happens
- How do you claim tax deductions?
- Pros and cons of FHA loans
- Best no medical exam life insurance companies of 2024
- Cheapest car insurance by state
- 5 things to know about California state tax
- More small-business data from NerdWallet
- How we picked the apps
- OpenSky® Secured Visa® Credit Card
- How to choose the best life insurance company
- Methodology to identify the best budget apps
- 8. Stocks
- Frequently asked questions
- Best if you have travel credit card coverage: Seven Corners
- Cheapest for 40-year-old drivers
- Pros and cons of starting a vending machine business
- Ways to get the best FHA mortgage rates
- How to get cheap car insurance
- New York Department of Financial Services
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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.
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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.
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