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- 401(k)s and other employer-sponsored retirement plans
- How long will your mortgage loan last?
- Does Hulu allow password sharing?
- Average daily balance
- How lenders view your DTI ratio
- Should you invest in the stock market?
- How to avoid paying bank fees while traveling
- Your credit score could dip slightly
- Majority use apps at least weekly
- Should you pay the outstanding balance?
- 4. Having Icon status comes with plenty of pros ...
- Focus on goals, then the logistics
- 4. Learn your store’s coupon policy
- 5. Visit retailer websites and apps
- Do personal credit scores affect business credit scores?
- How many jobs were added in March?
- When to use a credit card
- 6. Ask for forbearance on bills
- How long you have the loan matters
- How can I lower my FHA mortgage payment?
- Find the best student loan for you
- Reckon with emotions — and perhaps the inability to help
- How to pay off a mortgage early
- You decide: Is Bitcoin a good investment?
- 4. Open the mobile deposit function in your bank app
- Documents required for a personal loan
- Backdoor Roth IRA rules
- Types of municipal bonds
- 2. Legalize your business
- Cons of inbound marketing
- Budgeting for both needs and wants
- Try a simple budgeting plan
- Best car insurance companies: Our winners
- Price vs. yield
- California income tax deadlines and extensions
- 5. High-yield savings account
- Capital One Venture X Rewards Credit Card
- How are dividends paid out?
- How to get medical bills off credit reports
- REITs' average return
- Average interest checking account rate: 0.08%
- Buy now, pay later is overwhelmingly popular again
- 4. There’s no cap on cash back
- Which airports offer U.S. border preclearance?
- Become a Pualani Elite Member
- 2. Different parent may need to fill out FAFSA
- What is the fee for Global Entry?
- State Farm renters insurance coverage
- VA loan borrowing limits
- Ladder customer complaints and satisfaction
- Fetch coverage options
- Research items more before purchasing
- 3. Consider paying points
- Where can I get electric car insurance?
- Business coaching red flags
- FHA loan requirements
- 3. A faster exit
- Other outfit considerations for your next premium class flight
- U.S. Bank Altitude® Go Visa Signature® Card
- Requirements for LIHEAP
- State Farm home insurance coverage
- How does a life insurance trust work?
- How a savings account works: withdrawal limits
- 3. Borrow only what you need
- Ways to get good value
- Personal loans from credit unions
- Get to know your credit card account
- Strategy No. 4: Shop for title and settlement services
- Where to exchange currency outside the U.S.
- Who can open a joint business account
- How mortgage rates can vary by credit score
- Types of state income tax
- 4. You’re a victim of identity theft
- How to unfreeze your credit
- What to expect the stock market to return
- What do U.S. passport status updates mean?
- Carefully review your options
- Country Financial home insurance coverage
- Age is only the beginning
- Where to rent an RV
- Is per-card or overall utilization more important?
- Citi Flex Pay
- How does Hulu fit into your budget?
- 4. Work on your credit
- What can I use a home equity loan for?
- 3. Prime members earn lucrative rewards
- What to know if you take online surveys
- What is a FICO score used for?
- Savings account simple interest vs. compound interest
- Borrow for the right reasons
- FDIC insurance: What’s covered
- Factors that affect the cost of car insurance
- 7. Request a payroll advance
- 6 ways to set financial boundaries
- How to make a deposit
- Go beyond the background check
- How do I receive money with Venmo?
- The Hanover home insurance coverage
- Strategies for after-tax 401(k) contributions
- What the seller gets out of it
- What a good credit score can get you
- 4. Do you have your own credit card?
- Closing costs calculator
- 3. Enjoy priority hotel check-in
- Money market accounts
- How to calculate your liquid net worth
- Financial stress may be related to uncertainty
- 1. High-yield savings accounts
- 3. Longer coach flights within Europe
- How much does employer’s liability insurance cost?
- Is minimum coverage cheaper for a used car?
- 4. Find the right car for you
- Glossary of overdraft terms
- How to apply for mortgage down payment assistance
- Goodbudget, for hands-on envelope budgeting
- 4. Peer-to-peer lending
- Episode transcript
- Major airlines with free texting through messaging apps
- Actual cash value vs. replacement cost coverage
- Share your miles
- No guarantee that savings will be passed on
- Other Frontier fees
- Freezing your Experian credit report via postal mail
- How Ladder compares to other insurers
- Is Amtrak safe at night?
- When are state taxes due in 2024?
- Mobile payment app users keep hundreds in their app accounts
- Does Max cost the same as HBO Max did?
- Your tax rates now vs. later
- Gift tax limit 2024
- 5. ... But keep an eye on fees and APR
- What’s next?
- 6. Check the Sunday newspaper
- How much are American Express Membership Rewards points worth?
- Explore other ways to make money
- Are the paid My Best Buy memberships worth it?
- What are the advantages of a 10-year ARM?
- Best life insurance company overall: MassMutual
- Alternatives to a cash-out refinance
- Exceptions to state minimum car insurance requirements
- If you loan money, communicate the terms
- Blue Cash Preferred® Card from American Express
- 5. Take clear pictures of the check with your mobile device
- Keep an eye on everything else
- Inbound marketing tips
- Making money with Wag
- How to apply for a Kikoff line of credit
- Should you pay student loans during graduate school?
- Which card should you get?
- Using the mortgage points calculator
- For the pet parent: Petco Pay credit card
- 4. Resist dipping into your other savings
- What doesn’t impact your life insurance premium
- How do you sign up for a Sam’s Club membership?
- 3. They're made of heavy metal
- 5 ways to limit impulse buying
- 3. With a vacation package
- HELOC rates will rise
- How to lower your VA mortgage payment
- How to get a home equity loan
- Budget for extra fees
- Kirkland’s
- 3. Tap an expert for assistance
- Give each other flexibility
- 3. Other investment options
- Fourth of July: Big bucks for burgers and beer
- What is the current unemployment rate?
- Guaranteed approval credit cards
- Qualifying for a Single Family Housing Direct Home Loan
- 4. Both armrests (in theory)
- How much can you send with Venmo?
- An alternative to chasing the best stocks
- 4. Make payments during school to save on interest
- Note the time of the transaction, gather evidence
- Upgrade your cyber hygiene
- If you're considering The Platinum Card® from American Express
- 3. Enroll in autopay
- What happens next?
- Who pays the closing costs?
- How loan term affects your monthly car payment
- What do I need to fill out Form 1040?
- Choosing your business structure: What to consider
- Next steps to determine how much financial aid you can get
- 5. Someone else used your credit card account
- Frugal DIY project tips
- What does a Medicare Cost plan cover?
- 6. Investing for teens
- 5. File taxes without a W-2
- 6 types of dividends
- April
- APR vs. APY: What’s the difference?
- Saving for retirement as a nontraditional worker
- Types of REITs
- Factors to consider before paying rent with a credit card
- Your 401(k) plan allows after-tax contributions
- Credit cards young adults could apply for
- What is a good beta for a stock?
- Pros and cons of U.S. preclearance
- 4. Leverage memberships
- Shop with your card to earn miles
- How to get Global Entry through travel cards
- Why the Roth IRA works for many savers
- What state has the highest gas prices?
- More about Ladder
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Eligible child and dependent care expenses
- Reconsidering the Apple Card for everyday spending
- Factor in other costs
- 3. Apple Pay Later
- How do you find out how much equity is in your home?
- 5. Make a shopping list and use apps for more savings
- How much interest will I earn on $10,000?
- Amenities and other perks
- What is a good business credit score?
- When networks pay
- Issuer restrictions
- 8. Take a loan from your retirement account
- Ways to get good value
- 4. Use grants if you qualify
- Best car insurance in Massachusetts for having few customer complaints: Mapfre
- How the S&P 500 is doing today
- Add your friend as an authorized user
- 4. Snag a modest sign-up bonus
- Mastercard has an edge, but it’s complicated
- Prepare to abandon ship
- Do I have to pay California state tax?
- Only 28% of Americans have an estate plan
- How to apply for a joint business bank account
- Life insurance tips for smokers
- How much does a home inspection cost?
- How do I apply for Stafford student loans?
- Why you might pass on the Capital One® Walmart Rewards™ Mastercard®
- Buying a used car without insurance
- For Medicaid beneficiaries
- How many banks have collapsed?
- How to get overdraft fees waived
- CD vs. high-yield savings account: At a glance
- Best car insurance in New Jersey for customer satisfaction: NJM
- How long does passport processing take?
- 5. Don’t expect a sign-up bonus or introductory APR
- 3. IRS imports tax information
- Does your DTI affect your credit score?
- Home equity loan rates in 2023
- Restrictions and waiting periods
- 4. You’ll get a small introductory bonus
- How can you avoid cryptocurrency scams?
- 4. Take advantage of first-time home buyer programs
- Establish credit before you're desperate
- FDIC insurance: What’s not covered
- Is unemployment rising or falling?
- How to transfer a parent PLUS loan to the student
- What does a construction loan cover?
- Colonial Penn customer complaints and satisfaction
- 5 steps to applying for a mortgage
- 5. How are you paying off credit card debt?
- Portfolio management: Things to keep in mind
- Questions to ask before applying for a personal loan
- Should you consider municipal bonds?
- 3. Separate your business and personal finances
- About USAA's travel insurance benefits
- What does this mean for your financial decisions?
- How can I access these lounges?
- How to invest in dividend stocks
- Other ways to keep miles from expiring
- What umbrella insurance doesn’t cover
- Best homeowners insurance in California for consumer experience: Nationwide
- United Club℠ Infinite Card and United MileagePlus Presidential Plus card
- Other Kikoff credit-building tools
- Average cost of term life insurance by age
- Smart use is the key
- After consolidation
- You can get a credit card while unemployed, but is it a good idea?
- 49.2M turn to mobile cash advance apps in the past year
- 4. Some of the perks are fancy
- How are HELOC payments calculated?
- Buying bundles: the Works and the Perks
- ‘Not knowing what I’m doing wrong’
- Tax implications are unlikely
- Does HBO Max allow password sharing?
- Credit card stacking pros and cons
- Gift tax limit 2023
- Beware of these warning signs
- 6. Pick up weekly ads at the store
- What about the thieves?
- 9. Borrow against life insurance
- Using the Loan Estimate to compare mortgage offers
- 5. A possible row to yourself
- 2. Free tax software
- Cash-out refinance costs
- Optional coverages
- Explore other ways to help
- Is Venmo secure?
- Negotiating a buydown
- 5. Choose the right repayment plan before you graduate
- Flag fraud attempts
- How to choose a rent-reporting service
- Who might prefer the Platinum
- Certificates of deposit, or CDs
- Where to avoid exchanging currency
- Why is the 10-year Treasury yield important?
- What's my risk tolerance?
- 6. You co-signed a loan or credit card application
- 4. Premium cabin redemptions on global partners
- How to purchase a policy
- Embrace: Best pet insurance for many ways to save
- Insuring a classic or specialty car
- 5. Contact the seller or visit a dealership
- Fees
- How long do medical bill collections stay on your credit reports?
- 5. Get help with saving for a down payment
- Food and drink
- How to build your credit
- Your 401(k) lets you move your after-tax money
- RVshare: the biggest (and usually best) peer-to-peer RV rental company of them all
- 3. EarnIn: Best for large advances
- Is a Sam’s Club membership worth it?
- 5. Online savings accounts
- Getting information about an Experian credit freeze by phone
- 5. Skip comprehensive and collision coverage for an older car
- VA loan pros and cons
- Additional functionality
- Is there security at train stations?
- Step 3: Choose your lender and loan
- Some Americans opt out due to lack of need, lack of trust
- Consider selling or regifting instead
- Top factors to consider
- Is United’s basic economy worth it?
- How to change a United flight
- 6. Use coupons strategically
- Get more help with monthly budget planning
- You don’t have good enough credit after all
- How much car insurance you need
- Types of life insurance trusts
- Where Colonial Penn stands out
- How much to keep in your savings account
- What affects your credit score?
- 6. Confirm the check details and complete the deposit
- Credit requirements for refinancing an auto loan
- How to invest in AI stocks
- 3. If you already paid the debt: Ask for a goodwill deletion
- 6. Request more time to file
- How to open a savings account or CD
- Hotels on points in Orlando
- Dividend tax rate 2023
- For the human parent: The Children’s Place credit card
- Do you need bodily injury liability coverage?
- Discounts
- How does credit utilization affect my credit score?
- Limitations of beta analysis
- 4. Delay impacts some state financial aid forms
- Interest rate
- Airline loyalty programs
- How to understand DTI ratio
- State Farm renters insurance rates
- Are home equity loans a good idea?
- What are the other 2024 tax deadlines to know?
- Fetch pet insurance rates
- 4. Refer a friend to a Southwest credit card
- 8. Look at the product packaging
- How to calculate the unemployment rate
- How to find the right coach — maybe for free
- How personal loans and credit cards are similar
- How to get parent PLUS loan forgiveness
- 10. Use a credit card cash advance
- How do construction loans work?
- Capital One SavorOne Cash Rewards Credit Card
- How has the Marriott points value changed over time?
- 5. Avoid foreign transaction fees
- Personal loans from banks
- 4. Find startup funding
- Estimating your car payment
- Download Form 1040
- Maximize your rewards
- Customer experience
- Skip currency exchange: Use a credit or debit card
- Final thoughts on expiring Alaska miles
- Mortgages where credit score matters less
- 7. Roth IRA
- May
- Roth IRA vs. traditional IRA
- What's next?
- 5 types of employer-sponsored retirement plans
- What state has the lowest gas prices?
- 5. Financing options are available, but proceed with caution
- How to fit HBO Max into your budget
- Look for savings
- How the lifetime gift tax exclusion works
- What’s different with debit card fraud?
- How to check that all money in your accounts is insured
- Other options to consider
- Best life insurance company for applicants with HIV: Guardian
- 5. Get a work-study job
- What to expect at Universal's Endless Summer Resort — Dockside Inn and Suites
- Where Colonial Penn falls short
- Managing expectations
- Storing your Bitcoins: Hot wallets vs. cold wallets
- Responding quickly is crucial
- Best Massachusetts auto insurance for ease of use: Farmers and Progressive
- The water’s fine, but wade in slowly
- 7. Keep the check until it's processed
- 4. Make biweekly payments
- Is a backdoor Roth IRA worth it?
- What not to do
- What is California's standard deduction?
- How to map your — and your parents’ — financial future
- 7. You applied for a lot of credit
- What happens during a home inspection?
- Frugal home expenses tips
- Am I eligible for a Medicare Cost plan?
- Kikoff vs. Self
- How compound interest works
- Under income-driven repayment plans
- Average certificate of deposit rate: 1.81% for one-year CDs
- LLC payroll taxes
- 5. Overall, the cards are so-so
- Types of mortgage loans
- How to apply online for Global Entry
- How credit card rewards look in other countries
- First-time home buyer programs near California
- What kind of investment is Bitcoin?
- 4 ways to start investing
- 6. Raise your deductible
- Amtrak safety, recapped
- Ways to get the best home equity loan rates
- 5. Shop around with multiple lenders
- Roth 401(k) withdrawal rules
- Why is home equity important?
- What are fleet cards?
- 11. Look for a payday alternative loan
- Buying a call option vs. owning the stock
- Does Venmo offer a debit or credit card?
- LIHEAP alternatives
- State Farm home insurance rates
- Pros and cons of investing in gold stocks
- Does paying rent build credit?
- Which card should you get?
- Are 10-year Treasury notes a good investment?
- 2. Certificates of deposit
- Who needs umbrella insurance?
- Credit union personal loan rates
- How to freeze your child’s credit
- Best car insurance in New Jersey for ease of use: State Farm
- How to keep medical bills from hurting your credit
- If you haven’t received your passport
- Turo car insurance for guests
- Personal loans are a funding source for one-quarter of Americans
- Shipping alcohol
- 5. Opt for economy cars
- 4. Using the United MileagePlus X app
- Benefits of a larger down payment
- Getting your Frontier baggage and other fees waived
- Once you request your Experian credit freeze
- Discounts
- Who counts as a qualified care provider?
- What to do if you have been scammed
- Alternatives to credit card stacking
- Buying a put option vs. short selling
- The most popular surveys for cash apps
- 5. Direct spending toward Southwest credit card bonus categories
- 7. Buy in bulk
- 9. Browse store aisles
- FICO vs. VantageScore
- 4. Whether it's time for a financial advisor
- What is the labor force participation rate?
- Taxes for rollover IRAs: 2 rules to know
- Alternatives to savings accounts
- How buydowns differ from ARMs
- How to get a good credit score
- Other Roth IRA rules
- How did we determine the value of Marriott Bonvoy points?
- 3. Get disability and life insurance
- Strategy No. 5: Ask the seller to contribute
- Full list of best homeowners insurance in California
- 8. Special needs trust
- More from tax filing resources:
- 6. Inspect and test-drive the car, if applicable
- Dividend tax rate 2024
- Average cost of whole life insurance by age
- You’ve got money left over for savings
- Bottom line
- Strategies for keeping your credit utilization low
- IRAs
- 5. Student Aid Index (SAI) replaces EFC
- Find the best HELOC lender for you
- Ways to lower your DTI ratio
- Consumer takeaways
- 4. Klarna
- Errors
- What happens when a bank fails
- Ways to get the best USDA mortgage rates
- 6. Work for an employer that pays for college
- Citi Custom Cash® Card
- If you fly first class on Singapore Airlines
- 5. Find suppliers and create your jewelry
- Similar to savings accounts
- Which Form 1040 schedules should I use?
- What part of my income gets taxed by California?
- How to find AI ETFs
- 2023 state income tax rates and brackets
- Frequently asked questions
- Why did First Republic Bank fail?
- Tips to find cheap flights any day of the week
- Visa Infinite credit cards (including the U.S. Bank Altitude™ Reserve Visa Infinite® Card and the Chase Sapphire Reserve®)
- Ready to get started?
- Examples of other Comenity/Bread-issued store cards
- Consumer complaints
- 6. High-yield checking accounts
- What to expect: Delta Comfort Plus
- National first-time home buyer programs
- 7. Consider usage-based or pay-per-mile insurance
- How do I grow my home's equity?
- What to do if you’re denied SSDI benefits
- Chase Freedom Flex℠
- Step 4: Gather loan documents
- 6. Consider alternative types of mortgages
- What else you need to know
- Home equity takes time to build
- If you're considering booking Delta Air Lines premium economy
- How do fleet cards work?
- Set and stick to a repayment plan
- Why some cars cost more to insure
- 12. Get a personal loan
- Want cheaper insurance? Avoid these vehicles
- Final thoughts on Cathay Pacific economy
- More about Colonial Penn
- 5. Pay off capitalized interest
- Tips to qualify for a personal loan
- Why liquid assets are important
- Strategy No. 6: Consider a 'no-closing costs' mortgage
- The bottom line
- Take risk seriously
- 8. You closed an old credit card
- 4. Check your credit reports after 30 days to make sure the change was made
- How do I enroll in a Medicare Cost plan?
- EveryDollar, for simple zero-based budgeting
- 4. Varo: Best for existing bank customers
- The bottom line on beta
- Compare alternatives
- Making the call
- What's next?
- How much should you put down on a house?
- More calculators to help you shop for mortgages
- How much can you borrow with a home equity loan?
- 10. Check your receipts
- How do I get a FICO score?
- Emirates Economy vs Emirates Premium Economy: which is a better value?
- What stocks should I buy right now?
- Final thoughts on redeeming American Airlines miles
- How do you buy 10-year Treasury notes?
- How much umbrella insurance do you need?
- For the uninsured
- Five steps to opening an investment account for your kid
- How to report dividend income on your taxes
- June
- Is APY variable?
- Is a Comenity/Bread credit card right for you?
- Consumer experience
- What’s next?
- Time horizon: One way to choose your money source
- Major airlines where sending text messages costs money
- 6. Pell Grant award expands
- Days in the cycle
- If you want to buy Disney tickets for cheap
- Fees across U.S. airlines
- You can prioritize other financial goals
- Discounts
- 2024 lifetime gift tax exemption
- Alternatives to canceling your life insurance
- 6. Transfer points from Chase Ultimate Rewards®
- 8. Start small
- You don’t need to have $10,000 to take advantage of compound interest
- Where can you get the best loan?
- Next steps
- 6. Sell your jewelry
- Why Visa and Mastercard rates are different
- Strategy No. 7: Sign loan papers near the end of the month
- How to build your credit score
- 3. Bonds
- 5. Booking early when your plans might change
- How much does homeowners insurance cost in California?
- Other travel discounts
- When should you freeze your credit?
- Amenities
- When did all of the tech layoffs start?
- Taking a sip down memory lane
- 6. Stick to one driver
- How are gas prices determined?
- Consumer complaints
- Additional child and dependent care credit requirements
- How to report scammers
- Disadvantages of franchising for the franchisee
- It’s just business
- How borrowing affects your credit score
- 13. Rent out a room
- Best life insurance company for consumer experience: Northwestern Mutual
- How to get a construction loan
- Citi Double Cash® Card
- Are after-tax 401(k) contributions right for me?
- Full list of the best auto insurance companies in Massachusetts
- Have your friend hold their own The Platinum Card® from American Express
- Am I a resident for California state tax purposes?
- Reconsideration for PSLF applications
- What's included in a home inspection report?
- How to get a loan from a credit union
- 7. Determine which warranties are right for you
- Basic economy
- Full list of the best car insurance in New Jersey
- How to track your passport status, recapped
- How much bodily injury liability coverage do you need?
- Bottom line
- LLC self-employment taxes
- Calculating capital gains tax on a home sale
- The bottom line
- When will I get my refund?
- Final thoughts on changing your United flight
- 11. Use social media
- How is the job market right now?
- 3. Volunteer Income Tax Assistance (VITA)
- So is there a first class dress code?
- How to buy gold stocks
- 6. Stick to the standard repayment plan
- Best Android personal expense tracker apps
- Closing costs for the buyer
- How to manage your own portfolio
- How to apply for a personal loan
- Summary of pros and cons of personal loan lenders
- Required documents for auto loan refinancing
- Plan and budget
- Strategy No. 8: Ask your bank about discounts and rebates
- Exchange frequently? Consider a multicurrency account
- Do you pay tax on T-notes?
- 9. You paid off a loan
- Why did Silicon Valley Bank fail?
- How to control your dividend tax bill
- How do I file a claim?
- Bitcoin and volatility
- 8. Check insurance costs when buying a car
- Consumer experience
- Home equity loan requirements
- Cons
- How to earn more interest in a savings account
- 7. Take out federal loans if you have to
- Next steps:
- How buydowns differ from discount points
- Questions about how much to tip
- How to improve your liquid net worth
- Average cost of homeowners insurance in California by city
- How to evaluate dividends
- Sharing a Prime membership Using Amazon Household
- The bottom line
- Other considerations to determine your down payment
- State availability
- Which hotel offers travelers the most valuable hotel loyalty points?
- 5. PayPal
- Is it worth going to a tax preparer?
- Why do I need a business credit score?
- Shop around and read the fine print
- What does the Job Openings and Labor Turnover Summary report show?
- How to save on car insurance
- Consumer complaints
- Where to find the best savings accounts
- Should you apply for a personal loan online or in person?
- How to choose a lender
- You can negotiate closing costs
- What is the average and median retirement savings?
- Next Steps
- Could we be in an AI bubble?
- Cons of a credit freeze
- July
- Cost of life insurance without a medical exam
- The bottom line
- Should you pay rent with your credit card?
- Average money market account rate: 0.66%
- 7. Use your own insurance
- What's next?
- Who pays the gift tax?
- 14. Moonlight as a dog sitter
- Depreciation examples
- Which type of life insurance should I put in a trust?
- Other ways to invest in racial justice
- Bottom line
- Interest-based passive income ideas
- Are these the best dividend stocks?
- What does having a lower score mean?
- Why you can trust NerdWallet
- What if the card’s benefits aren’t enough?
- LLC sales taxes
- 5. Dave: Best for repayment flexibility
- Retirement accounts for small-business owners and self-employed individuals
- 7. Application available in more languages
- Discover it® Cash Back
- Step 5: Submit your application and get funded
- Personal loans vs. credit cards for debt consolidation
- Selling a call option
- Visiting Universal’s Dockside or Surfside resorts
- Consumer experience
- 7. Use 'found' money
- What happens if I’m denied?
- 7. Establish your brand and start marketing
- Rover vs. Wag: Which dog-walking app should I choose?
- The best place to exchange currency at the end of your trip
- 2024 state income tax rates and brackets
- Best uses of SkyMiles recapped
- How much does umbrella insurance cost?
- Credit union vs. online lender
- 8. Negotiate the best price
- Loyalty program
- Other home insurance companies to consider
- Major airlines where you won’t be able to text or use the internet
- Extra fees
- Tax Day resources
- Are home equity loans a good idea?
- Do you pay taxes when you receive a gift?
- How do I get my business credit score?
- Fleet fuel cards: benefits and drawbacks
- 15. Become a rideshare or delivery driver
- Can you contribute to a rollover IRA?
- Capital One Venture Rewards Credit Card
- If you don’t meet auto loan refinancing requirements
- The cheapest home insurance in California
- Figuring out how much you need to save
- Types of gas
- Consumer experience
- Resources for LGBTQ+ businesses
- Best life insurance company for coverage amounts: New York Life
- Chase Freedom Flex℠
- A welcome return to normality
- Portfolio management vs. wealth management
- What’s not covered by USAA travel insurance
- How to get umbrella insurance
- Credit freeze or credit lock?
- Empower Personal Dashboard, for tracking wealth and spending
- Is Amazon Prime worth it?
- How much money can you make on YouTube?
- Home shopping tips
- 8. Forgo the extras
- Will you owe capital gains taxes on your home sale?
- 8. Fewer questions
- Is Global Entry worth it?
- How to claim the child and dependent tax credit
- What's the difference between a CPA and a tax preparer?
- 16. Cut your insurance premiums
- How to maximize value in Emirates economy class
- Other types of 1040 tax forms
- Currency exchange: Frequently asked questions
- Figo: Best pet insurance for cats
- Why did Signature Bank fail?
- World Elite Mastercards
- August
- State Farm vs. competitors
- Is the gift tax deductible?
- FDIC insurance limits and ownership categories
- Understanding depreciation in business and accounting
- 8. Borrow private loans as a last resort
- What is the highest credit score, and how many people have it?
- 3. Make the most of your savings
- Other ways to build credit
- LLC tax forms and deadlines
- It’s okay to skip hotel loyalty programs, too
- How to use Chase points for flights smartly
- 6. Sezzle
- Cards that earn American Express Membership Rewards points
- Is the $195 annual fee to add an authorized user worth it?
- The bottom line
- Card rates are on par with market rates
- The bottom line
- Who can access your frozen credit reports?
- 9. Maximize trade-in value, if applicable
- Average cost of life insurance by term length
- Pros of investing in REIT stocks
- 6. MoneyLion: Best for existing customers
- How to get free Wi-Fi while flying
- How to avoid capital gains tax on home sales
- 9. You can list more colleges
- Important considerations when opening a Roth IRA
- Final thoughts on the different United economy fare classes
- How much is the gift tax rate?
- 7. Rent cars with Southwest car rental partners
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- 9. Price out prepaid gas
- 17. Consolidate your debt
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- Next steps
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- After deciding
- PayPal Cashback Mastercard®
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- 4. GetYourRefund.org
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- 10. Walk or ride
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- Choose the best hotel loyalty program for you
- 8. Visit restaurants through Rapid Rewards Dining
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- 9. Earn Southwest points while eating and drinking
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- Consumer experience
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- October
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- How the FDIC calculates national rates
- How taxes on real estate, rental, and investment sales work
- Advantages of franchising for the franchisor
- Avoid risky loans
- Types of FHA loans
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- How does credit card consolidation work?
- Next steps
- How to access the Centurion Lounge at LAX
- How we review pet insurance
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- Learn from and work with Black financial professionals
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- Is holding two separate cards worth the combined $1,390 in fees?
- What to know before shopping for car insurance quotes.
- Reconsideration for rejected PSLF applications
- Practical matters
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- If you’re considering an upgrade from Delta Comfort Plus to Premium Select
- The bottom line
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- 5. Tax Counseling for the Elderly (TCE)
- 5. Mutual funds
- California Department of Insurance
- Should I take my money out of the bank?
- What are tax deductions?
- The bottom line
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- The pros and cons of cruises, recapped
- Is consolidating credit card debt a good idea?
- The bottom line
- How does the Israel-Hamas war affect gas prices?
- Compare buy now, pay later apps
- Hilton Honors American Express Card
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- Strive for understanding
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- The bottom line
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- 11. Spend money with Southwest's other retail partners
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- 13. Book packages with Southwest Vacations
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- Learn more about personal finance
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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