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- May
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- Things to consider before buying a policy
- What is the stock market doing today?
- What tax breaks do you lose under the AMT?
- More about Aflac
- Moving forward
- 5. Financing options are available, but proceed with caution
- Is OASDI tax the same thing as Social Security tax?
- What affects the cost to rent an RV for a week
- Making minor renovations? Consider CHOICEReno eXPress
- 11. Look for a payday alternative loan
- Frugal home expenses tips
- Dividend aristocrats ETFs
- What are fleet cards?
- Types of mortgage loans
- What are the tax rules for a Roth IRA?
- Average certificate of deposit rate: 1.81% for one-year CDs
- What is California's standard deduction?
- Best for emergency medical coverage: Allianz Global Assistance
- Travel is back — it just looks different
- What to expect when you open your new account
- Double-entry accounting software
- When a HELOC is a bad idea
- Hotels on points in Cabo San Lucas
- Credit union vs. bank: Frequently asked questions
- Term of the month: The Buffett indicator
- LLC payroll taxes
- 5. Your interest rate can be costly for non-brand purchases
- Keep it simple
- Roth 401(k) withdrawal rules
- Does paying rent build credit?
- Load funds and mutual fund share classes
- Best Georgia car insurance for ease of use: State Farm
- DIY smoke removal
- Impact investing examples
- 5. Overall, the cards are so-so
- How much life insurance should I buy?
- Watch out for scams
- 8. Help other business owners set up online stores
- How compound interest works
- Does the IRS charge interest on payment plans?
- Am I eligible for a Medicare Cost plan?
- What is Georgia's standard deduction?
- Learn more
- Are 10-year Treasury notes a good investment?
- What does a condo insurance rate include?
- How to change or cancel an EIN
- 3 ways to avoid inheritance tax
- 5. Tax on the sale of a house
- If you want to find cheap flights to Disneyland
- Credit union personal loan rates
- Cheapest car insurance companies after a speeding ticket in California
- AAA renters insurance coverage
- Alternatives to savings accounts
- 4. Get preapproved for a home loan
- Cashier’s check vs. certified check vs. money order
- Do I have to pay New York state income tax?
- Minimum wage increases
- 2. Certificates of deposit
- How to find the 2024 W-4
- Students and parents: Here’s what you can do
- Save money on PMI
- Shipping alcohol
- 3. Get disability and life insurance
- How to file a claim with Alaska travel insurance
- How to freeze your child’s credit
- The most popular surveys for cash apps
- What is your modified adjusted gross income (MAGI)?
- How do I deal with lottery taxes?
- When to expect your child tax credit refund
- 3. Understand how your taxes are determined
- How can you make more money with DoorDash?
- Doing the math on HDHPs
- Who counts as a qualified care provider?
- Ready, set, save
- What you’ll pay for Medigap
- Benefits of a larger down payment
- When debt consolidation isn't worth it
- Step 2: Register your business
- How to find cheap United flights to Mexico
- 6. Choice Hotels
- What is the labor force participation rate?
- Open a travel rewards card
- Joint accounts for teens
- Best car insurance in New York for ease of use: State Farm
- Should you use a credit card for gambling?
- More about New York Life
- Can I get my Social Security tax back if I’ve overpaid it?
- What states have banned birth control?
- Not everyone is ready to start making payments again
- Which card is right for you?
- Other ways to invest in Bitcoin
- What do home appraisers look for?
- How to get American Airlines Main Cabin Extra Seats for free
- Discounts
- You’ve got money left over for savings
- SBA 504 loan: Best for financing fixed business assets
- Which card should you get?
- Why you’d get both
- Brokerage accounts are taxable accounts
- Credit card spending still has many positives
- 4. Pick an investment strategy
- Consumer complaints
- How to choose between Travelpro vs. Samsonite luggage
- Next steps
- Making the most of auto incentives
- 8. Special needs trust
- Consider income-driven repayment instead
- Switching is no longer an option for most
- Brand New Day Medicare Advantage plan types
- Best North Carolina car insurance for ease of use: State Farm
- Citi Custom Cash® Card
- Credit cards help build credit
- 6. Reallocate your portfolio
- If you fly first class on Singapore Airlines
- No-closing-cost mortgages
- 4. Seek help through debt relief
- Wells Fargo routing numbers
- Restrictions and waiting periods
- More reading about ETFs
- Ways to get the best USDA mortgage rates
- 6. Work for an employer that pays for college
- Dividend tax rate 2024
- 4. Klarna
- 6. Inspect and test-drive the car, if applicable
- Full list of the best homeowners insurance in Connecticut
- How do I grow my home's equity?
- 12. Get a personal loan
- The 50/30/20 budget calculator
- How do fleet cards work?
- If you're considering booking Delta Air Lines premium economy
- Why did First Republic Bank fail?
- How to file a claim with Chase rental car insurance
- 6. High-yield checking accounts
- What part of my income gets taxed by California?
- What is the median household income in the U.S.?
- Earning Miles&Go miles with partners
- Considerations to make before booking a cheap cruise
- Tips to find cheap flights any day of the week
- What else you need to know
- 2023 state income tax rates and brackets
- 7. Get help with living expenses
- HELOC tips for retirees
- What factors impact your credit scores?
- Should I pay a car loan with a credit card?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- 5. Payments are reported to major credit bureaus
- Wells Fargo vs. Bank of America: Banking experience
- How to find AI ETFs
- Latest news about overdraft fees
- Why some cars cost more to insure
- What do the approvals mean for Bitcoin?
- Hotels on points in Seattle
- What if CDs aren’t right for me?
- What is stock market volatility?
- Buy Medicare Supplement Plan F during Medigap open enrollment
- How to compare home insurance quotes
- How much to rent an RV for one week
- Step 4: Gather loan documents
- How to check your credit score
- Saving on late fees
- EveryDollar, for simple zero-based budgeting
- 5. Submit your application
- Things to consider
- Opening new accounts
- PayPal
- Close your old account, if needed
- Other stock market changes: Dips, corrections and crashes
- Other low-down-payment mortgage options
- Can (or should) I consolidate my FFELP loan?
- How do you buy Vanguard Index fund shares?
- How are gas prices determined?
- Shopify vs. Etsy: Pricing
- Travel perks
- Consumer experience
- Maximum and average DTI ratios by mortgage type
- Delta Comfort Plus
- What you can do if you have credit card debt
- HELOC requirements
- How much should you put down on a house?
- How can you take the guesswork out of tipping?
- How to transfer Chase Ultimate Rewards® points to Avios
- 4. Conditions
- 7. Hyatt
- Emirates Economy vs Emirates Premium Economy: which is a better value?
- Other types of IRAs
- Don’t pay for advance seat selection
- Preparer tax identification number (PTIN)
- Do I have to pay alternative minimum tax?
- 9. Develop a Shopify app or theme
- 4. Varo: Best for existing bank customers
- How to calculate your monthly payment
- How do I enroll in a Medicare Cost plan?
- ESG investing examples
- Use a co-signer
- How do you buy 10-year Treasury notes?
- 4. Use budgeting or expense-tracking apps
- Some helpful links from the IRS
- Ex-dividend dates
- For the uninsured
- Reasons to get a mortgage instead of buying with cash
- 2024 lifetime gift tax exemption
- Warehouse club cards
- Do I have to update my W-4 every year?
- You don’t need to have $10,000 to take advantage of compound interest
- If you're considering World of Hyatt Credit Card
- Watch your credit during recovery
- June
- Avianca checked bag policy
- Is Alaska travel insurance worth it?
- 2024 child tax credit news update
- 3 investing myths
- Global Entry/TSA PreCheck application fee credit
- Five steps to opening an investment account for your kid
- Next steps
- How to pay off a car loan early
- Full list of the best car insurance companies in Georgia
- How to connect to Air France Wi-Fi
- Is the 35K certificate impossible to use now?
- How to report dividend income on your taxes
- Is APY variable?
- Metro spotlight: Cincinnati, Cleveland and Columbus
- What's the tax filing deadline for my Georgia state income tax bill?
- 13. Rent out a room
- How to reduce your condo insurance cost
- How can I avoid cashier's check fraud?
- What is New York state's standard deduction?
- 3. Bonds
- How to minimize the tax impact of a bonus
- 4. Get help managing your money
- Taking a sip down memory lane
- Consider a Discount Den membership instead
- When should you freeze your credit?
- The long strangle
- The bottom line
- Full list of the best auto insurance companies in Massachusetts
- Additional child and dependent care credit requirements
- Repayment options for federal and private loans in default
- Honolulu Priority Pass lounges
- When not to use a credit card
- Pumpkin pet insurance rates
- FAQs
- I want a CD, but what if CD rates change soon?
- What are the fees for an IRS payment plan?
- How much does homeowners insurance cost in Connecticut?
- Best Android personal expense tracker apps
- Calculating capital gains tax on a home sale
- How to get a loan from a credit union
- Cheapest final expense companies for 2024
- Home inspection vs. appraisal
- Am I a resident for California state tax purposes?
- Consumer complaints
- What if I already have elite status with a brand?
- Bottom line
- Where to buy identity theft insurance
- How to find a Realtist
- Wells Fargo vs. Bank of America: Overdraft fees
- LLC self-employment taxes
- Tips for navigating Disney World while pregnant
- Smart strategies usually involve some delay
- How to get a home equity line of credit
- How to complain about MOHELA
- Brand New Day Medicare Advantage service area
- Full list of the best car insurance companies in North Carolina
- Online bank and credit union routing numbers
- How is the job market right now?
- Set up lounge access
- Medicare Part A eligibility
- How much do life insurance policies cost?
- MoneyGram
- Electronics
- Full list of the best car insurance in NY
- 7. Determine which warranties are right for you
- If this is giving you a headache ...
- 10. Become a Shopify Affiliate
- Types of ESG investments
- Do you pay tax on T-notes?
- Clearing room to charge more
- Why did Silicon Valley Bank fail?
- Exchange frequently? Consider a multicurrency account
- 4. Compare providers
- How to earn more interest in a savings account
- American Express® Gold Card
- Navient aims to transfer FFELP loans to MOHELA
- Which card should you get?
- Airline loyalty programs
- Private and community farm grants
- First checked bag free
- Seller-paid closing costs
- When will I get my refund?
- 8. Wyndham
- 7. Take out federal loans if you have to
- How to control your dividend tax bill
- How do you invest in the stock market?
- Basic economy
- Become an authorized user
- 5. Explore other expense-tracking methods
- Where to find the best savings accounts
- Recap: How to get a cashier's check
- How to switch plans and keep your number
- How to adjust your Form W-4
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How to evaluate dividends
- United Airlines flight delay compensation recapped
- Brokerage accounts vs. IRA
- What to do with the Bitcoin you buy
- If you’re considering the American Express® Gold Card
- Why do I need a business credit score?
- Other Jetty products for renters
- 4. Decide how to file your taxes
- Jumbo loans and conforming loan limits
- Sharing a Prime membership Using Amazon Household
- How to save on car insurance
- Other considerations to determine your down payment
- Who benefits the most from the MGM Rewards changes?
- Air France Wi-Fi recapped
- What does the Job Openings and Labor Turnover Summary report show?
- Benefits of refinancing
- 5. PayPal
- Tips for making money on Shopify
- Next Steps
- 14. Moonlight as a dog sitter
- Getting motivation
- Using your credit card for rental car coverage
- Discounts
- Average money market account rate: 0.66%
- Am I a resident for New York state income tax purposes?
- Consumer experience
- Who pays the gift tax?
- Which type of life insurance should I put in a trust?
- What are the best Vanguard index funds?
- Interest-based passive income ideas
- 5. Understand your investment options
- July
- Alaska Airlines travel insurance recapped
- How to find and book hotels with multiple room suites
- Cons of a credit freeze
- Upgrade Cash Rewards Visa®
- Steps in the small-business grants process
- Could we be in an AI bubble?
- Are these the best dividend stocks?
- Should you get a Credit One or Capital One credit card?
- What do the approvals mean for other crypto investments?
- How to start impact investing
- Should you pay rent with your credit card?
- The complete list of dividend aristocrats
- U.S. Bank Cash+® Visa Signature® Card
- Getting a home appraisal report
- Venmo
- Types of gas
- If you’re thinking about buying Frontier’s GoWild Pass …
- Airline credit cards
- Find local conforming loan limits
- Should you choose Wells Fargo or Bank of America?
- LLC sales taxes
- How much can you borrow with a HELOC?
- Step 3: Secure startup funding
- 5. Lower your living expenses
- 5. Collateral
- How you can save points on a redemption
- Why you can trust NerdWallet
- 5. Dave: Best for repayment flexibility
- How to track your Georgia state tax refund
- Step 5: Submit your application and get funded
- Average cost of homeowners insurance in Connecticut by city
- 15. Become a rideshare or delivery driver
- 6. Look for ways to lower your expenses
- When NOT to pay more frequently
- Credit union vs. online lender
- Fleet fuel cards: benefits and drawbacks
- Chase car rental insurance, recapped
- The best place to exchange currency at the end of your trip
- Do you pay taxes when you receive a gift?
- 2024 state income tax rates and brackets
- Longer list of extras for the Southwest Rapid Rewards® Priority Credit Card
- How do I get my business credit score?
- The bottom line
- Extra fees
- Your readiness to buy a home
- Factors that don’t affect your credit scores
- Enhanced airport experience
- Capital One Venture Rewards Credit Card
- Discounts
- United MileagePlus credit cards to help you fly to Mexico
- 8. Negotiate the best price
- Consumer complaints
- How to access Delta Sky Club at LAX
- Figuring out how much you need to save
- Risks to consider
- Ways to get the best jumbo mortgage rates
- Does Honolulu airport have a Centurion lounge? What AmEx lounges are open?
- How to settle a dispute with MOHELA
- Tax Day resources
- Buy travel insurance
- Other renters insurance companies to consider
- 16. Cut your insurance premiums
- Will you owe capital gains taxes on your home sale?
- Empower Personal Dashboard, for tracking wealth and spending
- A closer look at these companies
- 6. Begin the underwriting process
- Does it make sense to book via Chase?
- The problem with 'cents off per gallon'
- 5. Buy coverage, revisit annually
- How to use Avios for a British Airways upgrade
- How much money can you make on YouTube?
- Credit freeze or credit lock?
- Consequences of a child tax credit error
- How to claim the child and dependent tax credit
- Is Amazon Prime worth it?
- Amenities
- Home shopping tips
- Consumer experience
- How to maximize value in Emirates economy class
- How do I make changes to an IRS installment agreement?
- Why did Signature Bank fail?
- Currency exchange: Frequently asked questions
- Buying rental car insurance on your own
- Don't assume cash is better
- Figo: Best pet insurance for cats
- Is the gift tax deductible?
- 5. Incrementally raise your savings rate
- How do I find my public and private keys?
- Other renters insurance companies to consider
- August
- How to improve your credit
- Transferring Avios between programs
- VA refinance fees
- 8. Borrow private loans as a last resort
- How to find cheap United flights to Hawaii
- The future of blockchain technology
- 2024 Georgia state income tax changes
- ESG investing: How to get started
- The cheapest home insurance in Connecticut
- When to consider Global Entry instead
- Is Main Cabin Extra worth it on American Airlines?
- Allstate vs. competitors
- Pros of investing in REIT stocks
- Citi Premier® Card
- Credit cards and elite status can improve your overall experience
- The synthetic long
- LLC tax forms and deadlines
- 25% discount on in-flight meals and drinks
- Another way to save on interest without paying off your car loan
- When you’re ready to plan a trip
- 6. Sezzle
- 3. Make the most of your savings
- Western Union
- Get credit for the bills you pay
- How to avoid capital gains tax on home sales
- How much is the gift tax rate?
- Walmart2Walmart
- Final thoughts on the different United economy fare classes
- More about these cards
- Additional checked baggage fees
- Who can access your frozen credit reports?
- Important considerations when opening a Roth IRA
- Discover it® Secured Credit Card
- Being pregnant at Disney World, recapped
- Can you purchase day passes to Honolulu airport lounges?
- What is the quit rate?
- Next steps
- Compare top-rated life insurance companies
- 9. Maximize trade-in value, if applicable
- Loyalty program
- 6. MoneyLion: Best for existing customers
- Can I apply for an IRS payment plan myself?
- 17. Consolidate your debt
- The difference between interest rate and APY
- Elite benefits on partner flights
- Best for those who pack expensive equipment: Travel Insured International
- Last-minute cruises may not be for you if …
- Why are California gas prices so high?
- Shopify vs. Etsy: Which is right for your business?
- DTI isn't a full measure of affordability
- State child tax credits
- Should you invest in AI stocks?
- Trip protection
- 3 things to know about Georgia state tax
- Next steps
- Fuel card vs. business gas credit card
- Learn about the best life insurance companies
- Compare insurance rates by driver history
- Cons of investing in REIT stocks
- Delta Sky Club at LAX review
- Getting the timing right
- Bottom line: Is it worth claiming the child and dependent care tax credit?
- Is getting a HELOC a good idea?
- Which card should you get?
- If you're considering a transfer of Chase points to British Airways
- What to know about Connecticut homeowners insurance
- What’s happening with Silvergate Capital Corp.?
- Consumer experience
- Earn an audience, and earn more in the long run
- If you want to maximize your stay
- September
- Extra fees
- How can I check and monitor my credit?
- Dates that could move markets this month
- Step 4: Obtain licenses, permits, and business insurance
- 18. Refinance your student loans
- If you're ready to start a budget
- Frequently asked questions
- The bottom line
- Are dividends taxed?
- Other factors to consider
- In-flight experience
- What is the $500 credit for other dependents (ODC)?
- Pumpkin vs. competitors
- 10. Make the purchase
- Final thoughts on getting TSA PreCheck for free
- What happened to Credit Suisse?
- Common gift tax return triggers
- Gas credit card savings calculator
- Investing in REITs: How to get started
- Last-minute cruise deals recapped
- Credit cards that earn Chase Ultimate Rewards®
- The bottom line
- LLC tax tips for business owners
- Other perks
- U.S. Bank Cash+® Visa Signature® Card
- A limited time bonus
- How full coverage car insurance works
- Are wages increasing?
- Find the best life insurance policy for you
- The worst way to use your Marriott Bonvoy points
- Practice good credit habits
- 19. Change your cell phone plan
- Other types of mortgage loans
- 7. Prepare for closing
- Types of FIRE
- California state tax credits
- What is credit card consolidation?
- Next steps
- If your DTI is high
- Child tax credit vs. child and dependent care credit
- How to get to Paradisus Los Cabos
- Important policies to be aware of
- Booking your next Seattle trip with rewards
- 7. Zip
- Home insurance quote comparison example
- 7. SoLo Funds: Best for peer-to-peer cash advances
- What's next?
- 4. Money market funds
- W-4 calculator
- Capital One Venture Rewards Credit Card
- Western Union
- Taxes on bonuses: The bottom line
- Other ways to make money
- More resources on investing
- Delta vs. Alaska: The results
- 5. Gather tax filing information
- Mission Lane Visa® Credit Card
- The bottom line
- Avoid risky loans
- How taxes on real estate, rental, and investment sales work
- PocketGuard, for a simplified budgeting snapshot
- How the FDIC calculates national rates
- Does the president control gas prices?
- October
- If you’re considering an upgrade to Delta Comfort Plus
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Does your business need a fleet fuel card?
- Car rental insurance: The bottom line
- 8. Close on the home
- How does credit card consolidation work?
- Investing
- Next steps
- Step 5: Promote your business
- Understanding life insurance quotes
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Are other banks are in trouble?
- Other renters insurance companies to consider
- The bottom line
- Best for adventurous travelers: World Nomads
- Can't finance before you sell?
- If you want to travel to Cabo with points and miles …
- 3 best cold wallets
- Is it better to get a home equity loan or line of credit?
- How to choose among the best ways to send money internationally
- Cheapest for 30-year-old drivers
- United MileagePlus credit cards to help get you to Hawaii
- The bottom line
- What else to know about Form W-4
- What to know before shopping for car insurance quotes.
- If you want to redeem Marriott Bonvoy points ...
- Is there an over-55 home sale exemption?
- How does the Israel-Hamas war affect gas prices?
- Practical matters
- The bottom line
- 6. File and settle up with the IRS
- What does the Employment Cost Index Show?
- 8. Klover: Best for no-fee advances
- Check your credit scores and reports
- Should I take my money out of the bank?
- NYC income tax rates
- 5. Mutual funds
- Final thoughts on Hyatt beach hotels
- November
- What are tax deductions?
- How to find cheap full coverage auto insurance
- How big is the impact investing market?
- Additional tips for making money on TikTok
- The bottom line
- Is consolidating credit card debt a good idea?
- OK, what's next?
- Veteran farm grants
- Prosper® Card
- No foreign transaction fees
- What to do if you can’t keep up with your HELOC payments
- Compare buy now, pay later apps
- More resources
- Marriott Bonvoy Boundless® Credit Card
- Zelle:
- In-flight experience
- Final thoughts on the best flight booking site
- Bank of America® Premium Rewards® credit card
- Best stocks for beginners
- The bottom line
- Is it worth the annual fee?
- Other life insurance options for seniors
- Emirates Airlines economy class: is it worth it?
- Should you use a buy now, pay later app?
- Are we in a recession?
- Limitations of FIRE
- Can I still use my credit card after debt consolidation?
- Home purchasing tips
- How are impact investments measured?
- Which homeowners insurance companies should I consider?
- Important policies to be aware of
- MetLife: Best pet insurance for dogs
- 6. Index funds
- Mortgages
- The bottom line
- Will unemployment rise?
- Honeydue, for budgeting with a partner
- Best for medical coverage: Travelex Insurance Services
- December
- Pros and cons of loan apps
- More about buying life insurance as a senior
- Step 6: Know your responsibilities as an employer
- Other ways to redeem Marriott Bonvoy points
- Connecticut insurance department
- How to track your California state refund
- Capital One QuicksilverOne Cash Rewards Credit Card
- Why you can trust NerdWallet
- The bottom line on investing in stocks
- 4. Be persistent
- Are we headed for a depression?
- Next steps
- Venmo Credit Card
- When is the next jobs report?
- Cheapest car insurance by state
- Prime Visa
- 6 things to know about New York state income tax
- What to know about the best ways to send money
- Alternatives to farm grants
- Who is the Citi® / AAdvantage® Executive World Elite Mastercard® right for?
- What are tax write-offs?
- How much does home insurance cost?
- Looking for more insurance in Connecticut?
- British Airways vs. Virgin Atlantic winner
- Bilt World Elite Mastercard® Credit Card
- The new Marriott award system
- More about top-rated life insurance companies
- Final thoughts
- Other hardship assistance
- Which Hawaiian island should you choose?
- California state sales tax
- Benefits and risks of alternative investments
- What goes into a homeowners insurance quote?
- Budgeting resources from NerdWallet
- How to make money from home
- Capital One Platinum Credit Card
- How do you claim tax deductions?
- Alternatives to buy now, pay later
- 7. Exchange-traded funds
- 5 things to know about California state tax
- Best if you have travel credit card coverage: Seven Corners
- How to get cheap car insurance
- Hardship financing to avoid
- Are cash advance apps payday lenders?
- Other ways to earn money
- Personal loans
- Methodology to identify the best budget apps
- Final thoughts
- Other notable options
- 8. Stocks
- First-time home buyer programs near Pennsylvania
- American Express® Business Gold Card
- AvantCard Credit Card
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Target Circle™ Credit Card
- Nationwide: Best pet insurance for exotic pets
- How to get a cheap homeowners insurance quote
- Business class
- Best alternative investment to stocks
- Best for long-term travelers: IMG
- National first-time home buyer programs
- Major issuers and their policies on instant credit access
- How to get the cheapest car insurance quote possible
- Alternatives to cash advance apps
- Student loans
- Blue Cash Everyday® Card from American Express
- Cheapest for 40-year-old drivers
- The bottom line
- How to make money offline
- What makes an Instagram business idea successful
- JetBlue vs. Delta recapped
- 9. Alternative investments
- TD Cash Credit Card
- Capital One Venture Rewards Credit Card
- Best for travelers with unpredictable work demands: Tin Leg
- Other ways to earn Chase Ultimate Rewards®
- Taxes
- Capital One® Walmart Rewards™ Mastercard®
- Cash advance app star rating methodology
- 10. Cryptocurrency
- Other ways to save money
- Travel rewards
- Fine print
- Pets Best: Best pet insurance for flexible plans
- Apple Card
- How to choose a startup idea
- Full list of the best car insurance companies
- Best for booking travel with points and miles: TravelSafe
- How to compare car insurance rates
- 11. Real estate
- Best car insurance companies by state
- PlayStation Visa Credit Card
- Venmo Credit Card
- The best renters insurance policy for five common scenarios
- Truist Enjoy Cash credit card
- How to choose the best investments in 2024
- Best for group travel insurance: HTH Insurance
- How to find the best car insurance
- Cheapest for 50-year-old drivers
- Spot: Best pet insurance for straightforward waiting periods
- Best Buy credit cards
- Types of travel insurance
- Tips for starting a home-based business
- U.S. Bank Business Leverage® Visa Signature® Card
- Find the best cheap renters insurance in select states
- How we ranked the best renters insurance companies
- The bottom line
- Why you can trust NerdWallet
- Xbox Mastercard
- How much is pet insurance?
- How to choose an insurance company
- What does travel insurance cover?
- How to find the best dog insurance
- Watch out for making money scams
- Cheapest for 60-year-old drivers
- What’s not covered?
- How much does it cost?
- How to find the best cat insurance
- Do I need travel insurance?
- How to compare pet insurance companies
- How to choose the best travel insurance policy
- What are the top travel destinations in 2024?
- Cheapest for 70-year-old drivers
- More resources for travel insurance shoppers
- Top credit cards with travel insurance
- Methodology
- How we ranked the best pet insurance companies
- Learn more about personal finance
- Cheapest car insurance for military families
- How to get cheap car insurance in California
- Minimum auto insurance requirements in California
- Alternative car insurance in California
- How AAA car insurance works in California
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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