Loans

by | Jul 17, 2019

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Loan Options Made For You

As a borrower, you have choices when it comes to auto loans, personal loans, home loans, even student loans. Take advantage of these new offers, and choose a loan category that fits your needs. Apply with one of our preferred partners and see how much you can save!

Whether you’re looking to buy a new car, pay down some high-interest credit card debt or finance some home repairs, there’s a good chance you’ll need to apply for some financing during your lifetime. If you’ve never applied for a loan before, the process can seem a bit daunting. Our Credit.ly experts are here to help. Learn how to get the best deal on your next car, and avoid the mistakes. Find out the ins and outs of payday loans and the pitfalls that come with the territory.

From Our Creditly Experts

5 Credit Laws You Really Want to Know About

5 Credit Laws You Really Want to Know About

5 Credit Laws You Really Want to Know About. If you can’t seem to get an error off your credit report or you’re dealing with incessant debt collection calls, it’s easy to get overwhelmed. And you feel the deck has been stacked against you. But take a deep breath....

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What Happens to Your Credit When You Get Married?

What Happens to Your Credit When You Get Married?

Credit is the last thing on your mind as you get ready for marriage. Love is in the air, but what happens to your credit reports and credit scores when you get married? There are all kinds of common misconceptions about merging reports and falling credit scores....

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Cosigning a Loan: What You Need to Know

Cosigning a Loan: What You Need to Know

Cosigning a Loan: What You Need to Know. Your credit is good, but not good enough. If you don’t have stellar credit, you might considered asking a friend or relative to cosign for you, be it for a personal loan, student loan or even credit card. Getting a cosigner can...

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Understanding Your Foreclosure Rights

Understanding Your Foreclosure Rights

You're in trouble financially, and you’ve fallen behind on your mortgage payments, the threat of foreclosure is real. This reality should not be ignored because the prospect of losing your home, can easily become overwhelming. As a result, struggling homeowners may...

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Dealing With a Tax Lien on your Credit Report

Dealing With a Tax Lien on your Credit Report

​Dealing With a Tax Lien on your Credit Report. Taxes and Death - The only things in life that you can rely on. Many people have been in a position unable to pay their taxes at some point in the past. Fear not, even if this has occurred to you, resolutions can be...

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How Long Do Things Stay On Your Credit Report?

How Long Do Things Stay On Your Credit Report?

Credit takes on a life of it's own. In many ways, a credit report is a lot like a living thing: It grows and strengthens over time, and when something bad happens, it will eventually heal. The duration of that healing process depends on the severity of the damage....

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The Ultimate Mortgage Glossary

The Ultimate Mortgage Glossary

The Ultimate Mortgage Glossary. Buying a house is a great way to plant roots, and a first step to financial growth. If you’re looking to buy a home, the first thing you’ll want to do is check your credit, since it’s going to play a huge role in your ability to get a...

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Top 5 Worst Car Buying Mistakes

Top 5 Worst Car Buying Mistakes

Top 5 Worst Car Buying Mistakes. Having a car is a necessity in this day and age. Next to buying a home, buying a car is one of the biggest financial decisions you’ll make in your life, and you’ll likely do it more than once. And when it comes down to how to buy a...

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Payday Loans vs Personal Loans

Payday Loans vs Personal Loans

Payday Loans vs Personal Loans. You need a loan, and now you have options. Payday loans and personal loans may sound alike, but they’re hardly the same thing. For starters, a payday loan operates on a much shorter time frame — it is typically due on your next payday,...

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The truth about Payday Loans

The truth about Payday Loans

sceIf you're asking the question, "What is a payday loan," your not alone. According to the Consumer Financial Protection Bureau, payday loans are short-term, high-cost loans for small amounts. Payday loans certainly aren’t the bargains of the personal finance world,...

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What Does FICO Stand For? What is a FICO Score?

What Does FICO Stand For? What is a FICO Score?

Have you heard of the word "FICO"?  This funny sounding word is more important than you think when it comes to your Credit Score. The FICO credit score is a credit score developed by FICO. A company that specializes in what’s known as “predictive analytics,” which...

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5 Steps to DYI Debt Reduction

5 Steps to DYI Debt Reduction

DYI Debt Reduction. Everyone has debt, you are not alone.  Let's tackle the debt problem with five easy steps. The most common question that comes up when you find yourself in thousands of dollars of debt is simple — how do I actually reduce my debt? The challenge of...

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Divorce survival guide

Divorce survival guide

Sometimes things just don't work out. It's a mess and now your credit needs to be sorted out. Marriage can have a big impact on your credit history. While your individual credit reports still stand, if you combined accounts and borrowed money together after tying the...

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Signs your identity has been stolen

Signs your identity has been stolen

We spend more time online than ever before. From Amazon, to Netflix, Facebook and More. More and more of our lives are moving online, which means the chances of having your identity stolen increases. With all of the information out there, how do you even know if your...

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What Is Credit & Why Is it So Important?

What Is Credit & Why Is it So Important?

What Is Credit? How it Impacts Your Life Credit - It can be confusing. Creditly can help clear up your questions. Perhaps one of the most misunderstood, and often frustrating things about the consumer credit industry is how your history affects so many aspects of your...

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What Happens To Your Credit When You Get Divorced?

What Happens To Your Credit When You Get Divorced?

What Happens To Your Credit When You Get Divorced? When couples file for divorce, credit, debit and shared accounts need special attention for the benefit of both parties. When spouses divorce, they not only have to figure out the finer details of living their lives...

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Consumer Financial Survey

Consumer Financial Survey

2009FinancialLiteracySurvey Download the Full 13 Page PDF Here.Financial Literacy: 41 percent of U.S. adults, or more than 92 million people living in America, gave themselves a grade of C, D, or F on their knowledge of personal finance, suggesting there is...

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19 Confusing Mortgage Terms Deciphered

19 Confusing Mortgage Terms Deciphered

  19 Confusing Mortgage Terms Deciphered. You’ve found your dream home, which means it’s time to start the mortgage process. If you find yourself overwhelmed and confused by all the mortgage terms out there, don’t worry because you’re not alone. Getting a...

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How Much House Can I Afford?

How Much House Can I Afford?

If you’re thinking about buying a new home, the question, “how much house can I afford?” is the first one to ask yourself. Many first-time home buyers need to ask this question, but may not. Determining the lending amount you can qualify for is the first official step...

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How Does a Mortgage Work?

How Does a Mortgage Work?

How does a mortgage work? Thirty-year fixed-rate mortgages recently fell from 4.51% to 4.45%, making it a perfect time to buy a home. First, though, you want to understand what a mortgage is, what role rates play and what’s required to qualify for a mortgage loan....

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How to Work with a Mortgage Broker

How to Work with a Mortgage Broker

How to Work with a Mortgage Broker. Home loans can be obtained from lenders, banks or credit unions—known as mortgage lenders or direct lenders—that make loans to directly to individuals. Residential mortgage loans can also be obtained from mortgage brokers. Brokers...

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How to Save Money without Feeling Deprived

How to Save Money without Feeling Deprived

If you see penny on the sidewalk, do you pick it up? If you’re trying to save money, the effort to save money versus how much you can afford to save, is a constant balancing act. The key is finding a balance that allows you take advantage of ways to save money without...

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Equifax: Credit Reports & Scores Guide

Equifax: Credit Reports & Scores Guide

Company Profile: Equifax® Equifax Inc. (Equifax) is a consumer credit reporting agency in the United States and is considered one of the three largest American credit reporting agencies along with Experian and TransUnion. Information that Equifax collects, and is...

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TransUnion: Credit Reports & Scores Guide

TransUnion: Credit Reports & Scores Guide

If you are like most people and have loans or credit cards. Then your debt-handling habits are tracked, collected and put into reports by the three major credit bureaus. Those reports are then used for credit scores, which help lenders determine whether to approve you...

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How Much Money to Save for an Emergency

How Much Money to Save for an Emergency

How Much Money to Save for an Emergency? An emergency fund is a must-have safety net. CNN reported that nearly 25% of American adults did not Save for an emergency whatsoever. Only 29% had the recommended six months of savings tucked away. This all begs the question,...

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The Best Ways to Loan Money to Friends and Family

The Best Ways to Loan Money to Friends and Family

Try to mix family and money and get ready for a whirlwind of drama. Even though most of us are relatively generous people, and want to help a family member or friend, it's harder than you think. But the fact is, a person who can't get a personal loan from a...

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How to Successfully Navigate the Mortgage Process

How to Successfully Navigate the Mortgage Process

  Gather your documents, there’s a lot involved in the mortgage process and what you need to know to get your home loan approved. The home loan process is only part of the equation though. It’s important to take understand all the steps before the jumping into...

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Who Are the Major Credit Reporting Agencies?

Who Are the Major Credit Reporting Agencies?

The credit reporting agencies (CRAs), also known as credit bureaus, gather all of your credit information, so it’s wise to be well-informed about their function. Consumer credit history, scores and reports are extremely important, so we want to make sure you have the...

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Top Late Payment Secrets Revealed

Top Late Payment Secrets Revealed

Top Late Payment Secrets Revealed. In the complicated world of credit scores there is one fact pretty much everyone assumes is true: Late payments are bad for your credit scores. Negative information like late payments can stay on your credit reports for up to seven...

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What Is a Soft Credit Check?

What Is a Soft Credit Check?

With a soft credit check your score won't suffer. Yes, it's as easy as that. When someone looks at your credit, either for informational or promotional purposes. Your credit score has a great deal of impact on your life. That’s why it’s a good idea to stay on top of...

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What Is a Hard Inquiry?

What Is a Hard Inquiry?

Your credit score will drop when a hard inquiries are also known as hard pulls occur.  This happens when a creditor checks your credit for the purpose of giving you a loan or credit card. A soft inquiry, or soft pull, is where you or a company is simply looking for...

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Tips for Improving Your Credit: Your Amount of Debt

Tips for Improving Your Credit: Your Amount of Debt

A revolving debt is a kind of debt that credit cards typically offer, and it is a pretty simple and straightforward way for a consumer to obtain credit. However, there are some slight complications when you begin to compare revolving debt with a traditional loan. How...

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Improve Your Credit Score

Improve Your Credit Score

If you are like most hard working people, you may be struggling to get ahead by trying to be approved for a credit card. You may also be disappointed with the rates lenders are offering you, it’s time to take a detailed look at your credit score. Your credit score is...

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How to Start Building Credit Once You Turn 18

How to Start Building Credit Once You Turn 18

Start Building Credit Once You Turn 18. Success and your credit score go hand in hand. Good credit is crucial to unlocking many financial opportunities in life. When you have a great credit score, you will see lower interest rates on car loans, credit cards, and...

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How to Buy a Car With Bad Credit in 2019

How to Buy a Car With Bad Credit in 2019

You're excited about that new car, but your bad credit can put a damper on a lot of things, including loans. But it is possible to How to Buy a Car With Bad Credit. Get a car loan with bad credit in 2019. It’s just going to cost you, said Matt Jones, consumer advice...

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How to Get the Best Personal Loan Rates

How to Get the Best Personal Loan Rates

How to Get the Best Personal Loan Rates. Fixed-rate personal loan can be a useful tool for consolidating debt, like high-interest credit cards or paying for an upcoming expense. To help you score the best low-interest personal loans, we tapped John Lovelet, a...

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How to Get a Personal Loan With Bad Credit

How to Get a Personal Loan With Bad Credit

So you're in need of some extra funds - great!   But, you have a problem. Your credit scores don’t appear to be in the best of shape. You may be wondering how to get a personal loan. Or if it’s even possible to get one. An ideal lender would be willing to look past...

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How to Build Credit the Smart Way

How to Build Credit the Smart Way

Building credit the smart way is easier than you think. Being on top of your accounts on a monthly baiss and making smart decisions is key when it comes to improving your credit standing. Building your credit in a smart way can help you achieve your goals — better...

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How Is My Credit Score Calculated?

How Is My Credit Score Calculated?

You can get a free credit score almost instantly from several sources. How do they come up with the credit scores, and how are they calculated? This is the question you should be asking. The basis of any of your credit scores is easy enough to figure out. All the...

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What Is a Good Credit Score?

What Is a Good Credit Score?

The answer is 660 or better, according to what the credit bureaus consider to be a "good" credit score. Let's start by understanding How Credit Scores are Calculated using the FICO® score or VantageScore 3.0 scoring models. The range starts at about 300 and can be as...

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