Loans

are payday loans fixed or variable
5 min read

Are Payday Loans Fixed or Variable? Avoiding Costly Traps

5 min readA payday loan helps when you have short-term money issues. It is usually due on your next payday. These loans have fixed interest rates and can have high fees. It is very important to read the terms and conditions before you agree to a payday loan. Consider other options like personal loans, loans […]Continue reading "Are Payday Loans Fixed or Variable? Avoiding Costly Traps" →
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Debt,Loans,Personal
5 min read
How to Avoid Late Fees on Your Car Loan—Even If You’re 5 Days Late - Verified by FangWallet
8 min read

How to Avoid Late Fees on Your Car Loan—Even If You’re 5 Days Late

8 min readDid you know that even a single missed car payment can put you at risk of vehicle repossession? Late car payments can severely impact your credit score, potentially leading to higher interest rates and difficulty securing loans in the future. Most car loans do offer a grace period, typically between 10 to 15 […]Continue reading "How to Avoid Late Fees on Your Car Loan—Even If You’re 5 Days Late" →
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Auto,Guides,Loans
8 min read
What Happens When You Miss a Payment Near Your Loan’s Maturity Date? - Verified by FangWallet
6 min read

What Happens When You Miss a Payment Near Your Loan’s Maturity Date?

6 min readA loan’s maturity date signifies the due date for the final payment, marking the loan’s completion. Understanding your loan agreement and maturity date is crucial for responsible borrowing. Missing a payment near the maturity date can have repercussions, including late fees and potential credit score impacts. It is essential to communicate with your […]Continue reading "What Happens When You Miss a Payment Near Your Loan’s Maturity Date?" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Debt,Guides,Loans
6 min read
how to get out from under a car loan
12 min read

How to Get Out From Under a Car Loan—Fast and Smart!

12 min readHaving negative equity in your auto loan can feel overwhelming, but numerous solutions can help you navigate this challenge. Refinancing your car loan could potentially lower your monthly payments. It might be beneficial to explore the option of selling your car privately or trading it in, but carefully evaluate the financial implications beforehand. […]Continue reading "How to Get Out From Under a Car Loan—Fast and Smart!" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Auto,Debt,Loans
12 min read
How to Get a Loan Like NetCredit Without High Interest Rates - Verified by FangWallet
7 min read

How to Get a Loan Like NetCredit Without High Interest Rates

7 min readLook into options that are better than high-interest loans, like NetCredit. Find out how to get low-interest loans. Learn about credit scores, income ratios, and more. Get ideas on raising your credit score to have better loan choices. Discover how to compare lenders and pick the best loan for you. Introduction Taking charge […]Continue reading "How to Get a Loan Like NetCredit Without High Interest Rates" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Guides,Loans,Opinion
7 min read
how much is too much credit card debt
5 min read

How Much Is Too Much Credit Card Debt? Warning Signs & Fixes

5 min readHigh credit card debt can lead to financial instability, impacting your credit score and limiting future opportunities. Recognizing the warning signs, such as consistently making minimum payments, is crucial for early intervention. Assessing your debt-to-income ratio and credit utilization provides clarity on your financial standing. Employing strategies like the debt avalanche or snowball […]Continue reading "How Much Is Too Much Credit Card Debt? Warning Signs & Fixes" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Credit Cards,Debt,Loans,Opinion
5 min read
how to refinance a personal loan
5 min read

How to Refinance a Personal Loan: When It Makes Sense

5 min readRefinancing can get you a lower interest rate, reduce monthly payments, or help you consolidate debt. It’s crucial to compare offers from different lenders to find the best rates and terms. Before refinancing, check for prepayment penalties on your existing loan and origination fees on the new one. Refinancing might not be beneficial […]Continue reading "How to Refinance a Personal Loan: When It Makes Sense" →
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Debt,Loans,Personal
5 min read
VA loan pros and cons
4 min read

VA Loan Pros and Cons: The Truth About Buying a Home with Zero Down

4 min readVA loans offer incredible benefits like no down payment and competitive interest rates, making homeownership accessible for veterans. However, they come with strict eligibility requirements and funding fees. It's essential to weigh these factors carefully.Continue reading "VA Loan Pros and Cons: The Truth About Buying a Home with Zero Down" →
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Loans,Mortgage,Personal
4 min read
How to buy a house in 2025
7 min read

How to Buy a House in 2025: Mortgage Hacks to Save Thousands

7 min readNavigating the housing market in 2025 requires strategic planning. Start by assessing your finances and securing pre-approval for a mortgage. Research neighborhoods, attend open houses, and don't hesitate to work with a knowledgeable realtor to guide your journey.Continue reading "How to Buy a House in 2025: Mortgage Hacks to Save Thousands" →
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Investing,Loans,Mortgage
7 min read
requirements to refinance a mortgage
7 min read

Requirements to Refinance a Mortgage: Step-by-Step Guide

7 min readRefinancing your mortgage can be a smart financial move, but it's essential to meet certain requirements. Typically, lenders look for a stable income, a good credit score (usually 620 or higher), and sufficient equity in your home. Understanding these factors can help you navigate the process.Continue reading "Requirements to Refinance a Mortgage: Step-by-Step Guide" →
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Loans,Mortgage,Personal
7 min read
student loan default
4 min read

Student Loan Default: Steps to Get Back on Track Financially

4 min readStudent loan default occurs when you stop making payments for an extended period, typically 270 days. It can severely impact your credit score and financial future. Fortunately, options like repayment plans or loan rehabilitation can help you regain your footing.Continue reading "Student Loan Default: Steps to Get Back on Track Financially" →
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Debt,Loans,Opinion,Students
4 min read
Affirm review
4 min read

Affirm Review: Does It Really Help You Finance Big Purchases?

4 min readIn this Affirm review, I’ll walk you through how the service works and its safety measures. Affirm allows you to split purchases into manageable payments, but it’s crucial to understand the terms before diving in. Let’s explore the details!Continue reading "Affirm Review: Does It Really Help You Finance Big Purchases?" →
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Banking,Loans,Opinion,Reviews
4 min read

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