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Latest Articles and Promotions

US Bank offering 7.99% APR on Unsecured Personal Loan

U.S. Bank logoUnexpected expenses can be a wrench in otherwise well-thought-out financial plans. While some reach for plastic to cover major purchases or shortfalls in budgeting, an alternative to credit cards is becoming far more popular. Personal loans among individual borrowers are more sought after as interest rates on credit cards remain in the double digits and the cost for carrying debt on revolving accounts soars. Additionally, personal loans offer predictable repayment terms that can be extended for years, all while maintaining a relatively low interest rate. Personal loans can be used for a variety of financing needs, including substantial purchases, home improvement projects, or consolidation of higher interest rate debt.

Posted on May 27, 2016 by Melissa

Negotiating Your Credit Card Interest Rates

Credit card interest rate trapDid you know that you can negotiate the interest rate on your credit card? Few people are aware that they have rights and negotiating powers when it comes to the terms and conditions on their credit card. Although there are few rights, and the company can easily deny your application if they wanted to, many people have discovered that it is possible to negotiate better interest rates on their credit cards. The interest rate on your credit card is arguably the number one factor that is increasing your monthly payments, with the exception of excess spending.

Posted on May 25, 2016 by Ryan

Kentucky Telco CU offering 3.25% APR on 15yr Home Mortgage or Refinance Loan

Kentucky Telco Credit Union logoIn a low interest rate environment, purchasing a home or refinancing a current mortgage are attractive in the realm of money management. Securing a low interest rate means a lower cumulative cost of borrowing for some, while it made lead to reduced monthly outlay in terms of the required monthly mortgage payment for others. Homeowners can take advantage of promotions such as no closing costs or application fees to make the process of buying or refinancing a home that much more affordable.

Posted on May 23, 2016 by Melissa

Should I Use a Person Loan to Consolidate My Debt?

Debt reduction next exit signHousehold debt in the United States is on the rise, while wages aren’t growing at the same pace. Sometimes we need to take on extra debt. We have bills to pay, medical expenses and the occasional gift to ourselves taking up space on your credit card balances. It can be tough to be consistent with our personal finance habits. But when we slip up, it ends up costing us in the long run. Luckily, not all hope is lost.

Posted on May 20, 2016 by Ryan

3 Top Balance Transfer Credit Cards in 2016

Man holding two credit card optionsIn our last report we covered research that revealed interest rates and total debt is rising significantly across the nation. Many of you may be part of this group that is experiencing financial difficulties and increased credit card debt. One of the most popular methods of handling burdening credit card debt is transferring the balance on one credit card to another.

Posted on May 18, 2016 by Melissa

California Bank & Trust offering 2.24% Introductory APR on HELOC for 9 Months

California Bank & Trust logoOne of the reasons home ownership is an attractive investment is the ability to borrow in a cost effective way against the equity in a property. Home equity loans and home equity lines of credit allow homeowners the opportunity to tap into valuable funding for life’s major expenses. Home renovations or additions, college funding for children, a family vacation or consolidation of higher interest rate debt can all be obtaining in a cost effective way through a home equity product.

Posted on May 16, 2016 by Melissa

U.S. Credit Card Debt is Surging

Unhappy woman holding head looking at credit cardBe careful with your credit cards in the coming months and years. New reports are emerging that detail the rise of credit card debt and delinquencies in the country. When delinquencies begin to rise, analysts start paying attention. Usually this means something is going wrong in credit markets. The fallout from large scale credit card defaults can have a bigger impact than you think.

Posted on May 13, 2016 by Ryan

Fifth Third Bank offering 1.99% APR on HELOC for 6 Months

Fifth Third Bank logoThe current low interest rate environment can be a blessing for homeowners who have accumulated equity in their primary residence. Borrowing against that equity through a home equity line of credit or a home equity loan while interest rates remain low means a relatively inexpensive way to obtain funding necessary for life’s major expenses. Whether it is funding a child’s education, completing that remodeling wish-list around the house, or consolidating higher interest rate debt like credit cards or personal loans, a home equity line of credit proves to be a smart financial move for qualified homeowners.

Posted on May 11, 2016 by Melissa

Companies That Want to Help With Your Student Loans

Student Loan Right Arrow SignThe US education system is wading into uncharted territory. The total amount of student loan debt has now surpassed $1.4 trillion and it continues to rise. Young millennial workers are reporting a lack of well paying jobs across the country. Analysts are now becoming concerned that the combination of low paying jobs and massive student loans will cripple the economy. People cannot engage the economy by purchasing products, paying taxes and applying for mortgages if they are crushed by student debt.

Posted on May 9, 2016 by Ryan

P2P Loans vs Credit Cards: Which is Better for Financing – Part 2

Woman holding cash and credit cardTo continue where we left off, we’ll reiterate that P2P lenders generally have the advantage when it comes to interest rates. However, interest rates are not the whole story. There are other costs associated with both types of financing options. In the case of credit cards, the financing options are minimal, and sometimes even nonexistent. Some credit cards have annual membership fees, but other than that there usually aren’t any other hidden fees. There are late fees, but we’ll cover that in a later section. This is different from personal loans, which can often times come with fees and even require collateral in order to be approved.

Posted on May 6, 2016 by Ryan

Looking for older posts? Browse the archive.

  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.19%
    Low Interest Rate:11.96%
    Balance Transfer:14.39%
    Cash Back:15.30%
    Instant Approval:18.04%
    Bad Credit:22.56%
  • Mortgage Rates

    Courtesy of erate.com