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100 Articles by Ru Chen
Can Non-U.S. Citizens Get a Personal Loan?
If you face financial challenges as a non-U.S. citizen, this guide can teach you how to obtain a personal loan and what alternatives to consider.
Understanding the Role of Financial Stability and Creditworthiness in Personal Loans
In this guide, we assess how financial stability and creditworthiness play a role in personal loan decisions.
Assessing the Financial Need for Personal Loans
Learn the key points on how to assess the financial need for personal loans.
Mastering Interest Rates in Personal Loans: Negotiation, Interest-Free Options, and Rate Lock Explained
In this guide about mastering interest rates, we go over negotiating favorable terms, interest-free options, and rate lock strategies.
Can You Get a Personal Loan for Divorce?
In this guide, we go over how a personal loan can help you pay for divorce expenses.
Personal Loan Tenure Selection
Learn the essentials of personal loan tenure selection.
Understanding Loan Application Rejection: Common Reasons for Personal Loans
In this guide, we go over the common reasons why personal loan applications are rejected.
Understanding Credit Counseling and Its Role in Personal Loans
In this guide, we go over credit counseling and how it can help with personal loan management.
Debt Repayment Plan for Personal Loans
In this guide, we review the essentials of creating a realistic debt repayment plan for personal loans.
Can You Get A Personal Loan To Cover Unexpected Medical Expenses?
Learn about how a personal loan can help you cover unexpected medical expenses.
The Loan Transfer Process for Personal Loans: Understanding the Steps and Benefits
Read more about whether you should transfer your personal loan to someone else.
Understanding the Loan Origination Process and Origination Fee for Personal Loans
The loan origination fee affects your overall cost of borrowing. Learn more about the loan origination process and associated costs.
Can You Get a Personal Loan for a Rental Deposit?
This guide will tell you how you can get a personal loan for rental deposits.
Can You Get a Personal Loan for Plastic Surgery?
In this guide, we go over whether you should get a personal loan to finance plastic surgery.
How EMI Is Calculated for Personal Loans
Learn more about how EMI is calculated and how it affects your personal loan costs.
Personal Loan Interest Rate Comparison
In this guide, we review what you should know about comparing different personal loan interest rates.
Should You Take Out a Personal Loan to Pay Rent?
In this guide, we go over the pros and cons of using a personal loan to pay rent.
Can You Get a Personal Loan to Cover Funerals?
In this guide, we go over the benefits and drawbacks of using a personal loan to cover funeral arrangements.
Can You Get a Personal Loan to Cover Weddings?
Read on to learn about how a personal loan can benefit couples who are planning a wedding.
Can You Get a Personal Loan to Finance a Wedding Ring?
In this guide, we review what couples need to know before using a personal loan to finance a wedding ring.
Types of Personal Loans
Explore various types of personal loans and find the right one for your needs. Discover options such as secured, unsecured, debt consolidation, and more.
Personal Loan Interest Rates
Explore the best personal loan interest rates available. Compare options, find the lowest rates, and secure the perfect personal loan for your financial needs.
Understanding Loan Usage Restrictions in Personal Loans
Learn about how loan usage restrictions in personal loans work and the most common limitations.
Personal Loan vs. Home Equity Loan: Which Is Best?
In this guide, we go over the differences between personal loans and home equity loans to help you decide which one is better for you.
Personal Loan vs. Auto Loan: What’s the Difference?
Learn about the essential differences between personal loans and auto loans.
Personal Loan Prepayment
Learn about personal loan prepayments, including their benefits and drawbacks.
Loan Preapproval and Prequalification for Personal Loans
In this guide, we will go over the differences between loan preapproval and prequalification.
Navigating Personal Loans: Secured vs. Unsecured Options
Learn all about the differences between secured and unsecured personal loans.
The Power of Financial Education: Empowering Borrowers in Personal Loans
Read all about the power of financial education and the role it plays in personal loan management.
Essential Personal Loan Amount Knowledge
Gain vital insights on personal loan amounts knowledge, including how lenders assess creditworthiness, income, and more to determine borrowing limits.
5 Essential Considerations Before Taking Out a Personal Loan
Learn about the 5 key points to know before obtaining a personal loan.
Understanding Loan Forgiveness Programs for Personal Loans
Learn about loan forgiveness programs and whether you can use them to reduce your personal loan debt burden.
Choosing Your Credit Wisely: Personal Loans vs. Credit Cards
This guide covers how to make an informed choice between personal loans and credit cards.
Personal Loans for Student Living Expenses: An In-depth Look
In this guide, we take a detailed look at the pros and cons of obtaining a personal loan for college student living expenses.
How to Make a Contingency Plan for Personal Loans
In this guide, we go over the essentials of contingency plans for personal loans.
Can You Get a Personal Loan to Cover Home Renovation?
Here is what you should know about getting a personal loan to cover home renovation project expenses.
Fast-Tracking Financial Freedom: Effective Strategies for Paying Off Personal Loans Early
In this detailed guide, we go over effective strategies to use for paying off personal loans early.
Key Eligibility Criteria for Personal Loans
Learn about the eligibility criteria for personal loans.
Understanding Personal Loans
In this guide we break down what you need to know about personal loans.
Personal Loans for Entrepreneurs
This guide goes over how entrepreneurs can use personal loans to pay for business needs and what pitfalls to avoid.
Can You Get a Personal Loan for a Laptop?
In this guide, we review the pros and cons of getting a personal loan for laptops.
Fees and Charges on a Personal Loan
Learn about the fees and charges on personal loans.
Can You Get a Personal Loan to Start a Small Business?
In this guide, we review how you can use a personal loan to fund a small business.
How to Use Personal Loans for Debt Consolidation
This guide teaches you how to use personal loans for debt consolidation.
Personal Loan Insurance Benefits and Coverage
In this guide, we'll cover what you need to know about personal loan insurance benefits and coverage.
Unsecured Personal Loan Types
Learn about the types of unsecured personal loans.
Personal Loans for Students: Financing Education Without Student Loans
Looking for alternatives to traditional student loans? This guide goes over how to finance education without a student loan.
Personal Loans vs. Credit Cards: What’s the Difference?
In this guide, we review the key differences between personal loans and credit cards.
Navigating Loan Options: Credit Unions vs. Banks for Personal Loans
Learn about how to navigate different personal loan options.
Boosting Your Credit Score: The Role of Personal Loans
Learn all about how you can boost your credit score using a personal loan.
Can You Get a Personal Loan for an RV?
Learn if you can get a personal loan for an RV.
Personal Loan Amount Calculation
Learn how personal loan amounts are calculated for different loan types, along with strategies for obtaining your desired loan amount.
Best Personal Loan Repayment Options
Here are the best personal loan repayment options.
Personal Loan Application Process
Learn about the personal loan application process.
Closing a Personal Loan
Learn about the process of closing a personal loan.
What Is Earned Wage Access?
In this guide, we review how Earned Wage Access works and how both employers and employees can benefit from EWA.
Basics of Loan Consolidation
Learn about the basics of loan consolidation.
Holiday and Christmas Loans: Definition and Alternatives
Learn about the pros and cons of holiday loans, as well as alternatives to consider if you’re facing financial challenges.
Payday Loan Late Fees and Consequences
In this guide, we go over the risks and fees you need to know about payday loans before you consider obtaining one.
Low Income Loans: What Are They and How to Get One
Learn all about the pros and cons of low income loans to make an informed decision about whether they’re suited for your needs.
Employee Loans: Should You Borrow From Your Employer?
Learn about the pros and cons of obtaining an employee loan from your employer.
Basics of Loan Refinancing
In this article, we cover the basics of loan refinancing.
Types of Personal Loan Insurance
Learn about the types of personal loan insurance.
What to Know About Solar Panel Financing
Learn about solar panel financing so you can save money on your solar system installation.
Demystifying the Loan Verification Process in Personal Loans
In this guide, we simplify the loan verification process for personal loans and discuss its pros and cons.
Improving Your Credit Score
In this guide, we will go over how to improve your credit score so you can boost your financial standing.
How to Get a Tax Refund Advance in 2024: A Comprehensive Guide
This guide goes over how you can get a tax refund advance in 2024 and the pros and cons of a tax refund loan.
Credit History Length
In this guide, we review what is credit history length, how to improve it, and its relation with credit scores.
Apps That Loan You Money Instantly Without a Job
Learn about how to obtain an instant loan app, as well as best practices to prevent you from falling for scams.
What Is an Installment Loan?
Learn everything you should know about taking out an installment personal loan.
Can You Collect Unemployment If You’re Fired?
In this guide, you can learn about whether you can collect unemployment if you’re fired or laid off from your job.
Understanding Loan Application Status and Funding Time for Personal Loans
In this guide, we explain the various statuses of loan applications and how they affect funding time.
Can You Get a Personal Loan for a Mobile Home?
In this guide, we discuss the pros and cons of obtaining a personal loan for mobile and manufactured homes.
Emergency Fund Essentials
In this guide we cover the essentials of emergency funds.
How to Pay for Pet Care in an Emergency
Learn about the various financing options for emergency pet care.
Can You Get a Personal Loan for Lawyer Fees?
Learn about how a personal loan can help you secure timely, competent legal representation.
Credit Inquiries
In this guide we go over the essentials of credit inquiries that you need to know.
Can You Get a Personal Loan for a Motorcycle?
Learn about how a personal loan can help you finance the motorcycle of your dreams.
Terms and Conditions of Personal Loans
Understand the terms and conditions of personal loans to avoid penalties and extra charges. Learn about interest rates, repayment options, and eligibility.
Can You Get a Personal Loan for a Boat?
Learn about whether you should take out a personal loan for a boat.
Understanding Loan Document Requirements for Personal Loans
In this guide, we go over what loan documents are required for a smooth personal loan application process.
The Basics of Personal Loans
Learn about the basics of personal loans.
Credit Score Myths
In this guide, we debunk some of the most common credit score myths.
Do Personal Loan Companies Call Your Job?
If you’re worried about personal loan providers calling your employer, read this guide to learn more.
How to Pay for Van Life
Learn about the various financing strategies to pay for van life.
Can You Go to Jail for Disputing Charges?
In this guide, we go over whether you can go to jail for disputing financial charges.
Consequences of Defaulting on a Personal Loan
Learn about the consequences of defaulting on a personal loan, including credit penalties, legal actions, impact on future loans, and loss of collateral.
Can You Get a Loan to Cover Auto Repairs?
In this guide, we go over how you can use a personal loan to cover auto repairs.
How to Pay for Gender-Affirming Surgery
In this guide, we go over financing strategies for gender-affirming surgery.
IVF Financing, Loans, and Payment Plans
If you need to pay for IVF, here are the various loans and payment plans that can provide funding.
Personal Loans for Single Moms
In this guide, we go over the pros and cons of personal loans for single mothers, as well as advice for effective budgeting and loan repayment.
Should You Take a Pawnshop Loan?
In this guide, we go over how to decide if you should take out a pawn shop loan.
Credit Score Management Basics
Learn about the basics of managing your credit score.
What Is a Mezzanine Loan?
In this guide, we go over the essentials of what is a mezzanine loan.
Factors Affecting Credit Score
In this guide we go over factors that affect your credit score.
Types of Credit
In this guide we cover the different types of credit.
Pool Financing 101: How to Pay For a Pool
In this pool financing 101 guide, we go over the essentials for how to pay for a pool.
Are Personal Loans Taxable?
In this guide, we go over when personal loan proceeds are taxable and how loan forgiveness affects taxation.
Can You Get a Personal Loan for Pregnancy-Related Expenses?
Learn if you can get a personal loan for pregnancy-related expenses.
How to Borrow Money from Cash App?
Learn more about how to take out a loan from Cash App.
