Apr 13, 2021 12:42:42 PM Budget, emergency loan

How to Choose Between a Short-Term Loan and a Long-Term Loan

Short-term loans and long-term loans often serve different purposes. Short-term loans typically have a repayment period spanning from a few months to a year. On the other hand, long-term loans are often for much larger amounts and come with a multi-year repayment period. Outside of mortgage and business loans, long-term loans are rarely ideal. If you’re not sure which one you need, there are a few questions that can help you narrow down your choices. 

Apr 6, 2021 3:00:00 AM Budget, emergency loan

5 Factors to Consider When Choosing a Personal Loan

Personal loans are inherently... well, personal. No one understands your financial situation better than you do. The best way to find the right fit is to evaluate your needs and do your research first. Personal loans can come in all different shapes and sizes, and what’s best for someone else might not be what’s best for you. When you’re shopping for personal loan options, there are some variables that you may want to consider. 

Mar 30, 2021 3:00:00 AM Budget, emergency loan

Why is a Spotloan Better Than a Payday Loan?

Both Spotloans and payday loans might come in handy during a financial emergency. A roof leak, a car repair, or a missed mortgage payment would leave many of us needing extra funds and fast. But not all funding options are created equally. 

Mar 23, 2021 3:00:00 AM Budget, emergency loan

What is a Spotloan?

If you’ve found yourself in a tough spot financially in the last year, you’re far from alone. COVID has taken a toll on the finances of American adults, many of whom were already struggling to keep up. In September 2020, 61 percent of Americans surveyed said that their emergency savings wouldn’t last through the end of the year or that they had already run out of savings.

Mar 16, 2021 3:00:00 AM Budget, emergency loan

3 Things to Look for when Selecting an Emergency Loan Lender

Emergency loans are incredibly personal, and what worked best for a friend, family member, or neighbor, might not be the same thing or lender that will be best for you. Choosing the right emergency loan lender comes down to carefully evaluating your needs and options before identifying which one lines up the best. 

Mar 2, 2021 3:00:00 AM Budget

What is an Emergency Loan?

If you’re new to the loan process, you might not know just how many different types of loans there are out there. Most people have heard of personal loans, home loans, student loans, and auto loans. These popular loan types all serve different purposes and come with different terms and rates. But they’re not the only loan types that are available today. After personal, home, student, and auto, a large number of borrowers rely on emergency loans. So, what is an emergency loan? 

Feb 16, 2021 3:00:00 AM Budget, Celebrations

The Top Four Resources for Financial Literacy [2021]

2020 left most American adults feeling financially vulnerable, so it comes as no surprise that many people are seeking out the top resources for financial literacy. But with a world of information at our fingertips, how do we decide what’s a top resource for financial literacy and what’s simply lingering among the valuable information in the Google search results? A quick search for the question, how do I start learning about personal finance, retrieves 3.5 billion results in less than a full second. We’ve done the digging to make the top resources for financial literacy easier to find.

Feb 9, 2021 3:00:00 AM Budget, Celebrations

How to Stick to Your New Year's Financial Resolutions

It’s always right around this time of year that we start wondering: how do you stick to your New Year’s financial resolutions? We set them with good intentions, ringing in the new year with a heightened sense of ambition and hope, but our motivation almost inevitably begins to wane as the cold months drag on. In fact, 80% of individuals who set New Year’s resolutions abandon them by February. So, how do we stick to our New Year’s financial resolutions and find ourselves in the 20% instead of the 80%? Thankfully, we’ve identified a few tried-and-true ways to stay committed to our goals. 

Feb 2, 2021 3:00:00 AM Budget, Celebrations

How to Make Valentine’s Day Special on a Budget

Valentine’s Day 2021 is fast approaching, and it has left many of us wondering how to make the holiday special on a budget. With the pandemic adding an additional level of difficulty, a lowkey Valentine’s Day celebration is pretty much a necessity. And thankfully, low-key usually translates to budget-friendly, too. From DIY decor and homemade dinners and desserts to themed movie and game nights, there are plenty of ways to make Valentine’s Day special on a budget. Read on for a breakdown of our favorites.

Jan 26, 2021 3:00:00 AM Budget

Four Tips to Identify Budget-Friendly Cell Phone Alternatives

Staying connected is a necessity, there’s no arguing that. But, many of us wonder if there are any budget-friendly cell phone alternatives that make staying connected more affordable? How do we stay connected with our families, friends, and colleagues without spending a fortune? Thankfully, there are plenty of budget-friendly cell phone alternatives that will help ease the burden. From usage-based coverage to income-based cell phone plans, staying connected can be more affordable than you might think.