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How to Write a Loan Application Letter (with Samples)

Sometimes we need financial assistance to push through with our business idea, education, medical emergencies, or any other personal project or goals that require a huge amount of money for its realization. Basically, it is for this reason that banks and other money lending institutions exist.

Applying for a loan from any lending institution requires the applicant to first fill out a form. Along with this form, the applicant can attach a loan application letter that provides more details on what he/she intends to do with the money and an overview of how the loan will be paid.

As a loan applicant, you need to learn how to write the loan request letter in a polite and convincing tone to appeal to your lender for your loan to be granted successfully.

What is a Loan Application Letter?

A Loan application letter is a document that informs the financial lending institution of the amount of money you are asking for, a clear outline of what you intend to do with the money, and convinces the bank why you are a good investment risk. Because it is a request, a loan application letter should be written in a polite tone, short and to the point.

The Loan Application Process

Based on the financial institution you choose, the process and time it takes for you to receive funding may vary. However, the typical loan application process may take on the following critical stages:

Pre-qualification stage

Prior to the loan contract, the potential borrower receives a list of items that they need to submit to the lender for them to get a loan. This may include Identification proof, credit score, current employment information, bank statements as well as previous loan statements.

Immediately this information is submitted, the lender reviews the documents and makes a pre-approval- meaning the borrower can move on to the next phase of the loan application process.

Loan application

In the second phase of the loan origination process, the borrower fills-in the loan application form either electronically- through mobile apps, websites, or paper-based. The data collected is then tailored to specific loan products.

The aspects that are included in the loan application form include the following;

The payment method- if it will be personal, through a check, or via online banking.

The payment frequency- There are several payment frequency methods, for example, Monthly installments, annually, or if the loan will be paid once.

The amount of interest accumulated on the loaned amount. This is the amount of money charged by the lender to the borrower on top of the amount which he/she has loaned.

The assets in the form of properties of the borrower will serve as collateral damage/guarantees in case the borrower defaults loan repayment or is unable to make his payments as per the agreed time.

Application processing

Once the application is received by the credit department, it is reviewed for accuracy, genuineness, and completeness. Lenders then use Loan Originating Systems to determine an applicant’s creditworthiness.

Underwriting process

This process only begins after an application is totally completed. In this stage, the lender checks the application in consideration of various accounts, such as an applicant’s credit score, risk scores, and other industry-based criteria. Today, this process is fully automated using Rule Engines and API integrations with credit scoring engines.

Credit Decision

Based on the results from the underwriting phase, the lender makes a credit decision. The loan is either approved, denied, or sent back to the originator for additional information. If the criteria used do not match with what is set in the engine system, there is an automatic change in the loan parameters, for instance, reduced loan amount or a different interest rate on the loaned amount.

Quality Check

Quality check of the loan application process is very critical since lending is highly regulated. The loan application is then sent to the Quality Control Team to analyze critical variables of the loan against internal and external regulations on loans. This is often the last step of the application process before funding is approved.

Loan funding

Once the loan documents are signed by both the borrower and the lender, funds are released shortly after. Nevertheless, business loans, loans on properties, and second mortgage loans may comparatively take more time to be approved due to legal and compliance reasons.

Essential Elements of a Loan Application Letter

Now that you have already understood the complex loan application process, it is important that you know the critical points to include in your loan request letter to convince your lender to give you a business loan.

Here is how to effectively write a loan application letter:

Header and greetings

The first and most important element of your business or personal loan application letter should be a header and an appropriate greeting.

In your header, include the following details:

Your business names
The physical address of your business
Business telephone and cell phone numbers
Lender’s contact details
Lender’s or Loan Agent’s Name and Title
A subject line stating the loan amount you are requesting for.

Once you have written your header, include a friendly but professional greeting to start off your loan application letter in a cordial tone.

Business Loan Request Summary

The body of your business or personal loan request letter should start with a brief summary of your loan request amount, why you need the loan, your basic business information, and why you are an ideal risk investment for the lender. This section should be brief and concise. Only include the relevant information to capture your loan agent’s interest and keep them reading the body of your loan application letter.

Basic Details about your Business

Ideally, this is the third paragraph of your loan application letter. Use a few short and concise sentences to give a clear outline of your business.

Be sure to include the details below:

The legal name of your business and any DBA that your business uses
Your business structure- if it is a corporation- partnership, individually owned, etc.
A summary of what your business does.
How long your business has been operational
Total number of employees
A brief description of your current annual revenue

Once you have provided your basic business information, it is time to write the meat of your business loan request letter- clearly explaining why you need the business loan and how you intend to recuperate the investment.

The purpose of the business loan

In the fourth paragraph of your loan application letter, explain succinctly how you will use the business loan. Additionally, tell the lender why your intended use of the business loan will be a wise business investment.

While detailing this section, be as specific as possible and demonstrate to the lender that you have carefully considered the kind of revenue generation this new debt will accomplish for your business. for instance, don’t just say that you intend to use the loan for working capital. Rather, say that you plan to increase your inventory by 45% or that you need to increase your Human Resources to 4 to generate more income by 6%.

In the same paragraph, inform the lender exactly how the loaned amount will help generate more profits necessary to cover repayment plus the interest accumulated on loan.

Proof that you’ll be able to fully repay the loan

In this section, you need to demonstrate to the lender that you can pay back the loaned amount together with interest as per the agreed repayment period. You will want to use any figures from your latest income statements or balance sheets to prove your business is financially healthy and that it is a low-risk investment decision for your lender. In case you have other existing debts, be sure to mention them and include a business debt schedule if possible. If your business is profitable, highlight that in your letter since it something that most lenders pretty much look for in successful loan applicants.

In addition to that, consider including specific cash flow projections to demonstrate to your lender how you plan to fit repayment of the loaned amount plus interest into your budget.

Sample: Loan Application Letter

Sample 1: business loan application letter.

Samira Mitchell,

Mitchell Face Masks Limited,

4680 Forest Road

939, New York.

January 17, 2021

Mr. Wesley Kingston

Guarantor Trust Bank

679, New York State

Ref: Loan Request for $10,000

Exactly two years ago, I started my small face mask vending business in our local market. Over the last two years, my business has picked up really well to an extent where I need to expand to a bigger face mask vending company.

It is for this reason that I am writing this letter. I am confident that there is a great market niche for face masks, especially due to the current worldwide Novel Covid-19 Pandemic. Thus far, I have had many repeat customers, new customer links through referrals, and my client base has grown rapidly. Generally, there is an increase in demand for my products; therefore, I am requesting for a loan amounting to $10,000 to be able to supply more and satisfy all my clients.

This money, along with the amount that I have saved up from my profits, will enable me to lease a large, modern storefront and to import supplies that will help me launch my business plan.

I have attached my business plan, my latest business balance sheets, current business schedules, as well as my credit history statements for your perusal and review. If you have any questions or need any further clarifications, please contact me directly on (111) 345 679 or email me at Mitchel.facemasksltd.co.ke. Thank you for your consideration.

Samira Mitchel.

Sample 2: Personal Loan Application Letter

Dear Michael,

It is common for everyone to face difficult situations and bitter realities in life. I am currently facing a situation where everything seems bleak, and there seems to be no way out of this difficult situation. I am in debt, and I need to pay at least 30% of my house’s mortgage will be taken over by the bank, and I am currently ailing and weak, I’ll not be able to survive such a nervewrecking situation.

The only way I can avoid such a fate is by paying the full amount that is needed by the bank. I can be able to do so if I am allowed to take out a loan from the office, which is a privilege that the company has granted to all the employees. I would be thankful if the company allows me to borrow the money against my monthly pay.

Mr Brandon Brown

Do’s and Don’ts of Writing a Loan Request Letter

A loan application letter may increase or break your chances of receiving funding from any lending institution. This is because it is the first thing that lenders look for in the underwriting process when you submit an application. That said, you must know the dos and don’ts of writing a winning loan request letter to help you receive the funding that you really need.

Check your personal and business credit scores before sending a loan request letter and take the necessary steps to improve them.
Have all your financial statements ready, including cash flow statements, business balance sheets, P$L statements, etc
Make sure to submit all your relevant credentials along with your loan application request letter.
Always provide the correct and factual information to avoid fraudulent consequences.
Don’t make your letter too long and unnecessarily wordy
Don’t use an informal format while writing the loan application letter. Instead, follow the proper rules on writing formal letters
Don’t include any false information in your loan request letter- be it your business’s current financial health, assets, and liabilities that may be used as collateral damage in case you default payment or why you need the money.

Things to Remember When Writing a Loan Application Letter

Generally, you should always consider the following essential tips if you want to write a winning loan application letter:

The loan application letter is a formal document. Therefore, observe the proper rules of writing a formal letter.
Clearly state your intent to borrow a given amount of money
Provide a vivid but brief description of why you need the money. Your explanation should be concise, genuine, and transparent. While at it, explain how you plan to use the loaned amount and be very sincere about it.
Explain why your business is a low-risk investment decision for the lender.
Enumerate your assets and liabilities
Include the time, date, manner, and method that you will use to make your payment.

Free Loan Application Letter Templates

Are you looking to get some financing for your business or personal emergency? Download our free, well-crafted Loan application letter templates to help you customize your loan request letter. Our Templates includes all the critical elements of a winning loan request letter that will successfully help convince your lender to grant you the funding you need. Download our templates today to help you get started!

Collateral is defined as something that helps secure a loan. Generally, based on the type of lending institution you pick, the lender will give you less than your pledged asset value. Lenders every so often quote an acceptable loan to value ratio, meaning that if you borrow against your house, for example, and it worth $400,000, you will be given a loan amounting to $380,000. Again, this depends on the bank.

The prepayment penalty is a fee that some lenders charge if you pay off all or part of your loan before the loan’s maturity date. These do not usually apply if you pay extra principal on your loaned amount in small amounts at a time. However, it is good that you counter check with your lender.

Every lender follows a different criterion to approve a business or personal loan. The application process depends on several factors; therefore, the time taken to receive funding in your account may take anywhere from a few minutes to several days. This depends on the type of institution you choose and the type of loan you are asking for.

Acquiring a loan is sometimes a necessity in one’s business or personal life. Nonetheless, it is not always easy to get a loan as lenders are wary of granting loans due to loan repayment defaults and fraudulent borrowers. This article has provided you with great insight on loan application letters, the loan application process, essential tips for writing a winning loan application letter, and the dos and don’ts of writing a convincing loan request letter. If you keep these things in mind every time you are thinking of applying for a loan, you are sure to get the funds you need to ensure the smooth running of your business and sort any personal emergency that may come your way.

Sample Loan Application Letter

Last Updated On December 25, 2019 By Letter Writing Leave a Comment

Loan application is written when the applicant wants to seek monetary assistance in the form of loan mostly on a mortgage of property. Since it is a request, the letter should be written in a polite tone.

Use the following tips and samples to write an effective loan application letter to a bank manager or a company.

Sample Loan Application Letter Writing Tips:

As loan application letter is formal, the phrases and words should be chosen carefully.
The language used should be simple and easy to understand
The content of the letter should be short and straightforward.

Sample Loan Application Letter Template

__________ (Branch Manager’s name) __________ (Branch address) __________ __________

______________ (Your name) ______________ (Your address) __________________

Date __________ (date of writing letter)

Dear Mr. /Ms_____________ (name of the concerned person),

I have a savings account in your bank with account no._________ for the past …………… years. I want to apply for a ……………..(type of loan) loan for ………………….(state purpose) .

If you can inform me about the details and formalities required for seeking the loan, I shall make all the arrangements and meet you at the earliest.

Looking forward to meeting you,

Thanking you,

Yours Sincerely,

___________ (Your name)

Sample Loan Application Letter Sample, Email and Example/Format

Pavan Kumar 3214 Breeze apts Worli Hyderabad

The Branch Manager, Axis Bank, Station Road Branch, Hyderabad

30th September 2013

Subject: Loan application letter

Dear Sir/Madam,

I have a savings account in your bank for the last five years. I want to avail a home loan from your bank. I would like to know the details to seek a home loan from your bank.

I am a salaried employee, and I work for a central government organisation as a research scientist. You can verify my salary certificate and other details.

As the home loan interest rates have down, I would like to utilise this opportunity to buy a house. I have already booked a flat in Banjara Hills Hyderabad, and I need about Rs 35 lakhs as the loan amount. With my pay scale, I think I am eligible to seek a loan for this amount.

If you can send your representative to my place, we can discuss and finalise the loan. I shall keep all the documents ready so that there will not be a delay in processing the loan.

Looking forward to hearing from you,

_____________

Pavan Kumar

Email Format

A loan application letter is written to ask for financial credit service on some secured mortgage basis. As it is our requirement, the words should be so humble and sincere that the banker or the lender acquires total trust on the applicant. Loan application letter helps the loan applier to appeal for the various types of loans whichever he wishes to depend upon certain conditions.

I have sent this letter to you to explain my reasons behind requesting a loan modification on my mortgage. I wish to purchase a Mercedes Benz 300 Limousine costing Rs 56 lakhs. I am seeking an interest reduction down to 6.25% from my current 8.80%. I feel it is a fair percentage for you, and it is just within my means.

Without a reduction on the interest, I will not be able to afford the monthly payments. I have to choose between a loan modification and a foreclosure. I would far prefer the former, and you probably would as well. 6.25% is the most I will be able to manage, even if I cut all of my expenses out of the picture. Please consider my application seriously, and I hope to hear more from you on the matter.

Yours Faithfully,

____________

Jimmie Verna Melendez.

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How to Write a Loan Application Letter

Table of Contents

Sometimes, taking out a loan can become inevitable. Whether dealing with piled-up medical bills or a financial emergency, it’s common to turn to fast and convenient borrowing options. According to statistics, advances and loans accounted for more than 60% of bank assets in the European Union in 2021.

If you wish to take out a loan, you’ll have to fill out a loan application or request letter that details what you need the money for and how you’ll use it. The best way to appeal to a lender is by using a convincing tone and showcasing a clear plan for the money. Keep reading as we look at ways you can achieve this and ensure that your loan is granted successfully.

What is a Loan Application Letter?

A loan application letter is a typed or handwritten letter provided to your lender, helping them decide whether to approve your loan request. This letter is written when the borrower is seeking financial assistance from a lender to pay off some bills or other expenses.

When Do You Need One?

You might require a loan application letter in the following financing situations:

When you wish to borrow money from the SBA (Small Business Administration) since it recommends and encourages applicants to start their loan proposals with an executive summary or a loan application letter
When a borrower opts for a loan from a conventional bank lender and has to demonstrate that their business is financially viable and experiencing growth

In some situations, you aren’t required to write a loan application letter. These include scenarios like when a borrower is seeking equipment financing and said equipment serves as collateral, when someone requests a business line of credit with business bank statements or financial statements, and when a borrower seeks a term loan online using alternative lenders who want to go over your recent bank statements.

Essential Loan Application Elements

There are specific guidelines you need to follow when writing a loan application:

1. Header and Greeting

Whether you’re filling out a loan application letter for a personal or business loan, it’s crucial that you start with a header and greeting. Include several sentences that outline the necessary, accurate details of your loan request in the header. If you’re opting for a business loan, then you need to include the following details:

Company name
Company phone number
Company address
Loan agent or lender’s name and title
Loan agent or lender’s contact details
A subject line stating the desired loan amount

Follow this by incorporating a greeting right below the header so that you introduce your application with a friendly tone.

2. Loan Request Summary

You will have to provide your lender or loan agent with an overview of your loan request in this section. Ensure this section is concise, detailing only crucial information that’ll enable the lender to reach the letter’s body quickly. Entrepreneurs applying for a business loan should state why they are trustworthy borrowers, basic business details, the ideal loan amount, and the use of the loan.

3. Basic Business Details

It would be best if you started by making a clear loan request which includes the amount you wish to borrow. When you write a few sentences about the workings of your business, they should include the following information:

The legal business name
Any DBA used by the organization
The amount of time the business has been operating
The business structure
Number of employees
An overview of what the company does
Profits and annual revenue, if applicable

Once this is done, you can move on to the next step, which is explaining why you need a loan. Don’t also forget to outline how you plan to repay the owed amount if the lender grants the loan.

4. Loan Usage

Every lender’s goal is to minimize risk as much as possible, so don’t be surprised if they carefully scrutinize your application before deciding whether to accept or disapprove it. They will assess whether you can pay back the loan entirely on time. Make a solid outline of how you intend to use the loan and why granting you the funds is a wise investment. It’s essential to inform the lender that you have clear goals you will accomplish if the loan application is approved.

5. Proof of How You’ll Pay Back the Loan

In order to show your company’s financial health, you’ll need to use figures from the latest balance sheet or income statement. These records are essential because they demonstrate that you can repay the loan.

Additionally, you must include any additional business finances to prove you’re a low-risk investment. State down any existing debt and a schedule detailing how you’ll pay it back if you owe someone else money. Perhaps, you’re a new business, but profits are stable. In that case, ensure you mention this, as it proves your ability to repay the loan.

Once you achieve this, you can add a particular cash flow prediction to give the lender an idea of your payback plan, including the principal and interest amount.

6. Give Accurate Information

There’s no doubt that lending money is a risky investment. You can make your lender’s life easier by providing factual and correct details to ensure both parties agree with the terms of the deal. For example, include your accurate credit history. If you are dishonest during the loan application process, you will be considered a fraud, and there will be repercussions for your actions.

Tips for Writing a Loan Application Letter

Before sending a loan letter request, check your business and personal credit scores and whether you need to take specific steps to improve them
Provide transparent, genuine, and concise explanations
Ensure all information is factual and relevant
Keep all your financial statements ready, such as business balance sheets, cash flow statements, PSL statements, etc
Submit every relevant credential with your loan application request letter
Include the date, time, method, and manner you’ll use to make your payment
Avoid writing a letter that is unnecessarily wordy and long
Follow the rules available online on writing formal letters, so you don’t use an informal tone while assembling your loan application letter
Whether including your business’s current assets, liabilities, or financial health, don’t jot down false information that can get you into legal trouble.

Loan Terms and Penalties

If you fail to pay your loan on time, cancellation fees or penalties may apply that depend on the number of days you’re overdue on the payment. For example, if you’ve looked into how to get a title loan with a lien , you know that your car will be used as collateral. In case you default on payment or provide false information, you are likely to lose ownership of the vehicle.

You should go through the loan terms and conditions as this will enable you to determine how many days your payments can be delayed, how much penalties are for late payments, and the amount you’ll be charged if you cancel your loan. Choosing a loan provider that offers the lowest and most amenable terms is recommended.

Whatever reason you have for acquiring a loan, writing a solid loan application letter will improve your chances of obtaining the financial help you need. This application letter should be composed in a polite, convincing tone and include accurate information. You can do thorough research to pick a lender whose provided options align with your requirements. Consider beforehand how much money you need and apply for the relevant loan.

Join the thousands who have sharpened their business writing skills with our award winning courses.

Word & Excel Templates

Printable Word and Excel Templates

Loan Application Letter

Applying for the loan requires you to provide a lot of documentation. Some organizations ask you to fill out the loan application form, while in some cases, you have to write a loan application letter to the institute to apply for the loan.

The loan application letter allows you to add all the details that you are required to provide. The letter is written to the loan manager of the company, and he then decides whether he should accept the application or not. The letter should include the personal information of the applicant, and since it is a formal letter, it should be written to the point by avoiding unnecessary details. The lender should follow a standard format while writing the loan application letter. The loan manager should be told about the intended use of the money.

The first paragraph of the letter should state the reason for lending the money. It should be assured in the letter that you will not use this money for any illegal purpose. The date on which the applicant will return the borrowed money should be mentioned in the letter.

You should also include information about you in the letter that can make the reader feel that you are a trustworthy person. Here is a sample letter that can help you learn about the structure and format of the letter.

Loan application letter:

Dear [Recipient’s Name],

It is stated that I am writing this letter to request a loan from the finance office of your company because of some of my very peculiar and essential needs. My mother is seriously ill, and I must get her treated at the hospital, for which I need money. Please accept my loan application and sanction me $2000. I assure you that I will return you the loan from the deductions of my gross salary.

I will be highly grateful for this favor of yours.

I am looking forward to your reply.

[Your Name]

Preview and Details of Template

File: Word ( .doc ) 2003 + and iPad Size: 31 KB

More options

I am writing this letter to get a loan from your bank branch situated in New Jersey. Currently, I am working as a sales executive for ABC Organization and need a $10,000 loan. I am in utmost need of this amount as I have to meet the surgery expenses of my father. I have gone through all the requirements related to the loan process and have enclosed the necessary documents along with this email. Please let me know what other documents I need to send you, and you can call me at any time for further queries. I hope you will give a positive response to my request.

This application is a request to ask for a loan from your organization. I am Christiana Roseland, and I am currently running a bakery in New Jersey. I am planning to open a new branch according to the rising demand of people. For this purpose, I need $70,000/- and I will return the amount in installments. I have thoroughly read the rules and policies for the loan process and hopefully, I will return the entire amount within the given time period and the financial pronouncement has been affixed with this application. Waiting to get positive feedback from you.

This letter is a request for a loan application to construct a house. I am the managing director at ABC Company, and my monthly salary is not adequate to meet the construction expenses. I will return the due amount according to the company’s rules and policies and will not let you be disappointed. I contacted the admin office to find out the details, and Mr. Jackson has provided me with all the information. If you need additional information, you can ask me at any time. Thank you for taking my request into account.

Dear Madam, I, Darcy Louis, work in the security office of your company. I live in Valley Stream and travel two hours daily to come to the office. I do not have a personal vehicle, and sometimes it creates a lot of difficulties, and I often arrive late to the workplace. I want to apply for a loan because I have to buy a motorcycle. I need $10,000 in this regard. I have chosen a six-month installment plan, and 20% of my salary will be deducted each month. I request that you accept my loan application. I will be grateful to you. Thanking in anticipation.

Dear Sir, I am Dorothy John, and I live in Toronto. I am running a branch of ABC School. The strength of students is increasing with each session, and it is becoming difficult to adjust to the large number of students in a limited space. Therefore, I need to open a new branch adjacent to the current school and construct a new building, but I do not have enough money. I learned about your loan policy and want to apply for it. I have attached the needed documents along with the application. I am hoping to hear a quick response from you.

I am Julia Hughes, and I am writing this message to ask for a loan from your bank. I have an account in your Brooklyn branch, and my account number is [#]. I have a small business marketing in Brooklyn, and I intend to open a new branch in the Netherlands. Hence, it can be a source of ease for hundreds of people. The savings I have and the loan I am asking for will be of great help in expanding my business. Kindly send me an email detailing all the formalities for the loan process. I would like to ask you to send me a confirmation message so I may visit your branch on an immediate basis.

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What is a credit freeze?
High-dividend ETFs may generate income
What is YouTube Premium?
What is debt-to-income ratio?
What are dividend stocks?
Best-performing gold ETFs
What is a utility bill?
What is FICA tax?
What is an index fund?
High-yield savings accounts defined
Top cards for Amazon purchases
What is a spot Bitcoin ETF?
How to make money as a kid
What is a spousal IRA?
Graduated repayment at a glance
What is a homeowners insurance deductible?
1. Which type of mortgage is best for me?
Determining how much mortgage I can afford
How to invest your 401(k)
About Erie home insurance
Credit union vs. bank: Differences at a glance
What is an ESG fund?
What is a reverse mortgage?
1. Review account transactions from your bank
HELOC and home equity loan interest deduction rules
What is a VA home loan?
7 stock tips for beginner investors
What is the net investment income tax?
Inheritance tax definition
What is Venmo?
How long does it take to clear a check?
What is a money market account?
Best time to buy furniture
What is a 529 plan?
How much does HBO Max cost per month?
Tip calculator instructions
Key takeaways:
What is a routing number?
What is inflation?
What is invoice discounting?
How to get paid on TikTok
Medical expense deduction 2023
Who is eligible to contribute to a Roth IRA?
You value Orbucks rewards
How do electric vs. gas cars function?
How much emergency fund should I have?
Attractive welcome bonus
Types of mutual funds
What are crypto stocks?
Freelancing
15 of the best side jobs for college students
Prices blast past $350,000
About Auto-Owners home insurance
About Country Financial renters insurance
How to buy Berkshire Hathaway stock
Bullish vs. bearish: What’s the difference?
1. Standard CD: The regular box
Best-performing China ETFs
How to buy stocks in 6 steps
Is homeowners insurance required by law?
About Chubb home insurance
What are biotech stocks?
Receiving payments from clients
Investing money is personal
What is a digital wallet?
How long does it take to recoup refinance costs?
Florida state sales tax rate
How much should you tip your hairdresser?
What is a family budget?
5 ways to cash a check without a bank account
Good credit utilization follows the 30% rule
The best pet insurance companies at a glance
Still deciding on the right carrier? Compare Medicare Advantage plans
1. At gas stations
Lower interest rates
2. For tuition
3. For payments to the government
Higher credit limit or higher credit score?
4. For large purchases you can’t pay off right away
Collateral loss
5. At local merchants
1 time you can ignore these 'rules'
7 of the best apps to make money
What is a goodwill letter or late payment removal letter?
Can you withdraw money from a 401(k) early?
Microsoft Office Excel budget templates
How much are United miles worth?
How much should you spend on rent? It depends
What is a down payment?
What are IHG Army Hotels?
What is Affirm?
1. 'Stack' store and manufacturer's coupons
Check your credit reports
American Airlines AAdvantage® MileUp® benefits
Tax credit vs. tax deduction example
What is the new welcome offer?
When do I need a cashier's check?
How to use a savings goal calculator
What to do before buying an RV
How to start an LLC in Texas
Which airlines have lie-flat seats in business class
Frontier refund policy
What is a savings account?
What is the average cost of groceries per month?
Cheap car insurance for seniors
What is cryptocurrency?
How much does a Crunch Fitness membership cost?
Best Prepaid Debit Cards
What are brokerage fees?
How does the lottery work?
7 best-performing AI stocks
How to get paid on YouTube

What is Amazon Prime?
Where can undocumented immigrants get credit?
What is OASDI tax?
How much are taxes on lottery winnings?
1. Shop at stores with rewards programs
Nerdy takeaways:
The major differences
National first-time home buyer programs
Make sure the car qualifies for road testing
1. Report lost debit cards ASAP
Can you gift stock?
1. You’ll have better luck with the website, not the app
1. Certificates of deposit (CDs)
What are Vanguard index funds?
How is the Medicare IRMAA calculated?
Getting around the Honolulu airport
Pay on time and in full
Spotify Free
Savings accounts
Baggage fees
6 things to know about United's delayed flight compensation
What is Global Entry?
Best Medicare Advantage companies
What does a credit freeze do?
1. Book early if you have special needs or a large party
What are home equity loans and HELOCs?
How Roth IRAs work
HubSpot Marketing Hub: Best overall marketing software
1. Purchase discounted Disneyland tickets
What is a CD ladder?
Laid off vs. fired
How to upgrade your boarding position on a Southwest flight
What is the best car insurance company?
Rent Day: Elevated rewards on all purchases (except rent)
What to expect flying business class with Iberia
1. When your Bitcoin is taxed depends on how you got it
1. Hilton Orlando Buena Vista Palace Disney Springs Area (Hilton Honors)
1. The best credit cards aren’t for beginners
Mortgage options
The World of Hyatt Credit Card vs. the World of Hyatt Business Credit Card
How voluntary repossession works
What is private mortgage insurance?
Gross income vs. net income
What are short-term financial goals?
Seating: clunky but comfortable
What does this value mean?
Why is personal finance important?
What is umbrella insurance?
What does APY mean?
Pivot to a positive mindset
Online marketplace and auction sites
All about the Schumer box
What is home equity?
What you need to open a bank account
What is personal liability insurance?
Capital gains tax on stocks: Do you have to pay?
How much is a speeding ticket in California?
Does pet insurance cover surgery?
Key differences between personal loans and credit cards
10 ways to fly American cheaper
Why did the Treasury bond market crash in 2022 and 2023?
Tips to get the best last-minute travel deals
Ways to get cheap Alaska Airlines flights
What is Schedule C?
Buying Bitcoin
Pros & Cons
First, what type of financial help are you looking for?
Valuable perks of the United Club℠ Infinite Card
Choose a business name and structure
Allow up to 50% of your income for needs
What to look for in a health insurance plan
Start with the average cost of dog grooming
Credit bureau customer service phone numbers
Best credit cards for hotel bookings
What is a home budget?
Calculate your debt-to-income ratio
How to calculate interest in a savings account
1. What’s the dwelling coverage per square foot?
Beware raiding a retirement plan
Which state do you owe taxes to?
Credit cycling explained
American Express® Green Card summary
Spirit Airlines seat assignment
Should you quit your job?
What to expect when flying economy with Qatar Airways
What is TSA PreCheck?
In this issue
How to find a passport number on your passport
Best stocks by one-year performance
1. Set goals to save for a house
What is accounts receivable factoring?
Lufthansa economy fares
4 no-credit-check loan options
Capital One 360 savings rate, fees
Georgia state income tax rates and tax brackets
Michelle Singletary
1. Compare sites and deals
How much does Apple TV+ cost per month?
What is the Schedule A?
You can't upgrade from TSA PreCheck to Global Entry
How does the Fear and Greed Index work?
How much does a wire transfer cost?
What is fractional reserve banking?
Best places to sell clothes online
Most profitable small businesses
Banks with no debit card foreign transaction or ATM fees
What is an IRS payment plan?
Chase CD rates
How do CDs work?
Why is having a low credit utilization important?
California state income tax brackets and rates
What to expect flying first class with Singapore Airlines
What is a business loan?
The best budget apps
How much will refinancing save?
What is the child tax credit?
1. Sign up for Google Fi
What is covered by cleaning business insurance?
Types of crypto wallets
Frugal food tips
What is GoodRx?
What is second chance checking?
Federal Student Aid Estimator
What is qualified small-business stock (QSBS)?
Job or career change
Why gender matters when applying for life insurance
How does capital gains tax on real estate work?
What is a bonus?
How it works
What goes into the credit card interest calculation
Financial coach definition
What to do before applying for a mortgage
About MSC cruises
Travel perks galore: The Business Platinum Card® from American Express
1. Stop charging
First, some background
APY vs. interest rate: What’s the difference?
Many destinations will require proof of vaccination
Costs and fees
How to use the mutual fund calculator
Best advice for first-time flyers
What it means to default on a credit card
What is Frontier Airlines like?
What’s a price match guarantee?
What information is on a utility bill?
How do LLC taxes work?
Average car loan interest rates by credit score
QuickBooks Online pricing
How to status match with Delta
FICA tax rate 2023-2024
What the out-the-door price includes
How to make your Air Canada seat selection
Key context
How to clear your driving record
Is graduated repayment right for you?
Smart ways to leverage Iberia and Iberia partners for awards
What is Ozempic?
Frontier baggage fees: The basics
What is my net worth?
Transportation and job security concerns
1. Set your budget
What is a growth stock?
40 best startup business ideas
What are AI ETFs?
Advantages of paying off your car loan early
What is net worth?
Overview of Hyatt award chart
6 types of investments
When are taxes due in 2024?
Should you withdraw money from a 401(k) early?
What to expect flying economy with Emirates
How to invest $50,000
Refinance to a lower rate
What is deferred compensation?
3 steps to selling stocks
1. Best Western
Why you'll like the Apple savings account
How often to change your oil
Credit union advantages
How people use reverse mortgages
Check prices at nearby airports
1. Purchase in advance online
1. Find a payment strategy or two
What is a cash advance limit?
Fewer minority scholarships could decrease college enrollment
The latest IRS scams
Minimum wage over time
How long should I wait after filing for bankruptcy to get a car loan?
General advice for international money transfers
1. Pay what you can
Spirit Airlines reputation
Indicators that it's time to expand your business
Auto insurance
Values may rise faster than taxes

Step 1: Check your credit

50/30/20 budget calculator
VA streamline refinance
How to refinance your mortgage with bad credit
Indoor furniture: Winter, summer
1. Sell spare electronics
What types of car-buying apps are available?
Calculate for inflation
How balance transfers work
1. Start investing as early as possible
Term life vs. whole life: Overview
What is tax debt relief?
Delta’s flight cancellation policy
Finding cars sold by private sellers
Rates are tied to credit, not equity
The main difference between Kings Island vs. Cedar Point
How we found the best travel insurance
Questions to ask before hiring your first employee
Do Roth IRAs have an early withdrawal penalty?
1. Aroma Joe’s Coffee
Overall rankings
Where does Delta fly in the Caribbean?
Compare Medicare Supplement plans in Florida
2023 Arizona state income tax rates and tax brackets
Robinhood at a glance
Acorns at a glance
Calculate your closing costs
Transfer your balance to a 0% APR credit card
What is a cash-out refinance?
Common dealer fees
Delta's devaluation with a new partner award chart for Europe
Applying for a credit card online
How far in advance can you book Disney park reservations?
Can I cash a check at any bank?
1. Strengthen your financial profile
How does the program work?
What is a bad credit score?
What is a mortgage underwriter?
What are financial goals?
How to remove an authorized user
Marriott elites become United elites and vice versa
Business loan vs. business credit card
Our IHG One Rewards Premier Credit Card review
Generally, closing a bank account doesn't affect your credit
An overview of Marriott elite night credits
Best-performing U.S. equity mutual funds
What are China stocks?
Pet sitting or dog walking
1. Non-retirement goals
6 best free stock screeners
Best-performing REIT stocks: April 2024
What happens if you don't pay taxes, or pay your taxes late?
The Citi ThankYou and Choice Hotels partnership
What is an entertainment business?
Seats and cabin
How to find AAdvantage award tickets
What is a home-based franchise?
What is contractor financing?
What are some e-commerce business models?
Delta premium economy seats
What is a convenience fee?
Workers' comp requirements by state
Life insurance calculator
Roth IRA contribution limits 2024
1. Do I have to be a student when applying for a student credit card?
How we picked the best airline
Fidelity at a glance
What is satisfactory academic progress?
20 best seasonal business ideas
1. Build your network
1. They offer takeout and delivery
Cheap one-day tickets for Universal Studios
1. You have to be invited to apply
1. What is a mortgage broker?
How startup funding works
The best flight booking sites
How to estimate your home insurance
How does annual renewable term life insurance work?
How does the SALT deduction work?
VA funding fee exemptions
How to maximize rewards earnings with The Platinum Card® from American Express
Why are hospitals dropping Medicare Advantage?
Disney FastPass vs. Genie+
Step 1: Choose a name and business entity
How ScoreCard Rewards works
What is plumbing insurance?
Create a budget plan that works for you
What are closing costs?
Here’s how it works
Benefits of automatic credit card payments
The best car insurance
Colorado state income tax rates and tax brackets
Vending machine costs
Why do you need a passport to travel?
1. The 0% may not apply to everything
1. There’s a lower point minimum to transfer
What is a HELOC?
What to expect flying economy with Korean Air
How to check your Global Entry expiration date
Pool loan calculator
First Republic Bank and SVB: The difference
About EWR lounges
The problem with cash advances
How to get a tax transcript
Consider renting if you’re in transition
Which airlines are members of an Alliance?
Liability car insurance is crucial when driving in Mexico
How to start a business in Michigan
What is a foreign transaction fee?
Do rent payments affect credit?
How to start a laundry business in 10 steps
High CD rates for now
Where to find information for the calculator
Roth 401(k) vs. traditional 401(k): Where they differ
How do credit union loans work?
Calculator: Convert United miles to dollars
How to start day trading
Reasons to refinance a car loan when you have bad credit
How much is YouTube Premium?
What are estimated tax payments?
8 tips for finding a tax preparer or tax professional near you
Average online personal loan rates
1. Skip the airport
HELOCs and home equity loans compared
6 hardship loans for bad credit
Biggest life insurers in the U.S.
Does your life insurance have cash value?
Daily mortgage rates chart
What is pay transparency?
Elite status upgrades
How to find a currency exchange near you
How does bill pay work?
How much is the annual fee?
1. You’re afraid to call your financial advisor
Informed Delivery by USPS
How many credit cards is too many or too few?
How to use the pre-qualification calculator
Best ways to consolidate credit card debt
1. Clean up your credit
1. Expect to pay lower prices than for peak season travel
When do I need to buy insurance for my new car?
Seasonably slightly lower prices in fourth quarter
American Family
Real estate agent basics
How do brokerage accounts work?
Our picks for the best life insurance companies in April 2024
What is a tax extension?
Investing through an HSA
Does United fly direct to Hawaii?
What can cause a crypto crash?
What does market cap mean?
They're told it's 'good debt'
Spaces to relax and work
Are CD rates going up?
How to redeem Choice Privileges points
How much does an Amazon Prime membership cost?
How to spot origination fees
How does debt consolidation work?
1. There are two Merrick Bank credit cards
What is Disney Park Hopper?
Basics of American Airlines AAdvantage miles
Advantages of using credit cards
What is adjusted gross income (AGI)?
Checking and savings features
4 common check fraud scams
Small-business grants for veterans
Late winter and early spring
Mortgage payoff considerations
The largest low-cost airlines in Europe
How to budget money
Travel rewards
What is Allegiant Air?
What is a state income tax?
Stock chart components
Best fleet fuel cards
1. Fill out the FAFSA
1. Check your account statements
Best-performing ESG funds
Is too much credit bad for you?
Who is a long-term investor?
1. Think before you rebalance
Average savings account rate: 0.46%
What is Veterans’ Group Life Insurance?
1. Know your bank’s mobile check deposit requirements
What are gold stocks?
How Treasury bills work
What is a home equity loan?
Who owns the points?
Who has to pay the net investment income tax?
How to compare FHA vs. conventional loans
How does Venmo work?
How to start a consulting business in 9 steps
How to improve your financial health
2. Your travel agent might be able to track price changes
1. You'll earn elevated rewards at Gap and sister brands
Important things to know before flying first class on Emirates
What is Priority Pass?
You’ll be notified or see a $0 balance
What is a good APR for a credit card?
Do medical bills affect your credit?
The origins and effects of today’s credit card late fees
1. You'll earn 5% on Dodge-related purchases
Do you need flood insurance in Florida?
Pros of refinancing your car loan
Financial advisor fees
What is the gift tax?
Car theft insurance at a glance
What is recourse factoring?
What are virtual reality stocks?
Credit references for potential tenants
The top 10 cleaning franchise opportunities
1. PayPal Honey
Pandemic highlighted Americans’ financial fragility
What is Medicare Supplement Plan F?
Best day to book a flight
Life insurance risk classes explained
What does liability-only car insurance cover?
What is Costco?
Average retirement savings balance by age
In this article
How does AMT tax work?
Average real estate agent commission
How does a jumbo loan work?
Is silver a good investment?
REPAYE at a glance:
Reasons to decline a car loan
How to find your way around an airport
When to use a personal loan
No rewards on purchases
What’s deductible
5 things to know about Frontier flight delay compensation
Reverse stock split definition
How to conduct a market analysis: A step-by-step guide
What to know about penalty APRs
The top laundromat franchise opportunities
6 things to know about Alaska flight delay compensation
Student loan payoff calculator
What is a family and friends business loan?
The best investments for beginners
Network changes
EPS formula and example
How to book Turkish Airlines economy class
Uncovering your financial beliefs
What is an exchange or swap fund?
Knowing what you owe
When to open multiple business bank accounts
What is an EIN?
Are WebBank credit cards good?
What are single-stock ETFs?
A quick look at the billing cycle
Deciding factors
Can I make a car payment with a credit card?
2. High-yield CD: Like a regular box, but with more gems
How does a lady bird deed work?
Compare Medicare Advantage plans in Arizona
Prepare your insurance for hurricane season
Alternatives to LendUp
Small-town business ideas
LLC vs. corporation, summarized
1. There are two versions of the Petco Pay credit card
Discover Bank CD rates
How do I play the lottery?
The best time to book rental cars
Do mortgage lenders require home insurance?
What is a pending transaction?
What are tax refund advance loans?
What relief can I get?
What is the ‘donut hole’ in Medicare?
You're in a cash flow bind
Interest rate vs. APR
International roaming plans: postpaid
Can I use a digital wallet instead of a bank account?
Know how much data you use
How does a credit-builder loan work?
Is credit repair legal?
1. The courthouse
Calculate Florida state sales tax
How to fill out Schedule A
When can you withdraw from a Roth IRA?
Choice Privileges brands
1. You won't earn rewards
How to pay federal taxes online
How to create a virtual credit card number
8 places with alcohol in the Magic Kingdom
1. Eligibility for the card is based partly on where you live
How to send money online, on mobile or in person
The best money-making apps
Do goodwill letters work?
What is the 401(k) early withdrawal penalty?
How to freeze your credit with all 3 bureaus
What is the standard deduction?
7 high-dividend ETFs
If you have private insurance
What is gig work?
Why refinance your car loan?
Wells Fargo Active Cash® Card
Summary of cash advance apps
Tax filing status options
Why it helps to build credit early
1. Reward rates are solid …
How to make money online
What is the 10-year Treasury?
Breakdown of central air costs
What is the federal solar tax credit?
1. How Chase Sapphire Reserve® lounge access works
What are gold ETFs?
Why is your Capital One card suspended?
Bluebird Card Pros
11 best investments right now
1. 529 Savings and investing accounts
What the lawsuits are about
Our picks for high overall rewards
Start by checking your home equity
Deductibles
How is cost of attendance used?
How does a business budget work?
How do index funds work?
Garage door cost breakdown
Keeping your life insurance
Which banks have the best savings interest rates?
Transaction types
Top 11 spot Bitcoin ETFs by fee
What you need to know
What is a business credit report?
28 ways to save money
How spousal IRAs work
What’s a good credit score with FICO vs. VantageScore
Your own insurance usually comes first
How to upgrade your American Express card
How to switch car insurance companies
2. How much down payment will I need?
1. Check your calendar
How to understand the calculator results
Banks that offer joint business accounts
Mint vs. NerdWallet at a glance
How to convert JetBlue points to dollars
How to find your EIN
1. Participate in paid market research
How much is life insurance?
1. It offers deferred interest
Best for availability and locations: Hampton by Hilton
Plaid: The basics
1. It's easy to rack up rewards ...
What is a dividend aristocrat?
Who can use the married filing jointly status?
Netflix subscription cost
The FDIC insurance limit: $250,000 per depositor, per institution, per category
Credit union disadvantages
2. Hit 'unsubscribe'
1. Don’t assume any one company is the cheapest
When is your recertification deadline?
What does your travel insurance cover?
How does a VA home loan work?
Pets Best pet insurance
What is a business credit score?
Spotify Premium cost
What is Apple Daily Cash?
If you've contributed too much to an IRA, fix it before filing taxes
Where are community colleges that offer bachelor's degrees?
How to invest in stocks in 6 steps
Elite status tiers
Best credit cards with no credit check
Average 401(k) balance by age
Is inheritance taxable?
What is a seller's disclosure form?
2. Sell your gift cards
2. Skip Park Hopper for multiday trips
Credit cards with no balance transfer fees
What is a statement balance?
Points: Rewards on spending
What are puts and calls?
Does car insurance cover a stolen car?
Why businesses in health care are worth exploring
When you’ll need your routing number
Securian Financial life insurance
Average inflation rate
How does invoice discounting work?
Most popular Medicare Supplement Insurance plan types in Florida
9 popular investment strategies
What kind of medical expenses are tax deductible?
How much money can you put in a Roth IRA?
Can I transfer a balance from a different account onto my Apple Card ?
How does home equity work?
You’re flexible with hotel brands
Book an award trip on JetBlue
50 best small businesses to start
Who are the biggest iBuyers?
How to find your credit card closing date
What is a credit score?
Do you pay taxes on stocks you don't sell?
Surgical procedures that pet insurance typically covers
The best life insurance for seniors in April 2024
How much do Instagram influencers make?
How to use the car affordability calculator
1. Know your retirement needs
1. Determine if you need to file taxes
Examples of financial goals
How does a 401(k) work?
Start with your student loan servicer
How do I know if I have Perkins loans?
Your credit score could drop if your bank account isn't in good standing
1. "Your Social Security number is suspended."
9 crypto stocks to consider
Maximum debt-to-income ratio to buy a house
Does Southwest charge to change flights?
Investing in Bitcoin
The best term life insurance companies in April 2024
1. Is it a good deal?
Cash bonuses on cards with no annual fee
How much is car insurance for college students?
How to track your refund status with ‘Where's My Refund?’
Types of workers’ compensation insurance in states
Can you pay student loans with a personal loan?
Qualify with average credit
Meme coin mayhem
How minimum payments are calculated
What is a net price calculator?
2. They have fewer people inside
What is critical illness insurance?
Current Treasury rates
What does a certified financial planner do?
What are China ETFs?
Table of Contents
Steps to selecting seats on planes
How much does accounts receivable factoring cost?
Why would you withdraw from the interview process?
Three reasons your credit card could change
Apply for TSA PreCheck
Overview of Disney’s Genie+
6 best semiconductor ETFs by one-year performance
Options for an old 401(k)
Best Medicare Part D plans
MIB's information codes
Average condo insurance cost by state
When can you retire?
The cost equation: Will Medicare save you money?
Traditional IRA contribution rules
Traditional IRA
What is IRS Free File?
Roth IRA income limits
What's the difference between a HELOC and a home equity loan?
Shut down correctly
Pool loan calculation examples
How does Shopify work?
How is PMI calculated?
Why you should get preapproved for an auto loan
Who can stay at IHG Army Hotels?
How to buy a house with cash
How to lower your credit utilization
Who can set up a Robinhood IRA?
Front-end and back-end DTI
2. Find a coupon database or a browser extension
How much is car insurance?
Why mortgage rates change every day
20 high-dividend stocks
What happened to gas prices in March?
Bonus tax rate
What does a financial coach do?
Does closing a credit card hurt your credit?
Why your car down payment amount matters
The market outlook for home buyers
Credit card perks
How does a home equity loan work?
Where can I get a cashier’s check?
What’s the purpose of a budget?
The cards, side by side
The best metal credit cards
Why you need a savings account
Student loan forgiveness programs
What does the value of Hilton points mean?
Compare car insurance rates by age
Ways to earn money as a younger kid
The perils of yo-yo financing
Top credit cards you can use instantly after approval
How long violations affect your car insurance rates
5 steps t o get preapproved for a home loan
Increasing vs. decreasing term life insurance
How do funds work?
How does OASDI tax work?
Primerica life insurance
USAA life insurance
What happened at the MOHELA Senate hearing
What is the average American net worth?
2. Install a browser extension
How much are SBA guarantee fees?
The details
The benefits of gifting stocks
Wells Fargo Rewards: The basics
How can you access your cash advance limit?
Long-term investment examples
2. Consider an IRS payment plan
What are the 2024 IRMAA brackets?
Terminal 1: Hawaiian Airlines lounges
Strategies to expand your business
22 popular tax deductions and tax breaks
Northwestern Mutual life insurance
What is the 50/30/20 rule?
Nationwide pet insurance
ASPCA: Best pet insurance for broad coverage
Who can get Global Entry?
Cheapest term life insurance companies for April 2024
Credit card issuers won’t allow debt transfer among their own products
Best for size of network: UnitedHealthcare
What are the pros and cons of money market accounts?
How to place an Equifax credit freeze
Roth IRA pros and cons
How Pay Over Time works
What to do if you’ve been laid off from work
2. DoubleTree by Hilton Hotel Orlando at SeaWorld (Hilton Honors)
Early withdrawals of Roth IRA contributions
Do I have to pay Arizona state income tax?
Types of USDA loans
How much are closing costs?
The average stock market return isn't always average
Costco membership price
Examples of personal finance in everyday life
Why does Bitcoin need proof of work?
Know your credit score
State Farm life insurance
Electric vs. gas car costs
How long does underwriting take?
Who files a Schedule C tax form?
Unlimited employee cards at no additional cost
Factors that could affect the size of your bill or tip
Credit bureau self-service websites
How is the Expected Family Contribution calculated?
How many elite night credits do I need to earn status?
What you can dispute
Annual $100 LoungeBuddy credit
How to set up an Apple AirTag tracker
Ways to avoid seat selection fees
Types of business entities: An overview
When to pick the JetBlue Card
Who needs to get an EIN?
Nationwide life insurance
New York state income tax rates
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
How are dividends taxed?
Best wallets for security: cold wallets
Median income by state: 2022
Differences between an LLC and a corporation
Prudential life insurance
ARMs vs. fixed-rate mortgages
Understanding your required coverages
Length of the trip
Are these the best stocks to buy now?
1. There are two versions of the card
Lufthansa economy vs. Economy Light fares
What is a life insurance policy?
What is a mature CD’s grace period?
How Capital One 360 compares to online banks
Accidental death benefit riders: The fine print
529 plan rules
2. Negotiate your rate
2. Qantas points can be redeemed on many different airlines
Do you have to tip a hairdresser?
Personal loans from online lenders
Wire transfer fees by financial institution
Compare Roth 401(k) vs. traditional 401(k)
What reasons can you withdraw from your 401(k) early?
Google Sheets budget templates
Types of Square payment methods
First Boulevard: For Black Americans
How to fill out a W-4
Work out how much of your income should go to rent with the 50/30/20 rule
What travel insurance plans does USAA offer?
Do you need to put 20% down on a house?
Gather key information about your current loan
Cheap car insurance
YNAB, for hands-on zero-based budgeting
How to calculate your home equity
How much is the child tax credit worth?
Contact your credit card company
Pros of refinancing back to a 30-year loan
What are the pros and cons of second chance checking?
How the home sale tax exemption works
2. Pay at least double the minimums
The best home insurance companies of 2024
The catch to tax credits
Frontier Miles, Frontier’s loyalty program
2. ABLE accounts
How to approach October sales
MassMutual life insurance
What should my monthly grocery budget be?
How we ranked the top life insurers
Best car insurance in New Jersey overall: Travelers
When is the 2024 tax extension deadline?
Best affordable homeowners insurance in Georgia: Auto-Owners
What are dividend stocks and why buy them?
Why this matters
When do you pay the deductible for homeowners insurance?
Aflac life insurance
Isn’t offering credit to undocumented immigrants illegal?
Best affordable homeowners insurance in Texas: State Farm
Get the Best HELOC Rate
Lottery tax calculator
Ethos life insurance
At a glance
Where Erie stands out
What to know before getting a joint credit card account
Bank advantages
2. Categorize your expenses
Advantages and disadvantages of reverse mortgages
2. Buy a season pass
Bank wire transfer
Treat it like a debit card
Caps may not always hold down assessed values
Who is eligible for VGLI?
1. Capital One would be a formidable credit cards competitor
7 best gold stocks by one-year performance
Bad credit mortgage refinance options
3. Wait to book for last-minute deals
529 plan benefits
What is required to be approved for a HELOC or home equity loan?
3. Pawn something
Buying Bitcoin with PayPal
How we selected the best car-buying apps
Researching cars for sale by private sellers
What to expect at Cedar Point
How whole life insurance works as an investment
NerdWallet's car insurance estimator
2. Maui Wowi Hawaiian Coffees and Smoothies
Lemonade life insurance
What are long-term financial goals?
How to convert Aeroplan points to dollars
Citi Simplicity® Card
Who should get a cash-out refinance?
1. Request a balance transfer
When can you no longer contribute to a Roth IRA?
What does the Schumer box tell you?
TurboTax vs. H&R Block: Cost
What happens when you decline an approved car loan?
Is another Treasury bond crash imminent?
Why get the IHG One Rewards Premier Credit Card ?
Equity funds
How to find the penalty APR for your card
How to make a home budget
Range of tickets prices offered
Don’t skip health insurance
Best-performing REIT mutual funds: April 2024
Pros and cons of family and friends business loans
Rapid appreciation can't continue forever
Where Auto-Owners stands out
Where Country Financial stands out
Best home-based franchise business options
Do I have to select a seat on Spirit Airlines?
How does contractor financing work?
Best for Marriott elites: Sheraton Gateway Los Angeles Hotel
Factors we considered when picking cheap travel insurance plans
Roth IRA income limits 2024
Calculator: Convert Flying Blue miles to a dollar value
2. Will I need a credit history to qualify?
1. You’ll earn bonus rewards on more than just Nissan purchases
What happens if you don't make satisfactory academic progress?
2. Diversify products and income streams
Types of single-stock ETFs
3. They have what other stores don’t
What to know about Medicare in Arizona
2. It’s inexpensive to carry
How to choose the best crypto wallet
2. Scour your budget for ways to save
How much is the VA funding fee?
Where Chubb stands out
Making estimated tax payments
Who needs plumbing insurance?
What are the four stages for the Medicare donut hole?
What bodily injury liability covers
What is Colorado’s standard deduction?
Who pays FL sales tax?
1. Its introductory offers are average
Has the account adjustment started?
Terminal A: United Club, Delta SkyClub and Admirals Club
2. The 2% cash-back rate comes with certain conditions
How to calculate your credit utilization ratio
How much is PMI?
How to write a late payment removal letter
How to file for student loan bankruptcy
United MileagePlus Miles value over time
When are estimated taxes due?
What is a business line of credit?
1. Brigit: Best for budgeting tools
What happens if your host doesn't show up?
Best affordable homeowners insurance in Nebraska: American Family
Cheap(er) cell phone plans from Verizon, T-Mobile and AT&T
What is the cheapest car insurance in California?
Frugal shopping tips
Why is pay transparency important?
Best car insurance in California overall: Travelers
Best car insurance in Massachusetts overall: Travelers
Best place to exchange currency: Your bank or credit union
How SAVE differs from other student loan repayment plans
Grace period
Bluebird Card Cons
Which one is important to know for savings accounts?
The U.S. government won't be involved
2. Your financial advisor doesn’t listen to you
How can I get a cashier’s check?
What you need to know about savings accounts
Why invest in index funds?
How much does a Crunch Signature membership cost?
Bluebird by American Express
Take advantage of the triple tax benefit
Learn more about life insurance for families
Today’s HELOC rates
RPT Realty (RPT)
3. Do I qualify for any down payment assistance programs?
How to compare lender fees and rates
2. Consider your online options
Best-performing growth stocks
Best AI ETFs by one-year performance
2. You may need an offer by mail to apply
What is Sweet v. Cardona?
Top Hyatt beach resorts
How much money do I need to buy a house?
2. Become a virtual assistant
How life insurance rates are determined
How state income tax rates work
Refinance to a longer term
2. Marriott
2. You can pick your in-flight menu
2. Cash management accounts
3. Take a holistic view
State minimum wages in 2024
What kind of car loan can I get after a bankruptcy?
What fees will I pay?
Types of bonds
2. Confirm the check amount is within mobile deposit limits
Median 401(k) balance by age
The largest banks in the U.S.
Custom furniture: Varies
When are federal student loans due?
How to evaluate credit card APRs
How much do you tip at a restaurant?
How we found the best auto insurance
CD rate trends 2024: Higher short-term CDs
5 tax relief options
BEST STORE CARDS
2. A security deposit makes a credit card easier to get
Financial advisor fees by service
How voluntary repossession affects your credit and finances
How to calculate the inflation rate
Savings bond calculator
Other rules for the medical expense deduction
2. Rakuten Cash Back Button
Best day to fly
What is the cheapest car insurance in Texas?
Median retirement savings balance by age
How umbrella insurance works
Earning Chase Ultimate Rewards points
How do real estate agents get paid?
Reduce the cost of activities
Best affordable homeowners insurance in Missouri: State Farm
Working with an iBuyer
Billing error
How many Instagram followers do you need to make money?
The mortgage underwriting process
Avoid bounced checks with overdraft protection
Fees and taxes
Leave 30% of your income for wants
2. "Your benefits are suspended."
How extra student loan payments work
Top 7 Chinese stocks by one-year performance
Best affordable homeowners insurance in Florida: Nationwide
Freezing your Experian credit report online
How to choose an entertainment business idea
Delta premium economy menu
Best affordable homeowners insurance in Montana: Nationwide
How to read an earnings report
Using miles to book Turkish economy class
6 TSA PreCheck credit cards from Chase
Where can I find a net price calculator?
What is the dividend tax rate?
Can I pay off my car loan with a credit card?
2. How does a mortgage broker get paid?
Check your number online
More details about Discover Bank CDs
How much is the Mega Millions jackpot?
How much does annually renewable life insurance cost?
How long do pending credit card transactions take to clear?
How to transfer a 401(k) to IRA
APR comparison
If your employer has 20 or more employees
Who benefits the most from credit-builder loans?
How to start a vending machine business: A step-by-step guide
How do you renew a passport?
How to open a backdoor Roth IRA
How do commercial loans work?
How Schedule A works
Roth IRA withdrawal rules
Earning Choice Privileges points
2. Earning rewards through the membership program will cost you
Strategy 1: CD ladder
Understanding your pool loan calculator results
What are some alternatives to a cash advance?
What is the difference between TSA PreCheck and Global Entry?
Start your family budget with estimates
Renting could help you age more safely and serenely
How is the Fear and Greed Index used?
Forgive student loan debt
Which services will report your rent payments?
Different types of life insurance
Which is best for you?
Best credit union personal loans for 2024
Information you need to freeze your credit
If you're struggling to make student loan payments
What is a gig worker?
How to book a first class ticket with Singapore Airlines
Who can use Affirm?
Student loan refinancing calculator
2. Get free overseas data using T-Mobile and Sprint
Personalized versus average interest rates
Who is GoodRx best for?
Which small businesses qualify for the QSBS exemption?
What is a mega backdoor Roth?
Biden's student loan forgiveness 'plan B' would be more targeted
Options if you’ve already defaulted
1. Your credit score
How LLCs pay income taxes
3. Certificates of deposit
2. You won't compete as much for coveted reservations
General travel credit cards
Home equity loans and HELOCs vs. cash-out refinances: Understanding your options
Are auto loan interest rates rising?
QuickBooks Self-Employed pricing
MOHELA administrative forbearance
How FICA tax works
Buying new life insurance
Why do people invest in cryptocurrencies?
How to choose a brokerage account provider
How investment and brokerage fees affect returns
Pricing transparency
Air Canada seat selection fees
What’s next
Chase Sapphire Preferred® Card
Not all violations affect insurance rates
Food and drink at the Plumeria Lounge
Medicare covers Ozempic for Type 2 diabetes
Alternatives to increasing term life insurance
2. Shop for a loan
Marriott points calculator
How does debt consolidation affect credit?
USAA life insurance policies
How do JetBlue TrueBlue points compare to other airlines?
4 steps to spot a fake check and avoid trouble
Holiday weekends
What MOHELA does for student loan borrowers
Where does Allegiant fly?
Borrow a car for your driving test
Bank disadvantages
How do Vanguard index funds work?
2. Search for scholarships
How do reverse mortgages work?
2. Consider "buying the dip"
Popular credit cards with travel insurance
3. Apply for an offer in compromise
State availability
Our take on the end of credit card rewards
Discovered excess IRA contributions after filing taxes? Do this
Differences between TSA PreCheck and Global Entry
T-bill purchase example
How would points get factored into a couple’s total assets?
What is the NIIT tax rate?
Is there a federal inheritance tax?
How do I fund my Venmo account?
4. Don’t assume an interior stateroom is the best deal
2. You'll get some solid perks
3. Get there early (like, really early)
Why the CFPB opted to make changes
2. Redemption options are varied
Loans are funded fast
How the annual gift tax exclusion works
What is non-recourse factoring?
How to find your routing number
Securian Financial life insurance policies
Credit references for utilities
Are there free or discounted Costco memberships?
Best car insurance in Texas overall: Travelers
Alternative minimum tax rates 2023
You’re ready to go mobile
Jumbo loan requirements
Where to stash your emergency fund
How to earn points
Surgical procedures that pet insurance typically won’t cover
2. Consider the pros and cons of a retirement account
Transaction fees
How to close your bank account so your credit isn't affected
Selling stuff
Best-performing REIT ETFs: April 2024
Booking Preferred Hotels & Resorts with Choice points
Benefits of credit cycling
Can you charge your customers a convenience fee?
How to manually calculate how much life insurance you need
No annual fee
Etymology of bullish vs. bearish
Nationwide life insurance policies
4. They do more online
Paying early could help your credit
3. Jumbo CD: The big box
How critical illness insurance fits into a financial plan
U.S. Treasury bonds
Types of startup business funding
7 best stocks to buy now, according to analysts
What is the SALT deduction?
Taking advantage of the card's perks
How new accounts affect your score
'Good' option: Airline tickets
How to invest money
Types of semiconductor ETFs
Best for low premiums: Wellcare Medicare Part D
You're in a pricey area
Rules for refinancing conventional loans
American Express Membership Rewards: The basics
5 steps for retirement planning
How to set up automatic credit card payments
Am I stuck with Aidvantage until my loans are paid off?
First: Add up all the costs of refinancing
Who is eligible for Free File?
2. Your 0% APR deal could be canceled
3. Look for last-minute deals
How much does Apple TV+ cost when bundling with Apple One?
What's the difference between a HELOC and a cash-out refinance?
What to know about FDIC insurance
How to cash a large check without a bank account
Other types of car insurance coverage worth having in Mexico
Is it the same as a currency conversion fee?
Can you live off ETF dividends?
More details about Chase CDs
Current car loan information you will need
Head of household
What is the 10-year treasury yield today?
How to set up a crypto wallet
Investing for income: Dividend stocks vs. dividend funds
Solar tax credit 2024
Gender-affirming care and life insurance
How are bonuses taxed?
Which transactions are blocked?
What is a government shutdown?
How the Booking.com price match works
How many credit cards should I have?
What’s behind the pre-qualification calculation?
How to get auto insurance before buying a car
Mortgage rates peaked
Best car insurance in Michigan overall: Auto-Owners
Airlines that don't have lie-flat seats in business class on wide-body aircraft
Coinsurance and copays
What kind of investment is Ethereum?
Examples of three high-interest online savings accounts
How tax extensions work
Use out-the-door price when negotiating
How are business credit reports used?
Market cap segments
Preapproval is not the same as pre-qualification
CD rate trends
Payments under the graduated repayment plan for student loans
Best ways to redeem Choice points at hotels
FHA vs. conventional loans
What are the benefits of Amazon Prime?
Why offer credit to undocumented immigrants?
Primerica life insurance policies
How do lottery taxes work?
Advantages of using cash
How to calculate adjusted gross income
Average net worth by age
3. Ask for manufacturer coupons
2. ... But reward certificates expire quickly
Cerulean credit card
Where Erie falls short
How deferred compensation works
What it means to have FDIC insurance
WHEDA first-time home buyer programs
What costs are built into a monthly FHA mortgage payment?
2. Account frozen? Submit documentation
ESG ETFs: The cheapest ESG funds
4. Go paperless
Itemizing or taking the standard deduction
2. Don’t ignore local and regional insurers
How much available credit should I have?
How much does a cash advance cost?
Other financial aid pathways remain open
Northwestern Mutual life insurance policies
How are business credit scores calculated?

Step 2: Pre-qualify and compare offers

Overweight and oversized bag fee
3. Endorse the check
How to get Public Service Loan Forgiveness
Chime Secured Credit Builder Visa® Credit Card
Episode transcript
Why might a check take longer to clear?
4. Work today for fast cash today
Where to find auto sales listings
You could get a refund
Purchases that qualify
How do Hyatt points compare to other hotel programs?
Tour-stop cities feel the Swift effect
Other Rent Day perks
2. Two factors determine your Bitcoin tax rate
3. Holiday Inn Orlando-Disney Springs Area (IHG One Rewards)
Vandalism and theft of personal property
What a Delta Caribbean flight is like
Invoice discounting pros and cons
Top Medicare Supplement Insurance companies in Florida
How do you calculate closing costs on a house?
When is the best time to redeem Aeroplan points?
What kind of medical expenses are not tax deductible?
Push for emergency savings picks up steam
Missing the 'standard' cut
Can I transfer my Apple Card balance to a different credit card?
How far in advance can you book Disney hotels?
Which retailers offer check cashing?
Why your credit card closing date matters
Is personal liability insurance required for homeowners?
4 ways to invest in silver
How are stocks taxed?
State Farm life insurance policies
A short intro APR on purchases
Create a business plan
Who holds my Perkins loans?
Why companies perform reverse stock splits
How debt-to-income ratio is calculated
How to choose the best mutual funds for you
2. Do I have multiple deductibles?
Which Southwest fares can be refunded?
What you shouldn’t dispute
What to consider before asking family and friends for a business loan
Faintly good news on supply
Where Auto-Owners falls short
Where Country Financial falls short
The pros and cons of a life insurance trust
Tools you can use
How an exchange fund works
Mortgage payoff calculator help
Planning for repayment
How to make a SAP appeal
Medicare Advantage companies in Arizona
Prudential life insurance policies
2. The earning rate is decent but complicated
Is an ARM a good idea?
8 best hot wallets
How big an issue is it?
What's included in economy
Step 2: Choose your niche
Where Chubb falls short
Your 3 choices during the grace period
Where to get tax refund loans
Savings calculator
Types of Elite Member Benefit Guarantees
Information MIB doesn’t have
How to use a digital wallet
3. An Airbnb or hotel rental
Who needs to file a Schedule A tax form
Ways to get good value
What you'll need for your Global Entry renewal
U.S. fractional reserve banking today vs. the past
Average annual PMI premium
How the standard deduction works
How do United miles compare with other airlines?
Who is eligible for an IRS installment agreement?
Day trading strategies
How much is YouTube Music?
Business line of credit vs. loan: How to choose
2. Shop around online
Learn about more life insurers
Getting a student credit card in high school is difficult
3. Read the fine print
What type of bond do I need for a cleaning service business?
Employment gap
2. There are Chase Sapphire lounges in Hong Kong, Boston and New York, with more to come
Why are gas prices going up?
How to invest in gold ETFs
3. Transfer your balance to a lower-interest card
Example of the difference between APY and interest rate
Best homeowners insurance companies: Pros and cons
A big decision about tax deductions
Short resignation letter example
2. The annual fee
Why is budgeting important?
Why the MyLowe’s Rewards Credit Card wins
Buyers would set their agents' pay
MassMutual life insurance policies
The seller's right to cancel
Spousal IRA rules
Where to look for information
Aflac life insurance policies
4. What is my interest rate?
Different kinds of bags on Frontier
Calculating net worth: What are assets and liabilities?
Types of funds
How does OASDI tax work if I’m self-employed?
3. Get ready to pay some fees
Other alternatives to Mint
3. Transcribe audio and video
Ethos life insurance policies
How Plaid works
Does raising the minimum wage cause inflation?
Discretionary income explained
Terminal 2: Admirals Club, Delta Sky Club, United Club and more
VA home loan eligibility
Keep your balance low
Tax rules can lock owners in place
Our take on canceling luxury credit cards
Net investment income tax and capital gains tax
Rules for debt transfers by issuer
1. Chase: $2.61 trillion
Building foundations
Outdoor furniture: Summer, fall
5. Book shore excursions from outside vendors
How do I find the best 529 plans?
Mailchimp: Best email marketing software
How to build a CD ladder
How much do you tip for other services?
7 top virtual reality stocks by one-year performance
Early withdrawals of Roth IRA earnings
Lemonade life insurance policies
The gray area
Am I a resident for Arizona state income tax purposes?
5-year, 10-year, 20-year and 30-year S&P 500 returns
Make frequent payments
Medicare Supplement Plan F pros and cons
What is the difference between Costco memberships?
Fees you can challenge
Budget is your top priority
Strategies to get around Delta's devaluations
What to do after you get a speeding ticket in California
Best life insurance for seniors in April 2024
How to monetize your Instagram with fewer followers
How to determine how much car you can afford
What is on a Schedule C form?
Reasons to consider removing an authorized user
10 questions to ask financial advisors
How to take advantage of the sales tax deduction
Information you’ll need
3. "You can pay to increase your benefits."
Why does your EFC matter?
Consulting or freelancing
How to establish domicile
14 entertainment business ideas
Does the payment network matter?
Sole proprietorship
An overview of the best cheap travel insurance plans
How flexible are Flying Blue miles?
The best airline of 2024
3. The card earns cash back
Hurricane prep for your home
How to invest in China ETFs
What to consider when opening CDs
How does accounts receivable factoring work?
Apply for Global Entry
Do I have to pay Georgia state income tax?
Learn more about life insurance riders
Bodily injury insurance coverage limits
Do I have to pay Colorado state income tax?
Understand how much data your apps use
What can credit repair services do?
What items are subject to Florida sales tax?
Are there exceptions to the 15%-20% rule?
Care for yourself
Built-in limitations
3. The card offers a 0% introductory balance transfer APR
How does FIRE work?
PMI calculator help
NerdWallet’s budget planner
How much rent can you afford?
For people with Medicare
Minimum down payment requirements
What to know about working in the gig economy
What are IHG Army Hotels like?
What kind of accounts and investments are available?
Average bank personal loan rates
What do pay transparency laws require?
How does the solar tax credit work?
Cons of refinancing back to a 30-year loan
Picking a second chance checking account
What are the shareholder requirements for QSBS?
When will the government shut down?
Overview of prepaid debit cards
The apps are coming, but are they necessary?
Other factors to consider
2. Rebalance your debts and income
How to use average car interest rates
Savings accounts with strong APYs can help your money grow
Why is a business budget important?
Best life insurance companies: Pros and cons
Prepare for long-term care
Has crypto crashed before?
Learn more about term life insurance
A backup plan for those without emergency savings
3. Call your company
Types of AI ETFs
How we got here
Best hotel for family travel: Hampton by Hilton
What if I didn't make the 2024 tax deadline?
The top 7 dividend aristocrats list
Tax credits for people married filing jointly
Apply for mortgage forbearance
What you need to do
How to open the Apple high-yield savings account
3. Build a budget that works for your expenses
Search for one-way flights
3. Ask about discounts
How to recertify your information
Historical national rates
Pets Best pet insurance plans
Certificates of deposit
VA cash-out refinance loan
How much does it cost to get a bachelor’s degree at a community college?
AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
Types of gold stocks
Average 401(k) contribution rates
Federal seller's disclosure requirement
When to choose a money market account over a savings account
4. Bring your own food and drinks
Buying a new policy during high inflation
Cards to consider despite their balance transfer fees
Current CD rates: high-yield and national averages by term
What is a current balance?
How to cancel a Delta flight
How to estimate car insurance costs
18 health care business ideas to consider
Operational reliability
About withholding
Qualifying for a USDA-guaranteed mortgage
3. The Camelizer
How we chose the cheapest companies in Texas
What does liability-only car insurance cost?
13 fundamentals of personal finance
What are the Roth IRA rules for withdrawals?
2. Make a larger down payment
Why financial goals matter
Commit 20% to savings and debt repayment
Biden and Congress eye junk fees
Beware high-cost loans
What do financial pros say about Bitcoin?
Priority Pass vs. LoungeBuddy
When to use contract financing
2. Do you pay your existing balances in full and on time?
When will I get my 2024 tax refund?
Path to a higher credit limit
3. Does the issuer report payments to all three credit bureaus?
2. Non-Nissan redemption is relatively unprofitable
3. Cut back on expenses with automation and negotiation
What are qualified dividends?
Pros and cons of a lady bird deed
Multi-day park admission deals
U.S. Treasury notes
How to gain CFP certification
3. Automate and maximize savings
2. Big spenders earn rewards at higher rates
Readers also ask:
Genie+ cost
Filing your tax return at tax time
How to buy semiconductor ETFs
How to determine your closing costs
Traditional IRA income limits
Does Apple TV+ allow password sharing?
3. Award charts will help you plan your travel
Types of commercial loans
3. Online or AFK, it’s only accepted at GameStop
How much does it cost to build a pool?
Types of tax transcripts
Why you should apply for Global Entry first
Renting could help you tap more equity
Term life insurance
Use a credit utilization calculator
Goodwill letter template
USAA travel insurance cost
See CD rates by bank
Estimated tax payments 2024
About home equity loans
Calculate your DTI
2. … But redemptions are limited
Requirements: Who qualifies for the child tax credit?
Four ways to tap life insurance cash value
Negotiate a lower credit card APR
How we chose the cheapest companies in California
Net price calculators
How to get car insurance quotes
Another money-change option: online currency converters
Who qualifies for the home sales tax exclusion?
What if you can't find your card?
How do I find a financial coach?
Mega backdoor Roth 2024
Security and liability
How to set up bill pay
Should I choose a home equity loan or a HELOC?
4. Custodial brokerage account
3. You won't see as many offseason closures
Steps to getting a refund from Frontier Airlines
What is withholding tax?
What is an index?
Best car insurance for seniors: star rating
Overall cost
What is a Bitcoin strategy ETF?
Dividend vs. growth stocks
CD rate forecast: 2024
Acadia Realty Trust (AKR)
Can you negotiate mortgage origination fees?
How do Marriott Bonvoy points compare to other hotel programs?
Primerica customer complaints and satisfaction
How to find growth stocks
Who gets Sweet v. Cardona relief — and when
4. Search a coupon database or app
What mortgage can I afford?
2. You won't want to carry a balance
When are state income tax returns due?
Basic stock chart terms to know
Rent a car from a driver training school
3. Ask your bank for relief
3. You’ll enjoy comfort amenities on international flights
Oil life monitoring systems
3. High-yield money market accounts (MMAs)
Credit union vs. bank: What to consider when choosing
Are Vanguard index funds a good investment?
3. Choose an affordable school
Two kinds of reverse mortgages
5. Automate your accounts to meet your goals
Pros and cons of VGLI
Common reasons for excess IRA contributions
Nationwide pet insurance plans
Inheritance taxes vs. estate taxes
What are Venmo's fees?
6. Book spa treatments while at port
3. Those rewards can be used only within the brand
5. Seek community loans and assistance
What did the payment pause do?
What to expect from credit cards with low APRs
How easy is it to earn Hyatt points?
3. You can get a small sign-up bonus
4. Holiday Inn Resort Orlando Suites - Waterpark (IHG One Rewards)
When is whole life insurance worth it?
3. Your first credit card can build your credit — or ruin it
3. Dunkin’ (Previously Dunkin’ Donuts)
Credit references for borrowers
How to claim the medical expense deduction
2. Wait for the transfer to go through
Alternative minimum tax rates 2024
How to calculate APY
Who pays the real estate commission?
How far out can you book Disney dining reservations?
Is REPAYE right for you?
3. Evaluate your retirement account options
2. Take note of tax deadlines and dates
Transfer Bitcoin
Travel benefits
What are my Perkins repayment and relief options?
Pros and cons of buying Chinese stocks
How do REITs work?
Spirit Airlines seat types
Benefits of exchange funds
Should you use a personal loan to pay off student loans or refinance?
Can I contribute to a Roth IRA if my income is too high?
AvantCard Credit Card
How do you use a net price calculator?
The pandemic has fueled entrepreneurship
4. No-penalty CD: The box with a breakable lock
Top-rated Medicare Advantage plans in Arizona
The cost of critical illness insurance
Size of group
Is annual renewable term life right for you?
What types of insurance do plumbers need?
You can't live there safely anymore
Rules for refinancing FHA loans
Use a budget planner
How to get your MIB report
How much is condo insurance in your city?
International roaming: prepaid
4. Explore alternative accommodations
When does a cash advance make sense?
Additional considerations for cashing a check
Streamline existing forgiveness programs
Brief history of reserve requirements: 1863 to 2023
Foreign transaction fees by bank or credit union
Find the best life insurers
How your credit score affects your rate
Best California auto insurance for your budget: Auto Club of SoCal
Best budget auto insurance in Massachusetts: Geico
Who is affected by a government shutdown?
Average daily balance
How to deal with a suspended credit card
4. Look into consolidating
APY to interest rate calculator
3. Your financial situation is changing, but the advice isn't
How do you start a budget?
How much is new car insurance?
Negotiations would be more complex
Out-of-pocket limits
QuickBooks Desktop pricing
Administrative forbearance for other student loan servicers
Best car insurance in New Jersey for your budget: Geico
Amazon Rewards Visa Signature Card
Are brokerage fees tax-deductible?
Where do you get your business credit report?
The loans don't feel real
Take control of your driving record to save
How to downgrade your American Express card
What are AI stocks?
3. Determine other ownership costs
4. Contact the IRS
Best American Airlines Sweet Spots
How has the JetBlue points value changed over time?
4. Sell stuff online
3. It has no annual fee and no spending caps
How are SBA guarantee fees calculated?
3. Buy a two-day pass
How can you change your cash advance limit?
Do all workers earn at least the minimum wage?
What can I do to ensure I get the best auto loan after a bankruptcy?
3. Remember why you chose your investments
How do I use Apple Daily Cash?
2. Capital One hopes to expand its digital banking reach
So what’s the holdup?
General furniture-buying tips
Top car-buying apps
Good balance transfer cards
Best car insurance companies: Our winners
How much is flood insurance in Florida?
Key differences between term life and whole life
3. The IRS has the paperwork you’ll need
How to prevent car theft
How to avoid voluntary repossession
Lemonade life insurance rates
Medicare Supplement Insurance prices in Florida
How flexible are Aeroplan points?
What Medigap Plan F covers
Best Texas car insurance for your budget: State Farm
What does umbrella insurance cover?
How much are Chase Ultimate Rewards® points worth?
You’re OK with only redeeming for hotel stays
What is the fastest way to cash a check?
How to redeem points
How to fill out Schedule C
What is a business credit card?
Register your business
When you need to contact all bureaus vs. just one
How penalty APRs work
Filling community needs
2. Today vs. tomorrow
3. What isn’t covered?
How to go to the Maldives for cheap
What it means for buyers and sellers
What’s going on with layoffs in tech?
What you’ll need to qualify
What to expect in Turkish Airlines economy class
Be ok with baby steps
Reliable but cheap travel insurance providers
How did we determine our Flying Blue miles value?
Nationwide life insurance rates
Single-stock ETF strategy
Median income by city: 2021
How to find the best stocks to buy now
When is the next Mega Millions drawing?
Mortgage insurance vs. homeowners insurance
How do I request relief?
How much Genie+ costs
What to watch out for
How does the IRS Free File program work?
Who is exempt from Florida sales tax?
Is a HELOC a good idea?
How to protect your deposits
Do I have to do anything?
4. You can redeem your cash back a couple of ways
How to avoid foreign transaction fees
Get a secured credit card
How to invest in dividend ETFs
Cheese: For Asian Americans
When is the best time to use United miles?
Reasons to buy a house with cash
Where to get a business loan or line of credit
3. Comparison shop between brands (the discount ones aren't always cheapest)
2. Empower: Best for fast cash
What is a hardship loan?
How to calculate debt-to-income ratio for a mortgage
4. Learn your store’s coupon policy
How much does cleaning business insurance cost?
Frugal entertainment tips
Is the solar tax credit refundable?
When should I close my credit card?
How much does a cashier’s check cost?
Potential issues with having multiple credit cards
Other student loan forgiveness programs
Combining life insurance with long-term care
Best homeowners insurance in Georgia for coverage: Openly
I’m worried about keeping my crypto with an exchange. What should I do?
How to open a spousal IRA
How far in advance should I get preapproved for a mortgage?
How to switch to the graduated repayment plan
Where do lottery prizes come from?
OASDI limit 2023
How to buy AI ETFs
4. Neither card offers perks
How to calculate your net worth
5. Visit retailer websites and apps
Benefits for veterans
How can I lower my FHA mortgage payment?
6. Streamline your bank accounts
2. Consider debt consolidation
4. Ask for a 'currently not collectible' status
How to apply for a VA home loan
Do personal credit scores affect business credit scores?
Keep accounts open
Change and cancellation fees
4. Open the mobile deposit function in your bank app
Treasury bill rates compared to other Treasury securities
Can you divide the points into separate accounts?
What counts as net investment income (NII)?
What to consider if you’re transferring loan debt
Best for extra perks: Aetna
State seller's disclosure laws differ
7. Only buy Wi-Fi if you absolutely need it
529 plans by state
6. Ask for forbearance on bills
Your credit score could dip slightly
Reassess your coverage regularly
2. Decide how much to invest
Best travel insurance overall: Berkshire Hathaway Travel Protection
How long will your mortgage loan last?
Pros and cons of virtual reality stocks
Alternatives to invoice discounting
Don’t expect an emergency savings plan at open enrollment
Retirement savings by age
Proof-of-work and mining
TurboTax vs. H&R Block: Features and ease of use
Decide what type of account you want: checking vs. savings
What does personal liability insurance cover?
Common pet surgical procedures
When to use a credit card
What causes a bad credit score?
How to prepare for a bond crash
5 ways to make money on Instagram
3% foreign transaction fee
Find nonprofit student loan assistance
How to reduce your dog grooming bill
4. "You owe money that has to be paid immediately."
When you can change your Southwest flights
Best term life insurance policies for 2024
What is a reasonable convenience fee?
Using Apple AirTags for luggage
Basic EPS vs. diluted EPS vs. adjusted EPS
Should you stay on a parent or guardian’s policy?
2024 tax refund schedule
When to pick the JetBlue Plus Card
How to pay off a mortgage early
4 more ways to estimate how much life insurance you need
No foreign transaction fees
How to apply for an employer identification number
4. The app provides helpful tools
Sheltering in place safely
U.S. Treasury bills
3. What makes mortgage brokers different from loan officers?
Full Review
About Discover Bank
The bottom line
Step 3: Write a business plan
Chubb home insurance coverage
How to buy a life insurance policy
How long you have the loan matters
If your employer has fewer than 20 employees
Am I a resident for Colorado income tax purposes?
4. Parks and beaches
Backdoor Roth IRA rules
What do you tip if you’re unhappy with the result?
What items can be deducted on Schedule A?
4. It doesn’t have an annual fee, ideal for your XP
Coping with rent increases and other uncertainties
Limitations of the Fear and Greed Index
Goodwill letter vs. credit dispute letter
How to set up a payment plan with the IRS
California income tax deadlines and extensions
Is YouTube Premium worth it?
Who should make estimated quarterly tax payments?
Where can you use Affirm to pay for travel?
Cheap cell phone plans from brands owned by the big three
Will I qualify for student loan refinancing?
How to claim the child tax credit
3. Buy a local SIM card in your destination
Price vs. yield
Comparing stocks and bonds
Which states have pay transparency laws?
New job out of school
How much does a financial coach cost?
Higher Education Act justifies plan B
What’s the difference between pre-qualification and preapproval?
How to meet your monthly savings goal
5. High-yield savings account
Best budget auto insurance in Michigan: Geico
How a savings account works: withdrawal limits
Does cost of attendance affect student loans?
Other payroll tax items you may hear about
Why is Bitcoin still popular?
How to file a tax extension
Investment fee calculator
Card readers and apps
Top 8 Bitcoin strategy ETFs by fee
How are dividends paid out?
What's the average homeowners insurance deductible?
FHA loan requirements
Do you include a 401(k) in a net worth calculation?
Consider a 'what-if' scenario
Ways to consolidate your debts
Where Primerica stands out
Should you buy growth stocks?
Do I have to pay state tax on lottery winnings?
Ethos life insurance rates
Am I stuck with MOHELA until my loans are paid off?
3. Cardholders enjoy a longer return period and exclusive offers
Try a simple budgeting plan
Fit credit card
Apply for loan modification
4. Monitor bank transactions online
1. Derogatory mark: Missed payments
Collect the right tax forms from your lender
How is discretionary income calculated?
Average interest checking account rate: 0.08%
What is the fee for Global Entry?
Stacking up wins
Potential drawbacks
5. Use mobile food ordering
How to convert Hyatt points to dollars
How to get medical bills off credit reports
Is a Southwest Airlines upgrade worth it?
How important is it to pay no balance transfer fee?
Cost of term life vs. whole life
Cons of refinancing your car loan
Credit references for employment
I bonds calculator
4. CouponCabin Sidekick
Set yourself up for next summer
You want to rack up points
Closing date vs. payment due date: What’s the difference?
3. Consider paying points
Regret or user error
Is a reverse stock split good or bad?
How to earn Marriott elite night credits
Apply extra student loan payments toward the principal
REITs' average return
Best homeowners insurance in Florida for coverage: State Farm
When dual residency might apply
Drawbacks of credit cycling
3. Do you stick to your budget?
How does a life insurance trust work?
Best homeowners insurance in Montana for coverage: State Farm
Learning how to avoid default
Investor responses to bull market vs. bear market cycles
4. Can I change my credit card after graduation?
New York state supplemental income tax
4. Prioritize authenticity
Best wallets for convenience: hot wallets
Prudential life insurance rates
Types of adjustable-rate mortgages
How much is the next Powerball jackpot?
Will I qualify for accounts receivable factoring?
Bad option: Merchandise
What’s the difference between a pending transaction and a hold?
Will interest continue to accrue during the program?
Best for member satisfaction: AARP/UnitedHealthcare Medicare Part D
Rules for refinancing VA loans
How to choose and manage a credit-builder loan
How much does credit repair cost?
Who collects Florida sales tax?
5. Pick a different neighborhood
4. Earn more with an AmEx credit card
Where to get a commercial loan
Efforts to combat hidden and junk fees
2. ... But ongoing rewards fall short
How to save money when applying
5. You'll get rental car insurance
Then get a baseline of your expenses
Personal loans from credit unions
Mexican rental car insurance
How to unfreeze your credit
The Federal Trade Commission’s budget worksheet
Standard deduction 2023
More about Chase
How to refinance a car loan with bad credit
Input new refinanced car loan information
Have a plan in case you get ghosted
Best homeowners insurance in Nebraska for coverage: State Farm
When you should lock your mortgage rate
What are the potential drawbacks of GoodRx?
Examples: How your loan term affects monthly payment and interest
Benefits of using the QSBS exemption
3. How to get into a Chase Sapphire lounge
Where to exchange currency outside the U.S.
Are bonuses taxed differently?
Will a suspended credit card impact your credit score?
5. Consider credit counseling
Rights in disputes
Dealing with the fallout and moving forward
4. Your financial advisor only calls to trade
Fourth-quarter inventory continued (slowly) recovering
How to create a business budget in 6 steps
How to find and interview real estate agents
Serve American Express Prepaid Debit Account
Don't sign a contract blindly
What are the risks of buying crypto?
Where does lottery revenue go?
What a good credit score can get you
What to ask your credit card issuer
Will Medicare pay for Ozempic for weight loss?
5. What is the annual percentage rate?
OASDI limit 2024
Best in Texas for having few consumer complaints: Chubb
Customer experience
What it means for your money
Who can open a joint business account
Where to find your AGI on your 1040
How flexible are JetBlue points?
5. Housesit
Types of state income tax
Dividend kings vs. aristocrats
Erie home insurance coverage
Benefits of deferred compensation
FDIC insurance: What’s covered
How to deposit funds into the Apple savings account
How much does it cost to buy Vanguard index fund shares?
4. Work on your credit
4. Bundle up
Carefully review your options
How to keep watch over your taxes
How to pay for a bachelor’s degree at a community college
What can I use a home equity loan for?
How do I receive money with Venmo?
How to choose a money market account
4. Big spenders can earn 'Icon' status
7. Request a payroll advance
How might the new late-fee limit affect consumers?
4. Plus, you can earn a bigger bonus if you spend enough
5. The Ritz-Carlton Orlando, Grande Lakes and JW Marriott Orlando, Grande Lakes (Marriott Bonvoy)
Pressure to overspend
4. You can see the rates and fees before applying
Factors that affect the cost of car insurance
Differences between recourse and non-recourse factoring
Securian Financial life insurance rates
4. The Coffee Bean and Tea Leaf
How to prioritize goals
What to expect the stock market to return
Cut expenses and increase income
Cheap car insurance in Texas by age
Redeeming Chase Ultimate Rewards points
How to calculate alternative minimum tax
Best homeowners insurance in Missouri for coverage: Openly
What are the credit score ranges?
Need more information?
Average mutual fund return
Savings account simple interest vs. compound interest
Hosting guests
Don’t stiff the IRS
Auto-Owners home insurance coverage
Country Financial renters insurance coverage
Things to know before booking American Airlines award tickets
When you hate your job but can’t quit
How to charge a convenience fee
How do I check my tax return status?
Calculate your reduced Roth IRA contribution
It's a more accurate predictor of cost
Paying early also cuts interest
5. IRA CD: A box within a box, both locked separately
4. Save raises and windfalls
What can patients do?
Taking advantage of tax deductions
What is my Georgia residency status for state income tax purposes?
When is Genie+ worth it?
Kathy Kristof
You want to be closer to family
Closing costs calculator
Average condo insurance cost by coverage amount
Adjust phone and app settings to save data
How to reach Aidvantage customer service
Can you fly with an expired passport?
How does the cost of Apple TV+ fit your budget?
Figure out what went wrong
How to open a bank account to cash a check
How do alliances work for miles and rewards?
Is per-card or overall utilization more important?
Where are IHG Army Hotels?
How to day trade stocks
Average credit union personal loan rates
Goodbudget, for hands-on envelope budgeting
How to get a hardship loan
How to choose a life insurance company in 2024
3. There's a modest but easy-to-snag sign-up bonus
Consider all your options first
Cheap car insurance in California by age
What state has the highest gas prices?
Rewards across the board: Ink Business Preferred® Credit Card
1. High-yield savings accounts
What’s next?
3. Don’t ask for too much cash
Airlines that offer lie-flat seats on smaller aircraft
MassMutual customer complaints and satisfaction
Why do I have to pay FICA tax?
Student loan cancellation programs
How do Hilton points compare to other hotel programs?
Best life insurance company overall: MassMutual
How much does a Crunch+ membership cost?
How to choose the best high-yield savings accounts
Pay yourself back later
Use out-the-door price when shopping online
What the flight is like
Blue Cash Preferred® Card from American Express
SITE Centers Corp. (SITC)
Aflac customer complaints and satisfaction
Other Frontier fees
4. Find the right car for you
The cost of debt without a balance transfer
How does Disney Park Hopper work?
Know when the HELOC draw period ends
Why is net worth important?
6. Check the Sunday newspaper
Where Plaid is used: Examples
2023 standard deduction married filing jointly
How do streaming services fit into your budget?
4. Peer-to-peer lending
ESG benefits
Am I eligible for a reverse mortgage?
Maintaining a healthy relationship with credit
4. Look at the necessities
5. Consult a specialist if you can
Northwestern Mutual customer complaints and satisfaction
3. Discover would remain its own brand
5. Take clear pictures of the check with your mobile device
How do you avoid the net investment income tax?
2. Bank of America: $2.34 trillion
Does Max cost the same as HBO Max did?
Start planning for repayment now
Gift tax limit 2023
Perks: Goodies that come with the card
The four options market participants and their incentives
When voluntary repossession makes sense
Bank of America routing numbers
Lemonade customer complaints and satisfaction
How we determined the value of Aeroplan points
Alternatives to a cash-out refinance
Local sales
Book an award trip on JetBlue using Cash + Points
State Farm life insurance rates
REPAYE vs. other income-driven plans
Average car insurance rates after a speeding ticket in California
How does surgery coverage work?
$0 annual fee
How to claim the sales tax deduction
Perkins loan forgiveness
Attractions and activities
Older adults are the biggest target
How to rebook your Southwest flight at a cheaper fare
Freezing your Experian credit report via postal mail
Alternatives to contractor financing
New sign-up bonuses
Best for Hyatt elites: Hyatt Regency Los Angeles International Airport
Choose your due date
Nationwide customer complaints and satisfaction
The best candidates for critical illness insurance
5. Beware of the interest rate
Video: Different types of Treasurys
4. Is a mortgage broker right for me?
Request your passport number from the State Department
3. Your rewards won't have nine lives
Exceptions to state minimum car insurance requirements
An alternative to chasing the best stocks
Will this void my 0% APR period?
How much does plumbing insurance cost?
Rules for refinancing USDA loans
How much are American Express Membership Rewards points worth?
Back up a faulty memory
Where to find credit-builder loans
Then: Figure out your monthly savings
5. In the street
3. Big balances can still hurt your credit scores
5. Carrying a balance can inflict damage over time
How to complete your Global Entry renewal
Even better: Avoid needing an advance
Search and availability
Cut or lower interest rates
It’s not only about taxes
Tips for avoiding late payments
Should you consider bankruptcy?
How do I avoid foreign transaction fees on my debit card?
What special features does the Robinhood IRA have?
About home equity lines of credit
How much is car insurance in my state?
Where can you get cleaning business insurance?
National second chance banking
When was the last government shutdown?
What’s the difference between a financial advisor and a financial coach?
Immediate resignation letter example
How to get a home equity loan
How to submit a claim for a price match
4. Weather is generally pretty good
What it means for buyers and sellers this spring
Is Medigap worth the cost?
Sweet v. Cardona administrative forbearance
Frontier Airlines flight credits
How much do index funds cost?
Best car insurance for seniors: budget pick
How to plan your garage door installation
Point-of-sale hardware
Take advantage of today’s CD rates
Should you refinance student loans?
Net worth calculator
Is the OASDI tax mandatory?
Where Primerica falls short
USAA life insurance rates
Disadvantages of paying off your car loan early
Ethos customer complaints
What doesn’t impact your life insurance premium
Best hotel for business travel: Hilton Garden Inn
When are state taxes due in 2024?
More advanced stock chart terms
Rent a car from a rental company
4. Radisson
5. Know the bank’s timeline
How to find high-yield alternatives
Why frequent oil changes aren’t actually better
Can you disable cash advances on your card?
Automatic IDR recertification is possible
Pros and cons of VA home loans
How does Spotify fit into your budget?
Are Treasury bills a good investment?
How much can you send with Venmo?
Banks and credit unions that clear checks fast
What to expect from credit cards with high APRs
How can I get more value from my Hyatt points?
Is PMI tax-deductible?
How to check your own credit references
How to budget and save
Treasury bond and note calculator
Qualifying for a Single Family Housing Direct Home Loan
When to estimate closing costs
5. Capital One Shopping
What Medigap Plan F doesn't cover
Citi Double Cash® Card
3. Pay off your balance
Alternatives to paying traditional real estate commissions
How to prepare for dealer fees
How to improve bad credit
Store your Bitcoin on Cash App
File the appropriate taxes
Taking surveys
3. Other investment options
How to set up a business loan from family and friends
Convenience fee alternatives
Male college students pay more than females
Common workers' comp exemptions states offer
3. The card’s special financing offer comes with limitations
Oportun Visa Credit Card
What is driving the single-stock ETF trend?
Bottom line
How do you set up a lady bird deed?
When is the next Powerball drawing?
Paying the VA funding fee
3. Rewards can’t be saved for a big splurge
Apply for Clear (maybe)
Step 4: Organize your marketing materials
5 best biotech stocks in the S&P 500 by one-year performance
Which life insurance policy is right for me?
Remember your CD’s maturity date
Who pays the closing costs?
Potential penalties
2024 IRS Free File: Participating tax software providers
6. Use your affiliations
How to compare pool loans
How the Fed changed the role of reserves
How to prove undue hardship for student loans
Factor in other costs
Working YouTube Premium costs into your budget
4. Leverage memberships
Qualifying surviving spouse
5. Make a shopping list and use apps for more savings
4. Utilize an eSIM card
Frugal DIY project tips
How do you qualify for the federal solar tax credit?
Best car insurance in Massachusetts for having few customer complaints: Mapfre
Next steps to determine how much financial aid you can get
Self-employment
What’s included in an MSC cruise
How can you avoid a credit card suspension?
Your 401(k) plan allows after-tax contributions
3. Your eligibility for the welcome bonus
6. Investing for teens
How much insurance do I need for a new car?
How home equity loans, HELOCs and cash-out refinances are similar
QuickBooks Enterprise pricing
Extending or converting your policy
More about these investment expenses
6 types of dividends
How does a HELOC work?
Where Aflac stands out
5. File taxes without a W-2
How to find another company's EIN
How much should you spend on a mattress?
4. Home Depot offers a separate card for bigger projects
4. It lacks a 0% intro APR period
Benefits for active-duty military
Other SBA loan fees
Eliminate mortgage insurance
How to redeem Wells Fargo Rewards
4. You’ll have plenty of in-flight entertainment
4. Use grants if you qualify
Don’t limit yourself to springtime to clean up your bank accounts
What is a good business credit score?
Partner award booking fee
Is VGLI worth it?
How to get Global Entry through travel cards
States that have estate taxes, inheritance taxes or both:
What does a seller's disclosure include?
Money market accounts vs. other accounts
What to do once your Equifax credit freeze is in place
Prepaid 529 plans by state
5. Steer clear if you plan to carry a balance
8. Take a loan from your retirement account
Keap: Best for dedicated support
6. Ditch your friends (for a few minutes) with Single Rider
6. TownePlace Suites Orlando at SeaWorld (Marriott Bonvoy)
Buying call options vs. buying put options
Ongoing health policies
What about independent contractors?
How Lemonade compares to other insurers
How to get better life insurance rates
Cheap car insurance in Texas for 20-year-olds
APR vs. APY: What’s the difference?
Alternatives to proof-of-work
Reconsidering the Apple Card for everyday spending
How do you find out how much equity is in your home?
Can discounts be applied after booking?
Schedule C: Tips and tricks
Who is this card good for?
Should you tip a dog groomer?
Other opportunities to pay off student loans faster
How much interest will I earn on $10,000?
How to buy China stocks
Types of REITs
Dispute responsibly
Amenities and other perks
Tips for Qatar economy flights
4. Do you already have the loans you need for the near future?
Why haven't I received my tax refund?
General partnership
Drawbacks of exchange funds
Excellent upgrade options
5. How can I keep costs low?
Other factors affecting minimums
They're not all completely accurate
What are the risks of investing in Treasurys?
Prudential customer complaints and satisfaction
5. Earn some extra money
What happens if you don’t have home insurance and your home is damaged?
Best option: A different card
How to resolve an issue with a pending transaction
Will this lower my limit?
Rules for refinancing jumbo loans
Use Wi-Fi (instead of cellular) to save data
How can I repair credit myself?
6. Libraries and museums
Florida sales tax holidays
What's next?
How much does Shopify cost?
Terminal B: British Airways Lounge, SAS Lounge and USO Center
What additional benefits do I receive through the alliance?
Should I just use cash instead?
Whole life insurance
Standard deduction 2024 (taxes filed 2025)
Purple: For people with disabilities
Can United miles be used on other airlines?
About USAA's travel insurance benefits
For Medicaid beneficiaries
Can you earn and redeem points at IHG Army Hotels?
Do I have to pay California state tax?
Bank of America® Customized Cash Rewards credit card
How to use Affirm to pay for travel
Avoid getting ghosted in the first place
How many banks have collapsed?
Today’s rates for specific kinds of mortgages
Hardware wallets
Cheapest for 20-year-old drivers
How to invest in dividend stocks
Best car insurance in California for customer complaints: Amica
5 steps to applying for a mortgage
Don’t count on this student loan forgiveness yet
USPS mail hold
What if I lose the cashier's check?
How MassMutual compares to other insurers
Find ways to stretch your grocery budget
Student loan discharge programs
How to open a brokerage account
Best car insurance in New Jersey for customer satisfaction: NJM
The Bitcoin ETF price war
What are the lottery payout options?
Flood and earthquake insurance deductibles
You'll likely forgo a welcome bonus
Does Medicare cover Wegovy?
Resources for low-income households
5. There are no other Merrick Bank credit cards to graduate to
Understand how HELOC balloon payments work
How to apply for a joint business bank account
The significance of adjusted gross income
More about Ethos life insurance
Preparing for financial setbacks
Reflex® Platinum Mastercard®
How to invest in dividend aristocrats
FDIC insurance: What’s not covered
Why you might want a joint credit card account
What else you need to know
Where Northwestern Mutual stands out
CD vs. high-yield savings account: At a glance
VA loan refinance eligibility
Home equity loan rates in 2023
How much does a Southwest flight upgrade cost?
3. Open an investment account
How much does it cost to cancel a Delta flight?
What to expect at Kings Island
Securian Financial customer complaints and satisfaction
How to buy virtual reality stocks
5. Scooter’s Coffee
When can you stop paying for PMI?
Medicare resources in Florida
Best Texas car insurance for customer complaints: Chubb
Decide among low interest, 0% or rewards
4. Take advantage of first-time home buyer programs
4. Decide how you’ll invest
Business loan vs. business credit card: How to choose
How to lower debt-to-income ratio
Tax preparation or bookkeeping
Free stock screeners from brokers
Earning Citi ThankYou Points
Auto-Owners home insurance rates
Food and beverage
Other ways to pay off student loans
What to watch for with multiple business bank accounts
More about Nationwide life insurance
How is factoring receivables different from accounts receivable financing?
You're prepared to create a new support network
Average condo insurance cost by company
Do you tip assistants?
3. Point values vary and redemption is needlessly complex
Why is the IDR account adjustment happening?
More ways to take charge of your budget
Reviewing the results
Cheap cell phone plans from brands that resell network service
Are my finances stable enough to refinance?
Additional child tax credit
How do I become a financial coach?
5. Your eye is already wandering
Does pre-qualification affect your credit score?
Why you might want The Home Depot Consumer Credit Card
Best car insurance in Michigan for having few customer complaints: The Hanover
What if Frontier Airlines won’t refund you?
Key terms in this story
Diversifying with index funds
Is my money safe in a high-yield savings account?
Best homeowners insurance in Georgia for consumer experience: American Family and Nationwide
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
How to calculate an out-the-door budget
Integrations with accounting software
Where Aflac falls short
Buying bundles: the Works and the Perks
More about Primerica
USAA customer complaints and satisfaction
Should I take a lump sum payment or annuity payments?
How to increase your net worth
6. Pick up weekly ads at the store
6. Write online reviews
Average cost of term life insurance by age
Married filing jointly vs. separately
How to gift stock
Making your choice between a credit union and a bank
2. Derogatory mark: Account charge-off
5. Use your AAA membership to visit Monday through Thursday
3. Work with your creditors
Long-term investment vs. short-term investment examples
What happens if you forget to recertify?
What states are increasing minimum wages in 2024?
What Pets Best pet insurance covers
Smart use is the key
Cheapest term life insurance companies for smokers for 2024
Is splitting up the points worth it?
Is Venmo secure?
Alternatives to checks
9. Borrow against life insurance
PayPal cryptocurrency fees
Does HBO Max allow password sharing?
Tax implications are unlikely
Should you pay the statement balance or current balance?
Arranging to see a private seller's car
5. Credit card fees are avoidable
Choosing recourse or non-recourse factoring
Inflation example
Where to save
Cash-out refinance costs
How do you sign up for a Costco membership?
What umbrella insurance doesn’t cover
Find a bank that suits your needs
State Farm customer complaints and satisfaction
Dissatisfaction
Consider your legal options
Should I consolidate my Perkins loans?
Red flags that you're being scammed
Alternatives to credit cycling
Prioritizing your financing
Other wallet options
6. Step-up or bump-up CD: The box that allows more gems over time
Medicare resources in Arizona
Optional coverages
10 largest lottery jackpots
Booking award flights
Understanding the taxes you might need to pay
Will I still be able to make purchases?
Reasons to refinance
Using the Loan Estimate to compare mortgage offers
7. Aquariums and zoos
4. Interest will be charged on any balance left when the 0% period ends
Schedule A tips and tricks for itemizing
How are HELOC payments calculated?
Final thoughts on flying Korean Air economy class
Strategy 2: CD barbell
Domestic vs. international fees
How to choose a rent-reporting service
W-4 form 2024
Auto loan preapproval vs. pre-qualification
3. EarnIn: Best for large advances
Other hardship loan options
4. You’ll receive an instant card number upon approval
6. Use coupons strategically
Why is the 10-year Treasury yield important?
Caveats to keep in mind with QSBS
Types of life insurance for transgender people
What state has the lowest gas prices?
Where to avoid exchanging currency
Alternatives to canceling a credit card
Figuring out what makes sense for a car down payment
Your 401(k) lets you move your after-tax money
5. You could more likely experience unique, local events
How home equity loans and HELOCs are different from cash-out refinances
Auto-Owners
More about MassMutual
Public Service Loan Forgiveness administrative forbearance
How much to keep in your savings account
The caveats
How to convert Hilton points to dollars
Hack your IRA
They lack information
Urstadt Biddle Properties Inc. (UBA)
What affects your credit score?
When to switch car insurance companies
5. Contact the seller or visit a dealership
Additional functionality
How did we determine value?
Mattress-buying tips
How to reach MOHELA customer service
What to consider when flying low-cost airlines in Europe
5. Loyalty doesn't always pay off
5. It's not the only co-branded Ikea card available
5. International Hotels Group (IHG)
6. Rebounding from bank account fraud
5. Online savings accounts
5. Skip comprehensive and collision coverage for an older car
How do bonds work?

Step 3: Choose your lender and loan

Get more help with monthly budget planning
6. Confirm the check details and complete the deposit
Embrace: Best pet insurance for many ways to save
Watch out for capital gains taxes
Best for local support: Blue Cross Blue Shield
7. Buy souvenirs elsewhere
How long do medical bill collections stay on your credit reports?
How to choose between term and whole life insurance
4. You can write off Bitcoin losses
7. AC Hotel Orlando Downtown (Marriott Bonvoy)
Other ways to pay
Gift tax limit 2024
How much car insurance you need
Hiring your first employee: Steps to take
Will your Roth IRA distribution be taxed?
From income to budgeting
More about Lemonade
Medicare Supplement Insurance providers
Clothes, vintage and crafts
Where do you find the Schumer box?
When do you have to pay taxes on stocks?
What to do after removing an authorized user
Selling Bitcoin
Obtain any required business licenses or permits
What if you can’t afford to tip?
Stock split vs. reverse stock split
Not all credit cards charge a penalty APR
Best homeowners insurance in Florida for having few consumer complaints: Chubb
What to do if you can't pay your taxes
How to handle your state tax liability
Getting information about an Experian credit freeze by phone
Types of life insurance trusts
Best homeowners insurance in Montana for consumer experience: Amica and Nationwide
Other Roth IRA rules
More about the card
Bear market vs. recession: What’s the difference?
4. You won't be able to finance a Nissan with the credit card
Methodology to determine the best airline
What happens after you submit a satisfactory academic progress appeal
Why the due date is so important
Opting for a rider
5. How do I choose a mortgage broker?
Where Prudential stands out
4. Financing options are available …
How much does working with a CFP cost?
Individual Lightning Lane cost
Pros and cons of investing in biotech stocks
Best options for plumbing insurance
Additional Medicare Part D companies
Kristin Wong
Now move on to the budgeting
Get a credit-builder product or a secured loan
If you want to pay off your student loans fast
Are current personal loan rates high?
Best homeowners insurance in Nebraska for consumer experience: Nationwide and American Family
4. What is the most affordable way to get access to Sapphire Lounges from Chase?
Interest rate
4. Your current Sapphire situation
Are home equity loans a good idea?
Potential impact of multiple credit cards on your credit scores
4. Consider a co-signer
Best car insurance for seniors: fewest complaints
How do you cancel a Crunch Fitness membership?
Deposit timing
Do spot Bitcoin ETFs have custodianship risk?
Ways to earn money as a teenager
How does crypto fit into your portfolio?
How to invest in AI stocks
Does Medicare cover Mounjaro (or Zepbound)?
Compare your net worth
How has the Marriott points value changed over time?
6. Request more time to file
How do balance transfers work?
How much are Disney Park Hopper tickets?
Look for the most flexible HELOC terms
8. Look at the product packaging
ID required for benefits
Erie home insurance rates
5. You can schedule a free stopover or tour in Istanbul
5. Think about staying invested if you can
Do I still have to pay the IRMAA if I choose Medicare Advantage?
Where Northwestern Mutual falls short
How to open a savings account or CD
Call center service charge
4. The deal faces regulatory hurdles
What causes Treasury bill rates to fall?
Net investment income tax examples
3. Wells Fargo Bank: $1.68 trillion
What if a seller lies on the disclosure statement?
How to unfreeze your credit with Equifax
Home equity loan and HELOC rates
10. Use a credit card cash advance
Will my loans get cancelled?
How did we determine the Hyatt points value?
Benefits of CD ladders
What you can do to avoid credit card late fees entirely
5. Select purchases won’t be charged interest for six months
Should I refinance my car?
Chase routing numbers
More about Securian Financial
Treasury bills calculator
What do closing costs include?
Medigap Plan F alternatives
Book an award trip on partner airlines
Best homeowners insurance in Missouri for consumer experience: American Family and Nationwide
How to buy silver stocks, mutual funds and ETFs
How personal loans and credit cards are similar
Is it worth applying for the Bank of America® Platinum Plus® Mastercard® Business card ?
4. How can I save?
Spirit Airlines seating chart
How to set up multiple business bank accounts
When are New York state income taxes due?
Dividend tax rate 2023
Managing expectations
6. Track your progress and keep going
How do tax refund loans work?
Do you need bodily injury liability coverage?
Revisit your plan
8. Cafes, restaurants and bars
Who uses Shopify?
What will count toward IDR forgiveness?
Personal loans from banks
Condense income-driven repayment
How does credit utilization affect my credit score?
Consider the costs of cashing out your 401(k)
Look for savings
The best times to day trade
How to calculate quarterly estimated taxes
Moving forward
What is a good DTI ratio?
Best Massachusetts auto insurance for ease of use: Farmers and Progressive
Upgrading with miles
Skip currency exchange: Use a credit or debit card
MSC loyalty program: Voyager’s Club
How to handle these bills
7. Roth IRA
Our picks for PayPal
FAQ comparing home equity loans, HELOCs and cash-out refinances
Reasons for garage door replacement
Dropping your life insurance
How does cryptocurrency work?
Best life insurance company for applicants with HIV: Guardian
Do the math on high-yield savings
ONE VIP Visa Prepaid Card
How to get into the Plumeria Lounge at HNL
More about Aflac
6. Are you doing a hard credit check on me today?
Is OASDI tax the same thing as Social Security tax?
Best homeowners insurance in Texas for consumer experience: Nationwide
Where USAA stands out
7. Start a blog
What are the other 2024 tax deadlines to know?
Revel credit card
How to check that all money in your accounts is insured
Some alternatives to joint credit card accounts
Should you earn Wells Fargo Rewards?
5. Get a work-study job
6. Check discount sites like Groupon
7. Keep the check until it's processed
Pros and cons of investing in gold stocks
How to fit HBO Max into your budget
Should I do a balance transfer?
6. Interest is completely avoidable, too
No-PMI mortgages
How good credit references can make your life better
How to find cheap Delta flights to the Caribbean
Is liability-only auto insurance right for me?
How do you pay for purchases at Costco?
What tax breaks do you lose under the AMT?
Costs of working with an iBuyer
Pros and cons of jumbo loans
Where State Farm stands out
How to apply for REPAYE
How to file a claim for surgery costs
What does a bad credit score mean for you?
Tips to get through mortgage underwriting
Tips to protect yourself
What are some types of e-commerce revenue models?
How to save on car insurance as a college student
Estimate your 2024 IRS tax refund date
Contributing too much to a Roth
Gemini Credit Card
Alternatives to a lady bird deed
Where Prudential falls short
How ARM rates are set
4. Financing plans are available, but they come with terms
Why you might still book rental cars in advance
Grace periods at some banks
Will this hurt my credit?
Other options for building credit
What are IRS Free File Fillable Forms?
Can you deduct Florida sales tax?
Is a backdoor Roth IRA worth it?
Dining reservations
How do I get a copy of my actual tax return?
If you're looking to apply for Global Entry
Additional costs for international wires
Standard deduction for those 65 or older
Daylight: For the LGBTQ community
Does the IRS charge interest on payment plans?
A unique offering: IHG Army Hotels
What is California's standard deduction?
5. Carrying a balance could be costly
Frugal home expenses tips
Best California car insurance for ease of use: State Farm
Compare lenders
Who should avoid Frontier Airlines?
How to increase your pre-qualification amount
LLC payroll taxes
Maintaining good standing for your Texas LLC
How to find business class lie-flat seats on domestic flights
Alternatives to QuickBooks
How tax extensions work if you owe taxes
Contract periods
Understanding the American Express card families
Benefits of staying as a Hilton Honors member
Dividend aristocrats ETFs
What are fleet cards?
Credit union vs. bank: Frequently asked questions
Search for individual tickets if traveling in a group
6. Raise your deductible
Can you recertify student loans early?
What is the VA loan limit?
Average certificate of deposit rate: 1.81% for one-year CDs
How much does VGLI cost?
What Nationwide pet insurance covers
How to apply online for Global Entry
Ways to get the best home equity loan rates
Does Venmo offer a debit or credit card?
Doing great
11. Look for a payday alternative loan
Holding crypto on PayPal
Qualifying for a better credit card APR
8. Consider neighboring airports
Alternatives to a Southwest flight upgrade
Best for emergency medical coverage: Allianz Global Assistance
How the lifetime gift tax exclusion works
Types of mortgage loans
Flexible booking policies
State thresholds for the medical expense deduction
More about buying life insurance with a health condition
Best Texas car insurance for ease of use: Farmers
What are the tax rules for a Roth IRA?
How compound interest works
Why is home equity important?
What to expect when you open your new account
5. Shop around with multiple lenders
401(k) withdrawals
Exploring other options
Country Financial renters insurance rates
What kind of investment is Bitcoin?
Using points and miles to buy AirTags
Term of the month: The Buffett indicator
5. It offers a decent sign-up bonus (if you can get it)
Do I have to pay New York state income tax?
How much is the SALT deduction?
How do I find an accounts receivable factoring company?
How much life insurance should I buy?
Setting up your own freelancer retirement plan
What is Georgia's standard deduction?
5. You might not be eligible for the offer
Do things differently next time
Does paying rent build credit?
Credit union personal loan rates
How to freeze your child’s credit
How to find the 2024 W-4
How to get a preapproved car loan
Benefits of a larger down payment
5. Opt for economy cars
Married filing jointly
When to expect your child tax credit refund
7. Buy in bulk
Are 10-year Treasury notes a good investment?
Regional and state-based second chance checking accounts
2. Certificates of deposit
Cashier’s check vs. certified check vs. money order
Enrollment time limits
Alternatives to savings accounts
Quick start guide: How to invest in index funds
Best car insurance in New Jersey for ease of use: State Farm
How does a Crunch Fitness membership fit into your budget?
How to get a good credit score
Getting your Frontier baggage and other fees waived
Can I get my Social Security tax back if I’ve overpaid it?
How did we determine the value of Marriott Bonvoy points?
Where USAA falls short
Avoid prepayment penalties
How do I deal with lottery taxes?
What is your modified adjusted gross income (MAGI)?
9. Browse store aisles
How to change or cancel an EIN
8. Game on Twitch
Learn more about getting an SBA loan
6. Choice Hotels
3. Derogatory mark: Repossession
Minimum wage increases
More about Northwestern Mutual
Current Build Card
3 ways to avoid inheritance tax
Constant Contact: Best for unlimited user access
How to keep medical bills from hurting your credit
How to book a business class ticket with Iberia
8. Hyatt Regency Grand Cypress (World of Hyatt)
Save money on PMI
Who needs umbrella insurance?
TurboTax vs. H&R Block: Support
Where State Farm falls short
Environmental concerns
Cheapest car insurance companies after a speeding ticket in California
3. Understand how your taxes are determined
Open a business bank account and explore your funding options
IDR account adjustment for Perkins loans
Money market funds
Crypto vs. stocks
4. Whether it's time for a financial advisor
Once you request your Experian credit freeze
How to find a job
Where to find your card’s minimum
Should you buy single-stock ETFs?
Other tips for managing your bill
7. Add-on CD: The box that allows additional deposits
Universal vacation packages
Preparing for evacuation
How to buy Treasury bonds, notes and bills
More about Prudential
VA funding fee vs. mortgage insurance
Consumer complaints
Taxes for rollover IRAs: 2 rules to know
What is the Medicare donut hole in 2024?
What does a condo insurance rate include?
Should you use a personal loan to build credit?
Finally: Calculate the break-even point
How did we determine the value of United miles?
If you fly first class on Singapore Airlines
What other projects are eligible for the residential clean energy credit?
You’ve got money left over for savings
5. Your spending plans
If you’re looking to book with Booking.com
8. Special needs trust
Best Michigan auto insurance for ease of use: State Farm
Brokerage accounts are taxable accounts
Next steps:
Customer support
Citi Custom Cash® Card
Kite Realty Group Trust (KRG)
What you’d pay out of pocket for Ozempic, Wegovy, Mounjaro or Zepbound
6. Inspect and test-drive the car, if applicable
More from tax filing resources:
Average cost of whole life insurance by age
Save money on Allegiant flights as a veteran
Surge credit card
What happens when a bank fails
6. Work for an employer that pays for college
How to choose the best ESG funds for you
7. Visit after 4 p.m.
4. Seek help through debt relief
What’s not covered
Unaccompanied minor fee
4. Pick an investment strategy
7. You can — and should! — pay more than the minimum
Writing call options vs. writing put options
What hotel brands are part of World of Hyatt?
Wells Fargo routing numbers
5 things to know about Arizona state income tax
Ways to get the best USDA mortgage rates
No-closing-cost mortgages
Ready to get started?
How to buy physical silver
What is net investment income tax?
You can temporarily self-report income
About the program's elite status
Avoid the student loan scammers
Reverse stock split examples
LoungeBuddy lounges not on Priority Pass
Best for using a Hyatt free-night certificate: Hyatt House LAX/Century Blvd
Dividend tax rate 2024
How do I find a certified financial planner near me?
Step 5: Build your client base
Be prepared for your CD’s maturity
Special situations: Previous employers, military and vets
Find the best HELOC lender for you
Are there other ways to get tax records?
Other ways to cut wire-transfer costs
Universal life insurance
Strategies for keeping your credit utilization low
Should you file student loan bankruptcy?
Day trading risk management
Establishing credit is also possible with alternative options
Why did First Republic Bank fail?
5. Other cards with airport lounge access
Resignation due to health issues letter example
How do I grow my home's equity?
Getting the most from your pre-qualification limit
Best car insurance for seniors: ease of use
How are cryptocurrencies created?
What do the approvals mean for Bitcoin?
How to find AI ETFs
7. Do you charge for an interest rate lock?
More about USAA
What to look for in a balance transfer card
Be mindful of how much you borrow
9. Sell photography
2023 state income tax rates and brackets
How do fleet cards work?
6. High-yield checking accounts
The 50/30/20 budget calculator
7. Consider usage-based or pay-per-mile insurance
What is the median household income in the U.S.?
On-time performance
How do I find out if the Medicare IRMAA applies to me?

Step 4: Gather loan documents

5. The bigger the company, the higher the interest rates
Next Steps:
12. Get a personal loan
Downsides to CD ladders
Why some cars cost more to insure
Buy Medicare Supplement Plan F during Medigap open enrollment
Tips to find cheap flights any day of the week
Is a Costco membership worth it?
Why's it called the Schumer box?
Home equity takes time to build
What factors impact your credit scores?
What does personal liability insurance not cover?
6. Consider alternative types of mortgages
More about State Farm life insurance
Balanced funds
If you want to book Maldives hotels for cheap
If you're considering booking Delta Air Lines premium economy
Limited partnership
Should I pay a car loan with a credit card?
What to know about LendUp
How to choose between an LLC and a corporation
5. … But you won't want to carry a balance otherwise
Consumer experience
Lynnette Khalfani-Cox
How do you get out of the Medicare donut hole?
What if your passport expired and you need to travel tomorrow?
10. Schools and universities
6. You might not get approved for as much credit as you need
4. It offers a 10% discount on shore excursions
Missing inventory
How much should you put down on a house?
What part of my income gets taxed by California?
4. Varo: Best for existing bank customers
EveryDollar, for simple zero-based budgeting
Maximum and average DTI ratios by mortgage type
Things to consider
How much is car insurance by company?
3 tips to control central air conditioning installation costs
American Airlines AAdvantage MileUp Mastercard benefits summed up
How are gas prices determined?
If you’re considering flying Frontier Airlines
Which card should you get?
5. Use collateral to secure the loan
How tax extensions work if you're due a refund
How to incorporate market cap in your portfolio
HELOC requirements
Full list of the best home insurance companies in Texas
10. Check your receipts
Travel and shopping protections
Emirates Economy vs Emirates Premium Economy: which is a better value?
How do you buy Vanguard Index fund shares?
10 ways to spot IRS scams and impersonators
Refinance options for underwater mortgages
How much can you borrow with a home equity loan?
Do I need to worry about the net investment income tax?
4. Citibank: $1.01 trillion
Selling crypto on PayPal
5. Failure to report Bitcoin can be costly
9. Hyatt Regency Orlando International Airport (World of Hyatt)
The drawbacks of whole life insurance as an investment
Compare small-business loans
What is hyperinflation?
Other low-down-payment mortgage options
Do I have to pay alternative minimum tax?
Close your old account, if needed
Getting flight delay compensation from Frontier
Penalty APRs are different from late fees
Full list of the best homeowners insurance in Florida
What is EPS used for?
Don’t pay for advance seat selection
Where's my 2024 state tax refund? Track your status
Other stock market changes: Dips, corrections and crashes
What is the difference between a CFP and a CFA?
Is accounts receivable financing a good idea?
Purchase upgraded airfare with priority lane access
How to buy biotech stocks
Hiring someone versus doing it yourself
Will my autopay preferences get updated automatically?
Is a credit-builder loan good for my situation?
How can you take the guesswork out of tipping?
Do dining plans include alcohol?
Will parent PLUS loans qualify?
Try a worksheet or app
Fixes to income-driven repayment forgiveness
Use a co-signer
Do I have to update my W-4 every year?
How to calculate your monthly payment
For the uninsured
Reasons to get a mortgage instead of buying with cash
Full list of the best homeowners insurance in Nebraska
2024 child tax credit news update
8. Start small
How do you buy 10-year Treasury notes?
Full list of the top auto insurance companies in California
Who qualifies for the SAVE plan?
Days in the cycle
Making the decision
Five steps to opening an investment account for your kid
Country Financial
Fees across U.S. airlines
How to pay off a car loan early
HELOC alternatives
Ex-dividend dates
4. Use budgeting or expense-tracking apps
Refinancing a VA home loan
VGLI rates vs. term life rates
Some helpful links from the IRS
Best for low-cost plan availability: Humana
Who should get a home equity loan
You can prioritize other financial goals
9. Stay off-property
What credit cards include Southwest upgrades?
8. Paying late comes at a high cost
7. Biggby Coffee
How much umbrella insurance do you need?
Is APY variable?
Does silver diversify your portfolio?
Other ways to pay less
Mutual fund fees
You don’t need to have $10,000 to take advantage of compound interest
Baggage and other perks
Full list of the best homeowners insurance in Montana
Is an exchange fund right for you?
Do you ever need to change your EIN?
What is New York state's standard deduction?
More on WebBank
How to report dividend income on your taxes
8. Brokered CD: The box available at a brokerage
How to look up passport numbers recapped
Getting a refund for your funding fee
5. You won’t want to carry a balance
What's the tax filing deadline for my Georgia state income tax bill?
11. Theaters
Strategy 3: CD bullet
More on home improvement financing
When should you freeze your credit?
6. Stick to one driver
5. Pay for an international plan add-on
How do you claim the solar tax credit?
How many times can you refinance a mortgage?
Full list of the best auto insurance companies in Massachusetts
How to minimize the tax impact of a bonus
Bottom line: Is hiring a financial coach worth it?
Who is eligible to apply for this card?
How can I avoid cashier's check fraud?
How to confirm if a flight has business class lie-flat seats
More about buying life insurance as a senior
Best life insurance company for consumer experience: Northwestern Mutual
Full list of the best homeowners insurance in Georgia
Are there free business credit reports?
How much are lottery winnings taxed?
8. Will I have to pay mortgage insurance?
10. Pet sit
Verve credit card
Is Turkish Airlines good?
4. Derogatory mark: Collections
8. Check store websites
Honolulu Priority Pass lounges
How much does it cost to expand a business?
Pet travel fee
How to buy gold stocks
13. Rent out a room
Are Roth IRAs safe?
Alternative CD ladder structures
Alternatives to term and whole life insurance
2023 and 2024 lifetime gift tax exemption
Choose the best Hyatt credit card offer for you
How to protect against inflation
Citi® Diamond Preferred® Card
Full list of the best car insurance companies in Texas
How to pay lower taxes when selling stocks
Can you buy pet insurance before surgery?
How borrowing affects your credit score
Other mutual funds
Alaska flight delay compensation recapped
When did all of the tech layoffs start?
Final thoughts on Qatar economy class
It's best to pay more than the minimum
Florida resident discount for Universal Orlando Resort
How much does a tax refund loan cost?
Will I still get statements?
Is there any insurance that covers the donut hole?
How to reduce your condo insurance cost
7. The usefulness of a 0% deal depends on your habits
How to get a commercial loan
Make college tuition-free
How to get a loan from a credit union
What are the fees for an IRS payment plan?
Paid upgrades
Calculating capital gains tax on a home sale
LLC self-employment taxes
Full list of the best auto insurance companies in Michigan
Why are there so many kinds of cryptocurrency?
Full list of the best car insurance in New Jersey
Best uses for a high-yield savings account
How many tax extensions can you file?
How to get a home equity line of credit
InvenTrust Properties Corp. (IVT)
Covering weight loss drugs would be costly for Medicare
7. Determine which warranties are right for you
Does Disney Park Hopper include parking?
Do I have to make student loan payments?
11. Use social media
How to complain about MOHELA
How to rebook quickly for a canceled flight
Pets Best coverage options
Rebuild your credit to refinance
Reconsideration for PSLF applications
How to earn Avis Preferred Points
Cheapest final expense companies for 2024
Transferring crypto into your PayPal address
What does Florida flood insurance cover?
Online bank and credit union routing numbers
If this is giving you a headache ...
Electronics
'Holds' on a credit card
Last-minute travel deals, recapped
Lodge a student loan complaint
How to pick seats on Spirit Airlines
Economy class travel tips
How to get a tax refund sooner
Tips for calculating how much life insurance you need
Find the best homeowners insurance in your state
VA funding fee isn't the only closing cost
Getting the most out of The Platinum Card® from American Express
Step 6: Separate your business and personal finances
How much do life insurance policies cost?
Closing costs for the buyer
How much bodily injury liability coverage do you need?
How to complain about Aidvantage
Flying with an expired passport recapped
Save money on wedding venues near you
5. It's relatively fee-friendly
Summary of pros and cons of personal loan lenders
Cheaper ways to send money
What is 100% or full reserve banking?
Standard deduction for dependents
Am I a resident for California state tax purposes?
Bottom line: Is day trading right for you?
How to pay estimated taxes
Practicing good habits keeps finances on track
Why did Silicon Valley Bank fail?
Do you pay tax on T-notes?
Exchange frequently? Consider a multicurrency account
How to safely cancel a credit card
How to earn miles with the Alaska Airlines Visa® credit card
How long does it take to get pre-qualified for a mortgage?
The cheapest car insurance for seniors
FamZoo Prepaid Card
Chase Freedom Flex℠
How to get Air Canada preferred seats for free
How much does homeowners insurance cost in Texas?
11. Do freelance work
When will I get my refund?
7. Take out federal loans if you have to
8. Check insurance costs when buying a car
Selecting a long-term investment
But what if I really do owe the IRS money?
How do I pay the Medicare IRMAA surcharge?
Are bonds a good investment?
Home equity loan requirements
Who should get a HELOC
Zoho CRM: Best overall CRM software
10. Waldorf Astoria Orlando (Hilton Honors)
Seller-paid closing costs
Full list of the best homeowners insurance in Missouri
Choose between cash-back and travel rewards
Will a penalty APR hurt my credit?
How to earn more interest in a savings account
More Florida home insurance companies
Bitcoin and volatility
How to control your dividend tax bill
Whom should I contact for more help?
Disney’s Genie+ recapped
Jason Vitug
Are there ways to avoid the Medicare Part D donut hole?
Will my servicer know if I qualify?
Terminal C: United Club and United Polaris
Become an authorized user
How to adjust your Form W-4
Other considerations to determine your down payment
Is it worth going to a tax preparer?
How much does homeowners insurance cost in Nebraska?
How to switch plans and keep your number
Recap: How to get a cashier's check
Choosing between cards? Rewards and perks might make the difference
6. Find the right lender
Where to find the best savings accounts
Brokerage accounts vs. IRA
How much does a tax extension cost?
How to evaluate dividends
Sharing a Prime membership Using Amazon Household
Other debt payoff options
Is a Continental Finance credit card right for you?
5. Explore other expense-tracking methods
9. Use your military cred
Types of VA home loans
Why do I need a business credit score?
Benefits of refinancing
United Airlines flight delay compensation recapped
5. U.S. Bank: $646.73 billion
Alternatives to Roth IRAs
10. Spend on the right credit card
Ways to get good value in Iberia business class
Paying for a car purchased from a private seller
Best for travelers with pre-existing medical conditions: Travel Guard by AIG
9. Getting too close to your limit can sink your credit score
How to save on car insurance
8. Dunn Brothers Coffee
Booking Delta flights to the Caribbean
Jumbo loans and conforming loan limits
Convenience
Finding a car you can afford
Alaska Airlines cheap flights, recapped
4. Decide how to file your taxes
Crypto ETFs
Am I a resident for New York state income tax purposes?
9. Foreign currency CD: The box with non-U.S. gems
Colorado tax credits
Where to drink alcohol in the Magic Kingdom recapped
How to choose a lender
Variable life insurance
Cons of a credit freeze
If you need additional student loan help
Why lenders charge different personal loan rates
7. Use your own insurance
Married filing separately
Are these the best dividend stocks?
Does the solar tax credit work with other incentives?
Guest upgrades
If you're wondering what to do with your mail while on vacation …
How often do savings rates change?
How much does homeowners insurance cost in Georgia?
What do the approvals mean for other crypto investments?
Market capitalization vs. float-adjusted market cap
Getting to the Plumeria Lounge inside HNL
Could we be in an AI bubble?
Cost of life insurance without a medical exam
Credit cards that earn Hilton Honors points
What are the best Vanguard index funds?
Average money market account rate: 0.66%
VGLI rates vs. whole life rates
14. Moonlight as a dog sitter
5. Understand your investment options
What is the average and median retirement savings?
Which type of life insurance should I put in a trust?
How much does homeowners insurance cost in Montana?
Term vs. whole life insurance tool
What if you lose your EIN?
NerdWallet home insurance calculator methodology
More ARM terms to know
What taxes aren’t covered by the SALT deduction?
Disney FastPass cost recapped
Other home insurance companies to consider
Is the Medicare donut hole going away in 2024?
Keep budgeting and communicating
Expand Pell Grants
What is the money multiplier formula?
U.S. Bank Cash+® Visa Signature® Card
5. Dave: Best for repayment flexibility
If you're looking for the best way to use your cell phone abroad
How to finance central air installation
Types of gas
How to apply for the SAVE plan
Compare Cards
How to redeem Alaska Mileage Plan miles
6. The amount you will travel
LLC sales taxes
If you're considering buying an RV…
Why you can trust NerdWallet
Tax extensions for overseas taxpayers and military members
How much can you borrow with a HELOC?
The complete list of dividend aristocrats
5. Lower your living expenses
Restrictions and waiting periods

Step 5: Submit your application and get funded

How to redeem Avis Preferred Points
Transferring crypto from your PayPal wallet
If you want to stay at non-Disney resorts in Orlando
Is an iBuyer worth the trade-offs?
Find local conforming loan limits
If you join MeliáRewards
How top pet insurance companies cover surgery
Personal loans vs. credit cards for debt consolidation
Get bonus United miles when you transfer Marriott points
Can you lose money in mutual funds?
Alternatives to family and friends business loans
Spirit Airlines seat selection fees
Cash bonuses on cards with an annual fee
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The best place to exchange currency at the end of your trip
Your readiness to buy a home
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9. What will my monthly payment be?
8. Negotiate the best price
12. Create a podcast
2024 state income tax rates and brackets
Fleet fuel cards: benefits and drawbacks
5. Student loan delinquency or default
6. Look for ways to lower your expenses
If you want to save at Cedar Point
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How do I get my business credit score?
15. Become a rideshare or delivery driver
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Bottom line: Choose the CD that helps you most
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Best for simple overnights: Holiday Inn Los Angeles LAX
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The process of applying for a personal loan may feel overwhelming if you don’t know where to begin or what you need.

Below are five steps and common questions to help you through the process of choosing and applying for the best personal loan for your financial situation.

Start the process by checking your credit. The interest rate and loan amount you receive depend a lot on your credit score, so reviewing your credit report lets you spot and fix any errors — like a falsely reported late payment — and strengthen your score before applying for a personal loan.

How does my credit score impact personal loan offers?

Good- or excellent-credit borrowers (those with scores of 690 or above) typically receive lower rates and have a wider group of lenders to choose from. On the other hand, bad- and fair-credit borrowers (scores below 690) may have fewer options and receive higher interest rates.

How do I see my credit score for free?

You can get a free credit score and credit report with NerdWallet. You can also request free credit reports directly from the three major credit bureaus at AnnualCreditReport.com .

Pre-qualifying for a personal loan gives you a preview of estimated rates, monthly payments and terms before you submit a formal application. Many lenders allow prospective borrowers to pre-qualify on their websites.

Will pre-qualifying affect my credit score?

No, pre-qualifying for a personal loan requires a soft inquiry, which doesn’t affect your credit score.

What do I need to pre-qualify for a personal loan?

To pre-qualify, you’ll need to submit information such as:

Loan purpose. Unsecured personal loans can be used for almost anything, and most lenders ask how you intend to use the money.

Requested loan amount. Lenders typically offer personal loans from $1,000 to $50,000.

Preferred loan term. Personal loans usually have repayment terms from two to seven years.

Personal and financial information. This could include your name, email address, date of birth, address, income and Social Security number.

If you’re unable to pre-qualify for a loan on your own, consider a co-signed or joint loan . Adding someone with a strong credit score and higher income can help you get approved and lower your rate. But keep in mind that a co-borrower or co-signer will be required to make loan payments if you fail to.

» MORE: Compare personal loans with co-signers

How long will it take to pre-qualify?

Pre-qualifying can take up to a few minutes after you submit your information. If you qualify for a loan offer, the lender will show you potential rates and terms to choose from.

The best personal loan is usually the most affordable one. Carefully consider things like APR, monthly payments and fees before you accept an offer.

APR: The annual percentage rate is the total cost of borrowing and includes your interest rate and all additional fees. The lower the APR, the lower the cost of the loan.

Loan term: The loan term is how long you will be paying off the loan. A longer term can lower your monthly payments, but you’ll end up paying more in total interest than you would with a shorter-term loan.

Fees: Some lenders charge an origination fee , which is usually 1% to 10% of the loan amount. This fee increases your APR and a lender may take it upfront, effectively lowering your total loan amount.

Monthly payments: Check the monthly payment and make sure that you can comfortably afford the loan in your budget.

Features and benefits: Identify features that are important to you, like flexible payment options, help with building your credit or direct payment to creditors if you’re consolidating debt.

» MORE: Personal loan features to compare

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on Discover

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8.49- 35.99%

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on LightStream

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on OneMain Financial

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18.0- 35.99%

$1.5K- $20K

Once you’ve chosen a loan with the rate, term and features that best fit your needs, it’s time to complete the application. Depending on the lender, you may apply for the loan online or in person .

What do I need for my loan application?

You’ll need to provide some or all of the following:

Proof of identity, including a government-issued ID or driver’s license.

Proof of address, including a recent utility bill or lease agreement.

Proof of employment status.

Income details, including bank statements or pay stubs, and proof of additional income like retirement, alimony or child support.

Social Security number if it wasn’t submitted during pre-qualification.

If you have a co-borrower on your personal loan application, they will need to submit similar documents to verify their identity, address and income details.

» MORE: Requirements for a personal loan

Submitting a formal loan application triggers a hard credit inquiry . This inquiry will shave up to five points off your score and remain on your credit report for two years.

If everything checks out, you could get same-day loan approval. If the lender requests additional documents, approval may take longer.

» MORE: How long does it take to get a personal loan?

After you are approved, carefully read and sign the loan agreement, which lays out the loan amount, APR and terms. The lender will disburse funds once the loan agreement has been signed.

If a lender does not approve your loan application, it is required to tell you the reason for the denial or to inform you of your right to seek out that information. Knowing why your application was declined can help you improve your chances of future loan approval.

How quickly you receive the money will likely depend on the type of lender you choose. Many online lenders can provide same- or next-day funding, while some banks and credit unions may take up to a week.

» MORE: Best lenders for quick cash

Once you receive funding, expect your first loan payment to be due within 30 days. If you’ve opted into automatic payments, the funds will be debited from the bank account you provided. Add your monthly payment amount to your budget to manage your debt repayment .

on NerdWallet

Home » Letters » Bank Letters » Loan Application Letter | Sample Application Letter to Bank Manager for Loan

Loan Application Letter | Sample Application Letter to Bank Manager for Loan

To, The Loan Officer, __________ (Bank Name), __________ (Branch Address)

Date: __________ (Date)

Subject: Loan Application

Dear Sir/Madam,

I am writing to apply for a loan from __________ (Bank Name) to __________ (state the purpose of the loan, e.g., purchase a home, start a business, etc.).

I am __________ (Your Name), and I have been a loyal customer of __________ (Bank Name) for __________ (mention duration, if applicable). I believe that with your financial assistance, I will be able to achieve my goals and fulfill my financial obligations.

I am requesting a loan amount of __________ (mention loan amount) with a repayment period of __________ (mention repayment period). I have attached all the necessary documents, including proof of income, identification, and any other relevant documents required for the loan application process.

I assure you that I am capable of repaying the loan amount in a timely manner, as per the agreed terms and conditions. I am open to discussing the details of the loan application and providing any additional information if required.

Thank you for considering my loan application. I look forward to a favorable response from your end.

Yours sincerely,

__________ (Your Name) __________ (Your Contact Information)

By lettersdadmin

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13+ Loan Application Letter Templates

Thinking of asking for a loan? Opening up a business and need the extra money to kick your idea into existence? Loan applications form are a standard piece of document that is significant when asking for a sample loan , and in this website, we provide you with ample of application letter templates for loan to choose from and use.

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Loan Application Letter Templates

What Is a Loan?

How to fill out a loan application, employee loan application letter template.

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Tips before Filling for a Loan

Why do I need the loan for?
How will it help my business?
How will I spend it?
Who will manage the loan?
Start by filling up the basics, such as the type of business, the name, contact numbers, and the legal structures.
Typically after the application, there will an agreement concerning fees associated with the loan. These should be discussed personally with the lender.
Be sure to double-check that every question is filled. If anything is amiss, the application might end up with the underwriter and may be delayed.
Be sure to bring plenty of back up documents when meeting personally the lender. These documents include a resume, a credit report templates, past tax returns, the business plan templates, and balance sheets .
Do not be afraid to include too much information so that there would be an assurance of confidence from you lender that it is strictly business and is legitimate.

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How To Write A Letter Of Application For A Loan

Are you asking “how do I write a letter of loan request for a company?” or wondering “how to write an application letter for a loan in a microfinance bank?” Search no further, this guide is specially made for you to get the financial help you need, using our free loan application letter sample.

When requesting a loan from a bank, lender, or other financial institution, a letter of application is frequently required. You must include this letter in your loan application. If you describe your company’s background and current financial situation, as well as how you intend to use the loan funds and how you will repay them, the bank is more likely to approve your loan application.

Let’s take a look at the components of a loan application letter, explain how to write one, and walk you through writing a sample letter of your own. A formal letter of application for a loan is delivered to the lender at the time the loan is requested. Why you require the loan should be stated in the letter, as how you intend to spend the funds, and how you intend to pay back the loan.

A crucial step in the loan application process is the application letter. The lender will have the opportunity to find out more about you and how you’re doing financially. You can increase your chances of having a loan approved by writing a strong application letter.

Tips for creating a strong loan application letter:

Be succinct and clear.

Lenders shouldn’t have to read through a lot of extraneous details in order to understand your loan request.

Be precise.

Describe your reasons for needing the loan, the amount you require, and your intended use for the funds.

Be sensible.

Asking for more money than you need is improper. Tailoring your cloth according to your size is one proverb that should be strictly applied when applying for a loan.

Be truthful.

Don’t misrepresent anything or make any false claims and before sending your letter, carefully proofread it.

Here is an example of an application letter for a loan:

[Your Name]

[Your Address]

[City, State ZIP Code]

[Your Phone Number]

[Your Email Address]

To Whom It May Concern

I am writing to apply for a loan in the amount of #50,000 from your bank. I have been a customer of your bank for 5 years and have always been satisfied with your services.

I am requesting this loan to consolidate my credit card debt. I have been carrying a balance on my credit cards for the past few years and I am now paying over 20% interest on my debt. I am hoping to refinance my debt with a lower interest rate and save money on my monthly payments.

I am currently employed as a software engineer at XYZ. I have been with this company for 3 years and have a good performance record. I have a solid credit history and am a member of the National Institute of Finance Management.

A copy of my most recent pay stub, a credit report, and a letter from my employer attesting to my employment and salary are all enclosed. I would appreciate the chance to go over my loan application with you in more detail. I appreciate your consideration and time.

[Your Name ]

The first step in obtaining the financial assistance you require is to prepare an efficient and extensively reported loan proposal, which calls for knowledge of how to write a loan application letter. While an enterprise loan requires a strong credit history and receivables, personal loan approval is primarily based on your credit score and prudent financial planning.

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How to Write a Loan Letter to Your Bank

How a Letter to the Bank Might Get Your Loan Approved

Why Write a Letter to Your Bank?

Letter for a Mortgage Application

Parts of a Loan Letter to a Bank

Sample outline for a loan letter.

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Sometimes getting a loan is as easy as filling out an application. But as dollar amounts increase or the situation gets more complicated, lenders may want reassurance. They could even ask you to explain why your loan is a good idea.

If your bank wants more than the basic information that goes on an application, a letter to the bank could be in order. Some banks specifically request letters, while others might appreciate any extra steps you take to try and win the loan.

Learn how a loan letter can improve your application and what you should include in one.

When you write a loan letter to accompany your application, you have the chance to explain exactly why the lender should approve your request. It gives you an opportunity to:

Add commentary on topics that do not appear in a standard application
Explain your financial situation thoroughly
Lay out your plan for using and repaying the loan
Address any weak spots in your application or finances

Loan letters can be particularly beneficial for small businesses, which often need capital to grow but may not meet the strict requirements laid out by bank loan applications.

Like a cover letter for a job application, a loan letter is your chance to make your case on your terms.

Loan Letter for a Mortgage Application

If you are applying for a mortgage and your application has some weak spots or unexplained elements, writing a loan letter can increase your chances of approval or of receiving a lower interest rate.

You may need to write a letter to accompany your mortgage application if you have:

Multiple names on your credit report
Negative entries in your credit report
Gaps in employment
Atypical sources of incomes, such as a small business or freelance work
A recent change in jobs
Unusual activity in your bank account
Former delinquencies or bankruptcies

A loan letter gives you a chance to explain these things and address any concerns they may create for the bank.

When writing a letter to accompany your loan application, you need to both keep things brief and provide sufficient detail to make a convincing argument.

Even while keeping things concise, however, there is still specific information you will want to include.

Who and What

Tell the bank a little bit about yourself. If you're applying for a business loan , be sure to include information about the whole team, including the number of employees and how long you've been in business.

Highlight any strengths, designations, or credentials you've earned, as well as successes in your past. Don't go overboard: just pick just a few of the most impressive and relevant things that come to mind.

Lay out the specific amount that you are requesting for your loan. But sure to include the timeframe, such as $100,000 to be repaid over five years.

Explain exactly how you will use the funds. Your lender needs to know that the money will be put to good use.

For example, if you have been turning away business because you didn't previously have capacity, let your lender know about this unmet demand and your ability to satisfy it.

Demonstrate that you have done some market research and know how the loan will impact your business or personal finances .

Your lender needs to know how you’ll fund the repayment. Will you repay a personal loan from your salary or a business loan from increased revenues?

Be specific about how and why your earnings will increase as a result of the loan.

Your lender will notice if you have bad credit or insufficient income to repay the loan. When you address those issues directly, you signal that you're a serious borrower who understands what's at stake.

Be polite and formal in your language, addressing your letter to the loan officer or specialist that you are working with and ending with "Sincerely" or "Regards." Be sure to include your full legal name, address, and contact information.

Like a cover letter for a resumé, aim to keep your loan letter no longer than one page.

Sample for a Small Business Loan Letter

Overview : “ACME Enterprises specializes in… and has been in business since 2007...”
Reason : “I’m writing to request a loan for $100,000…”
Professional information : “ACME Enterprises was founded by Jane Doe, who has over 10 years of industry experience. The marketing team is led by John Jones, who previously helped grow XYZ Corporation…”
How funds will be used : “Our goal is to increase the number of daily service visits by purchasing an additional vehicle and related equipment. The total cost of these investments is…”
Benefit : “Currently we are unable to respond to 30% of requests for service, which results in customers calling our competitors or switching products. We will be able to profitably respond to all of those calls with the additional equipment…”
Basic financial information : “ACME Enterprises currently operates at a profit. Revenue from the previous year was $X, and net income was $Y…”
Concerns : Anything else that shows you’ve done your homework and deserve the loan.
Closing : “Please see the enclosed business plan, and feel free to contact me with any questions you have at…”

You will also need to submit a business plan with your loan application. Think of your introductory letter as an abbreviated version of the business plan.

Sample for a Mortgage Loan Letter

Personal information : “My spouse and I have recently submitted a mortgage application at XYZ Bank, our full names and contact information are...”
Basic financial information : “You will see in our application that our joint income for the last ten years has ranged from $X to $Y..."
Concerns : “I’m writing to explain my irregular income and why this will not impact my ability to repay the mortgage I have applied for…”
Explanation : "Since 2011, I have been self-employed. My business is ABC Enterprises, which provides freelance ABC services for clients such as... My business has made an annual income of no less than $XX for the last ten years, out of which my personal salary has increased from $X to $Y. In the enclosed business plan, you will see that due to These Market Factors I expect demand to continue increasing as I expand my services..."
Closing : “Thank you for your time and attention, and feel free to contact me with any questions you have at…”

The lending decision ultimately depends on the financials, such as your credit scores , income, collateral , and ability to repay the amount you borrow. But a loan letter can improve your chances by explaining your situation and the impact the loan will have on those factors.

Sample Loan Request Letter To Employer: Free & Effective

In this article, I’m eager to share a comprehensive, step-by-step guide on how to write an effective loan request letter to your employer, including our customizable templates to get you started.

Key Takeaways Understanding the Purpose: Learn the importance of a loan request letter and how it can facilitate your loan process. Key Components: Discover the essential elements that make your letter clear and compelling. Tone and Structure: Guidance on maintaining a professional tone and a structured format. Free Template: Access a user-friendly template that you can adapt to your specific needs. Follow-Up Strategies: Tips on how to follow up after sending your letter.

Understanding the Purpose of Your Letter

Your loan request letter is more than just a formality. It’s your opportunity to explain your financial situation and demonstrate how the loan would benefit you.

For instance, when I needed funds for a medical emergency , articulating my needs clearly helped my employer understand the urgency and legitimacy of my request.

professional-looking office desk with a well-organized stack of papers on one side. At the top of the stack, there's a letter for loan request

Key Components of the Letter

Your loan request letter should include:

Introduction: Briefly introduce yourself and your position in the company.
Statement of Purpose: Clearly state that you are requesting a loan.
Explanation of Need: Detail the reason for the loan request.
Loan Amount and Repayment Plan: Specify the amount needed and propose a feasible repayment plan.
Gratitude and Professionalism: Express your appreciation for considering your request and maintain a professional tone.

Crafting the Letter: Tone and Structure

Maintaining a respectful and professional tone is crucial. Address your employer formally, and ensure that your letter is error-free. The structure should be simple and straightforward, making your request and reasons easy to understand.

Sample Loan Request Letter To Employer

To help you get started, here’s a customizable template:

[Insert Your Name] [Insert Your Job Title] [Insert Date]

[Employer’s Name] [Company’s Name] [Company’s Address]

Dear [Employer’s Name],

I am writing to formally request a personal loan from [Company’s Name] to [briefly explain the purpose of the loan]. As a dedicated [Your Job Title] for [number of years] years, I’ve always admired our company’s support for its employees in times of need.

[Explain your situation and why you need the loan. Be honest but concise.]

I am seeking a loan of [Insert Loan Amount] and propose a repayment plan of [detail your repayment plan]. I am confident that this arrangement will not impact my ongoing commitments and responsibilities towards my role at [Company’s Name].

I appreciate your consideration of my request and am available to discuss this matter further at your earliest convenience.

Thank you for your time and understanding.

Sincerely, [Your Name]

Follow-Up Strategies

After sending your letter, wait for a reasonable amount of time before following up. If you haven’t received a response in a week or two, a polite inquiry to confirm receipt of your letter is appropriate.

Tips for Success

Personalize Your Letter: Tailor the template to fit your specific situation.
Be Honest and Direct: Clearly state your needs and reasons.
Proofread: Ensure your letter is free from errors.
Follow Company Protocol: Understand and adhere to your company’s policies regarding loans.

Remember, a well-written loan request letter can significantly increase your chances of having your request approved.

By following these guidelines and using the provided template, you can craft a letter that effectively communicates your needs and maintains your professionalism.

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Frequently Asked Questions (FAQs)

Q: How Do I Write a Loan Request Letter to My Employer?

Answer: When I needed to write a loan request letter to my employer, I started by addressing the letter to my direct supervisor or the HR department, since they are typically in charge of handling such requests. I made sure to include the date and a formal greeting.

In the first paragraph, I clearly stated my request for a loan and the specific amount I needed. I found it important to be straightforward and concise.

In the second paragraph, I explained why I needed the loan. For instance, I might have mentioned an unexpected medical expense or urgent home repair. It’s crucial to provide a legitimate and compelling reason, as this helps in making your request more understandable and relatable.

Then, I proposed a repayment plan. I detailed how I intended to repay the loan, including the time frame and whether the repayments would be deducted from my salary. Being clear about repayment showed responsibility and planning on my part.

I concluded the letter by expressing my gratitude for considering my request and provided my contact information for any further discussion. I signed off the letter with a formal closing, like “Sincerely,” followed by my name.

It’s important to proofread the letter for any errors and ensure it maintains a professional tone throughout. Remember, a well-written and thoughtful letter can greatly increase your chances of your request being considered favorably.

Q: What Information Should I Include in My Loan Request Letter to My Employer?

Answer: When I wrote my loan request letter to my employer, I made sure to include several key pieces of information:

Personal Information: I started with my full name, employee ID (if applicable), department, and position within the company. This helped to identify me clearly to the employer.

Loan Amount and Purpose: I specified the exact amount I was requesting and gave a clear and honest explanation of why I needed the loan. Whether it was for medical bills, education, or home repairs, being transparent about the purpose was crucial.

Repayment Plan: I outlined a feasible repayment plan. This included how much I could pay per month and for how long. I also suggested if the repayments could be deducted directly from my salary, which showed my commitment to repaying the loan.

Gratitude and Understanding: I expressed my appreciation for their consideration of my request. I also acknowledged that they might need time to make a decision or require additional information from me.

Contact Information: I included my contact details, such as my phone number and email address, making it easy for them to reach out to me for any further discussions.

By including these details, I ensured that my letter was comprehensive and respectful, increasing the likelihood of a positive response.

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This post is well-structured and informative, making it a valuable resource for anyone needing to approach their employer for a loan.

This is a great resource for anyone unsure about how to approach their employer for a loan.

1 Loan Officer Cover Letter Example

Loan Officers excel at evaluating, authorizing, and recommending approval of loan applications, skillfully balancing risk and reward. Similarly, your cover letter is your chance to demonstrate your ability to assess and manage professional risks and rewards, showcasing your skills, experiences, and dedication. In this guide, we'll delve into the best cover letter examples for Loan Officers, helping you craft a compelling narrative that resonates with recruiters.

Cover Letter Examples

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The best way to start a Loan Officer cover letter is by addressing the hiring manager directly, if their name is known. Then, introduce yourself and state the position you're applying for. You should also briefly mention your relevant experience in the field. For instance, "Dear [Hiring Manager's Name], I am writing to apply for the Loan Officer position at [Company's Name]. With my extensive experience in providing loan services and my proven track record in maintaining customer relationships, I am confident I can contribute significantly to your team." This approach shows professionalism and a clear understanding of the role.

Loan Officers should end a cover letter by summarizing their interest in the position and their qualifications. They should also express their eagerness to contribute to the company's success. A strong closing might be: "I am excited about the opportunity to bring my unique blend of skills and experience to your team and am confident that I can contribute to your company's success. Thank you for considering my application. I look forward to the possibility of discussing this opportunity further." Always remember to end with a professional closing such as "Sincerely" or "Best regards," followed by your name. This ending reiterates your interest, highlights your suitability, and opens the door for further communication.

A Loan Officer's cover letter should ideally be about one page long. This length is sufficient to introduce yourself, explain why you're interested in the position, and highlight your most relevant skills and experiences without overwhelming the reader. The goal is to provide a concise, yet compelling narrative about your qualifications for the job. Remember, hiring managers often have many applications to review, so keeping your cover letter concise and to the point increases the chances that it will be read in its entirety.

Writing a cover letter with no experience as a Loan Officer can seem challenging, but it's important to remember that everyone starts somewhere. Here's a step-by-step guide on how you can approach it: 1. **Start with a Professional Greeting**: Address the hiring manager by name if possible. If you can't find the name, use a professional greeting like "Dear Hiring Manager." 2. **Introduction**: Begin your cover letter by introducing yourself and expressing your interest in the Loan Officer position. Mention where you found the job posting and why you are interested in the role and the company. 3. **Highlight Relevant Skills**: Even if you don't have direct experience as a Loan Officer, you likely have other relevant skills that can be transferred to the role. These might include customer service skills, analytical skills, attention to detail, or sales experience. Use specific examples to demonstrate these skills. For example, if you have a background in finance or banking, you can discuss how this has given you a strong foundation in understanding loan processes, risk assessment, and financial advising. 4. **Showcase Your Education**: If you have a degree in finance, economics, or a related field, be sure to highlight this in your cover letter. You can also mention any relevant coursework or projects that have prepared you for the role of a Loan Officer. 5. **Express Your Willingness to Learn**: As you're applying for an entry-level position, employers will be looking for candidates who are eager to learn and grow. Express your willingness to learn and adapt to new responsibilities. 6. **Close Professionally**: In your closing paragraph, reiterate your interest in the position and thank the hiring manager for considering your application. Provide your contact information and express your hope for further discussion. 7. **Proofread**: Finally, make sure to proofread your cover letter for any spelling or grammar mistakes. A well-written, error-free cover letter shows your attention to detail and professionalism. Remember, the goal of your cover letter is to show the hiring manager why you would be a good fit for the role, even without direct experience. Highlight your relevant skills, education, and your eagerness to learn, and you'll be on your way to crafting a compelling cover

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Loan Officer Cover Letter Examples

Use these Loan Officer cover letter examples to help you write a powerful cover letter that will separate you from the competition.

Loan officers work with clients to identify and assess their borrowing needs. They also work with lending institutions to get the best rates for their clients.

In order to be a successful loan officer, you need to be able to build relationships with clients and have a strong knowledge of the lending industry.

Use these examples to write a cover letter that will help you get the job you want.

Formal/Professional Writing Style Example

With a strong background in finance and over five years of experience in the banking industry, I am confident in my ability to excel as a Loan Officer at [Company Name]. My passion for providing excellent customer service and my expertise in analyzing financial data make me a strong candidate for this position.

In my current role as a Loan Officer at [Current Company], I have demonstrated exceptional skills in understanding clients’ financial needs and providing tailored solutions to meet their requirements. My ability to develop and maintain relationships with both colleagues and clients has proven invaluable in facilitating efficient loan processing and approvals.

My accomplishments in this role include:

– Successfully managing a loan portfolio worth $10 million, resulting in a 98% repayment rate and consistently exceeding target goals. – Implementing new risk assessment strategies, which reduced loan delinquency rates by 15% over a 12-month period. – Training and mentoring junior loan officers, fostering their professional growth and increasing team productivity.

Alongside my excellent communication and interpersonal skills, I have a Bachelor’s degree in Finance from [University Name] and possess sound knowledge of lending regulations and compliance. I am confident that my ability to accurately analyze clients’ financial positions and deliver personalized loan strategies will make me an asset to your team at [Company Name].

I am excited about the opportunity to contribute to your company’s ongoing success and be part of your dynamic Loan Officer team. I am available to discuss my qualifications further at your earliest convenience. Thank you for considering my application, and I look forward to speaking with you.

[Your Name]

Entry-Level Writing Style Example

As a recent finance graduate and a highly motivated individual, I believe my academic background and eagerness to learn make me an ideal candidate for this role.

I recently obtained my Bachelor’s Degree in Finance from XYZ University, where I gained a strong understanding of financial principles, risk management, and credit analysis. Throughout my coursework, I have developed a keen interest in mortgage lending and was particularly drawn to your company’s commitment to helping clients achieve their homeownership dreams.

While completing my degree, I had the opportunity to intern at a local credit union, where I provided exceptional customer service and assisted in processing loan applications. This experience allowed me to see first-hand how the lending process works and solidified my passion for pursuing a career as a Loan Officer. I also honed my communication and problem-solving skills, which I believe are integral to succeeding in this position.

I am excited about the opportunity to join your team and contribute to XYZ Company’s continued growth and success. I am eager to apply my educational background and enthusiasm for this industry in a role such as this, where I can further develop my skills and grow within the company.

Thank you for considering my application. I look forward to the opportunity to discuss my qualifications further and am available for an interview at your convenience.

Networking/Referral Writing Style Example

I was recently referred to your company by Mr. James Smith, a valued colleague and long-time friend of mine at XYZ Bank. Mr. Smith impressed upon me the high standards of professionalism and customer service that your organization maintains, and I am confident that my background and experience make me a strong fit for this role.

Having worked in the financial industry for more than five years, I have gained extensive knowledge of loan products, credit risk assessments, and regulatory requirements. I pride myself on my ability to devise tailored solutions to meet the varied financial needs of clients, ensuring a positive customer experience.

In my previous role as a Loan Officer at ABC Bank, I was responsible for managing a portfolio of 200 clients with an overall loan value exceeding $50 million. I earned a reputation for excellent customer service and maintained a 95% loan approval rate, contributing significantly to the growth of the bank.

Furthermore, my strong analytical skills and attention to detail enable me to excel in assessing the creditworthiness of potential borrowers, minimizing risk, and ensuring compliance with all relevant regulations.

In closing, I am eager to contribute my expertise to your team as a Loan Officer and am confident in my ability to make a significant impact at your organization. Thank you for considering my application, and I look forward to the opportunity to discuss my suitability for this role in greater detail.

Enthusiastic/Passionate Writing Style Example

As a highly motivated and dedicated individual, it has always been my dream to contribute my expertise to a renowned financial institution such as yours. It is your company’s commitment to clients and dedication to responsible lending that has always resonated with me and aligns with my professional vision. It would be an incredible honor to be a part of your team and help individuals and businesses alike achieve their financial goals.

With a strong academic background in finance, years of experience in customer service, and a track record of successful loan management, I am confident that I possess the necessary skillset and passion to excel in this position. My experience has thoroughly equipped me to assist clients in a empathetic and knowledgeable manner, guiding them through the lending process and ensuring that they can make well-informed decisions.

What sets me apart from other candidates is my unrelenting enthusiasm and love for my work. It is my belief that great Loan Officers not only possess strong analytical skills and financial knowledge, but also a deep understanding of their clients’ needs and a genuine excitement to help them achieve success. As a driven and proactive problem solver, I eagerly seek out creative solutions and never shy away from challenges.

I am confident that my passion, dedication, and skills will be assets to your company and contribute to its continued success in the community. I look forward to the opportunity to speak with you further about how my expertise aligns with your goals and how, together, we can make a tangible impact in people’s lives.

Thank you for considering my application, and I hope to join your exceptional team of Loan Officers soon.

Problem-Solving Writing Style Example

As an experienced banking professional with a solid understanding of the industry, I am aware that one of the key challenges facing financial institutions today is effectively managing risk while maintaining customer satisfaction. With my strong background in assessing credit, efficient decision-making, and my ability to build long-lasting relationships, I am confident that I can help address these challenges and contribute positively to your company.

Throughout my career, I have consistently demonstrated a keen ability to scrutinize borrowers’ financial profiles and accurately evaluate their creditworthiness. This has not only allowed me to protect my employer’s interests but also resulted in dynamic growth in loan portfolios. I understand that a high level of financial integrity is essential in the current banking climate, and I am prepared to utilize my expertise to manage the risk to your business while ensuring customers receive the best possible service.

Furthermore, I recognize the importance of engaging with customers in today’s increasingly competitive market effectively. As a Loan Officer, I have maintained excellent customer satisfaction rates by promptly addressing concerns, providing targeted solutions, and nurturing valuable relationships. My strong communication skills have allowed me to work efficiently with both customers and colleagues, helping to streamline processes and create an environment of trust and cooperation.

To support my application, I have enclosed my resume that outlines my relevant experiences and achievements. I am excited about the opportunity to contribute positively to your organization as a Loan Officer and am eager to discuss my qualifications further at your earliest convenience.

Thank you for considering my application. I look forward to the possibility of working with you.

Storytelling/Narrative Writing Style Example

I recall the day when my parents’ small business encountered financial difficulties and they needed a loan to keep it afloat. I accompanied them to the bank, where we were greeted by a loan officer who treated us with empathy and guided us through the entire process. His professionalism and expertise not only helped my parents secure the loan they needed but also left a lasting impression on me. From that day on, I knew I wanted to be in a position where I could make a positive impact on people’s lives by helping them navigate through financial challenges.

As a graduate in finance and with over five years of experience in the banking sector, I believe that my background in financial analysis and customer service have prepared me well to excel as a Loan Officer. In my previous role at XYZ Bank, I successfully processed over 200 loan applications, resulting in a 95% approval rate. Maintaining strong relationships with clients and ensuring their satisfaction was always my top priority. I was recognized for my commitment to excellence and awarded the “Employee of the Year” in 2019.

I am confident that my passion for helping others, combined with my strong financial background and customer service skills, make me the ideal candidate for the Loan Officer position at your organization. I am excited about the opportunity to contribute to your team and support your clients in achieving their financial goals.

Thank you for considering my application. I look forward to the opportunity to discuss my qualifications further and demonstrate my enthusiasm for this role.

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Biden's latest student-loan forgiveness plan brings questions for borrowers: What to know

Some student loan borrowers may not take advantage of President Joe Biden's final plan to eliminate debt for millions because they don't know if they're eligible, don't understand the process or think it is a scam.

On Monday, Biden promised student loan relief by the fall with his final proposal. This plan comes less than a year after the Supreme Court blocked his initial attempt.

Under the proposed plan, more than 4 million borrowers who have been paying down their student loans for 20 years or more could have their debt completely canceled, according to the White House. The plan would also help more than 10 million borrowers by giving them $5,000 or more in relief, Biden's administration said.

Biden also aims to help 23 million borrowers by eliminating interest past the original loan amounts.

How to apply for student loan forgiveness?

If eligible for debt relief, borrowers should periodically check their emails for updates from their student loan servicers and Federal Student Aid .

Learn more: Best personal loans

While Biden works on his final proposal, eligible borrowers can apply on the Federal Student Aid website for other kinds of relief, including if they have a disability , work for a nonprofit , or are a teacher , government employee or medical professional .

Borrowers repaying their loans for 20 to 25 years can apply for income-driven repayment (IDR) loan forgiveness.

Several other loan forgiveness options are available on the Federal Student Aid website, but borrowers should check if they're eligible by looking closely at each selection. Victims of forgery, borrowers who declared bankruptcy and Perkins loan borrowers are examples of individuals eligible for forgiveness.

What document explains your rights and responsibilities as a federal student loan borrower?

A Master Promissory Note (MPN) is a binding legal document borrowers must sign before they receive a federal student loan promising they'll repay the loans and any accrued interest and fees to the U.S. Department of Education, according to Federal Student Aid.

Student loan debt: Averages and other statistics in 2024

There is one MPN for direct subsidized/unsubsidized loans and a different MPN for direct PLUS loans. All MPNs can be signed electronically.

"You may receive more than one loan under an MPN over a period of up to 10 years to pay for your or your child’s educational costs, as long as the school is authorized to use the MPN in this way and chooses to do so," the Federal Student Aid website says.

Am I eligible for student loan relief?

By checking their emails, borrowers typically receive messages explaining whether they're eligible for relief and what type they can apply for.

If not signed up for emails, borrowers can visit the Federal Student Aid website and check their eligibility by hovering over the "loan forgiveness" tab and clicking "types of loan forgiveness."

Once the borrower clicks "types of loan forgiveness," they will be taken to a page showing the available relief options. Borrowers then can check their eligibility.

Be aware of student loan scams

Federal Student Aid warns borrowers to be aware of scams because they "might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee."

"You never have to pay for help with your federal student aid," the office's website says. "Make sure you work only with the U.S. Department of Education, the office of Federal Student Aid, and our loan servicers, and never reveal your personal information or account password to anyone."

The emails to borrowers come from [email protected], [email protected] and [email protected].

Borrowers can report scam attempts to the Federal Trade Commission by calling 1-877-382-4357 or by visiting reportfraud.ftc.gov.

Student loan scam involving 'Mission Hills Federal'

The Federal Trade Commission announced March 13 that it is sending more than $4.1 million in refunds to 27,584 borrowers who "lost money to student loan debt relief scammers who lured consumers with fake loan forgiveness claims and pocketed their money," according to a news release.

The scheme, which "tricked students into paying hundreds to thousands of dollars" since 2014, went by many names including Mission Hills Federal, Federal Direct Group, National Secure Processing and The Student Loan Group.

The group made the borrowers pay "illegal upfront fees and pretended to lower consumers’ monthly student loan payments," according to the FTC. The operators also deceived borrowers into sending their monthly student loan payments directly to them by "falsely claiming to take over the servicing of the consumers’ loans," the agency said.

"In reality, few payments were actually applied to consumers’ student loans and in many cases, none at all," the FTC said. "Instead, the defendants kept consumers’ money for themselves."

Introduction

How installment loans work, advantages and disadvantages, how to save money on an installment loan, understanding installment loans: a comprehensive guide.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews.

An installment loan is a lump sum of borrowed money that is repaid monthly.
Mortgages, auto loans, personal loans, and student loans are a few examples of installment loans.
When shopping for an installment loan, pay attention to interest rates, repayment terms, and fees.

When consumers need to borrow money, they have two main options — revolving credit or an installment loan. Each type of lending product has its own set of pros and cons.

Revolving credit lines, like credit cards, can be a good way to pay for smaller loan amounts that you plan to repay in a short period of time. But if you want to borrow a large amount of money and would like to repay it over a longer period, an installment loan will be a better fit.

Here's what you need to know about installment loans.

Definition of an installment loan

An installment loan is a specific amount of borrowed money that is paid back through monthly payments over time. Installment loans can be either secured (requiring you to put up collateral such as your home or automobile) or unsecured (which you can get based solely on your creditworthiness.)

Several of the loans that consumers are most familiar with are installment loans. Here are a few examples:

Personal loans
Student loans

Point-of-sale financing offers and "no credit check" emergency loans are often set up as installment loans as well.

The loan application process

You can apply for an installment loan with just about any bank or credit union. You can also look at online personal loan lenders like Lightstream, SoFi, Avant , or others.

In some cases, you may be able to take out an installment loan directly from the company that you're buying a product from, like your auto dealership or furniture financing from your local furniture store.

Finally, borrowers can take out short-term emergency installment loans. Payday lending stores are some of the most notorious places for borrowers to get emergency cash. Payday loans can be incredibly expensive , often charging interest rates of 400% or more.

Related: The best loans for fair credit »

Interest rates and repayment terms

The first thing you'll want to look at with an installment loan is the interest rate you're being offered. Be sure to check whether the rate is fixed or variable. Interest rates can be fixed of variable, and interest is included in the monthly payments. The amount of time it takes to pay off the loan completely (the term) can range from a few months to 30 years.

You may be able to get a lower initial rate with a variable-rate loan, but that rate could also go up over time. If you plan to pay back your loan quickly, a variable-rate installment loan could save you money. But if you'll be in repayment for several years, locking in your interest rate with a fixed-rate loan may be the best way to go.

If you need emergency cash, consider applying for a Payday Alternative Loan (PAL) with your local credit union first. PALs cap interest rates at 28% and never charge more than $20 in fees.

Calculating monthly payments

While installment loans have fixed monthly payments, most lenders will allow you to pay extra whenever you'd like. By paying your loan off earlier than agreed, you could cut out several months or years of loan interest. In general, the longer the term, the more interest you'll pay. But a longer term will also typically mean lower payments. If you're looking to save the most money overall, try picking a shorter term. But if monthly cash flow is your top priority, a longer term could make sense.

Next, check to see what origination fees (if any) the lender charges. Oftentimes, origination fees are a set percentage of the loan amount. But short-term loans may charge a flat fee instead. Shop around to try to find lenders that charge reasonable fees, or preferably none at all.

Benefits of installment loans

If you like the idea of being able to know exactly when your loan will be paid off, an installment loan could be a great fit. And since they typically come with predictable monthly payments, installment loans can be easier to budget for.

Potential drawbacks

However, flexibility is one area where installment loans fall short. Once the funds have been disbursed, you can't borrow any more from an installment loan. So if you're not sure exactly how much money you'll need, a revolving line of credit may be a better option.

The interest rate that you're offered on an installment loan will be based, in part, on your credit score. So improving your credit score before you apply is one of the best ways to save money on an installment loan.

How can you improve your credit score ? Making on-time payment on all your credit accounts is a great start. And lowering your credit utilization rate could give your score a quick boost as well. Also, periodically check your credit report for mistakes. If you find any, be sure to fix them before you apply for an installment loan.

Another potential way to qualify for better rates on installment loans is to improve your debt-to-income ratio . For example, paying down your credit cards or paying off your auto loan before you apply for a mortgage could make a difference in what rate you're offered.

Yes, many installment loans allow let you pay them off early, but it's important to check if your lender charges a prepayment penalty, as this could affect the total cost of your loan.

Interest rates on installment loans are determined by your credit score, loan amount, loan term, and the lender's policies. Generally, a higher credit score can help you secure a lower interest rate.

Most lenders perform a credit check before issuing an installment loan to assess creditworthiness. Some lenders place less of an emphasis on credit scores, though they typically come with higher interest rates.

An installment loan can impact your credit score in several ways. Timely payments can help improve your credit score, while late payments can lower it. Additionally, the loan application process may result in a hard inquiry, which can temporarily reduce your credit score.

Yes — Secured installment loans require collateral, like a car or home, which the lender can seize if you default on the loan. Unsecured loans require no collateral, but typically have higher interest rates due to the increased risk.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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16 Loan Application Letter Samples
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PDF. Download Now. If you are planning to craft an effective loan application letter in pdf, it would be easier for you to make one if you refer to the loan application letters available on this page. These sample loan are available in PDF and loan word formats, thus making it easier for you to access and edit these should you deem it appropriate.
Loan Application Letter
Subject: Loan application letter. Dear Sir/Madam, I have a savings account in your bank for the last five years. I want to avail a home loan from your bank. I would like to know the details to seek a home loan from your bank. I am a salaried employee, and I work for a central government organisation as a research scientist.
How to Write a Loan Application Letter
Your name. Company name. Company phone number. Company address. Loan agent or lender's name and title. Loan agent or lender's contact details. A subject line stating the desired loan amount. Follow this by incorporating a greeting right below the header so that you introduce your application with a friendly tone. 2.
Loan Application Letter Template for Word
Loan application letter: Dear [Recipient's Name], It is stated that I am writing this letter to request a loan from the finance office of your company because of some of my very peculiar and essential needs. My mother is seriously ill, and I must get her treated at the hospital, for which I need money. Please accept my loan application and ...
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Loan Application Letter
I assure you that I am capable of repaying the loan amount in a timely manner, as per the agreed terms and conditions. I am open to discussing the details of the loan application and providing any additional information if required. Thank you for considering my loan application. I look forward to a favorable response from your end.
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Loan Application Letter
City, State, Zip Code. Home : 000-000-0000 Cell: 000-000-0000. [email protected]. Dear Mrs. Loper, Exactly one year ago I began a small cloth diaper company out of my own home. Over the last year my business has grown significantly to the point where I now need to expand. I am writing this letter to ask for a loan so that I can expand my business.
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Tips for creating a strong loan application letter: Be succinct and clear. Lenders shouldn't have to read through a lot of extraneous details in order to understand your loan request. Advertisement. Be precise. Describe your reasons for needing the loan, the amount you require, and your intended use for the funds. Be sensible.
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Business Loan Application Letter Sample: Free & Effective
Step 2: Start with Your Contact Information. Begin your letter with your contact information at the top, followed by the date and the lender's details. This establishes a professional tone from the outset. Example: Your Name. Your Business Name. Your Business Address. City, State, Zip Code. Date.
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Your loan request letter should include: Introduction: Briefly introduce yourself and your position in the company. Statement of Purpose: Clearly state that you are requesting a loan. Explanation of Need: Detail the reason for the loan request. Loan Amount and Repayment Plan: Specify the amount needed and propose a feasible repayment plan.
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Thank you for considering my application. I look forward to the opportunity to discuss my qualifications further and demonstrate my enthusiasm for this role. Sincerely, [Your Name] Use these Loan Officer cover letter examples to help you write a powerful cover letter that will separate you from the competition.
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The letter F. Facebook. An envelope. ... An installment loan is a lump sum of borrowed money that is repaid monthly. Mortgages, auto loans, personal loans, and student loans are a few examples of ...

How to Write a Loan Application Letter (with Samples)

What is a Loan Application Letter?

The Loan Application Process

Pre-qualification stage

Loan application

Application processing

Essential Elements of a Loan Application Letter

Header and greetings

Business Loan Request Summary

Basic Details about your Business

The purpose of the business loan

Proof that you’ll be able to fully repay the loan

Sample: Loan Application Letter

Sample 2: Personal Loan Application Letter

Do’s and Don’ts of Writing a Loan Request Letter

Things to Remember When Writing a Loan Application Letter

Free Loan Application Letter Templates

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Sample Loan Application Letter

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Sample Loan Application Letter Template

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How to Write a Loan Application Letter

What is a Loan Application Letter?

When Do You Need One?

Essential Loan Application Elements

1. Header and Greeting

2. Loan Request Summary

3. Basic Business Details

4. Loan Usage

5. Proof of How You’ll Pay Back the Loan

6. Give Accurate Information

Tips for Writing a Loan Application Letter

Loan Terms and Penalties

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Loan Application Letter

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How to Apply for a Personal Loan

Step 1: Check your credit

Step 2: Pre-qualify and compare offers

Step 3: Choose your lender and loan

Step 4: Gather loan documents

Step 5: Submit your application and get funded

How does my credit score impact personal loan offers?

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Will pre-qualifying affect my credit score?

What do I need to pre-qualify for a personal loan?

How long will it take to pre-qualify?

What do I need for my loan application?

Loan Application Letter | Sample Application Letter to Bank Manager for Loan

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