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Articles to Help You On Your Financial Journey

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Credit, Loans and Debt

Personal Loans vs. Lines of Credit

So you need a Personal Loan. Or do you need a Personal Line of Credit (LOC) Aren’t they basically the same thing? Not exactly, and understanding the key differences will be important in determining which is the better option for you. Let's run through three of the biggest differences between Personal Loans and Lines of Credit:
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  • Couple doing home improvements with their home equity loan
    Home

    What is a Home Equity Loan or Line of Credit?

    If you own your own home, you’ve likely heard about the concept of building equity, and with it a herd of questions: what is equity? How does equity work? How does it benefit me? Our article will sort through some of the information around home equity loans and home equity lines of credit to help you understand them and whether they are a good solution for you.
  • Couple discussing home equity loan versus home equity line of credit
    Home

    Home Equity Loans vs. Home Equity Lines of Credit

    One of the first steps in applying for a Home Equity Loan or Line of Credit (HELOC) is determining which is better for you. It requires a little research, but choosing the home equity product that is best is simply a matter of determining which has the options that suit your individual needs. Our article will compare Home Equity Loans and Home Equity Lines of Credit for you, helping you identify the advantages and disadvantages of each. Then you can assess the pros and cons of each, and measure them against your plans, budget and requirements
  • woman and salesperson by car
    Auto

    The Top 5 Car Buying Mistakes

    It is so easy to get wrapped up in the excitement of buying a new car or truck, but there are common car buying mistakes that can make the experience difficult. How can you avoid car buying regret? This article breaks down the five biggest mistakes you can make when buying a car, and how you can avoid them.
  • reviewing credit score
    Credit, Loans and Debt

    The Top 4 Credit Questions

    You know your credit is important. You know you have a score, and reports. But the rest is a bit of a mystery, and kind of a scary mystery at that. The good news is understanding credit doesn’t have to be mysterious or intimidating. We’re going to break down the four biggest questions everyone has.
  • A couple wondering how does a debt consolidation work?
    Credit, Loans and Debt

    What is Debt Consolidation?

    It can happen seemingly overnight. No matter how hard you tried to manage your spending, you’re suddenly faced with credit card debt you can’t pay. You try to pay your cards down, but that taps into the money you’d usually use for groceries and you find yourself using your card, again, to make those purchases. The stress your credit card bills cause is impacting your entire life, and you’re not sure how to make it stop.
  • car for sale
    Auto

    How to Buy a Car From a Private Seller

    Sometimes you don’t find your dream car at the dealership but from a private seller: a friend, neighbor, or even a complete stranger whose advertisement you happened to see.
  • Couple looking at documents
    Credit, Loans and Debt

    What is a Personal Loan?

    A personal loan is a great option when you need to make a larger purchase, but don’t want to rack up high interest rate credit card debt. It can also be used as an effective means of paying off debt. It’s important to understand the ins and outs of personal loans, though, before you start down the application path.
  • woman in car
    Auto

    What is a Pre-Approved Car or Truck Loan?

    One of the most overwhelming aspects of buying a new car or truck is trying to figure out how to pay for it. Not only is it a huge financial investment, but it seems like everywhere you turn there are car loan advertisements, and of course dealerships offer their own financing.
  • Debit card not working
    Fraud and Security

    Why Has My Debit Card Stopped Working?

    It’s happened to a lot of us. You’re out at the store, or about to pull money from the ATM, and your card stops working. It’s frustrating, and a little scary, but there’s usually a good reason behind the sudden issue. Here are some common reasons your debit card might stop working, and what to do if that happens.