Smart Lending 
An unsecured loan is a financial agreement that does not require you to pledge collateral to get it. The most common unsecured loans include unsecured credit cards, student loans, and personal loans. You can get an unsecured loan from many institutions in person and online. The application process is often less daunting than for a … Read more
When facing overwhelming debt, individuals may consider filing for bankruptcy as a solution to gain financial relief and a fresh start. Many consumers have taken out personal loans to consolidate credit card debt but for many reason are unable to make their payment. One common concern during this process is whether a personal loan can … Read more
Do you have credit card debt? You aren’t alone – about 60% of Americans have credit card debt and the average amount is $6,100, per Experian. While it can be beneficial to have a credit card in a pinch and there are cards with impressive rewards, carrying a lot of debt at a high interest … Read more
Buying a home is a fulfilling dream for many American consumers, but it can be challenging to achieve when burdened with substantial debt. Debt consolidation is often viewed as a potential solution for those looking to buy a home, but it’s essential to understand how different debt consolidation methods could help you or hinder you … Read more
If you are one of millions of Americans with student loans, you may wonder how you will ever pay them off. Fortunately, there are many strategies to paying off student loans faster. If you need help with refinancing your student loans, talk to your lender about interest rates and fees for student loans today. Pay … Read more
Home equity can be a valuable financial resource for homeowners looking to consolidate or eliminate debt. By leveraging the equity built in a property, individuals can access funds at relatively lower interest rates compared to credit cards or personal loans. Thousands of homeowners reduce their debt burdens by consolidating credit card debt with a simple … Read more
Many Americans want to buy a home, which involves getting a mortgage for most of us. A potential obstacle to being a homeowner, however, is having too much debt. When you have a lot of debt on credit cards, car loans, and student loans, it raises your debt-to-income (DTI) percentage, which can make it more … Read more
Interest rates for many loans have soared in recent years, and the rates for credit cards are no different. If you have a lot of debt on credit cards, you could be paying up to 20% or even 30% per year in interest. You don’t have to be a math whiz to understand it can … Read more
Consumers across the U.S. are comparing the 2nd mortgage to an unsecured personal loan when seeking to refinance or consolidate credit card debt. Interest rates continue to climb, and if you have significant credit card debt, you could be paying more than 20% interest per year. With such high credit card rates, it’s understandable that … Read more
As of August 2025, total U.S. consumer debt has surpassed $17 trillion, with credit card balances alone exceeding $1.1 trillion, according to recent Federal Reserve data. In an era of economic uncertainty, where inflation persists and job markets fluctuate, many Americans find themselves grappling with overwhelming debt. For people drowning in unsecured debts like credit … Read more
If you are in the market for any kind of loan in 2024, you might be surprised by what it costs. Inflation and interest rates have risen dramatically in the last two years. The Federal Reserve has increased the federal funds rate many times in recent months to fight surging inflation. While inflation has begun … Read more
Buying a home or refinancing a mortgage can be a lengthy and complex process. It’s not uncommon for borrowers to wonder, mid-process or even after closing, whether they can switch to a different mortgage company. Whether you’re unhappy with your current bank or lender’s service, found a better financing deal elsewhere, or simply want more … Read more