LoanMart's MoneyTalk articles provide the knowledge, tips, and tricks you need to do more with your money.
Budgeting and Saving
Making a Budget and Sticking to it (13)
Saving for Emergencies (9)
Saving for Retirement (8)
Saving Money on Everyday Purchases (32)
Ways to Earn Additional Income (11)
Improving My Credit
How Do Credit Scores Work? (13)
How Do I Improve my Credit? (10)
Getting and Using a Bank Account
Using Debit Cards (2)
What is the Best Way to Use a Bank Account? (3)
What Type of Bank Account Should I get? (2)
Getting and Using a Credit Card
How do I get a Credit Card? (3)
What is the Best Way to Use a Credit Card? (6)
What Type of Credit Card Should I get? (3)
Getting and Using a Loan
Auto Loans (3)
How do I get a Loan? (7)
Personal Loans (4)
Title Loans (9)
What is the Best Way to Use a Loan? (2)
What Type of Loan Should I get? (4)
Debt Consolidation (7)
Digital Payments (7)
Explanation of Various Financial Terms (8)
Online Privacy and Account Security (5)
Transferring Money (2)
Saving to Buy a House (2)
Credit scores are the number one more common tool that lenders, banks, landlords, and credit card companies use to determine the level of risk you may pose as a borrower or a renter.
Failing to understand what actions affect an individual’s credit score can end up costing them a lot of money. Credit score is what lenders use to determine whether to lend someone money and what kind of interest rate they can give – and when som...
Your credit score is an important asset that is more important than you think. When you have good, positive credit, it opens more doors for you financially. In fact, many lenders will only give you a loan if you have a good credit score. Whether you ...
A credit score matters because it affects many aspects of a person’s life from going to school to buying a house. The credit world, much like the rest of the world, can be a scary place.
As time goes on, a credit score can go through positive and negative growth, but why does an ideal credit matter so much? With an ideal credit score, there are plenty of benefits that one can enjoy!
There are many reasons why mistakes can show up on a credit report. Sometimes these mistakes are simple, such as a credit showing up multiple times, or a clerical error will be made, but these mistakes can be easily disputed.
Credit bureaus are only allowed to list negative marks on your credit report for a certain amount of time. Typically, these negative remarks are only listed for 7 years.
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DISCLOSURES FOR VEHICLE SECURED LOANS MADE BY LOANMART
California loans are made or arranged pursuant to a California Financing Law License. See State Disclosures for additional disclosures.
1Loan approval is subject to meeting the lenders credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.
2Based on consumers who received a loan from LoanMart from February 2002 to October 2018.
3Application processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 2PM PST on a business day.
4To exercise the right to rescind, the consumer(s) must notify the lender in writing by midnight on the third calendar day from obtaining the loan. Within one business day from notice of rescission, the consumer(s) must return any monies received and fees paid on behalf of the consumer(s) by certified funds.
5Lenders recommend and encourage consumers to pay early and often and more in order to avoid additional finance charges.
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DISCLOSURES FOR VEHICLE SECURED LOANS MADE BY CAPITAL COMMUNITY BANK
Loans for Delaware, District of Columbia, Florida, Illinois, Indiana, Kansas, Kentucky, Michigan, Mississippi, Oklahoma, Ohio, Oregon, South Dakota, Tennessee, Texas, and Washington residents are made by Capital Community Bank, a Utah chartered bank located in Provo, Utah, Member FDIC. Loans made by Capital Community Bank will be governed by Utah law and serviced by LoanMart.
†All loan applications are subject to meeting Capital Community Bank’s credit criteria, which include providing acceptable property as collateral. Consumers need to demonstrate ability to repay the loan.