Latest · Credit & Loans
Should I Refinance My Auto Loan? — FairRateLoans.com
The break-even math, when it makes sense, and a step-by-step process for refinancing your car loan.
The break-even math, when it makes sense, and a step-by-step process for refinancing your car loan.
Five reasons your rate is above average and specific actions to fix each one.
What personal loan rate you should expect for your credit score — with national benchmarks and tips to get the lowest rate.
Soft pull vs hard pull, which lenders offer pre-qualification, and the rate shopping window that protects your score.
A simple three-step framework to evaluate any loan offer. Works for personal loans, auto loans, mortgages, and student loans.
Yes, you can call and ask. Here's the script, the strategy, and when to just refinance instead.
How to tell if a consolidation loan actually saves you money — or just rearranges the problem at a higher cost.
No legitimate lender guarantees approval. Here's how to spot the scam and what these lenders are actually selling you.
An honest comparison of where to borrow. Spoiler: credit unions win more often than you think.
Rate markups, yo-yo financing, and extended warranty pressure. How car dealer financing works against you.
Legitimate loan options for credit scores under 600. What to avoid, where to look, and how to protect yourself.
Why APR is the number that matters, how lenders use the lower number to mislead you, and how to calculate the true cost of any loan.
New and used car loan rate benchmarks by credit tier. What to expect and how to avoid dealer markup.
Consumer advocates, regulators, and the military all agree: above 36% APR is predatory. Here's the evidence and what to do if your rate exceeds it.