Credit cards have become the preferred method of payment for many Americans and much of the world. It seems like you cannot go anywhere without using your card to make a purchase. In fact, there are many businesses that do not accept cash or check, and will only...
Pecunia Blog
Your Guide on How to Get a Personal Loan with No Credit and No Cosigner
There are many financial sites that will tell you having a cosigner is essential if you have bad credit and need a loan. While I’ll admit it can make the process easier, it also carries a lot of risks that you may want to avoid. That may leave you wondering how to get...
How Hard is it to Get Unsecured Personal Loans for $25,000?
The question of whether or not you can get an unsecured personal loan for $25,000 is a bit loaded. If the question is, “Are there lenders willing to offer that much, even if it’s not to buy a house or a car?” Absolutely there are. Are they willing to lend it to you?...
Your Guide to Getting a Loan with a 500 Credit Score
If you’ve tried to apply for a loan with a 500 credit score in the past, you may have found yourself declined wherever you turned. Perhaps the lender explained to you why they turned you down; perhaps they didn’t. Regardless, it’s not uncommon at all for people to...
6 Essential Terms to Know About Loans for Young People with No Credit History
When you’re young, and just starting off in life, the world is full of possibilities. You spend your days imagining what college will be like and if you’ll like your major. You daydream about what it will be like to live in your own place. You imagine the great...
3 Dangerous Things to Avoid with Limited Credit Experience Loans
When you’re shopping for limited credit experience loans, you are essentially walking through a minefield. Like a minefield, there are safe paths that you can take to your destination, but one wrong step can lead to disaster. This is because there are many lending...
What are the Most Common Reasons People Use Loans For?
We all know that life happens, and when life happens, sometimes we need help. That help can come in the form of emotional support, spiritual support, and of course, financial support. There’s nothing wrong with needing help sometimes either. Some people will tell you...
How to Determine How Much to Borrow When You Take Out a Loan
Most often, when people are shopping for loans, they only focus on borrowing the amount that their end purchase will cost. If I want to buy a $20,000 car, then I’m going to borrow $20,000. Makes sense, right? While this may seem like easy math on the surface, there’s...
Why Having Bad Credit is Better Than No Credit at All
Having Bad credit versus no credit has been a debate among many people for a while now. Everyone has their own reasoning behind why they feel one is better than the other, but you might find it a little difficult to formulate an opinion on that if you haven’t...
When You Don’t Spend Enough: Understanding Credit Utilization
There’s a common saying in many circles of wisdom: that less, is more. You’ve probably heard it uttered by dozens of artists, interior designers, business managers, and auto salesmen. You may have even used it yourself a time or two. Regardless of where it came from...