Personal Loan Education

5 Easy Ways to Reduce Your Debt

by David Maldonado | Aug 27, 2018 | Personal Loan Education

Debt, no matter how small, can always be reduced to a more manageable amount. Every small step that you take to reduce your debt puts you on track for a brighter, more free financial future, and there is no one alive who does not want a debt-free, financially stable...

Loan or Line of Credit: Which is Best For You

by David Maldonado | Aug 27, 2018 | Personal Loan Education

Startups usually need a lot of capital to meet the financial obligations that come with opening a new business. Surprisingly, many people don’t know the difference between a loan and a line of credit. Having the knowledge to differentiate the two is crucial when...

Five Ways to Dig Out Of Medical Debt

by David Maldonado | Aug 27, 2018 | Personal Loan Education

You might think that you are financially prepared for an emergency, but the reality is that sometimes unexpected factors will hit you harder than you think. This is especially true if we are talking about our healthcare. Even if you have decent savings and health...

The Skinny on Debt-to-Income Ratios

by David Maldonado | Aug 27, 2018 | Personal Loan Education

Unless you’ve applied for a loan or other form of credit, you may not have heard the term Debt-to-Income Ratio. If you have heard this term during the credit approval process, you may not know what it is referring to. Here is some information that will help you not...

What Information Do You Need to Get a Loan

by David Maldonado | Aug 27, 2018 | Personal Loan Education

There is a lot of information needed to make a loan decision; a lot of information from a variety of sources. Knowing exactly what information lenders need will help you prepare for when you are ready to approach a lender with your desire to obtain a loan. It will...

What Lenders Look For

by David Maldonado | Aug 27, 2018 | Credit Score, Personal Loan Education

If you have been denied for a loan, you may not understand why. Remember, lenders are in the business of loaning out their money to you. They make money through the interest rate on the account. If a borrower does not pay back their debt, then the lender takes a loss....

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Representative Example:


Credit Score	Loan Amount	Term	Sample Monthly Payment / Total Payment	Fee
450+	$2500	5 Years	$90.33 / $5419.80	0%
550+	$2500	5 Years	$76.34 / $4580.40	0%
600+	$2500	5 Years	$63.48/ $3808.80	0%
650+	$2500	5 Years	$55.61 / $3336.60	0%
700+	$2500	5 Years	$49.50/ $2970.00	0%
750+	$2500	5 Years	$47.17/ $2830.20	0%

* Not all candidates will qualify

* Pecunia never charges any upfront fees, if you are asked for any upfront fees
never pay them to anyone for the purposes of borrowing.

* Pecunia never charges any fees ever, simply answer a few questions and be on your way to obtaining a loan in as little as 3 hours.

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5 Easy Ways to Reduce Your Debt

Loan or Line of Credit: Which is Best For You

Five Ways to Dig Out Of Medical Debt

The Skinny on Debt-to-Income Ratios

What Information Do You Need to Get a Loan

What Lenders Look For

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