Debt-to-income ratio (DTI) is one of the factors lenders use to determine personal loan approval. Here’s what you need to know about the debt-to-income ratio for a personal loan, how to calculate your ...

Credit card expiration dates are an essential but often overlooked aspect of managing your finances. Printed on every card, these dates indicate when the card will no longer be valid for transactions.

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Tell us how much you make in a year, before taxes. You can include wage income, bonus, commissions, and all other income. This information will be verified later. Alimony, child support or separate ...

When it comes to borrowing, understanding the difference between recourse and nonrecourse loans is essential for making informed financial decisions. These two types of loans differ in terms of the ...

Normally, making a deposit into your bank account is no big deal. However, if you’re planning to deposit a large sum of cash, there are a few things you should know beforehand. Cash deposits over ...

If someone asks you to serve as a cosigner for their car loan, you may have questions about the responsibilities you’d be taking on and what auto loan cosigner requirements you’d need to meet. In ...

Your loan-to-value (LTV) ratio is one of the metrics auto lenders use to help them assess the risk of offering you a car loan or auto loan refinancing. You can calculate LTV for your car with this ...

Deducting auto loan interest on your federal income tax return is not allowed for typical borrowers. But if you’re self-employed and use your car for business, you may be able to write off at least a ...

The global gap insurance market is expected to grow from $3.2 billion in 2021 to $8 billion by 2031, research shows. You may be entitled to a gap insurance refund after refinancing your car loan. That ...

If your credit is less than stellar and you’re in the market for an auto loan refinance, you may be intrigued by ads for guaranteed auto refinancing. All borrowers can’t get approved for guaranteed ...

Universal Credit is an online lender that partners with banks to offer loans of $1,000 to $50,000 with an APR of 11.69% to 35.99%. It provides borrowers with a general personal loan option as well as ...