#How to get a personal loan with no credit

[fincrif]

Personal Loans for People with No Credit History

Introduction

Having no credit history can make it challenging to access financial products such as credit cards and loans. However, obtaining a personal loan is still possible, even if you have no prior credit record. With the right approach, a personal loan can be a stepping stone to building your credit profile and improving financial stability.

In this guide, we will explore how individuals with no credit history can secure a personal loan, the best lenders to consider, and how responsible borrowing can set you on the right financial path.

Understanding Credit History and Its Impact

What Is Credit History?

Credit history is a record of an individual’s borrowing and repayment behavior. It helps lenders assess your creditworthiness and determine whether to approve your loan application.

Challenges of No Credit History

Without a credit history, lenders have no reference to evaluate your repayment habits. This can result in:

Higher interest rates

Limited loan options

Lower approval chances

Despite these challenges, various lenders offer personal loans designed for individuals with no credit history.

How to Get a Personal Loan Without Credit History

1. Apply for a Loan with a Co-Signer

A co-signer with a good credit score can improve your chances of getting approved for a personal loan. The co-signer agrees to repay the loan if you default, reducing the risk for lenders.

2. Opt for a Secured Personal Loan

A secured personal loan requires collateral, such as fixed deposits or assets. Since the lender has a security guarantee, approval chances increase even without a credit history.

3. Look for Lenders Specializing in No Credit Loans

Certain financial institutions offer personal loans tailored for borrowers with no credit history. These lenders evaluate other factors, such as income stability and employment status.

4. Provide Proof of Income and Employment

Lenders are more likely to approve your personal loan application if you can demonstrate a steady source of income. Having employment stability and a reasonable income can help mitigate the absence of credit history.

5. Consider a Small Loan Amount

Applying for a smaller loan amount increases your chances of approval. Once you establish a history of timely repayments, you can qualify for larger loans in the future.

Best Personal Loan Options for People with No Credit History

If you're looking for a personal loan without an existing credit record, here are some lenders that offer suitable options:

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

Axis Finance Personal Loan

Axis Bank Personal Loan

These lenders provide flexible loan options with varying interest rates and repayment terms, making them suitable for individuals with no credit history.

How a Personal Loan Can Help You Build Credit

A personal loan can be instrumental in establishing and improving your credit score. Here’s how:

1. Establishes a Credit History

By taking out a personal loan and making timely repayments, you begin building a credit profile, which enhances your future borrowing capacity.

2. Improves Payment History

Your credit score is heavily influenced by payment history. Timely repayments on your personal loan demonstrate responsible borrowing behavior, improving your creditworthiness.

3. Diversifies Your Credit Mix

Credit bureaus favor borrowers with a mix of credit types. Having a personal loan alongside a credit card can positively impact your credit score over time.

4. Enhances Future Loan Opportunities

Once you establish a solid credit history with responsible repayment, you’ll be eligible for better loan terms, lower interest rates, and higher borrowing limits.

Common Mistakes to Avoid When Applying for a Personal Loan

While obtaining a personal loan without credit history is possible, be cautious of the following mistakes:

Missing Loan Payments – Late or missed payments can harm your newly built credit profile.

Borrowing More Than You Can Repay – Taking a loan beyond your repayment capacity can lead to financial stress.

Applying for Multiple Loans Simultaneously – Too many loan applications can result in multiple hard inquiries, negatively affecting your credit score.

Ignoring Loan Terms and Conditions – Always read the fine print to understand interest rates, repayment schedules, and additional fees.

Frequently Asked Questions (FAQs)

1. Can I get a personal loan without credit history?

Yes, many lenders offer personal loans for individuals without credit history. Secured loans, co-signed loans, and income-based approvals are common options.

2. What is the minimum income required to get a personal loan?

Income requirements vary by lender, but most lenders prefer a stable monthly income to ensure repayment capability.

3. Will applying for a personal loan hurt my credit score?

Applying for multiple loans in a short period can result in hard inquiries, which may slightly lower your score. However, a single loan application will have a minimal impact.

4. How long does it take to build credit with a personal loan?

It typically takes three to six months of timely repayments to establish a credit history and see a positive impact on your credit score.

5. Can I repay my personal loan early?

Many lenders allow early repayment, but some charge prepayment fees. Check with your lender before making an early payment.

Conclusion

Getting a personal loan without a credit history is possible with the right approach. Whether you choose a secured loan, apply with a co-signer, or opt for a lender specializing in no-credit loans, responsible borrowing can help you build your credit score over time.

If you're considering applying for a personal loan, explore options from trusted lenders like:

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

Axis Finance Personal Loan

Axis Bank Personal Loan

By making timely payments and borrowing responsibly, you can turn a personal loan into a valuable tool for financial growth and future credit opportunities

[navree]

Incorrect, the fact that Biden has dropped out and a candidate with history of supporting medicare for all and being more receptive to a ceasefire in the I/P conflict has made me go from "I cannot morally support the Democratic nominee" to "I am voting for the Democratic nominee despite the fact she isn't perfect in every respect." I'm really happy this played out. The Dems for the most part abandoned the old Obama platform and it feels like its possible an actual progressive agenda could come to pass in my lifetime.

Kamala 2024!

If you weren't going to vote Democratic in this election before Biden dropped out you're a dorkass loser who does not care about any of the issues you're yammering about here and also a fundamentally bad person, and I hope you get run over by a bus.

But you got one thing right in all of this gibberish, Kamala 2024.

[bitchesgetriches]

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?

Did we just help you out? Tip us!

[mischiefmagpie]

I'm so fucking broke. I'm on my honeymoon and I can't even buy my beloved a fucking cup of coffee or my mother a postcard. I fucking hate myself.

[boreal-sea]

Look.

I have made you a chart. A very simple chart.

People say "You have to draw the line somewhere, and Biden has crossed it-" and my response is "Trump has crossed way more lines than Biden".

These categories are based off of actual policy enacted by both of these men while they were in office.

If the ONLY LINE YOU CARE ABOUT is line 12, you have an incredible amount of privilege, AND YOU DO NOT CARE ABOUT PALESTINIANS. You obviously have nothing to fear from a Trump presidency, and you do not give a fuck if a ceasefire actually occurs. You are obviously fine if your queer, disabled, and marginalized loved ones are hurt. You clearly don't care about the status of American democracy, which Trump has openly stated he plans to destroy on day 1 he is in office.

EDIT:

Ok fine, I spent 3 hours compiling sources for all of these, you can find that below the cut.

I'll give at least one link per subject area. There are of course many more sources to be read on these subject areas and no post could possibly give someone a full education on these subjects.

Biden and trans rights: https://www.hrc.org/resources/president-bidens-pro-lgbtq-timeline

Trump and trans rights: https://www.aclu.org/news/lgbtq-rights/trump-on-lgbtq-rights-rolling-back-protections-and-criminalizing-gender-nonconformity

The two sources above show how Biden has done a lot of work to promote trans rights, and how Trump did a lot of work to hurt trans rights.

Biden on abortion access: https://www.cnn.com/2022/07/08/politics/what-is-in-biden-abortion-executive-order/index.html

Trump on abortion access: https://apnews.com/article/abortion-trump-republican-presidential-election-2024-585faf025a1416d13d2fbc23da8d8637

Biden openly supports access to abortion and has taken steps to protect those rights at a federal level even after Roe v Wade was overturned. Trump, on the other hand, was the man who appointed the judges who helped overturn Roe v Wade and he openly brags about how proud he is of that decision. He also states that he believes individual states should have the final say in whether or not abortion is legal, and that he trusts them to "do the right thing", meaning he supports stronger abortion bans.

Biden on environmental reform: https://www.whitehouse.gov/briefing-room/statements-releases/2021/10/07/fact-sheet-president-biden-restores-protections-for-three-national-monuments-and-renews-american-leadership-to-steward-lands-waters-and-cultural-resources/

Trump on environmental reform: https://www.nytimes.com/interactive/2020/climate/trump-environment-rollbacks-list.html

Biden has made major steps forward for environmental reform. He has restored protections that Trump rolled back. He has enacted many executive orders and more to promote environmental protections, including rejoining the Paris Accords, which Trump withdrew the USA from. Trump is also well known for spreading conspiracy theories and lies about global climate change, calling it a "Chinese hoax".

Biden on healthcare and prescription reform: https://www.hhs.gov/about/news/2023/06/09/biden-administration-announces-savings-43-prescription-drugs-part-cost-saving-measures-president-bidens-inflation-reduction-act.html

Trump on healthcare reform: https://www.cnn.com/2024/01/07/politics/obamacare-health-insurance-ending-trump/index.html

I'm rolling healthcare and prescriptions and vaccines and public health all into one category here since they are related. Biden has lowered drug costs, expanded access to medicaid, and ACA enrollment has risen during his presidency. He has also made it so medical debt no longer applies to a person's credit score. He signed many executive orders during his first few weeks in office in order to get a handle on Trump's grievous mishandling of the COVID pandemic. Trump also wants to end the ACA. Trump is well known for refusing to wear a mask during the pandemic, encouraging the use of hydroxylchloroquine to "treat" COVID, and being openly anti-vaxx.

Biden on student loan forgiveness: https://www.ed.gov/news/press-releases/biden-harris-administration-announces-additional-77-billion-approved-student-debt-relief-160000-borrowers

Trump on student loan forgiveness: https://www.forbes.com/sites/adamminsky/2024/06/20/trump-knocks-bidens-vile-student-loan-forgiveness-plans-suggests-reversal/

Trump wants to reverse the student loan forgiveness plans Biden has enacted. Biden has already forgiven billions of dollars in loans and continues to work towards forgiving more.

Infrastructure funding:

I'm putting these links next together because they are all about infrastructure.

In general, Trump's "achievements" for infrastructure were to destroy environmental protections to speed up projects. Many of his plans were ineffective due to the fact that he did not clearly outline where the money was going to come from, and he was unwilling to raise taxes to pay for the projects. He was unable (and unwilling) to pass a bipartisan infrastructure bill during his 4 years in office. He did sign a few disaster relief bills. He did not enthusiastically promote renewable energy infrastructure. He created "Infrastructure Weeks" that the federal government then failed to fund. Trump did not do nothing for infrastructure, but his no-tax stance and his dislike for renewable energy means the contributions he made to American infrastructure were not as much as he claimed they were, nor as much as they could have been. Basically, he made a lot of promises, and delivered on very few of them. He is not "against" infrastructure, but he's certainly against funding it.

Biden was able to pass that bipartisan bill after taking office. The Bipartisan Infrastructure Plan that Trump tried to prevent from passing during Biden's term contains concrete funding sources and step by step plans to rebuild America's infrastructure. If you want to read the plan, you can find it here: https://www.whitehouse.gov/build/guidebook/. Biden has done far more for American infrastructure than Trump did, most notably by actually getting the bipartisan bill through congress.

Biden on Racial Equity: https://www.npr.org/sections/president-biden-takes-office/2021/01/26/960725707/biden-aims-to-advance-racial-equity-with-executive-actions

Trump on Racial Equity: https://www.axios.com/2024/04/01/trump-reverse-racism-civil-rights https://www.bbc.com/news/av/world-us-canada-37230916

Trump's racist policies are loud and clear for everyone to hear. We all heard him call Mexicans "Drug dealers, criminals, rapists". We all watched as he enacted travel bans on people from majority-Muslim nations. Biden, on the other hand, has done quite a lot during his term to attempt to reconcile racism in this country, including reversing Trump's "Muslim ban" the first day he was in office.

Biden on DEI: https://www.whitehouse.gov/briefing-room/presidential-actions/2021/06/25/executive-order-on-diversity-equity-inclusion-and-accessibility-in-the-federal-workforce/

Trump on DEI: https://www.msn.com/en-us/news/politics/trump-tried-to-crush-the-dei-revolution-heres-how-he-might-finish-the-job/ar-BB1jg3gz

Biden supports DEI and has signed executive orders and passed laws that support DEI on the federal level. Trump absolutely hates DEI and wants to eradicate it.

Biden on criminal justice reform: https://time.com/6155084/biden-criminal-justice-reform/

Trump on criminal justice reform: https://www.vox.com/2020-presidential-election/21418911/donald-trump-crime-criminal-justice-policy-record https://www.theatlantic.com/politics/archive/2024/05/trumps-extreme-plans-crime/678502/

From pardons for non-violent marijuana convictions to reducing the federal government's reliance on private prisons, Biden has done a lot in four years to reform our criminal justice system on the federal level. Meanwhile, Trump has described himself as "tough on crime". He advocates for more policing, including "stop and frisk" activities. Ironically it's actually quite difficult to find sources about what Trump thinks about crime, because almost all of the search results are about his own crimes.

Biden on military support for Israel: https://www.nbcnews.com/politics/national-security/biden-obama-divide-closely-support-israel-rcna127107

Trump on military support for Israel: https://www.vox.com/politics/353037/trump-gaza-israel-protests-biden-election-2024

Biden supports Israel financially and militarily and promotes holding Israel close. So did Trump. Trump was also very pro-Israel during his time in office and even moved the embassy to Jerusalem and declared Jerusalem the capitol of Israel, a move that inflamed attitudes in the region.

Biden on a ceasefire: https://www.usatoday.com/story/news/world/2024/06/05/gaza-israel-hamas-cease-fire-plan-biden/73967659007/

Trump on a ceasefire: https://www.nbcnews.com/politics/donald-trump/trump-israel-gaza-finish-problem-rcna141905

Trump has tried to be quiet on the issue but recently said he wants Israel to "finish the problem". He of course claims he could have prevented the whole problem. Trump also openly stated after Oct 7th that he would bar immigrants who support Hamas from the country and send in officers to American protests to arrest anyone supporting Hamas.

Biden meanwhile has been quietly urging Netanyahu to accept a ceasefire deal for months, including the most recent announcement earlier in June, though it seems as though that deal has finally fallen through as well.

[texasapproval]

Car Title Loans Online in Texas | texasapproval

Introduction

Are you in need of quick cash but worried about your credit score or existing loans? Car title loans might be the solution you're looking for. In Texas, car title loans provide a way to get the money you need by using your vehicle as collateral. This article will guide you through the process of getting car title loans online in Texas, addressing common concerns such as dealing with existing liens, bad credit, and more.

Can I Get a Title Loan with a Lien?

A common question many people ask is, Can I Get a Title Loan With a Lien? The answer is yes, but it depends on the lender's policies. Some lenders may be willing to work with you if you have an existing lien on your car, while others may not. It's important to discuss your situation with potential lenders to find one that can accommodate your needs. At Texas Approval, we strive to provide flexible solutions for our clients, including those with existing liens.

Online Title Loans Near Me

Finding online title loans near you in Texas is easier than ever. With the convenience of the internet, you can search for reputable lenders, compare rates, and apply for a loan from the comfort of your home. Texas Approval offers an online application process that is quick and straightforward, allowing you to get approved and receive funds without the hassle of visiting a physical location.

Can You Do a Title Loan Online?

Yes, you can do a title loan online. The process is simple and designed to save you time. Here's a step-by-step guide on how to apply for a car title loan online in Texas:

Visit the Lender's Website: Go to the Texas Approval website and fill out the online application form.

Provide Required Documents: You'll need to submit documents such as your car title, proof of income, and identification.

Get Approval: Once your application is reviewed, you'll receive approval if you meet the lender's criteria.

Receive Funds: After approval, the funds will be transferred to your account, often within 24 hours.

No Title Car Loan

If you don't have a clear title to your car, getting a loan can be challenging but not impossible. Some lenders offer personal loans without a car title, which might be an alternative for those without a clear title. However, these loans often come with higher interest rates and stricter terms. It's crucial to weigh your options and choose the one that best suits your financial situation.

Car Title Loan Car Not Paid Off

Wondering if you can get a car title loan if your car isn't paid off? The answer is yes. Many lenders, including Texas Approval, offer car title loans even if your car isn't fully paid off. The key is to have enough equity in the vehicle to secure the loan. The lender will evaluate your car's value and determine the loan amount based on the remaining equity.

Personal Loans Without Car Title

If using your car as collateral isn't an option for you, personal loans without a car title might be a viable alternative. These loans are unsecured, meaning they don't require collateral. However, they typically have higher interest rates and may require a good credit score. It's essential to explore all your options and choose the one that offers the best terms for your needs.

Online Title Loans for Bad Credit Texas

Having bad credit can make it challenging to secure a loan, but online title loans for bad credit are available in Texas. Car title loans are an excellent option for those with poor credit because they rely on the value of your vehicle rather than your credit score. At Texas Approval, we understand that financial difficulties can happen to anyone, and we aim to provide solutions that help you get back on track.

Conclusion

Car title loans online in Texas offer a convenient and accessible way to secure the funds you need quickly. Whether you're dealing with bad credit, existing liens, or an unpaid car, there are options available to help you. Texas Approval is committed to providing flexible and reliable car title loan solutions to meet your financial needs. Visit Texas Approval today to start your application and get the cash you need without the hassle.

By understanding the process and knowing your options, you can make informed decisions and choose the best loan solution for your situation. Don't let financial challenges hold you back – explore car title loans online in Texas and find the right solution for you.

[investingdrone]

10 Best Guaranteed Holiday Loans For Bad Credit 2024

Feeling the pinch of the holiday season? Expenses can quickly snowball, leaving you scrambling for cash. Holiday Loans For Bad Credit can be a lifesaver if your finances run low during the festive rush. These loans are designed to provide quick access to funds for gifts and other holiday expenses, even for those with less-than-perfect credit history. Investing Drone can help you find a favorable…

[robertreich]

Friends, Musk is trying to downplay the chaos he’s creating by saying it’s much the same as the cost-cutting efforts of the Clinton administration. “What DOGE is doing is similar to Clinton/Gore Dem policies of the 1990s,” he posted on his X platform. Rubbish. I cut costs in the Clinton administration. The contrast with what Musk is doing couldn’t be sharper. As secretary of labor, I took the Department of Labor down from 18,500 employees to 16,600 — but did it without any layoffs. No chainsaws. No meat-axes. And we were careful to improve the services we were providing the public. For example, when people lost jobs in an industry that was shrinking, we devised a way to get them job-training and job-search assistance in addition to unemployment insurance. This helped move them into new jobs faster — which also saved the government over $1 billion a year in unemployment payments. We plowed that $1 billion back into job-training and job-search assistance, making the whole economy work better. In Musk’s attack on the federal workforce, thousands of federal workers have been fired without warning. Or they’ve been offered fake “deferred resignation” buyouts that were never authorized by Congress and may not be legal. Entire agencies have been gutted without legislative authorization, forcing judges to intervene. Our “Reinventing Government” effort was authorized by bipartisan congressional legislation. We worked carefully over several years to identify areas where government could be more efficient, notifying Congress of what we were doing. But the Republicans who control Congress today have allowed Musk to race ahead without them, even though the Constitution states that the legislative branch approves spending and federal law prohibits the president from cutting programs Congress has authorized without its permission. Clinton sought that permission, and Congress accepted $3.6 billion in cuts he proposed. We also involved federal workers, because they knew better than anyone what could be improved and how best to do it. We introduced performance standards, we encouraged our workers to embrace the internet, and we gave out awards to employees who came up with ways to cut red tape and improve service. “There was a tremendous effort put into understanding what should happen and what should change,” said Max Stier, president of the Partnership for Public Service, which seeks to improve the federal workforce. “What is happening now is actually taking us backwards.” We were deliberative and careful. Musk is the opposite. Musk sees government workers as the enemy — as costs to be cut. We saw government workers as assets to be developed, our partners in getting better services to the public more efficiently. Musk also calls people who benefit from government programs the “parasite class.” Presumably that’s why he’s eager to cut back Medicaid. But Medicaid’s beneficiaries aren’t parasites. Half of them are children. Oh, but if we’re talking about people who depend on government, Musk is the biggest “parasite” of all. Over the years, Musk and his businesses have received at least $38 billion in government contracts, loans, subsidies, and tax credits, often at critical moments, helping seed the growth that has made him the richest person in the world. That he views public servants as his enemy and the people who benefit from public programs as “parasites” tells you all you need to know about Elon Musk. When you hear Musk say his effort is similar to what I and others did in the 1990s, know he’s lying. When you see him call people who benefit from public programs “parasites,” know he’s a hypocrite. Thoughts?

[fincrif]

Personal Loan Pitfalls to Avoid in 2025

A personal loan can be a great financial tool when used wisely, offering quick access to funds for emergencies, home renovation, education, or debt consolidation. However, many borrowers make avoidable mistakes that lead to higher costs, financial stress, and repayment issues.

To ensure you make the most of a personal loan in 2025, let’s explore the common pitfalls to avoid and the best strategies to manage your loan effectively.

🔗 Looking for a Personal Loan? Apply Here: Check Personal Loan Options

1. Borrowing More Than You Can Afford

One of the biggest mistakes borrowers make is taking a loan amount higher than their repayment capacity.

✔ Solution: Always assess your finances and ensure your EMIs do not exceed 30-40% of your monthly income.

🔗 Check Affordable Loan Options:

IDFC First Bank Personal Loan

Axis Bank Personal Loan

2. Ignoring Interest Rates & Loan Terms

Many borrowers overlook the actual cost of borrowing by not comparing interest rates, fees, and loan tenures.

✔ Solution: Compare interest rates, processing fees, and hidden charges before finalizing a lender.

🔗 Best Personal Loans with Low Interest Rates:

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

3. Overlooking the Impact of a Low Credit Score

Your credit score directly affects your loan approval and interest rates. A low credit score can lead to loan rejection or higher interest costs.

✔ Solution: Maintain a credit score of 700+ by making timely payments and avoiding unnecessary debt.

4. Falling for Pre-Approved Loan Scams

Many fraudsters send fake pre-approved loan offers that require advance payments before disbursing the loan.

✔ Solution: Always apply for loans through official bank websites or verified financial institutions.

🔗 Apply for a Personal Loan from Trusted Lenders:

Axis Finance Personal Loan

5. Not Reading Loan Terms & Hidden Fees

Many borrowers focus only on the interest rate and ignore charges such as: ✔ Processing Fees ✔ Prepayment Penalties ✔ Late Payment Charges

✔ Solution: Read the loan agreement carefully and ask about hidden charges before signing.

6. Choosing a Longer Tenure Without Considering Interest Costs

A longer loan tenure reduces your EMI, but it significantly increases the total interest paid over time.

✔ Solution: Choose the shortest tenure possible that allows comfortable EMI payments.

7. Defaulting on EMI Payments

Missing EMIs can lead to: ❌ Penalty charges ❌ A lower credit score ❌ Legal action in extreme cases

✔ Solution: Set up auto-debit for EMIs and maintain an emergency fund for loan repayments.

🔗 Learn How to Set Up Auto-Debit for Loan EMIs: Check Loan Repayment Options

8. Using Personal Loans for Non-Essential Expenses

Avoid using personal loans for: ❌ Luxury vacations ❌ Gambling or risky investments ❌ Unplanned shopping sprees

✔ Solution: Use personal loans only for necessary expenses like medical emergencies, home improvement, or debt consolidation.

9. Not Exploring Balance Transfer Options

If you already have a high-interest personal loan, you can transfer it to another lender offering a lower interest rate.

✔ Solution: Consider a personal loan balance transfer to reduce your EMI burden.

🔗 Best Lenders for Balance Transfers:

InCred Personal Loan

10. Applying for Multiple Loans Simultaneously

Multiple loan applications can: ❌ Lower your credit score ❌ Make lenders view you as a high-risk borrower

✔ Solution: Compare lenders carefully and apply for only one loan at a time.

11. Not Checking Prepayment & Foreclosure Charges

Some lenders charge high penalties for prepayment or foreclosure, making early repayment expensive.

✔ Solution: Choose a lender that offers low or no prepayment penalties.

12. Relying on Unverified Lenders or Loan Apps

There are many fraudulent loan apps that charge excessive interest rates and misuse borrower data.

✔ Solution: Apply only through recognized banks, NBFCs, or verified fintech platforms.

🔗 Apply Safely for a Personal Loan Here: Check Verified Loan Options

Final Thoughts: Avoid These Mistakes for a Smart Borrowing Experience

A personal loan is a valuable financial tool when used responsibly. Avoiding these common pitfalls will help you save money, protect your credit score, and reduce financial stress in 2025.

Key Takeaways:

✔ Borrow within your repayment capacity ✔ Compare interest rates & hidden charges before applying ✔ Pay EMIs on time to avoid penalties ✔ Beware of loan scams and fake lenders ✔ Use personal loans only for essential needs

🔗 Looking for a Reliable Personal Loan? Apply Here: Check Personal Loan Offers

By following these tips, you can make smarter financial decisions and ensure a hassle-free borrowing experience in 2025!

[meme-loving-stuck]

ok im done venting im gonna find us a place even if we're broke and have to take out a loan in january. i can do that i have great credit. hell the only reason i don't take a loan to BUY a house out here is because my wife wants to leave the state before too long. a little house sure.... would be nice to RENT if i can though.... instead of another shitty apartment..........hurgh

[harishloans]

Personal loan apply online

Personal loan apply online

personal loan applies online; Loan is very easy to apply online and many Banks NBFC are offer instant quick approval’s Quick disbursement in 30 minutes to 4hours is maximum, but some important key point to get instant Approval’s

GOOD CIBIL SCORE

SALRY CREDIT BANK NET BANKING OR DEBIT CARD AUTHENDICATION

WORKING IN PVT LTD COMPANY

METRO CITIES

SALARY ABOVE 15K

    ENAF THESE THINGS ARE VERY IMPORTANT TO GET ONLINE PERSONAL LOAN, WITH QUICK APRUVAL’S & DISBURSEMENT,

[chavezcapital]

[transmutationisms]

as far as i can tell that claim about [usamerican] women not being allowed to hold bank accounts prior to the 60s is just incorrect and based on a misunderstanding of what antidiscrimination laws in the 70s were meant to accomplish. which is something i think is actually worth splitting hairs over because 1) wealthy socially powerful white women did hold property, get loans, get credit, collect rents, &c in the colonial period as well as the 200 years following the revolution, & obfuscating that means failing to understand how class, race, & gender actually related to & informed one another, and 2) the narrative forming around de jure rights and an extremely binary black and white notion of discrimination also obscures the ways discrimination against women in the financial sphere actually happened (often piecemeal, locally, varying by institution, with things like subjective biased evaluations of their financial prospects from banks, as well as the role of massive social norms and pressures that cumulatively steered them away from independent possession of capital in the first place) -- which matters because so many of these things still do happen, even to white women but very specifically and heavily to black americans in particular, and this is also lost when we act like ECOA or whatever ended credit discrimination in one fell swoop. also people who make this claim tend to have a very poor understanding of what effect marriage had on a woman's financial status, because again they have an extremely basic understanding of how the category "women" was handled by financial institutions and seem to see it as one monolith when in reality marriage was more of like, another factor that informed (lessened) the degree to which financial institutions considered a woman to be an independent legal person

[collapsedsquid]

Johnson’s strange trip through the netherworld began in February, when a letter from his bank arrived addressed to his wife, Pam. “We recently received notification of LEONARD A. JOHNSON’s passing,” it began. “We offer our sincerest condolences …” At first she figured it was a scam — her husband, after all, was sitting right there. But then the bank got to the point. “We know this is a difficult time, and we’re here to help,” the bank wrote. “We received a request from Social Security Administration to return benefits paid to LEONARD A. JOHNSON’s account after their passing.” “There’s nothing you need to do — we’ve deducted the funds from LEONARD A. JOHNSON’s account.” Uh oh. It itemized how $5,201 had been stricken from their bank account, on the grounds that Ned wasn’t justified to get those benefits — because he was dead. That was for payments he’d received in December and January. Ned found that his February Social Security check hadn’t been paid, and he’s yet to receive his March check, either. His Medicare insurance had been canceled. He also learned that when you die, your credit score gets marked as “deceased, do not issue credit,” which makes it tough to get a loan. “The good news is I don’t think it can go any lower than that,” he said cheerfully.

[luveline]

Ahh I’m so obsessed with stripper!reader and Spencer!! Do you have any more thoughts about them you’d be willing to share, maybe just a snippet of their life together? So so in love with them and your writing in general

i got a different request for them that I lost about reader struggling to afford essentials and so I thought I’d combine them, I hope that’s ok!! <;3 fem, 1.1k

cw food insecurity/ poverty 

You attempt to save money, but the ten dollars you don't spend on shampoo and conditioner gets used on painkillers. You hide fifty dollars in a book and try to forget about it, but your shoes split open on the walk to work, and it takes all afternoon to find it again. You try so hard to stretch your paycheck and something new makes it impossible. 

So it's a cold night in late December and you spent all your money for food on the gas bill. Your stomach hurts, but at least your nose isn't that horrible stiff cold that distracts. 

It's not just that your stomach hurts, though. You feel miserable about everything, and you know you need to ask someone for help. You've thought about selling something, but you already pawned your watch, and everything else is inconsequential. 

I could sell my phone… but how would I talk to Spencer? 

It's the stupidest thought you could've had. More importantly, how would you communicate with work? How would you call your electric and gas company, or talk to your landlord? 

Spencer would be so sad if he knew you’d sold your phone to pay for food. He’d probably be upset knowing you considered it. And you won’t get paid for another three days, so unless you can somehow live off of olives and cherries from the club bar, you have to ask Spencer for money or get a loan. With your credit score, one situation is more likely than the other. 

You bring your phone across the pillow and sigh before clicking on his contact. He’s practically the only number you call. 

“Hello?” you ask. 

“Hi, Y/N.” 

“Hello, handsome,” you murmur, staging an affect of someone who couldn’t be more unbothered by the world. 

“Yeah, hi. You okay?” 

You don’t want to butter him up. It feels dishonest. You should be straight forward. “Spencer. You know I hate asking you for things.” 

“Yes, it’s the only bad thing about you.” He sounds like he’s smiling. You can imagine him on his couch reading something obscure, or watching one of his sci-fi shows, curls in his eyes, grey pyjamas too short for him riding up his calves as they tend to do.

“But I need– um. I don’t have any money?” You don’t mean to phrase it like a question. “Like. Okay, so, I promise you I am not an irresponsible person, just, my gas bill went up and I didn’t know, but it’s so cold I paid it anyways, and now I have three dollars. Um. Total. And I haven’t eaten all day and I’m sorry I’m asking, but I just need like twenty dollars until I get paid on Tuesday. Could you let me borrow twenty dollars, please?” 

“Do you want to get takeout?” 

You cringe. “No, like, twenty dollars for groceries, Spence.” 

“No, I understood. That’s fine, I’ll happily give you twenty dollars. But you said you haven’t eaten today? And I miss you, so it’s an excuse?” Now he’s the one making questions out of statements. “I can get us Thai food.” 

Your stomach pangs at the thought. No matter how much you hate this, you know he loves you enough to want to bring you dinner, and you really will pay him back, so he might as well. “Yeah, please. I’d love to see you, Dr. Reid.”

“I’ll be quick,” he promises. 

He isn’t. You wonder if he’s forgotten you and your rumbling stomach, curled into a c-shape under the sheets. It’s warm, at least, nearly too warm, the blade of your hunger threatening to drive you mad. It’s not a nice feeling, depending on the kindness of a friend to see you through, nor is it very pleasant to be this hungry. You’ve gone hungry a hundred times, and this is the only time you’ve ever had someone you trusted enough to turn to during that time to ask for help. What if Spencer’s decided he isn’t comfortable with your lending after all and he doesn’t come over tonight? 

You’d been looking forward to seeing him again. It’s almost worse than the hunger. 

Just as you’re thinking he’s decided he doesn’t want to be your friend anymore, he lets himself in. 

Your apartment is small, consisting of three rooms. The bedroom, the bathroom, and the living room kitchen combination. He lets himself into the living room with a cacophony of rustling and a called, “Hello!” followed soon by a muttered swear. 

You laugh under your breath.

“Are you coming out here, or do you want to eat dinner in bed?” he asks. 

“I haven’t decided yet.” 

It’s quiet enough besides his arrival that you’ve no need to shout.

“Well, stay there if you want. Have you been drinking anything? I brought iced tea and some stuff for you to have breakfast tomorrow.”

“Thank you.” You force yourself to sit up. One moment you’re looking at the closed door and the next you’re squinting against the light of the kitchen, Spencer in the doorway like a silhouette against it. “Hey, Spence. You’re taller than last time.” 

“I’m the same size as always.”

“You’re still wearing your shoes. That must be it.” 

Spencer takes off his shoes and crosses the short distance to you. “Hi,” he says, taking your hand as he sits down. His fingers are freezing. “Sorry I took a while.”

“Sorry for asking you for money.” 

“It’s okay. It’s not something to worry about. Everyone has to ask a favour sometime.” 

His hair is wind blown, his eyes watery. The cold weather has nipped his pert nose a rosy pink and he’s smiling at you with chapped lips, unaware of or uncaring about his own circumstances in the face of yours. “You okay?” he asks, his pretty brown eyes narrowing, eyebrows pinching together at the starts. “You can’t just not eat all day and not tell me.”

You nod tightly. It’s humiliating to be in this position. 

He softens. “Did they tell you the rate was rising? It’s illegal in Virginia–”

You take your hand from his. “They sent me a letter I didn’t open. I knew it would be bad news.” 

Spencer looks down at your knees. “I know that you’re used to doing things by yourself, but you don’t have to anymore.”

“‘Cos you look after me,” you say quietly. 

“I’m trying to.” 

You laugh and jog your joined hands to make him look up. “Okay. Look after me some more then and give me a hug. I’m too warm, and you’re freezing.” 

He hugs you tightly, quick to rub your shoulder blade with his thumb. “Stay here, okay? I’ll bring you a plate.” 

You cling to him for a few seconds, until hunger wins, and you send him off into the kitchen again. 

[theambitiouswoman]

Like it or not, you’re in a relationship with anything that takes up your time, thoughts, and energy— and that includes money. In fact, the two longest relationships you’ll have are with yourself and with money. Both of these relationships affect how you live & your relationship with money doesn’t have to be stressful.

Think about how you feel about money. Do you see it as hard to get or something that flows easily to you What do you want your money to do for you? Save for a trip? Buy a home? Setting specific goals gives you direction.

A budget is just a plan for your money. It helps you see where it’s going and where you can make better choices. Focus on what you already have instead of what you don’t. Gratitude can help you feel more abundant.

Create a budget and write down all of your expenses. Most people don’t know where their money goes because they dont take into account their pleasure purchases. Put some money aside for yourself before paying for other things. It’s a simple way to build up your savings. If you have debt, make a plan to pay it off. Start with the high interest ones first.

Don’t fear money. See it as a tool that can come and go. Believe that you can always create more. Share what you can, even if it’s a small amount. It helps you feel more connected to abundance. The more you complain about not having, the less you will continue to have. You have to learn how to think abundantly.

You can downloads any of these apps:

Mint

YNAB (You Need a Budget)

PocketGuard

Goodbudget

Undebt.it

Honeydue

Personal Capital

EveryDollar

———————————

Alternatively, here’s a templare you can copy and paste:

1. Income

• Primary Income: $_________

• Side Income: $_________

• Other Income (e.g., investments, bonuses): $_________

Total Income: $_________

2. Fixed Expenses

(Expenses that stay the same each month)

• Rent/Mortgage: $_________

• Utilities (Electricity, Water, Gas): $_________

• Internet/Phone: $_________

• Insurance (Health, Car, Home): $_________

• Debt Payments (Loans, Credit Cards): $_________

• Subscriptions (Streaming, Gym, etc.): $_________

Total Fixed Expenses: $_________

3. Variable Expenses

(Expenses that can change each month)

• Groceries: $_________

• Transportation (Gas, Public Transit, etc.): $_________

• Eating Out/Entertainment: $_________

• Shopping (Clothes, Household Items): $_________

• Personal Care (Skincare, Haircuts): $_________

• Miscellaneous: $_________

Total Variable Expenses: $_________

4. Savings and Investments

• Emergency Fund: $_________

• Retirement (401k, IRA, etc.): $_________

• Investments: $_________

• Specific Savings Goals (Travel, Home, etc.): $_________

Total Savings/Investments: $_________

5. Giving

(Donations, gifts, tithing, etc.)

• Charities/Donations: $_________

• Gifts: $_________

Total Giving: $_________

6. Summary

• Total Income: $_________

• Total Expenses (Fixed + Variable): $_________

• Total Savings/Investments: $_________

• Remaining Balance: $_________