Loans

When your credit score is low, it is more difficult to obtain almost any type of credit. Fortunately, we’ve done the research for you to help you connect with reputable lenders who work with people with less-than-perfect credit scores....

Lenders offer secured loans for a large purchase like a home or car, or to someone who may need a smaller cash advance. People whose credit scores have taken a hit for one reason or another can also obtain secured loans much more easily than they can obtain an unsecured loan....

Debt becomes a problem when you no longer can meet your payment terms. However, a debt consolidation loan can help you save hundreds of dollars each month on interest, penalties and fees....

Loans Resources

Are you interested in bad credit loans or debt consolidation? Perfect Finances offers loan advice to help you find the right loan to rehabilitate your financial health.

Take advantage of our loan advice to build credit using loans, consolidate or eliminate debt, improve your credit score, and fix poor credit fast.

Debt consolidation is the process of totaling-up all of the money you owe to your creditors and obtaining a loan for the total amount. You use the loan to pay off the balance owed to each creditor and going forward, make one loan payment to a single lender. The goal is to lower your monthly payments and make it easier...

A secured loan can help you rebuild your credit score or establish a credit rating if you’ve never had credit before. A lender will give you a loan if you provide some security, or collateral that the lender can sell if you fail to pay off the loan. Even if you have a low credit score, you can still get...

Secured loans are backed by an asset of some sort, like a home, a car or an antique. The lender takes a lien on real or personal property in exchange for giving you a loan. A lender approves an unsecured loan based only on your creditworthiness and whether you have the income or assets to repay it. The most important...

Getting into debt over-your-head can happen to anyone. And, maxing out your credit cards is probably not what you would do if your circumstances were different. But, sometimes all it takes is a sudden illness, accident or job loss to push you over the edge and force you to use credit just to meet your daily living expenses. Whatever the...

Finding an error on your Equifax credit report is enough to put you into a panic until you figure out what happened. It can take time to reach the right people to help you, which adds to your frustration. Unfortunately, when so many people and companies are involved in the credit reporting process, mistakes are bound to happen at some point....

When almost one-third of Americans have low credit scores, you know you’re not alone in your struggle to fix your poor credit. People with bad credit, many of whom had excellent credit scores at one time, just ran into some bad luck. Perhaps, they’ve had a serious illness or a job loss. Whatever the reason, all it takes is one...