Images by Getty Images; Illustration by Issiah Davis/Bankrate Key takeaways Unsecured loans aren’t backed by collateral, making them a higher risk for lenders. Unsecured business…
Key takeaways You typically cannot return a car unless the dealership has a return policy. To avoid being in a position where you need to return the car, research the history of the vehicle and…
Westend61/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Before signing off on an auto loan, crunch the numbers to ensure you can afford your new set of wheels. To find how much you’ll spend on interest, use an auto loan calculator, work it out yourself or talk to a lender. Factors…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways When you prepay your mortgage, you pay extra toward the loan principal. This helps you pay your loan off sooner and save money on interest. There are many ways to prepay a mortgage, including through biweekly payments, periodic extra payments or…
Images by GettyImages; Illustration by Jessa Lizama/Bankrate Key takeaways Lower credit scores signal higher risk of default to lenders, so lenders will limit loan amounts. Borrowers with bad credit get approved for unsecured loans with an average amount under $2,000, according to TransUnion data. Adding a cosigner or co-borrower with…
While the process of adding a spouse to a deed can be relatively simple, there are some tax implications that make it more complicated. Depending on how you handle the property transfer, it can affect gift taxes, capital gains taxes, and estate planning outcomes later on. State laws and ownership…
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Americans are facing rising electricity costs around the country as winter weather and the rise of artificial intelligence (AI) data centers increase demands on the electric grid. Electricity prices have risen faster than the pace of…
