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PNC Bank Personal Loan

With PNC online banking you can get a Personal Loan from $1,000 up to $35,000, but if you need a smaller loan with a shorter loan term, then you should check out the Check City Personal Loan.

Personal loans can be used for a variety of personal reasons. From home improvements to debt consolidation they can be used for almost anything. But not all personal loans are created equal. There are many benefits and disadvantages to consider with each loan provider you research. Every loan provider has their own interest rates and terms to think about. We hope to make that process a little easier by helping you easily compare different personal loans in one convenient location.

PNC Bank Personal Loans: A Quick Look

PNC personal banking offers fixed rates that range from 5.99% to 25.99% APR. But if you don’t have a great credit score your APR could end up being higher. You can take out loan amounts from $1,000 to $35,000 with no collateral required for their unsecured personal loans. Your credit score is also subject to approval and the best credit will get the lowest rates.

Loan Amount: $1,000 to $35,000

Rates: 5.99% to 25.99% APR

Fees: No origination fee, no prepayment penalty, no application fee, but there is a late fee for late payments

Terms: 36 months

Basically, getting a personal loan from PNC Bank is a great idea if you have good credit. A higher credit score will get you better rates and won’t be as affected by a hard credit pull during the application process. They’re also a great loan provider for anyone looking to get a loan amount of $1,000 or higher.

Who are PNC Bank Personal Loans Perfect For?

PNC Bank personal loans are perfect for anyone needing a loan of $1,000 or more. They also offer fixed rates and the best rates will go to those with high credit scores. Personal loans at PNC bank are also a good choice for anyone planning to use autopay to make their loan payments because they offer discounts for using autopay.

  • If you have a high credit score
  • If you plan on using autopay
  • If you’re credit can withstand a hard credit pull application
  • If you need a larger personal loan

Who Should NOT Get a PNC Bank Personal Loan?

There are a few reasons why PNC personal banking might not be for you. If you don’t have a good credit score then there’s a chance the PNC bank personal loan application might lower your credit score even further with a hard credit report pull.

You might also want to consider a more forgiving loan provider if you are frequently late in your monthly loan payments. The one fee that PNC bank has is for late monthly payments.

  • If you have a low credit score
  • If you are often late with payments
  • If you need a small, short-term loan

An Alternative to PNC Bank Personal Loans

If a PNC Bank personal loan isn’t right for you, don’t worry, there are many other loan providers out there for you to choose from. Whether you have a low credit score, or just want a smaller, more short-term loan, Check City personal loans could be the loan you’re looking for. You can quickly and easily take out a personal loan with Check City, where you can still apply even if you have a low credit score, because we don’t pull a traditional credit report.

Reasons to Get a Check City Personal Loan

personal loan

Check City is a direct lender. We don’t just direct you to real loan providers, we are the loan provider.

Check City is a state licensed lender. Whatever state you’re in, you can rest assured that we’re doing everything by the book.

Our application process is quick and simple. Our loan application is easy to fill out and we won’t pull a traditional credit report when you apply.

Low credit? No problem! Even if you have a low credit score you can still apply for a Check City personal loan.

We have no origination fees.

Get cash TODAY. By visiting a Check City store you can apply for a loan and get your money all on the same day!

Shorter loan terms and smaller loans. Not everyone needs a giant loan that they’ll have to finance for the next couple of years. Check City offers small loans that you can pay back in as little as 6 months.

How to Apply for a Check City Personal Loan

It doesn’t take long to apply for a Check City personal loan. In fact, it only takes a couple of minutes! Just visit our online Personal Loan Page and fill out the short application form.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. You can also apply for a Check City personal loan over the phone or in the store.

Apply in the Store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254

If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

USAA Personal Loan PNC Bank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $1,000 to $35,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 5.99% to 25.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee, no prepayment fee, no application fee, but there are late fees
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 36 months
Min. Credit Score none 660 600 high credit score high credit score

There are many personal loan providers out there to choose from and they all come with their own pros and cons. But as a loan customer, you also have loan requirements to remember when you’re shopping for a loan. Don’t settle for less when it comes to your personal loan and find the right fit for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

Navy Federal Personal Loan

Navy Federal offers Personal Loans up to $50,000, but if you don’t meet their membership requirements then you may be locked out of using their loans. Check City Personal Loans don’t have membership requirements so our loan services are available to anyone.

Navy Federal is a credit union that provides banking services, like personal loans, to members of the armed forces and their families. Personal loans are most often used for debt consolidation, home improvements, car financing, vacations, weddings, medical bills, and other important major expenses. Each loan provider comes with its own pros and cons to think about.

Navy Federal Personal Loans: A Quick Look

Navy Federal offers a wide variety of personal loan options. They have relatively low APRs and have loan term options for 36, 60, and 180 months, but if you want to finance your loan for longer than 60 months, you’ll need to apply with one of their loan representatives. Since Navy Federal is a credit union specifically for the armed forces, you’ll also have to meet certain requirements to first become a member before you can take out a personal loan with them.

Maximum Loan Amount: $50,000

Rates: 8.19% to 18.00% APR

Fees: No origination fee

Terms: 36, 60, and 180 months

Basically, Navy Federal is a great personal loan provider for those who are already members of their credit union. There are many options for loan amounts and loan terms. But you can only get a personal loan with Navy Federal if you are a member of their credit union, and they have strict membership requirements. If you don’t meet these requirements, they aren’t the personal loan provider for you.

Who is Navy Federal Perfect For?

Navy Federal is perfect for members of the armed forces who want to take out larger personal loans for big purchases. They have low rates for large, long-term loans, which can be very useful if you have large purchases you need help with. But they have very particular requirements for their credit union members.

Navy Federal Membership Requirements:

  • Veterans
  • Members of the Army, Marine Corps, Navy, Air Force, and Coast Guard
  • Army and Air National Guard personnel
  • Department of Defense civilians
  • U.S. government employees assigned to DOD installations
  • Contractors assigned to DOD installations
  • Immediate family members of any of the above

Who Should NOT Get a Navy Federal Personal Loan?

First of all, if you don’t meet the membership requirements mentioned above, then you can’t get a personal loan from Navy Federal. If you do meet their membership requirements then you have to already be a member with Navy Federal before you can take out a loan with them. Many loan providers with membership requirements also require you to be a member with them for a certain amount of time before they’ll let you take out a personal loan, so be aware of this possibility as well.

An Alternative to Navy Federal Personal Loans

If you’ve decided that a Navy Federal personal loan isn’t right for you, then there are other options. Instead of getting a personal loan where memberships are required you can quickly and easily take out a personal loan with Check City, where no membership is required and our loans are available to anyone who applies. Even if you have a low credit score, you can still apply for a loan at Check City.

Reasons to Get a Check City Personal Loan

choices

Check City is a direct lender. You only deal with our people (and not outside, third-parties) to get your loan.

Check City is a state licensed lender. You can enjoy the peace of mind that we’re doing everything right according to the state you live in.

Our application process is quick and simple. Just fill out a short loan application online and you’re good to go!

Low credit? No problem! You can still apply, even if you have a low credit score.

We have no origination fees.

Get cash TODAY. By visiting a Check City store you can apply and receive loan funds all in the same day.

Shorter loan terms and smaller loans. Not everyone needs a giant loan that they’ll have to finance for the next couple of years. Check City offers small loans that you can pay back in as little as 6 months.

How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is super easy. All you have to do is go to our online Personal Loan Page and fill out the short application form. It only takes a few minutes! You can also apply for a Check City personal loan over the phone or in the store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online at CheckCity.com.

Find Check City Stores Near Me and apply at our store.

Or call Check City’s Loans By Phone number: 800-404-0254

If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

*USAA Personal Loan *Navy Federal Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 8.19% to 18.00%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 36 to 180 months
Min. Credit Score none 660 600 high credit score none

*unique membership requirements.
 
There are many personal loan providers out there to choose from and they all come with their own pros and cons. But as a loan customer, you also have loan requirements to remember when you’re shopping for a loan. Don’t settle for less when it comes to your personal loan and find the right fit for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

How to Make and Keep New Year Resolutions this Year

Explore this Article

new year wishes

The New Year is a significant time for a lot of people. A whole new year is beginning with a whole new you waiting ahead!

The new year is a time of new beginnings and fresh starts for us all. Many of us will attempt to make new year resolutions to better ourselves and our lives this coming year. We see the new year holiday as an opportunity to celebrate the past year and look hopefully toward the year to come. New Years Eve may be one of the most hopeful nights of the year as we start over with the dawn of a whole new beginning.

New Year Resolution Ideas

Have you decided what your new year resolutions are going to be? If not, here are some common new year resolution ideas that you could choose from.

  1. Work on physical health
  2. Work on mental health
  3. Get more organized
  4. Save money
  5. Get out of debt
  6. Quit bad habits
  7. Stick to a budget
  8. Travel
  9. Read more
  10. Find a better job

new year goals

1. Work on physical health
Every body needs to learn good, healthy habits to keep their bodies fit and strong. This goal works for everyone since we can all do a little more to take care of our physical health, whether that means eating better, working out more, or both.

2. Work on mental health
This goal also works for everyone since we can all always do a little more to take care of our mental and emotional wellbeing. Self-care is important and can make accomplishing other goals a lot easier. Mental wellness goals can be anything from resolving to visit a therapist to doing morning yoga for a happier morning routine.

3. Get more organized
Organizing and decluttering your life is another goal that can make keeping other goals easier. Maybe you want to focus on planning more productive days. Or maybe your office space, bedroom, or garage could use a major cleaning and organizing overhaul. This can be a great goal to make as a family to rearrange and reorganize your home and your lives together.

keep new year resolutions guide

4. Save money
We’d all like to save more money, but making this an actual new year resolution might be the focus you need to really make it happen. You can save money in many ways: 1) reduce spending by getting rid of some monthly payments, 2) get a better paying job or a second job, or 3) learn to stick to a budget that allows you to save more money.

5. Get out of debt
Debt can bog down all aspects of our lives. It can keep us from getting the things we need and moving forward with important life steps. Resolve to get rid of debts this year and make an airtight financial plan for how you’ll do it. Maybe this year you can decide to go without certain things so you can afford the bigger payments to bring down your debts faster.

6. Quit bad habits
Bad habits come in all shapes and sizes. You might want to quit smoking this year, or maybe you just want to quit eating junk food. One key trick to quitting bad habits is figuring out how to replace bad habits with better habits to fill the void the bad habit was filling.

7. Stick to a budget
Creating a budget and sticking to it can be a really difficult goal to accomplish. To finally learn to stick to your budget, try focusing on one aspect of your budget at a time in order to more slowly learn how to live according to that budget. This way you’ll take things slower and not fail due to being overwhelmed.

8. Travel more
Traveling can be a great way to expand your views, learn about the world, and learn about yourself. Make sure that in your goal planning you remember to account for time and costs. You might need to use PTO days at work and plan accordingly. There will also be travel costs like gas, tickets, hotels, or whatever else you’ll need to make your traveling plans actually happen. You can also make use of a Check City Installment Loan in your travel budget to help with costs. Plan to prepare before you plan to travel.

9. Read more
Reading is an important hobby we often forget about in our busy lives. To remind yourself to read this coming year create your own reading list. Keep in mind your own reading pace and schedule out your planned reading for the year on a calendar. You can even form a book club and read together with friends.

10. Find a better job
Money might not buy happiness but a good job can make all the difference in your personal and financial life. Finding a better job might be an important goal this year if you’re struggling to not live paycheck to paycheck. It might also be an important goal if the environment at your current job is less than ideal, or if your commute is too long.

How to Set Goals

set goals
Making goals for yourself this new year is a worthy endeavor, but many of us start to fail in our goals around February and give up by March. Why is this? Generally, we fail in our goals because we lack the proper motivation and planning to keep our goals.

1. Don’t set too many goals
One of the main things that keep people from accomplishing their goals is setting too many goals at one time. Instead, stick to only one or two major goals for the year. You may have up to 50 goals you’d really like to accomplish this coming year, but if you want to be successful at keeping your goals, you’ll need to prioritize and focus on the most important ones first.

2. Make a step-by-step plan for your goals
Once you have your resolution in mind, break the goal up into manageable steps. For example, you may want to save up to buy a new car, but you know you can’t just put thousands of dollars aside. However, you do know you can put aside $10 this month, and $20 the next month. Make big goals more manageable by organizing them into small, easy to accomplish steps.

3. Expect and accept setbacks
When trying to accomplish great things you are going to experience setbacks. Don’t let them destroy all your efforts by recognizing that failure is a normal part of any process. But failure doesn’t have to mean absolute failure. You can fall off the horse and get right back on, and at the end of the day, it’s this kind of effort and resolve that gives you the most out of your goals.

How to Stay Motivated

new year resolutions
One way to keep yourself feeling excited about your goals is to make use of new year quotes. You can print out motivational quotes and hang them around your house or bedroom as a reminder of your goals. It’s also a great idea to have a motto of the year that you look to each morning to stay focused, positive, and motivated. Here are just a few of the many quotes you could use as your quote of the year:

“You are never too old to set another goal or to dream a new dream.”

—C. S. Lewis

“Life is change. Growth is optional. Choose wisely.”

—Karen Kaiser Clark

“Never underestimate the power you have to take your life in a new direction.”

—Germany Kent

“Life’s not about expecting, hoping and wishing, it’s about doing, being and becoming.”

—Mike Dooley

“It takes courage to grow up and become who you really are.”
—E.E. Cummings

You can also help yourself stay motivated and achieve your goals by helping others stay motivated and keep their goals. On new years we like to make resolutions for ourselves and give out new year wishes for others. Support your friends and family in their goals by reaching out to them in your new year wishes this year and offer your help and encouragement in their own endeavors.

Lending Tree Personal Loan

By using Lending Tree you can get a Personal Loan from $1,000 to $50,000. But since Lending Tree isn’t a direct lender, you’ll still have to research each loan option before picking an actual lender. For a more straightforward loan, check out the Check City Personal Loan and skip the go-between.

Does Lending Tree offer personal loans? No, Lending Tree does NOT offer personal loans. Instead, they offer services to connect customers to actual loan providers.

There are many loan providers out there that provide personal loans for all kinds of reasons. Each loan provider is different and has its own requirements, rates, and fees to consider. Lending Tree is an example of an indirect lender meaning they themselves don’t provide the loan, instead they connect you to loan providers after reviewing the information you give them so you can compare and choose a loan provider.

Lending Tree Personal Loans: A Quick Look

Lending Tree does not actually have personal loans. What they can do is connect loan customers to lenders that offer personal loans from $1,000 to $50,000. But this loan basic loan range is the most details Lending Tree can offer without more of your personal information to help them determine the kind of loan you could get. You also won’t know how much using Lending Trees services will cost you until after you give them enough personal information.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $1,000

Rates: N/A

Fees: N/A

Terms: N/A

When: N/A

Basically, Lending Tree is a great place to go if you have no idea where to shop for a personal loan. They can give you a couple of loan options to go through and choose from. But it’s important to remember that Lending Tree isn’t an actual loan option, but an extra step in your search for a personal loan.

Who is Lending Tree Perfect For?

Lending Tree is a great place to go when you want some online research help in comparing loan providers. If you need a personal loan and are feeling especially lost in finding one, then Lending Tree can help you pick and choose between loans that could work for you.

Who Should NOT Use Lending Tree for a Personal Loan?

Since Lending Tree doesn’t have personal loans, it may not be the best option for those looking to get their loans quickly. If you need a personal loan fast, then Lending Tree might only make your loan process longer and more complicated. You’ll have to give them all kinds of information about yourself and your finances, then compare the loan options they provide, then go through the actual loan application process. That’s a long time to wait for the funds you need right now. If any of the items listed below sound like you, then you might want to consider skipping the Lending Tree route when searching for a loan.

  • If you need your personal loan money fast
  • If you only want to go through one application process
  • If you don’t want to give out your information to a third party
  • If you want to compare loans for free

An Alternative to Lending Tree

Instead of going through the added hassle of using Lending Tree to search for the perfect loan, take advantage of personal loan reviews like this one to sift out which loan is best for you. You can also skip the loan search entirely and take advantage of the easy to use Check City personal loan.

Reasons to Get a Check City Personal Loan:

personal  loan

  • Check City is a direct lender so you only have to deal with us.
  • Check City is a state licensed lender.
  • Our application process is quick and simple.
  • You can still apply, even if you have a low credit score.
  • We have no origination fees.
  • You can get your loan TODAY.
  • You can pay back your loan in as little as 6 months.
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is super easy to do. The process is quick and simple! All you have to do is go to our online Personal Loan Page and fill out the application form. It only takes a few minutes! You can also apply for a Check City personal loan over the phone or in the store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply online.

Find a location near you and apply in the store.

Or call Check City’s Loans By Phone number: 800-404-0254

If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

USAA Personal Loan Citibank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $2,000 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 7.99% to 23.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 12 to 60 months
Min. Credit Score none 660 600 high credit score high credit score

 

Personal loans all come with their own requirements, but so do you! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

 

READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

DIY Christmas Gifts

diy christmas gift ideas

Get your gift-giving organized this year, and start preparing now for next year by reading up on all our helpful gift-giving articles:

Shopping for holiday gifts can get expensive. One thing that can help with your holiday costs is to take out a small personal loan. Another way to mitigate holiday gift costs is to make some presents yourself! Let’s go over a few DIY gift ideas that are not only cheaper than buying gifts but some of the most thoughtful and personal gifts you could do.

1. Make Food

make food

You can make food for them! The great thing about this DIY gift idea is that the possibilities are endless. You can easily lean on your cooking and baking strengths to make them something yummy. If you love baking you can make them cookies or pumpkin bread. If you love cooking you can make them their favorite dinner. If you aren’t good at either, you can always make them an easy breakfast in bed.

2. Personal Cleaning Service

cleaning

Everyone appreciates a clean home, kitchen, bedroom, etc., but not everyone enjoys having to do the cleaning themselves. This DIY gift idea works especially well for a homemade coupon card. Your gift recipient might also have a specific area in their life that could use an especially good cleaning, like their car or garage. You can even send them away for a fun evening out to dinner or to see a movie while you clean the house for them.

3. Knit a Sweater

christmas sweater

You don’t necessarily have to knit something and it doesn’t necessarily have to be a sweater either. You could also sew, cross-stitch, or crochet something for them. If you’re new to sewing-type crafts then you could knit a simple scarf for them. You could also make them a pillowcase, a blanket, a hat, or mittens. There are many great tutorials online and they’ll love having something you handmade for them.

4. Plan a Fun Activity

christmas date

This one may cost you a little, but it has the potential to save you some money in the short term if you just can’t afford them something right now. You could even hand-make an elegant invitation for them so they still have something to receive on Christmas day. Whoever you’re shopping for, a fun time going to the movies, or to dinner, or to see a performance will be loads of fun and leave them full of even more anticipation after opening your gift. You can also possibly find free or inexpensive shows and performances at your local community arts center or theater.

5. Make a Handmade Christmas Ornament

christmas ornament

With just a few inexpensive items from the craft store, you could make them a beautiful, hand-crafted, and personalized Christmas ornament. This may be one of the easiest and most inexpensive DIY ideas because you may already have what you need at home! With some paper, glue or tape, and some string, you can make a thoughtful gift with almost zero cost.

6. Make a Scrapbook

handmade gift

Scrapbooks are fun and easy to make because you can design them however you choose. They can also contain whatever you want them to! You can include photographs and captions to go over some special memories. Or if you don’ have photos you can recreate memories with drawings, or little items that will help them remember. You could even make a storybook instead of a scrapbook, and tell your own meaningful Christmas tale. You could also go over the things you admire about that person, or make a motivational booklet with your favorite quotes.

7. Make Some Art

handmade gift

Make use of your artistic skills and create something they can hang on their wall! Art is a form of expression and you can use art to express your feelings of love and gratitude this season. If you aren’t sure about your artistic abilities, you could find a free art class at the local library or community center and seek their aid in painting or drawing something special. You might even find another type of arts and crafts class you can take for free, like pottery, and make them something equally homemade and personal.

 

There is a lot of work, thought, and preparation that goes into the gifts we open on Christmas day. We should be able to enjoy buying and creating wonderful, personal gifts just as much as we enjoy opening them up together around the tree. Learn to have fun Christmas shopping by using lists like this one to brainstorm great ideas, and by planning gifts for next Christmas today.


How to Organize All Your Gift Giving This Year

gift organization tips

Don’t let yourself get overwhelmed with gift giving this year with these 8 gift organization tips:

  1. Gather Wish Lists
  2. Stick to a Budget
  3. Keep a Planning Journal
  4. Visit the Store’s Website First
  5. Shop for the Future
  6. Keep Wrapped Gifts Organized
  7. Create a Gift Exchange
  8. Free Gift Organization Apps

There are many reasons to be more organized about gift giving each year. The winter season is a time of many gift giving holidays, but the rest of the year has lots of gift giving occasions as well. There are numerous birthdays to remember, graduations, weddings, Easter, Father’s Day, Mother’s Day, Grandparent’s Day, anniversaries, baby showers, and the list goes on and on.

You need to better organize your gift giving this year because if you don’t you’ll end up . . .

  • forgetting someone
  • going way over budget
  • doing last minute shopping
  • running into the problem where you’ve wrapped gifts and forget who gets what
  • accidentally getting one kid 5 gifts while the rest only have 3
  • confusing who asked for what while shopping

All of these things are pretty catastrophic gift-giving disasters that you do not want to happen to you. But don’t worry, if you just use these gift-giving organization tips you’ll avoid the chaos and have a whole new experience with gift giving.

Gather Wish Lists

The first thing you want to do each year is ask for everyone’s wish lists. Holidays that gather the whole family together are a good time to pass out a crafty wish list printout and have everyone write down what they’d love to receive for birthdays and holidays next year. That way when January comes around, you’ll already know what to start shopping for.

When you’re passing out wish list worksheets, you can also create a list of everyone on your nice list, or everyone you’ll be getting gifts for. That way you’ll have a master list of all your gift recipients so not a single person gets forgotten in the stress and turmoil of shopping and gift planning.

Free Downloadable Wish List Printable: Click Here

Stick to a Budget

After you’ve made a list of all your gift recipients, and gotten gift ideas from all of them, you can start creating a budget. It’s a good idea to create a budget specifically for gifts because unrecorded gift expenses can easily get out of hand. To help your gift spending not get out of hand, you can take out a small personal loan at your neighborhood Check City store.

Start by looking at your household budget and determining how much you can spend on gifts. Then divide that sum between individuals or events—whichever makes more sense for you. For example, if you have a $100 gift budget and you want to give gifts to John and Mary this year, then you can plan on spending $50 on gifts for each of them. If you want to divide your gift budget between events then you might decide to spend $50 on birthday presents, and $50 on Christmas presents for everyone that year.

Free Downloadable Christmas Gift Budget Printable: Click Here or Here

Keep a Planning Journal

Now you need a separate to do list just for gift giving. This will help you keep track of all that is expected of you throughout the year so that you don’t forget any important events. Try creating a separate folder on your computer just for all your lists. That way you can go to one place each year to find your task list for Christmas, Thanksgiving, and whatever other holidays and occasions you have to plan and prepare for. You can also keep all of this information in an event journal where you record all your tasks so that you can become more efficient at planning with every passing year.

You can use an event planner or folder to keep track of other to do lists like all the things you need to do to get your Christmas cards sent, or for your annual family Christmas party put together, or how you did that graduation party. You can also use it to keep track of gifts you’ve received so you’ll remember to send thank you notes to everyone.

You could also make all of this into a bullet journal if you want to get extra crafty. Then you could possibly keep it as a kind of Christmas journal to commemorate important moments as well as plans.

christmas gifts

Keep a Detailed Record

There is a lot to keep track of with gifts to give and holiday parties to plan. That’s why keeping a careful record is important if you don’t want to forget anything and create stress. One way you can easily do all your gift organizing is to use excel. You can make a spreadsheet on excel or create a table in a word or google doc to keep track of the following:

  • List of all the people you need to get gifts for
  • Your total gift budget
  • What you plan to spend on each person
  • What you bought for each person
  • How much each present cost
  • What Santa gift you got for each child
  • Whether each present has been wrapped yet
  • Whether each gift has been sent or given yet

Visit the Store’s Website First

Don’t just show up at your favorite stores and start shopping—this is how we quickly go over budget. Instead, visit the store’s website first. By going to the website before you go to the store, you can take an inventory of what the store has in stock, and easily compare prices between stores. This practice will save you time, energy, and money. Even if you still go to the store to buy your items rather than buying them online, by taking a look at the website first you’ll have a better idea of what everything will cost you and where it’ll fit in your budget. This way you can see ahead of time what you can get and what they cost to add up your gift totals and make adjustments from the comfort and ease of your couch before you even purchase your first gift.

Shop for the Future

In your gift giving journal or word doc you can keep track of all the events each year that include gift giving, and make your plans ahead of time for each holiday or occasion. This way you can have gifts ready well in advance and make better use of sales to save money. Shopping with the future in mind can also help you have a more relaxing experience while gift shopping, because you won’t be under any time constraints.

Free Downloadable Printout for Yearly Gift Giving Planner: Click Here

Keep Wrapped Gifts Organized

Once you’ve planned, recorded, and bought all of your gifts it’s time to start wrapping them! When undertaking the task of wrapping gifts it is important to stay organized by creating a system.

Pick a space (like your craft room or bedroom) that the kids can’t go into and use it as your base of operations for gift organizing and wrapping.

Use bins, boxes, or laundry baskets that have been marked with each kids name and put their gifts in their stack as you purchase them. This will keep their presents organized and you can even use the bins when you put the wrapped gifts under the tree. You can even decorate the boxes to look like one big present if you want to organize the gifts under the tree a bit and not lose anyone’s presents in the back or under a couch. You can also use the gift basket idea to help you stay organized while you’re wrapping. Keep wrapped gifts in their labeled boxes so there’s not confusion later on about what gift belongs to whom.

Lastly, don’t forget to put a clear name tag on each present once you’ve wrapped each one. This will keep your wrapped gifts even more organized and further keep them from getting confused.

Create a Gift Exchange

The one time having a lot of loved ones can become a burden is when it comes to giving gifts. You want to get everyone you love a gift, but that can be hard to do on a budget. One way to fix this problem is to organize gift exchanges. This is especially helpful for extended families that want to get gifts for their many loved ones but can’t afford getting gifts for both their immediate and extended families. christmas gift ideasYou can also do this with a group of your close friends so you all don’t have to get gifts for every friend you have.

Create your gift exchange groups and then designate a system for exchanging names each year. You can all draw names out of a hat, you can do a secret Santa, or you can do a name rotation. Then you can throw a party each year to exchange gifts with each other.

Free Gift Organization Apps

There are many free apps out there you can also use to keep all your gift giving organized. Here are a few free app ideas you can look into:

  • Giftster
  • Santa’s bag
  • Christmas gift list
  • Gift planner
  • Gift list diary
  • Christmas gift list

Planning out your gift purchases ahead of time is the most efficient way to stay organized and on budget this gift giving season. But the real reason to stay organized as possible this year is because the seasons are meant to be enjoyed, and if you have things planned and organized, then your holiday season will be much more stress free and enjoyable.


READ MORE

Read, “Ten of Our Top Tips for Organized Gift Giving” for even more great tips about staying organized this holiday season.

Visit “Organize Your Gift Giving” for more free holiday printable downloads!


Citibank Personal Loan

Citibank offers large personal loans up to $50,000 with payments term options from 12 to 60 months. But Citibank loans also come with income and membership requirements. If you don’t meet these qualifications then check out the no nonsense Check City Personal Loan!

One of the best reasons to get a personal loan is to consolidate debts into one single monthly payment. Many times consolidating debt can even lead to lower interest rates that save you money in the long term. Personal loans can also be used to help with home improvements and other major expenses. All personal loans come with their own benefits and drawbacks, so it’s important to do your research on different loans in order to figure out which loan provider is the best fit for you and your needs.

Citibank Personal Loans: A Quick Look

A Citibank personal loan can be anywhere from $2,000 to $50,000 with an APR range between 7.99% and 23.99%. Citibank personal loans have no origination fees and offer fixed rates so customers can know for sure what they pay. They also offer flexible loan terms between 1 to 5 years. Citibank personal loans are most commonly used to consolidate debts, make home improvements, and pay other large expenses.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $2,000

Rates: 7.99% to 23.99% APR

Fees: no origination fee

Terms: 12, 24, 36, 48, and 60 month terms (1 to 5 years)

When: receive a check in the mail in 5 business days

Basically, Citibank is a great loan provider for anyone who already has a bank account with Citibank. You also need to make at least $10,500 a year in order to qualify for their personal loans and there are some restrictions to keep in mind if you want to take out more than one loan from them. Their loans can be used for a number of larger, personal expenses.

Who are Citibank Personal Loans Perfect For?

A personal loan from Citibank is a great loan option for those with good to excellent credit since applicants with the best credit will get the best interest rates. They can be used for many personal reasons but are the most useful for anyone looking to consolidate high interest debts or finance home projects. If this is the kind of loan you’re looking for, and you match the qualities listed below, then a personal loan from Citibank may be perfect for you.

  • If you have a good or excellent credit score
  • If you need a large loan amount
  • If you already have an account with Citibank
  • If you can wait 5 business days for your funds
  • If you make at least $10,500 a year

Who Should NOT Get a Citibank Personal Loan?

If you have a poor credit score then a Citibank personal loan might not be the best loan option for you. Only applications with excellent credit are able to qualify for the best interest rates. So if you have a poor credit score then you may want to think about getting a personal loan with Check City instead. Below are some other reasons to consider a different loan provider.

  • If you need a small loan
  • If you want to pay off the loan in a few months
  • If you have a low credit score
  • If you want your funds today
  • If you make less than $10,500 a year
  • If you don’t already have an account with Citibank
Citibank Personal Loans Pros and Cons List
Pros Cons
No origination fee Need excellent credit to qualify for lower rates
Get lower rates by using Auto Deduct The check takes 5 days to mail
Get points by using your Citibank checking account Need to be an existing bank account holder
You can only apply online for loans $30,000 and under

An Alternative to Citibank Personal Loans

The Citibank personal loan may not meet your requirements as a loan customer and that’s ok. Everyone has different financial needs when it comes to the terms of a personal loan. If your credit score doesn’t qualify you for a Citibank personal loan, or if you just want a smaller, quicker, short-term loan, then Check City has what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan review

  • We’re a direct lender: Check city doesn’t direct you to lenders, we are the lender.
  • We’re a state licensed lender: Check City offers the safety, security, and trust of a state licensed lender.
  • Loan applications are quick and simple
  • Bad credit scores can still apply
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in just 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is fast and easy. All you have to do to apply online is go to our Personal Loans Page and fill out the application form. It only takes a few minutes!

If you don’t want to apply online then there are two other application options you can choose from. You can visit your local Check City store and apply in person, or you can call a Check City representative with the Loans By Phone number listed below and apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a Check City Personal Loan online is fast and incredibly easy to do, but if you want your loan money even sooner, you can apply in person at a Check City store and walk out with your cash TODAY!

Check City personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a few short months instead of years. It’s also a great loan option for anyone with bad credit who can’t afford the credit score hit of a traditional credit report. If the Check City personal loan sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and GET CASH NOW.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

USAA Personal Loan Citibank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $2,000 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 7.99% to 23.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 12 to 60 months
Min. Credit Score none 660 600 high credit score high credit score

 

All loans come with a set of requirements in order for loan customers to qualify. But loan customers also have requirements for the perfect loan. Every customer needs something different in a personal loan, which is why loan review articles like this one are so helpful. You’ll need to do a little research about different loans if you want to find the best personal loan for you.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

Marcus by Goldman Sachs Personal Loan

Marcus by Goldman Sachs offers large personal loans up to $40,000, but if you don’t have a minimum credit score of 660 then you might want to check out the Check City Personal Loan where low credit score holders can still apply!

One of the best reasons to get a personal loan is to consolidate debts into one single monthly payment. Many times consolidating debt can even lead to lower interest rates that save you money in the long term. But not all personal loans work well for this purpose, so it’s important to do your research on different loans in order to figure out which loan provider is the best fit for you.

Marcus Personal Loans: A Quick Look

A Marcus by Goldman Sachs personal loan can be anywhere from $3,500 to $40,000 with an APR range between 6.99% and 28.99%. Marcus personal loans have no fees and offer fixed rates and terms so customers can know for sure what they pay and when they pay. They also offer flexible loan terms from 3 to 6 years. Marcus personal loans are most commonly used to consolidate debts and multiple balances into one.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.99% to 28.99% APR

Fees: no fees

Terms: 36 to 72 months (3 to 6 years)

When: receive funds in 5 business days

Basically, Marcus by Goldman Sachs is a great place to go when you want to consolidate high interest debts into a lower interest personal loan. Marcus personal loans can also be used for other personal reasons, like budgeting for a wedding, home improvements or repairs, moving costs, and vacations.

Who are Marcus Personal Loans Perfect For?

A personal loan from Marcus by Goldman Sachs is a great loan option for those with good or excellent credit. They can be used for many personal reasons but are the most useful for anyone looking to consolidate high interest debts into one, low-interest payment. If this is the kind of loan you’re looking for, and you match the qualities listed below, then a personal loan from Marcus by Goldman Sachs may be perfect for you.

  • If you have a good or excellent credit score
  • If you need a large loan amount
  • If you want a longer loan term
  • If you can wait 5 business days for your funds

Who Should NOT Get a Marcus Personal Loan?

If you don’t have a good credit score then a Marcus personal loan may not be the best loan option for you. Only applications with excellent credit are able to qualify for the best interest rates and loan terms. So if you have a poor credit score then you may want to think about getting a personal loan with Check City instead. Below are some other reasons to consider a different loan provider.

  • If you need a small loan
  • If you want to finish paying back the loan in a few months
  • If you have a low credit score
  • If you want your funds today
Marcus Personal Loans Pros and Cons List
Pros Cons
No fees No small loan options
Low interest rates Need excellent credit to qualify for lower rates
Rewards for on-time payments Funds take 5 days to reach your bank account

An Alternative to Marcus Personal Loans

The Marcus personal loan may not meet your requirements as a loan customer and that’s ok. Everyone has different financial needs when it comes to the terms of a personal loan. If your credit score doesn’t qualify you for a Marcus personal loan, or if you just want a smaller, quicker, short term loan, then Check City has what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan review

  • We’re a direct lender: Check city doesn’t direct you to lenders, we are the lender.
  • We’re a state licensed lender: Check City offers the safety, security, and trust of a state licensed lender.
  • Loan applications are quick and simple
  • Those with bad credit scores can still apply
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in just 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is fast and easy. All you have to do to apply online is go to our Personal Loans Page and fill out the application form. It only takes a few minutes!

If you don’t want to apply online then there are two other application options you can choose from. You can visit your local Check City store and apply in person, or you can call a Check City representative with the Loans By Phone number listed below and apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a Check City Personal Loan online is fast and incredibly easy to do, but if you want your money even sooner, you can apply in person at a Check City store and walk out with your cash TODAY!

Check City personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a few short months instead of years. It’s also a great loan option for anyone with bad credit who can’t afford the credit score hit of a traditional credit report. If the Check City personal loan sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and GET CASH NOW.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans USAA Personal Loan Marcus Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000 $2,500 to $50,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 5.99% to 20.01% 6.90% to 19.98% 8.99% to 18.00% 6.99% to 28.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees no origination, application, or prepayment fees no sign-up or prepayment fees
Terms 6 months 36 to 84 months 12 to 84 months 24 to 84 months 12 to 48 months 12 to 84 months 36 to 72 months
Min. Credit Score none 660 600 680 660 high credit score 660

 

All loans come with a set of requirements in order for loan customers to qualify. But loan customers also have requirements for the perfect loan. Every customer needs something different in a personal loan, which is why loan review articles like this one are so helpful. You’ll need to do a little research about different loans if you want to find the best personal loan for you.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

USAA Personal Loan

USAA members can get Personal Loans up to $50,000, but if you don’t qualify for a USAA membership then you’ll need to find a different loan provider. For a Small and Flexible Personal Loan check out the Check City Personal Loan where no membership is required!

USAA Membership Requirements: USAA membership eligibility depends on who you are since USAA memberships are only available to certain people. In order to qualify for a USAA membership you must be one of the following:

  • Active duty officers
  • National Guards
  • Reserve officers
  • Veterans
  • Officer candidates in commissioning programs
  • Enlisted personnel
  • Spouse of a USAA member
  • Adult children of a USAA member

Personal loans are often used in financial emergencies when you suddenly need funds to pay for bills and other unexpected expenses. Because of this it’s a good idea to shop ahead of time for the loan provider that best fits you and your needs so you’re not making any rushed decisions when it comes to your loan options. After all, you have your own requirements for the perfect personal loan.

USAA Personal Loans: A Quick Look

A personal loan from USAA can be anywhere from $2,500 to $50,000 with an APR range between 8.99% and 18.00%. USAA personal loans have no origination fee, no application fee, and no early repayment fees. USAA members with a personal loan can get loan terms between 1 and 7 years. USAA personal loans are most often used for home repairs or improvements and emergency bills.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $2,500

Rates: 8.99% to 18.00% APR

Fees: no origination fee, no application fee, no prepayment fee

Terms: 12 to 84 months (1 to 7 years)

When: you can get your loan funds as soon as 24 hours after application approval

Basically, USAA personal loans are a great loan choice for USAA members. They are a medium sized personal loan with flexible loan repayment terms. They also offer lower rates for their members, making this loan a good option for anyone who already has a USAA membership and needs a loan for emergency expenses.

Who are USAA Personal Loans Perfect For?

The USAA personal loan is great if you already have a membership with USAA and have some sudden expenses you need to take care of. They are most often used for making home improvements or taking care of home repairs. If you meet USAA’s membership requirements, and just need a loan to help with the house or other unplanned bills, then this loan may be perfect for you. Here are some other indicators that you should get a USAA personal loan:

  • If you already have a USAA membership
  • If you have good credit
  • If you need a large loan amount
  • If you want a longer loan term option

Who Should NOT Get a USAA Personal Loan?

A membership with USAA comes with special requirements that not everyone can meet. USAA memberships are available to anyone serving (or those who have served in the past) in the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, or Reserves, and to close family members. If you don’t qualify for a USAA membership or you can’t afford a hard credit pull loan application, then consider a personal loan with Check City instead. Here are a few more reasons you should think about a Check City personal loan instead of a USAA personal loan:

  • If you need a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t qualify for a USAA membership
  • If you need same day funds
  • If your credit score can’t afford a hard credit pull
USAA Personal Loans Pros and Cons List
Pros Cons
Flexible terms Hard credit pull that will affect your credit score
No fees Must be a USAA member

An Alternative to USAA Personal Loans

USAA personal loans may not meet your requirements as a loan customer. If this is the case for you then check out the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan

  • Check City is a direct lender
  • Check City is a state licensed lender
  • Our application process is quick and simple
  • You can still apply if you have a low credit score
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in 6 months
How to Apply for a Check City Personal Loan

The application process for a Check City Personal Loan is fast and simple. All you have to do to apply for a personal loan with Check City is go to our Personal Loan Page and fill out the application form on the side of the page. It only takes a few minutes! We have other loan application options available as well if you don’t want to apply online. You can also visit your local Check City store
or talk to a representative on the phone to apply.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in person at a Check City store and walk out with your personal loan funds the SAME DAY! Our personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a matter of months instead of years. Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t use a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans USAA Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000 $2,500 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98% APR 8.99% to 18.00% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees no origination, application, or prepayment fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months (2 to 7 years) 12 to 48 months (1 to 4 years) 12 to 84 months (1 to 7 years)
Min. Credit Score none 660 600 680 660 high credit score

 

When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

American Express Personal Loan

American Express offers Personal Loans up to $40,000, but are only available to existing members. If you want a more flexible and inclusive loan then you might want to try the Check City Personal Loan, where you don’t need a card membership to apply.

Shopping for a loan can be a hassle. There are so many pros and cons to consider, from the minimum required credit scores to APR ranges. We’re here to make your loan research a little easier as we go over personal loan options near you. That way you can weight the costs and benefits of different loans in one spot and find the personal loan that best suits your personal needs.

American Express Personal Loans: A Quick Look

With an American Express membership card you can take out a personal loan from $3,500 to $40,000 and get an APR anywhere between 6.90% and 19.98%. They also don’t have origination fees, but they do have late fees for when you’re late on payments. These loans come with a shorter loan term of 1 to 4 years and you can expect to receive your funds in 1 to 7 business days after your application gets approved.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.90% to 19.98% APR

Fees: no origination fee, there are late fees

Terms: 12 to 48 months (1 to 4 years)

When: 1 to 7 business days

Basically, the American Express personal loan is a large loan that you pay off in a few short years. They’re generally used for home improvement, weddings, the costs of moving, or traveling. You can also use their personal loans to consolidate debts with higher interest rates. The only catch is that you’ll need to be an American Express card holder in order to even apply, so if you aren’t already affiliated with American Express you may want to look elsewhere for your loan where a membership isn’t required.

Who are American Express Personal Loans Perfect For?

A personal loan from American Express is perfect for anyone in need of a large loan that they don’t want to be paying back for more than 4 years. The American Express personal loan is most perfect for loan customers who already have an American Express card. If you’re already an American Express customer and the below items also represent your needs, then the American Express personal loan may be the perfect loan for you.

  • If you have a good credit score
  • If you need a large loan amount
  • If you want to finish paying off the loan in 4 years
  • If you already have an American Express account

Who Should NOT Get an American Express Personal Loan?

If the items mentioned in the previous section don’t apply to you then don’t worry—there are other loan options out there. Maybe you’re looking for an even smaller personal loan that you can pay off in a matter of months instead of years. If you find yourself in this category of loan customer then you should consider Check City for your flexible personal loan provider.

  • If you want a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t already have an American Express account
  • If you need a personal loan today
American Express Personal Loans Pros and Cons List
Pros Cons
You can get a decision on your application in seconds You must be a cardholder to apply
The application doesn’t affect your credit score You must be preapproved to apply
They have no origination fees They do charge late payment fees

An Alternative to American Express Personal Loans

If an American Express personal loan doesn’t meet your requirements as a loan customer then you need to take a look at the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

american express personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan has a fast and simple application process. All you have to do is visit the Check City Personal Loan Page. From there you can finish your loan application in just a few minutes. You can also apply for a Check City personal loan inside any of our stores, or by calling a Check City representative to apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a personal loan from Check City is fast, easy, and anyone can apply. So you don’t need to already be a Check City customer and you don’t need to have a high credit score to apply. Check City also offers multiple ways to apply for your loan. You can apply online, over the phone, or at any Check City location. You only need a few things to apply and Check City personal loan applications only take a few minutes.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months 12 to 48 months (1 to 4 years)
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 680 660

 

Personal loans come with requirements and so do you! You need a personal loan that works best for you and your needs which is why you’re researching loan providers before making a choice. Everyone is looking for something different in a personal loan; like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key features with a Check City Personal Loan!

 

READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

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