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Wells Fargo Personal Loan

Wells Fargo offers Personal Loans up to $100,000. But if you don’t have a 600 Credit Score and you aren’t already a Wells Fargo customer is it the right loan for you?

Not all loans are created equal. Each loan has their own features and requirements. That is why it’s important to do a bit of research while you’re shopping for loans before you pick one, so you get the loan that makes the most sense for your own personal needs.

Wells Fargo Personal Loans: A Quick Look

Wells Fargo offers personal loans from $3,000 to $100,000 with an APR range from 5.49% to 22.99% with no origination fees or prepayment penalties. They also offer a wide range of payback periods from as little as 12 months up to 84 months. They also offer special benefits for loan customers that already have a Wells Fargo account.

Maximum Personal Loan: $100,000

Minimum Personal Loan: $3,000

Rates: 5.49% to 22.99% APR

Fees: There are no origination fees or prepayment penalties

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

When: The next business day, if your loan is approved.

Basically, the Wells Fargo personal loan is a larger loan with a short or long-term payment plan. This loan is often used to consolidate debts, to make a large purchase (like home improvements), or to cover emergency expenses. They also offer a competitive fixed rate, fixed term, and fixed monthly payments. Their loans also don’t require collateral.

Who are Wells Fargo Personal Loans Perfect For?

The Wells Fargo personal loan is great if you need to consolidate heavy debts with high interest rates. It’s also a good loan if you need a larger loan for things like major home improvements or college tuition. If you need a much larger loan and you meet the below requirements, then this loan may be perfect for you.

  • If you have a credit score of 600 or higher
  • If you need a large loan amount
  • If you need to consolidate larger debt amounts
  • If you need to make larger purchases
  • If you already have a Wells Fargo account

Who Should NOT Get a Wells Fargo Personal Loan?

If you don’t meet the above requirements, or you’re just looking for a quicker, smaller personal loan, then you may want to keep shopping for your perfect loan. If any of the listed items below represent you, then you should consider a different personal loan provider.

  • If you need a smaller loan
  • If you want to pay back the loan in less than a year
  • If you don’t already have a Wells Fargo account
  • If you need your loan quickly, or that same day
  • If you have a low credit score
  • If your credit score can’t afford a hard credit pull application
Wells Fargo Personal Loans Pros and Cons List

Though personal loans with Wells Fargo may be a great option for some, there are some reasons they may not be the best loan fit for others.

Pros Cons
You can get a really large loan of up to $100,000 You can’t get a small loan of less than $3,000
They offer secure loans Their secure loans have a $75 origination fee
There are no origination fees or prepayment penalties You need a credit score of at least 600
Their loan application involves a heavy credit score check
The application requires a lot of information

An Alternative to Wells Fargo Personal Loans

Check City offers a different kind of personal loan. So if the features and requirements present in a Wells Fargo personal loan don’t work for you, a Check City personal loan might be your answer.

check city personal loan

Reasons to Get a Check City Personal Loan
  • Check City is a direct lender
  • Check City is also a state licensed lender
  • The application process is quick and simple
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
How to Apply for a Check City Personal Loan

Check City personal loans are incredibly easy to use. Just visit the Check City Personal Loan Page and you can quickly apply for your loan online, at a nearby Check City store, or even over the phone!

All you need to apply for the loan is:

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

Apply for a Check City Loan Online by clicking HERE.

Find a conveniently located Check City Store by clicking HERE.

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

Check City personal loans have a fast and easy process, and if you go into a Check City store to apply, you can actually walk out with your personal loan funds that very same day! Check City personal loans are great for loan customers that need a quick, easy to use, smaller personal loan that they can pay back in a matter of months instead of years. They’re also a great loan option for customers with lower credit scores since Check City doesn’t pull a traditional credit report when processing your application.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 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

 

When you think of loans you often think about the requirements you need to meet in order for you 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.”

Discover Personal Loans

Discover offers Personal Loans of up to $35,000. But with a 660 Credit Score requirement and 36-Month Minimum is it the right loan for you?

Not all loans are created equal. Each loan has their own features and requirements. That is why it’s important to do a bit of research while you’re shopping for loans before you pick one, so you get the loan that makes the most sense for your own personal needs.

Discover Personal Loans: A Quick Look

Discover offers personal loans from $2,500 to $35,000, with an APR range from 6.99% to 24.99%, and no origination fees or closing costs. They also offer longer payback periods from 36 to 84 months, and you don’t need a co-signer to apply for their personal loans.

Maximum Personal Loan: $35,000

Rates: 6.99% to 24.99% APR

Fees: There are no origination fees and no closing costs

Terms: 36 months up to 84 months, or 3 to 7 years

When: 1 to 7 business days. The soonest you can expect your personal loan funds to drop into your account would be by the next business day, and this is only if your application goes through smoothly without errors, and is submitted on a weekday. So funds can sometimes take up to 7 days to get to you, depending.

Basically, the Discover personal loan is a large, long-term loan, often used when you have lots of debts
to consolidate into one place. It’s a personal loan for those who are ready to make a larger commitment.

Who are Discover Personal Loans Perfect For?

The discover personal loan is great if you need to consolidate heavy debts with high interest rates. It’s also a good loan if you need a larger loan for things like major home improvements or college tuition. If you need a larger, more long-term loan and you meet the below requirements, then this loan may be perfect for you.

  • If you have a credit score of 660 or higher
  • If you need a larger loan amount
  • If you need a long-term, 3 to 7 year loan
  • If you need to consolidate larger debt amounts

Who Should Not Get a Discover Personal Loan?

If you don’t meet the above requirements, or you’re just looking for a quicker, smaller personal loan, then you may want to keep shopping for your perfect loan. If any of the listed items below represent you, then you should consider a different personal loan provider.

  • If you need a smaller loan
  • If you don’t want locked into a 3 to 7 year commitment
  • If you want the added safety of a cosigner
  • If you need your loan quickly
  • If you have a low credit score
  • If you make less than $25,000 a year
Discover Personal Loans Pros and Cons List

Though personal loans with Discover may be a great option for some, there are some reasons they may not be the best loan fit for others.

Pros Cons
They can send the personal loan funds straight to your creditors Your payback term has to be at least 3 years
There are no origination fees or closing costs They do have late payment fees of $39
You can get very large loan amounts Your loan has to be at least $2,500
You don’t need a cosigner You need a minimum credit score of 660

An Alternative to Discover Personal Loans

Check City offers a different kind of personal loan. So if the features and requirements present in a Discover personal loan don’t work for you, a Check City personal loan might be your answer.

Reasons to Get a Check City Personal Loan:

family

  • Check City is a direct lender
  • Check City is also a state licensed lender
  • The application process is quick and simple
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
How to Apply for a Check City Personal Loan

Check City personal loans are incredibly easy to use. Just visit the Check City Personal Loan Page and you can quickly apply for your loan online, at a nearby Check City store, or even over the phone!

All you need to apply for the loan is:

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

Apply for a Check City Loan Online by clicking HERE.

Find a conveniently located Check City Store by clicking HERE.

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

Check City personal loans have a fast and easy process, and if you go into a Check City store to apply, you can actually walk out with your personal loan funds that very same day! Check City personal loans are great for loan customers that need a quick, easy to use, smaller personal loan that they can pay back in a matter of months instead of years. They’re also a great loan option for customers with lower credit scores since Check City doesn’t pull a traditional credit report when processing your application.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 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

 

When you think of loans you often think about the requirements you need to meet in order for you 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.”

Learn How to Improve Credit Score Quickly

In today’s society, it is really important to have a good credit score. Many of us are trying to figure out how to improve credit score quickly! Whether you are just starting out, or trying to repair your credit, don’t worry! It’s never too late to improve your credit score. Here are some tips and tricks to help you build your credit score:

Payments

A great tip for building your credit score is paying your bills on time. Paying your bills on time or before the due date with help you build credit. It is always important to have consistency in your payments. Paying back your debt on time will show the company that you don’t panic with your payments, but you spend adequate time preparing to pay it off

Lines of Credit

If you can manage it, instead of reducing your lines of credit down to one, trim them to just two or three. Operating and properly maintaining two to three lines will show creditors that you can properly manage your finances. What if you forget to pay your bill on the day it’s due? What if you forget about a bill because you forgot you purchased something with that second credit card? These are both risks that you need to be aware of and prepared for. The more aware you are, the more trustworthy you are to creditors. However, if you are not able to manage multiple accounts, then you should not have more than one line of credit. Having more than one is only helpful if you manage them well and pay each bill on time.

Using a Credit Card

When learning how to improve credit score quickly, it is very important you know how to use a credit card. Credit cards are a great way to build your credit if done properly. Don’t let your balance add up, pay your balances off in a timely manner and it will help improve/build your credit score. It is always important to do research and seek professional help when finding/using a credit card.

Here are some simple tips to help you use your credit card responsibly and build credit:

  • Pay off your card on time. You don’t need to carry a balance in order to get a better score, so make sure to always pay your card on time.
  • Pay bills on time. Creditors will look at your history. Late payments will not look good on your score.
  • Don’t carry a large balance. Don’t max out your credit card, it looks bad to future creditors and it won’t look good on your credit score.

Closing Credit Cards

If you are thinking about canceling a credit card – reconsider. Canceling your card will actually make your credit score drop. If you are thinking about canceling the card, just quit using it instead. It is always important to contact a professional when making credit card decisions.

Thank you for reading! We hope you have learned some great tips on how to improve credit score quickly.

Understanding a Couple Myths about Your Credit Score

The term “credit score” like many other financial terms has many myths associated with it that can sometimes mislead and misinform the general public. A person’s credit score is, at its most basic level, a three digit numerical score used to reflect a person’s reliability when it comes to paying back their creditors. This score is important because it is used by financial institutions and money lenders to determine and assess the likelihood of receiving back with interest the money they lend out to people. A good credit score will often provide the lender with the security they prefer to approve a loan to an individual while a bad credit score will often cause a lender to deny the issuing of a loan to a person who has been shown to be less reliable in paying off their debts.

Reviving loans from lenders is often seen as a necessity whether that loan is a small payday loan or a substantial home mortgage. Because of this, people wish to retain a good credit score that will help them to receive loans in order to help them provide a stable financial future. However, many people are at times lured into believing varying myths about credit scores and what can affect them.

One main myth concerning credit scores is the false believe that paying off all debts will instantly clear a person’s credit score of its poor marks and make the credit score instantly immaculate. This is not the case. While paying off debts will certainly help a person’s overall finances and will, over time, positively influence a credit score, the past cannot be changed and habits that have led to a bad credit score cannot be erased from a credit score’s record.

A second and main myth surrounding a person’s credit score is that a person’s credit score will suffer if that person attends a credit or debt management programs offered by debt management companies. Attending one of these classes can be extremely beneficial to individuals who are struggling with managing their debt and will have no influence on their credit score.

These myths and others like them can cause more damage than good to debtors looking to improve their credit score. Education on the topic of what is and what is not included into a credit score is the best way for individuals to improve their existing credit.

Avoid Causing Pain to Your Credit Score

Does closing a credit card hurt your credit? Does missing a loan payment hurt your credit score? Does debt consolidation hurt your credit? Does checking your credit score hurt your credit? These, along with many other questions are ones that you should know the answer to in order to get a better credit score and or keep your credit score high.

Do you understand what credit score is? Many understand the basics, it is a number based on financial relationships that you have had with significant companies, like banks and apartment complexes. For example, if you do not pay a bill, or you miss a rent payment, etc. then your credit score could drop. The more frequently these things happen, the worse your credit score becomes. The less this happens, the better your credit score. It’s simple enough right?

Here are some helpful tips and tricks to help you from hurting your credit score:

Build Credit

If you have never had a credit card or have never taken out a loan, chances are you aren’t building any credit. Banks are far less likely to grant you a large loan for a car or house if you don’t have any credit. It is always important to be building credit and improving your credit score. Talk to a professional to help you find the best credit building methods.

Zero Percent

Credit scores are weighted heavily on how much you owe on revolving accounts. For example, if you have a credit limit of $500 on your card and you have a $50 balance, then you are using 10% of it. Your goal is to stay as close to 0% as you can. Some will tell you to stay between the 30 and 50% range, but in the long run, the healthiest level is zero, as you don’t owe anything in that case. Consistent low percentages on your credit card will show the credit companies that you have a solid foundation and you are able and willing to pay your bills off on time. Note: Companies also look at all of your balance histories on all of your revolving accounts. In plain and simple words, pay your bills on time and if you use a credit card pay it off as soon as possible.

Pursuing New Credit Lines

Believe it or not, the more often you make credit inquiries the more you hurt your credit score. Keep these things to a minimum. These things will hurt you more than help you. Be careful picking what credit cards you use. Don’t sign up for a card just because the incentives you’ll immediately get. Talk to a professional to find the best credit card for your needs.

Closing Credit Cards

A big chunk of your credit score is based on the length of your credit history, so a longer credit history is better. Often times, 15% of your credit score is based on your credit history length. If you close a credit card, especially one with a long history, this will make your credit history look shorter. This is why it is really important to do your research and talk with a professional to find a long-term card that best fits your needs.

4 Ways to Improve Credit Score

In the modern world, credit has become an essential part of many aspects of life. That means credit score can have an impact on your success.

If you have poor credit you might feel a bit hopeless, but you don’t have to. There are many things you can do to improve your credit and make your life a lot easier.

In regards to credit cards, you have probably heard of the classic 3 ways of boosting your credit score: keep an eye on your credit report, reduce the amount of debt you have and pay everything off on time. These three tips are important but often easier said than done.

Beyond those 3 basic tools, here are 4 great ways to improve credit score.

1) Low Balance

Credit reports take into consideration how much of your total credit limit you use consistently. If you are using a high percentage of your credit limit consistently, your credit score will drop. Strive to keep a low balance on your credit cards and it will keep your credit score high.

2) Making Multiple Payments

If you are paying off a credit card or making payments, consider making multiple payments within a month. This can do 2 things for you. First, it will reduce the total balance you owe, showing credit reports that you consistently owe less at the end of every month.

Second, that bill will take first priority when your pay check comes in. When you realize that you owe a certain amount every week, you’ll be more careful to save the money necessary to pay it off on time.

These are great ways to improve credit score!

3) Manageable Number of Credit Cards

It can be tempting to keep getting new credit cards, but the more cards you have the more difficult it is. Try to minimize the number of credit cards you have so you can stay on top of payments and be more successful in raising your credit score.

4) Keep Paid Debts on Your Record

Repaying your debts makes you look good, and that means you should keep your old paid debts on your report for as long as you can. This will show that you do repay your debts and will improve your score significantly.

Improving your credit score can have huge benefits in life. We hope we have taught you some great tips on how to improve your credit score.

How to Build Your Credit

Your credit score is a big financial influence in your lifetime. This score often times can determine where you live, the car you drive, and the kind of loans you can get. Your score is quite important when it comes to determining your financial leverage.

Those who have been prompt with payments, use their cards and pay them off on time are going to have better credit scores than those who have not. You always want to be working toward improving this score, no matter what.

The good news for those who might have made mistakes with financial transactions in the past is credit scores can always be improved. It may take some time and effort, but there is no reason to give up hope altogether. We are here to help teach you some tips on how to build credit score. Here are some useful tips when learning how to build your credit:

Credit Card

The first step is to use a credit card in the correct manner. It is really important to make your payments on time and in the correct manner to help build your credit. Rather than carrying a balance on your credit cards, use them as if they were cash. Don’t make a purchase unless there is money in the bank to back it up, and consistently pay your credit cards off. Credit cards are really important when learning how to build your credit.

Set Up Automatic Bill Pay

Setting up automatic bill pay will ensure you to never miss a payment. The payment will be automatically taken out of your account. If you are paying on time, your credit score won’t be lowered. Creditors want to see that you use credit and pay it off.

To make sure you are building good credit, set up an automatic bill pay on your credit cards. That way, your minimum payments will be deducted automatically from your bank account, and you won’t have to worry about forgetting to make the payments yourself.

Look Forward to a Bright Credit Future!

When you pay off charges to your cards as soon as possible, you will get the best results overall. Doing so will build up your credit score by improving your average over time in a significant way. Look forward with a bright future and start building your credit today! We hope you have enjoyed our tips and learned how to build your credit better.

Building Credit with Credit Cards

Managing Credit Cards

In today’s world, credit cards make life flow smoothly and are a vital part of the way we both spend and manage our money. If you want to see a movie, one quick swipe of plastic opens the door. In fact, credit cards are a necessary tool to establish, and even build credit. If you apply for a mortgage, or a car loan, your credit card history will go a long way toward getting you approved. However, managing credit cards can be much more complex than people think. Each credit card is a separate debt. How you manage these debts can dramatically affect your credit score, and determine your ability to be approved for a home or car.

The ease of using a credit card can be a double-edged sword. If not carefully managed, credit cards can negatively affect your goal of building credit. If you don’t keep track of purchases, it’s incredibly easy to charge more than you anticipated and end up with a larger than intended balance.

It’s important to understand the effect balances and payments have on your credit score to help you make effective credit card management decisions. Each card likely has a different credit limit and interest rate. Consider the following tips to help manage your credit cards effectively and how to build credit with a credit card.

Tip #1: Payments

The first rule to understand about credit cards is how payments work. When you make a payment on-time, you raise your credit score and you are building credit. Late payments reduce your score. It is very important to make your credit card payments on time.

Tip #2: Utilization Ratio

The next rule to understand is the ratio of credit card balance to the maximum balance. The credit rating companies compare the maximum available balance to the current balance. For example, if you have a card with a maximum balance of $2,500.00 and your balance is $1,000.00; the utilization rate is 40%. Basically, the lower the utilization rate, the higher your credit score. Your utilization ratio can be reduced when you lower your balance. The important take-away is to remember, on-time payments and a low utilization ratio will ensure a higher credit score and help with building credit.

Tip #3: Card Age

Believe it or not, the age of your credit cards are an important factor if they have been used consistently. Older cards with current payments and a low utilization ratio reflect stability and consistency to the credit rating companies. If you are constantly taking out new credit cards, the agencies can see this as evidence of financial trouble.

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