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Latest Blog Posts
View All Studies [toc] Citing Article 9 of Hawaii’s Code of Financial Institutions, licensed lenders are required to cap consumer loans at $25,000. For precomputed loans, interest rates are capped at 14% per year for the first 18 months, 10.5%...
View All Studies [toc] The Georgia Industrial Loan Act requires licensed lenders to cap loans at $3,000 and terms at 36 months and 15 days. However, banks, trust companies, credit unions, real estate loan or mortgage companies, federal savings and...
View All Studies [toc] The Florida Consumer Finance Act caps lines of credit at $25,000. However, the ceiling does not apply to banks, savings institutions, trust companies, credit unions, industrial loan companies, investment companies, building and loan associations or pawnbrokers....
View All Studies [toc] Licensed Lenders in Delaware are required to cap short-term installment loans at $1,000. These are loans of less than 60 days that are “not secured by title to a motor vehicle.” However, the state does not...
View All Studies [toc] Connecticut’s usury law puts a 12% APR-cap on all non-regulated loans. However, lenders registered with Connecticut’s Department of Banking (DOB) can levy APRs upwards of 36% for loans up to $15,000. These include licensed banks, credit...
Can I get a bank bad credit loans? Unfortunately, the answer is no. But don’t worry, there are plenty of other options. Online lenders offer personal loans to people with bad credit. And in today’s market, you can obtain a...
View All Studies [toc] Annual fees are the most common form of credit card fees. They’re charged by issuers to access various perks, usually inherent with rewards credits cards. As expected, rewards cards have the highest annual fee, while business...
After allegedly operating a $133 million illegal payday loan racket, Think Finance has agreed to void all of its outstanding loans and pay $40 million to reimburse victims. A national payday lender, Think Finance was accused of offering payday loans...
Choosing the right life insurance policy can seem like a daunting task. There are so many options available and terms are often confusing and unfamiliar. Even those that do their homework still end up making mistakes from time to time....
If you have bad credit, you know how difficult it is to navigate. Whether you’re purchasing your first home or borrowing for your next car, bad credit can severely limit your options. To make matters worse, your cost of borrowing...