Be a Wise Borrower of Unsecured Loans!
Other Personal Finance Information and Help
Other resources on this web site to help you learn about unsecured lending:
What can You Use an Unsecured Loan For?
What are the Benefits of Unsecured Loans?
Unsecured vs Secured Loan – The Difference
Unsecured Lending vs Credit Card – The Difference
Be a Wise Borrower
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When you need to borrow money, keep this advice in mind:
- Before you borrow, think about whether what you plan to buy is something that’s needed or just something you’d like to have.
- Research lenders, loan types, interest rates and fees before you choose a loan.
- Always read any loan agreement carefully before you sign it.
- Don’t hesitate to ask questions. If you don’t understand the agreement or if it’s different than what the lender told you when you applied for the loan, have the lender clearly answer your questions.
- Before deciding how much to borrow, carefully review how much money you make each month to make sure you can afford the payments for the loan.
- Always make your payments on time and in full to protect your good credit.
- If you have problems making your payments, talk to your lender immediately. Often the lender can help you develop a plan to avoid defaulting on your loan.
Copyright © 2008-2011 OneMain Financial. OneMain Financial is not affiliated with UnsecuredLoan.bz or Infinamic, Inc.
Other Consumer Finance Resources
The Debt Consolidation Loan Directory has a growing library of consumer finance resources that are offered to help a consumer become educated and make more informed financial decisions. In addition, the directory also offers several subdirectories allowing you to shop for several financial services providers, from debt consolidation loans to life insurance products:
Consumer Information from the FDIC – The Federal Deposit Insurance Corporation preserves and promotes public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions for at least $100,000; by identifying, monitoring and addressing risks to the deposit insurance funds; and by limiting the effect on the economy and the financial system when a bank or thrift institution fails. The FDIC offers numerous resources for the management of your debt and money. (Personal Finance Info)
Understanding Annual Percentage Rate (APR) – Want to make sure you are a wise borrower when getting a loan for debt consolidation or other financing? Start by understanding the meaning of APR. Unlike the term "interest rate", "annual percentage rate" represents the true cost of obtaining credit. (Personal Finance Info)
Debt Management Programs – Do you have a lot of monthly payments? Do you have to many to manage them properly? Review and compare this list of services designed to provide debt help and get your situation under control. (Directory of Debt Management Companies and Programs)
