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117                <div class="container">
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119                        
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170    </div>
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172  <ul class="navbar-links" id="navbarLinks">
173
174    
175
176    
177   
178      <li class="dropdown">
179        <a href="https://credit.com/credit-cards/search" class="dropdown-toggle">
180
181          Credit Cards
182        
183        </a>
184
185        
186          <div class="dropdown-menu desktop-dropdown">
187            
188              <div class="dropdown-section has-accordion">
189                
190                 
191                  <button class="accordion-toggle">
192                    By Category 
193                    <span class="chevron-icon icon icon-1"></span>
194                  </button>
195                  <ul class="accordion-content">
196                    
197                   
198                      <li>
199                       <a href="https://credit.com/credit-cards/balance-transfer">
200        Balance Transfer Cards
201</a>
202                      </li>
203                    
204                   
205                      <li>
206                       <a href="https://credit.com/credit-cards/secured">
207        Secured Cards
208</a>
209                      </li>
210                    
211                   
212                      <li>
213                       <a href="/credit-cards/bad-credit">
214        Cards for Bad Credit
215</a>
216                      </li>
217                    
218                   
219                      <li>
220                       <a href="https://credit.com/credit-cards/browse">
221        Browse cards
222</a>
223                      </li>
224                    
225                  </ul>
226                 
227                <div class="dropdown-divider"></div>
228              
229                
230              </div>
231
232             
233            
234              <div class="dropdown-section has-accordion">
235                
236                 
237                  <button class="accordion-toggle">
238                    By Credit Score
239                    <span class="chevron-icon icon icon-1"></span>
240                  </button>
241                  <ul class="accordion-content">
242                    
243                   
244                      <li>
245                       <a href="https://credit.com/credit-cards/bad-credit">
246        Cards for Bad Credit 
247</a>
248                      </li>
249                    
250                   
251                      <li>
252                       <a href="https://credit.com/credit-cards/poor-credit">
253        Cards for Poor Credit
254</a>
255                      </li>
256                    
257                   
258                      <li>
259                       <a href="https://credit.com/credit-cards/fair-credit">
260        Cards for Fair Credit
261</a>
262                      </li>
263                    
264                   
265                      <li>
266                       <a href="https://credit.com/credit-cards/good-credit">
267        Cards for Good Credit
268</a>
269                      </li>
270                    
271                   
272                      <li>
273                       <a href="https://credit.com/credit-cards/excellent-credit">
274        Cards for Excellent Credit
275</a>
276                      </li>
277                    
278                   
279                      <li>
280                       <a href="https://credit.com/credit-cards/no-credit">
281        Cards for No Credit
282</a>
283                      </li>
284                    
285                   
286                      <li>
287                       <a href="https://credit.com/credit-cards/student">
288        Cards for Students
289</a>
290                      </li>
291                    
292                  </ul>
293                 
294                <div class="dropdown-divider"></div>
295              
296                
297              </div>
298
299             
300            
301              <div class="dropdown-section has-accordion">
302                
303                 
304                  <button class="accordion-toggle">
305                    Reviews &amp; Tools 
306                    <span class="chevron-icon icon icon-1"></span>
307                  </button>
308                  <ul class="accordion-content">
309                    
310                   
311                      <li>
312                       <a href="https://credit.com/credit-card-guide">
313        Credit Card Guide
314</a>
315                      </li>
316                    
317                   
318                      <li>
319                       <a href="https://credit.com/what-kind-credit-card">
320        What Kind of Credit Card Do I Qualify For?
321</a>
322                      </li>
323                    
324                   
325                      <li>
326                       <a href="/blog/how-to-pick-your-first-credit-card">
327        How to Get Your First Credit Card
328</a>
329                      </li>
330                    
331                   
332                      <li>
333                       <a href="/blog/credit-cards-with-no-spending-limit">
334        No Spending Limit Credit Cards
335</a>
336                      </li>
337                    
338                   
339                      <li>
340                       <a href="https://credit.com/credit-cards-for-bad-credit">
341        How to Get a Credit Card with Bad Credit
342</a>
343                      </li>
344                    
345                   
346                      <li>
347                       <a href="https://credit.com/tools/credit-card-payoff-calculator">
348        Credit Card Payoff Calculator
349</a>
350                      </li>
351                    
352                  </ul>
353                 
354                
355              </div>
356
357             
358            
359          </div>
360        
361      </li>
362    
363   
364      <li class="dropdown">
365        <a href="/" class="dropdown-toggle">
366
367          Credit Score
368        
369        </a>
370
371        
372          <div class="dropdown-menu desktop-dropdown">
373            
374              <div class="dropdown-section has-accordion">
375                
376                 
377                  <button class="accordion-toggle">
378                    Products
379                    <span class="chevron-icon icon icon-1"></span>
380                  </button>
381                  <ul class="accordion-content">
382                    
383                   
384                      <li>
385                       <a href="https://credit.com/free-credit-report-card">
386        Free Credit Report Card
387</a>
388                      </li>
389                    
390                   
391                      <li>
392                       <a href="https://credit.com/free-credit-score">
393        Free Credit Score
394</a>
395                      </li>
396                    
397                  </ul>
398                 
399                <div class="dropdown-divider"></div>
400              
401                
402              </div>
403
404             
405            
406              <div class="dropdown-section has-accordion">
407                
408                 
409                  <button class="accordion-toggle">
410                    Guides
411                    <span class="chevron-icon icon icon-1"></span>
412                  </button>
413                  <ul class="accordion-content">
414                    
415                   
416                      <li>
417                       <a href="https://credit.com/credit-scores-2">
418        Credit Score Guide
419</a>
420                      </li>
421                    
422                   
423                      <li>
424                       <a href="/blog/what-to-do-if-you-have-bad-credit-and-negative-items">
425        What to Do If You Have Bad Credit and Negative Items
426</a>
427                      </li>
428                    
429                   
430                      <li>
431                       <a href="/blog/experian-credit-score-vs-fico">
432        Experian Credit Score Vs. FICO Score
433</a>
434                      </li>
435                    
436                   
437                      <li>
438                       <a href="/blog/what-is-a-good-credit-score">
439        What is a Good Credit Score?
440</a>
441                      </li>
442                    
443                   
444                      <li>
445                       <a href="/blog/what-does-your-credit-score-start-at">
446        What Does Your Credit Score Start at?
447</a>
448                      </li>
449                    
450                   
451                      <li>
452                       <a href="/blog/how-to-start-building-credit">
453        How to Start Building Credit
454</a>
455                      </li>
456                    
457                   
458                      <li>
459                       <a href="/blog/how-to-improve-your-credit-score">
460        Improve Your Credit Score
461</a>
462                      </li>
463                    
464                   
465                      <li>
466                       <a href="/blog/credit-reporting-agencies">
467        Credit Bureaus
468</a>
469                      </li>
470                    
471                  </ul>
472                 
473                <div class="dropdown-divider"></div>
474              
475                
476              </div>
477
478             
479            
480              <div class="dropdown-section has-accordion">
481                
482                 
483                  <button class="accordion-toggle">
484                    By Need
485                    <span class="chevron-icon icon icon-1"></span>
486                  </button>
487                  <ul class="accordion-content">
488                    
489                   
490                      <li>
491                       <a href="https://credit.com/new-to-credit">
492        New to Credit
493</a>
494                      </li>
495                    
496                   
497                      <li>
498                       <a href="/blog/build-credit-tips">
499        Building Your Credit
500</a>
501                      </li>
502                    
503                   
504                      <li>
505                       <a href="/blog/how-to-improve-your-credit-score">
506        Repairing Your Credit
507</a>
508                      </li>
509                    
510                   
511                      <li>
512                       <a href="https://credit.com/looking-for-credit">
513        Looking for a New Line of Credit
514</a>
515                      </li>
516                    
517                  </ul>
518                 
519                
520              </div>
521
522             
523            
524          </div>
525        
526      </li>
527    
528   
529      <li class="dropdown">
530        <a href="" class="dropdown-toggle">
531
532          Credit Repair
533        
534        </a>
535
536        
537          <div class="dropdown-menu desktop-dropdown">
538            
539              <div class="dropdown-section has-accordion">
540                
541                 
542                  <button class="accordion-toggle">
543                    Credit Repair Essentials
544                    <span class="chevron-icon icon icon-1"></span>
545                  </button>
546                  <ul class="accordion-content">
547                    
548                   
549                      <li>
550                       <a href="https://credit.com/credit-repair">
551        Credit Repair Guide
552</a>
553                      </li>
554                    
555                   
556                      <li>
557                       <a href="/blog/how-to-improve-your-credit-score">
558        How to Improve Credit
559</a>
560                      </li>
561                    
562                   
563                      <li>
564                       <a href="/blog/lexington-law-review">
565        Lexington Law Review
566</a>
567                      </li>
568                    
569                   
570                      <li>
571                       <a href="/blog/creditrepair-com-review">
572        CreditRepair.com Review
573</a>
574                      </li>
575                    
576                  </ul>
577                 
578                <div class="dropdown-divider"></div>
579              
580                
581              </div>
582
583             
584            
585              <div class="dropdown-section has-accordion">
586                
587                 
588                  <button class="accordion-toggle">
589                    Credit Repair Tips
590                    <span class="chevron-icon icon icon-1"></span>
591                  </button>
592                  <ul class="accordion-content">
593                    
594                   
595                      <li>
596                       <a href="/blog/how-to-fix-your-credit">
597        How to Fix Credit 
598</a>
599                      </li>
600                    
601                   
602                      <li>
603                       <a href="/blog/how-to-remove-hard-inquiries">
604        How to Remove Hard Inquiries
605</a>
606                      </li>
607                    
608                   
609                      <li>
610                       <a href="/blog/removing-collection-accounts-from-your-credit-reports">
611        Removing Collection Accounts
612</a>
613                      </li>
614                    
615                   
616                      <li>
617                       <a href="/blog/dispute-credit-report-error">
618        Dispute Credit Report
619</a>
620                      </li>
621                    
622                   
623                      <li>
624                       <a href="/blog/how-does-credit-repair-work">
625        How Does Credit Repair Work
626</a>
627                      </li>
628                    
629                   
630                      <li>
631                       <a href="/blog/the-truth-about-credit-repair">
632        The Truth About Credit Repair
633</a>
634                      </li>
635                    
636                   
637                      <li>
638                       <a href="/blog/hardship-letter">
639        How to Write a Hardship Letter
640</a>
641                      </li>
642                    
643                  </ul>
644                 
645                
646              </div>
647
648             
649            
650          </div>
651        
652      </li>
653    
654   
655      <li class="dropdown">
656        <a href="/" class="dropdown-toggle">
657
658          Debt
659        
660        </a>
661
662        
663          <div class="dropdown-menu desktop-dropdown">
664            
665              <div class="dropdown-section has-accordion">
666                
667                 
668                  <button class="accordion-toggle">
669                    Debt Resources
670                    <span class="chevron-icon icon icon-1"></span>
671                  </button>
672                  <ul class="accordion-content">
673                    
674                   
675                      <li>
676                       <a href="https://credit.com/loans/debt-consolidation-loans">
677        Debt Consolidation Loans
678</a>
679                      </li>
680                    
681                   
682                      <li>
683                       <a href="https://credit.com/debt/debt-settlement">
684        Debt Settlement Solutions
685</a>
686                      </li>
687                    
688                   
689                      <li>
690                       <a href="/blog/how-to-rebuild-your-credit-after-bankruptcy">
691        How to Build Credit After Bankruptcy
692</a>
693                      </li>
694                    
695                  </ul>
696                 
697                <div class="dropdown-divider"></div>
698              
699                
700              </div>
701
702             
703            
704              <div class="dropdown-section has-accordion">
705                
706                 
707                  <button class="accordion-toggle">
708                    Debt Tips
709                    <span class="chevron-icon icon icon-1"></span>
710                  </button>
711                  <ul class="accordion-content">
712                    
713                   
714                      <li>
715                       <a href="/blog/how-long-before-debt-collectors-sue">
716        How Long Before Debt Collectors Sue?
717</a>
718                      </li>
719                    
720                   
721                      <li>
722                       <a href="https://credit.com/personal-finance/managing-debt-guide">
723        How to Manage Your Debt
724</a>
725                      </li>
726                    
727                   
728                      <li>
729                       <a href="/blog/how-to-pay-off-debt-fast-with-low-income">
730        How to Pay Off Debt Fast
731</a>
732                      </li>
733                    
734                   
735                      <li>
736                       <a href="/blog/statutes-of-limitations">
737        Statute of Limitations on Debt Collection by State
738</a>
739                      </li>
740                    
741                   
742                      <li>
743                       <a href="/blog/does-your-old-debt-have-an-expiration-date">
744        How Long Can Debt Be Collected?
745</a>
746                      </li>
747                    
748                   
749                      <li>
750                       <a href="/blog/understanding-your-debt-collection-rights">
751        Wrongfully Sent to Collections
752</a>
753                      </li>
754                    
755                   
756                      <li>
757                       <a href="/blog/how-to-get-out-of-debt">
758        How to Get Out of Debt
759</a>
760                      </li>
761                    
762                  </ul>
763                 
764                
765              </div>
766
767             
768            
769          </div>
770        
771      </li>
772    
773   
774      <li class="dropdown">
775        <a href="/" class="dropdown-toggle">
776
777          Insurance
778        
779        </a>
780
781        
782          <div class="dropdown-menu desktop-dropdown">
783            
784              <div class="dropdown-section has-accordion">
785                
786
787                  <div class="accordion-toggle">
788                    <a href="https://credit.com/auto-insurance" class="inner-link">
789
790                    Auto Insurance</a>
791                  </div>
792                
793              </div>
794
795             
796            
797              <div class="dropdown-section has-accordion">
798                
799
800                  <div class="accordion-toggle">
801                    <a href="/blog/average-cost-of-car-insurance" class="inner-link">
802
803                    Average Cost of Car Insurance</a>
804                  </div>
805                
806              </div>
807
808             
809            
810              <div class="dropdown-section has-accordion">
811                
812
813                  <div class="accordion-toggle">
814                    <a href="/blog/average-home-insurance-costs" class="inner-link">
815
816                    Average Cost of Home Insurance</a>
817                  </div>
818                
819              </div>
820
821             
822            
823              <div class="dropdown-section has-accordion">
824                
825
826                  <div class="accordion-toggle">
827                    <a href="/blog/term-vs-whole-life-insurance" class="inner-link">
828
829                    Term Vs. Whole Life Insurance</a>
830                  </div>
831                
832              </div>
833
834             
835            
836              <div class="dropdown-section has-accordion">
837                
838
839                  <div class="accordion-toggle">
840                    <a href="/blog/how-to-budget-for-insurance" class="inner-link">
841
842                    How to Budget for Insurance</a>
843                  </div>
844                
845              </div>
846
847             
848            
849          </div>
850        
851      </li>
852    
853   
854      <li class="dropdown">
855        <a href="/loans" class="dropdown-toggle">
856
857          Loans
858        
859        </a>
860
861        
862          <div class="dropdown-menu desktop-dropdown">
863            
864              <div class="dropdown-section has-accordion">
865                
866                 
867                  <button class="accordion-toggle">
868                    Loan 
869                    <span class="chevron-icon icon icon-1"></span>
870                  </button>
871                  <ul class="accordion-content">
872                    
873                   
874                      <li>
875                       <a href="https://credit.com/loans/personal-loans">
876        Personal Loans 
877</a>
878                      </li>
879                    
880                   
881                      <li>
882                       <a href="https://credit.com/loans/auto-loans">
883        Auto Loans 
884</a>
885                      </li>
886                    
887                   
888                      <li>
889                       <a href="https://credit.com/loans/student-loans">
890        Student Loans 
891</a>
892                      </li>
893                    
894                   
895                      <li>
896                       <a href="https://credit.com/loans/small-business-loans">
897        Small Business Loans 
898</a>
899                      </li>
900                    
901                   
902                      <li>
903                       <a href="https://credit.com/loans/home-improvement-loans">
904        Home Improvement Loans 
905</a>
906                      </li>
907                    
908                  </ul>
909                 
910                <div class="dropdown-divider"></div>
911              
912                
913              </div>
914
915             
916            
917              <div class="dropdown-section has-accordion">
918                
919                 
920                  <button class="accordion-toggle">
921                    Resources 
922                    <span class="chevron-icon icon icon-1"></span>
923                  </button>
924                  <ul class="accordion-content">
925                    
926                   
927                      <li>
928                       <a href="https://credit.com/all-about-loans">
929        Guide to Loans
930</a>
931                      </li>
932                    
933                   
934                      <li>
935                       <a href="https://credit.com/how-to-get-personal-loan">
936        How to Get a Personal Loan
937</a>
938                      </li>
939                    
940                   
941                      <li>
942                       <a href="https://credit.com/how-to-get-auto-loan">
943        How to Get an Auto Loan
944</a>
945                      </li>
946                    
947                   
948                      <li>
949                       <a href="https://credit.com/how-to-get-student-loan">
950        How to Get a Student Loan
951</a>
952                      </li>
953                    
954                   
955                      <li>
956                       <a href="https://credit.com/how-to-get-small-business-loan">
957        How to Get a Small Business Loan
958</a>
959                      </li>
960                    
961                  </ul>
962                 
963                <div class="dropdown-divider"></div>
964              
965                
966              </div>
967
968             
969            
970              <div class="dropdown-section has-accordion">
971                
972                 
973                  <button class="accordion-toggle">
974                    Calculators &amp; Tools 
975                    <span class="chevron-icon icon icon-1"></span>
976                  </button>
977                  <ul class="accordion-content">
978                    
979                   
980                      <li>
981                       <a href="https://credit.com/calculators/loan-calculator">
982        Simple Loan Calculator 
983</a>
984                      </li>
985                    
986                   
987                      <li>
988                       <a href="https://credit.com/calculators/mortgage-calculator">
989        Mortgage Calculator 
990</a>
991                      </li>
992                    
993                   
994                      <li>
995                       <a href="https://credit.com/calculators/dti">
996        Debt-to-Income Ratio Calculator
997</a>
998                      </li>
999                    
1000                   
1001                      <li>
1002                       <a href="https://credit.com/tools/credit-card-payoff-calculator">
1003        Credit Card Payoff Calculator
1004</a>
1005                      </li>
1006                    
1007                   
1008                      <li>
1009                       <a href="https://credit.com/calculators">
1010        All Loan &amp; Debt Calculators
1011</a>
1012                      </li>
1013                    
1014                   
1015                      <li>
1016                       <a href="https://marketing-api.credit.com/marketing-services/external/v2/refId/destn/6bd1425a-d2fb-44be-aaed-95d2fe1f5285?end_user_type=MARKET_PLACE&amp;af=32806" target="_blank" rel="noopener">
1017        Get Matched to a Loan
1018</a>
1019                      </li>
1020                    
1021                  </ul>
1022                 
1023                
1024              </div>
1025
1026             
1027            
1028          </div>
1029        
1030      </li>
1031    
1032  </ul>
1033</div>
1034    <div class="navbar-actions">
1035      <div id="hs_cos_wrapper_Signin" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
1036
1037
1038
1039
1040
1041
1042<a style="margin-bottom: 0px; margin-top:0px;" href="https://app.credit.com/auth/sign-in" class="btn  btn-text-only  style-outline-state  " aria-label="Log in">
1043  <div class="container">
1044    <div class="button-content">
1045      
1046      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Log in</div>
1047    </div>
1048    <div class="state-layer">
1049      <div class="pressed-indicator"></div>
1050    </div>
1051  </div>
1052</a>
1053<script>
1054  document.addEventListener('DOMContentLoaded', function () {
1055    // Get all primary buttons that are not in pressed state
1056    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
1057
1058    // Loop through all matching buttons
1059    primaryButtons.forEach(button => {
1060      // Prevent default focus outline when clicking
1061      button.addEventListener('mousedown', function (e) {
1062        e.preventDefault();
1063        this.classList.add('btn-pressed');
1064      });
1065
1066      // Remove pressed state when mouse is released
1067      button.addEventListener('mouseup', function () {
1068        this.classList.remove('btn-pressed');
1069      });
1070
1071      // Remove pressed state if mouse leaves while button is pressed
1072      button.addEventListener('mouseleave', function () {
1073        this.classList.remove('btn-pressed');
1074      });
1075
1076      // Prevent focus outline on click
1077      button.addEventListener('click', function (e) {
1078        this.blur(); // Remove focus after click
1079      });
1080    });
1081  });
1082</script>
1082
1083
1084</div>
1085      <div id="hs_cos_wrapper_Signup" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
1086
1087
1088
1089
1090
1091
1092<a style="margin-bottom: 0px; margin-top:0px;" href="https://app.credit.com/sign-up" class="btn  btn-text-only  btn-primary  " aria-label="Sign up">
1093  <div class="container">
1094    <div class="button-content">
1095      
1096      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Sign up</div>
1097    </div>
1098    <div class="state-layer">
1099      <div class="pressed-indicator"></div>
1100    </div>
1101  </div>
1102</a>
1103<script>
1104  document.addEventListener('DOMContentLoaded', function () {
1105    // Get all primary buttons that are not in pressed state
1106    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
1107
1108    // Loop through all matching buttons
1109    primaryButtons.forEach(button => {
1110      // Prevent default focus outline when clicking
1111      button.addEventListener('mousedown', function (e) {
1112        e.preventDefault();
1113        this.classList.add('btn-pressed');
1114      });
1115
1116      // Remove pressed state when mouse is released
1117      button.addEventListener('mouseup', function () {
1118        this.classList.remove('btn-pressed');
1119      });
1120
1121      // Remove pressed state if mouse leaves while button is pressed
1122      button.addEventListener('mouseleave', function () {
1123        this.classList.remove('btn-pressed');
1124      });
1125
1126      // Prevent focus outline on click
1127      button.addEventListener('click', function (e) {
1128        this.blur(); // Remove focus after click
1129      });
1130    });
1131  });
1132</script>
1132
1133
1134</div>
1135    </div>
1136</div></nav>
1137<nav aria-label="Main site navigation">
1138  <div class="mobile-menu" id="mobileMenu">
1139     <!-- Signup/Signin only here -->
1140      <div class="mobile-actions">
1141        <div id="hs_cos_wrapper_Signup_mobile" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
1142
1143
1144
1145
1146
1147
1148<a style="margin-bottom: 0px; margin-top:0px;" href="https://app.credit.com/sign-up" class="btn  btn-text-only  btn-primary custom-width-193-64 " aria-label="Sign up">
1149  <div class="container">
1150    <div class="button-content">
1151      
1152      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Sign up</div>
1153    </div>
1154    <div class="state-layer">
1155      <div class="pressed-indicator"></div>
1156    </div>
1157  </div>
1158</a>
1159<script>
1160  document.addEventListener('DOMContentLoaded', function () {
1161    // Get all primary buttons that are not in pressed state
1162    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
1163
1164    // Loop through all matching buttons
1165    primaryButtons.forEach(button => {
1166      // Prevent default focus outline when clicking
1167      button.addEventListener('mousedown', function (e) {
1168        e.preventDefault();
1169        this.classList.add('btn-pressed');
1170      });
1171
1172      // Remove pressed state when mouse is released
1173      button.addEventListener('mouseup', function () {
1174        this.classList.remove('btn-pressed');
1175      });
1176
1177      // Remove pressed state if mouse leaves while button is pressed
1178      button.addEventListener('mouseleave', function () {
1179        this.classList.remove('btn-pressed');
1180      });
1181
1182      // Prevent focus outline on click
1183      button.addEventListener('click', function (e) {
1184        this.blur(); // Remove focus after click
1185      });
1186    });
1187  });
1188</script>
1188
1189
1190</div>
1191        <div id="hs_cos_wrapper_Signin_mobile" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
1192
1193
1194
1195
1196
1197
1198<a style="margin-bottom: 0px; margin-top:0px;" href="https://app.credit.com/auth/sign-in" class="btn  btn-text-only  style-outline-state custom-width-193-64 " aria-label="Log in">
1199  <div class="container">
1200    <div class="button-content">
1201      
1202      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Log in</div>
1203    </div>
1204    <div class="state-layer">
1205      <div class="pressed-indicator"></div>
1206    </div>
1207  </div>
1208</a>
1209<script>
1210  document.addEventListener('DOMContentLoaded', function () {
1211    // Get all primary buttons that are not in pressed state
1212    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
1213
1214    // Loop through all matching buttons
1215    primaryButtons.forEach(button => {
1216      // Prevent default focus outline when clicking
1217      button.addEventListener('mousedown', function (e) {
1218        e.preventDefault();
1219        this.classList.add('btn-pressed');
1220      });
1221
1222      // Remove pressed state when mouse is released
1223      button.addEventListener('mouseup', function () {
1224        this.classList.remove('btn-pressed');
1225      });
1226
1227      // Remove pressed state if mouse leaves while button is pressed
1228      button.addEventListener('mouseleave', function () {
1229        this.classList.remove('btn-pressed');
1230      });
1231
1232      // Prevent focus outline on click
1233      button.addEventListener('click', function (e) {
1234        this.blur(); // Remove focus after click
1235      });
1236    });
1237  });
1238</script>
1238
1239
1240</div>
1241      
1242      </div> 
1243    <!-- Fetch the menu -->
1244    
1245
1246    <!-- Main Menu -->
1247    <div class="menu-panel" data-menu="main">
1248      <div class="mobile-menu-header">
1249        <span><img class="cc_mobilelogo_image" src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/Logo/logo_lg_svg.svg" alt="Credit.com Logo" aria-hidden="true" width="117" height="24"></span>
1250        <button class="close" id="closeMenu" aria-label="Close menu">
1251          <span class="close_icon icon icon-3"></span>
1252        </button>
1253      </div>
1254      <ul>
1255        
1256          
1257            <li>
1258              <button class="menu-link" aria-label="menu-link" data-next="credit-cards">
1259                <span>Credit Cards</span>
1260                <div class="icon icon-2"></div>
1261              </button>
1262            </li>
1263          
1264        
1265          
1266            <li>
1267              <button class="menu-link" aria-label="menu-link" data-next="credit-score">
1268                <span>Credit Score</span>
1269                <div class="icon icon-2"></div>
1270              </button>
1271            </li>
1272          
1273        
1274          
1275            <li>
1276              <button class="menu-link" aria-label="menu-link" data-next="credit-repair">
1277                <span>Credit Repair</span>
1278                <div class="icon icon-2"></div>
1279              </button>
1280            </li>
1281          
1282        
1283          
1284            <li>
1285              <button class="menu-link" aria-label="menu-link" data-next="debt">
1286                <span>Debt</span>
1287                <div class="icon icon-2"></div>
1288              </button>
1289            </li>
1290          
1291        
1292          
1293            <li>
1294              <button class="menu-link" aria-label="menu-link" data-next="insurance">
1295                <span>Insurance</span>
1296                <div class="icon icon-2"></div>
1297              </button>
1298            </li>
1299          
1300        
1301          
1302            <li>
1303              <button class="menu-link" aria-label="menu-link" data-next="loans">
1304                <span>Loans</span>
1305                <div class="icon icon-2"></div>
1306              </button>
1307            </li>
1308          
1309        
1310      </ul>
1311
1312     
1313    </div>
1314
1315    <!-- Submenus -->
1316    
1317      
1318        <div class="menu-panel" data-menu="credit-cards">
1319          <div class="mobile-menu-header">
1320            <button class="back" aria-label="back" data-back="main">
1321             <span class="back-icon-header icon icon-4"></span>
1322            </button>
1323            <span class="menu-title">Credit Cards</span>
1324            <button class="close " aria-label="Close menu">
1325              <span class="close_icon icon icon-3"></span>
1326            </button>
1327          </div>
1328          <ul>
1329            
1330              
1331                <li>
1332                  <button class="menu-link" aria-label="menu-link" data-next="by-category-">
1333                    <span>By Category </span>
1334                    <div class="icon icon-2"></div>
1335                  </button>
1336                </li>
1337              
1338            
1339              
1340                <li>
1341                  <button class="menu-link" aria-label="menu-link" data-next="by-credit-score">
1342                    <span>By Credit Score</span>
1343                    <div class="icon icon-2"></div>
1344                  </button>
1345                </li>
1346              
1347            
1348              
1349                <li>
1350                  <button class="menu-link" aria-label="menu-link" data-next="reviews-&amp;-tools-">
1351                    <span>Reviews &amp; Tools </span>
1352                    <div class="icon icon-2"></div>
1353                  </button>
1354                </li>
1355              
1356            
1357          </ul>
1358          
1359        </div>
1360
1361        <!-- Third-level Submenus -->
1362        
1363          
1364            <div class="menu-panel" data-menu="by-category-">
1365              <div class="mobile-menu-header">
1366                <button class="back" aria-label="back" data-back="credit-cards">
1367                  <span class="back-icon-header icon icon-4"></span>
1368                </button>
1369                <span class="menu-title">By Category </span>
1370                <button class="close" aria-label="Close menu">
1371                   <span class="close_icon icon icon-3"></span>
1372                </button>
1373              </div>
1374              <ul>
1375                
1376                  <li>
1377                     <a href="https://credit.com/credit-cards/balance-transfer">
1378        Balance Transfer Cards
1379</a>
1380                  </li>
1381                
1382                  <li>
1383                     <a href="https://credit.com/credit-cards/secured">
1384        Secured Cards
1385</a>
1386                  </li>
1387                
1388                  <li>
1389                     <a href="/credit-cards/bad-credit">
1390        Cards for Bad Credit
1391</a>
1392                  </li>
1393                
1394                  <li>
1395                     <a href="https://credit.com/credit-cards/browse">
1396        Browse cards
1397</a>
1398                  </li>
1399                
1400              </ul>
1401            </div>
1402          
1403        
1404          
1405            <div class="menu-panel" data-menu="by-credit-score">
1406              <div class="mobile-menu-header">
1407                <button class="back" aria-label="back" data-back="credit-cards">
1408                  <span class="back-icon-header icon icon-4"></span>
1409                </button>
1410                <span class="menu-title">By Credit Score</span>
1411                <button class="close" aria-label="Close menu">
1412                   <span class="close_icon icon icon-3"></span>
1413                </button>
1414              </div>
1415              <ul>
1416                
1417                  <li>
1418                     <a href="https://credit.com/credit-cards/bad-credit">
1419        Cards for Bad Credit 
1420</a>
1421                  </li>
1422                
1423                  <li>
1424                     <a href="https://credit.com/credit-cards/poor-credit">
1425        Cards for Poor Credit
1426</a>
1427                  </li>
1428                
1429                  <li>
1430                     <a href="https://credit.com/credit-cards/fair-credit">
1431        Cards for Fair Credit
1432</a>
1433                  </li>
1434                
1435                  <li>
1436                     <a href="https://credit.com/credit-cards/good-credit">
1437        Cards for Good Credit
1438</a>
1439                  </li>
1440                
1441                  <li>
1442                     <a href="https://credit.com/credit-cards/excellent-credit">
1443        Cards for Excellent Credit
1444</a>
1445                  </li>
1446                
1447                  <li>
1448                     <a href="https://credit.com/credit-cards/no-credit">
1449        Cards for No Credit
1450</a>
1451                  </li>
1452                
1453                  <li>
1454                     <a href="https://credit.com/credit-cards/student">
1455        Cards for Students
1456</a>
1457                  </li>
1458                
1459              </ul>
1460            </div>
1461          
1462        
1463          
1464            <div class="menu-panel" data-menu="reviews-&amp;-tools-">
1465              <div class="mobile-menu-header">
1466                <button class="back" aria-label="back" data-back="credit-cards">
1467                  <span class="back-icon-header icon icon-4"></span>
1468                </button>
1469                <span class="menu-title">Reviews &amp; Tools </span>
1470                <button class="close" aria-label="Close menu">
1471                   <span class="close_icon icon icon-3"></span>
1472                </button>
1473              </div>
1474              <ul>
1475                
1476                  <li>
1477                     <a href="https://credit.com/credit-card-guide">
1478        Credit Card Guide
1479</a>
1480                  </li>
1481                
1482                  <li>
1483                     <a href="https://credit.com/what-kind-credit-card">
1484        What Kind of Credit Card Do I Qualify For?
1485</a>
1486                  </li>
1487                
1488                  <li>
1489                     <a href="/blog/how-to-pick-your-first-credit-card">
1490        How to Get Your First Credit Card
1491</a>
1492                  </li>
1493                
1494                  <li>
1495                     <a href="/blog/credit-cards-with-no-spending-limit">
1496        No Spending Limit Credit Cards
1497</a>
1498                  </li>
1499                
1500                  <li>
1501                     <a href="https://credit.com/credit-cards-for-bad-credit">
1502        How to Get a Credit Card with Bad Credit
1503</a>
1504                  </li>
1505                
1506                  <li>
1507                     <a href="https://credit.com/tools/credit-card-payoff-calculator">
1508        Credit Card Payoff Calculator
1509</a>
1510                  </li>
1511                
1512              </ul>
1513            </div>
1514          
1515        
1516      
1517    
1518      
1519        <div class="menu-panel" data-menu="credit-score">
1520          <div class="mobile-menu-header">
1521            <button class="back" aria-label="back" data-back="main">
1522             <span class="back-icon-header icon icon-4"></span>
1523            </button>
1524            <span class="menu-title">Credit Score</span>
1525            <button class="close " aria-label="Close menu">
1526              <span class="close_icon icon icon-3"></span>
1527            </button>
1528          </div>
1529          <ul>
1530            
1531              
1532                <li>
1533                  <button class="menu-link" aria-label="menu-link" data-next="products">
1534                    <span>Products</span>
1535                    <div class="icon icon-2"></div>
1536                  </button>
1537                </li>
1538              
1539            
1540              
1541                <li>
1542                  <button class="menu-link" aria-label="menu-link" data-next="guides">
1543                    <span>Guides</span>
1544                    <div class="icon icon-2"></div>
1545                  </button>
1546                </li>
1547              
1548            
1549              
1550                <li>
1551                  <button class="menu-link" aria-label="menu-link" data-next="by-need">
1552                    <span>By Need</span>
1553                    <div class="icon icon-2"></div>
1554                  </button>
1555                </li>
1556              
1557            
1558          </ul>
1559          
1560        </div>
1561
1562        <!-- Third-level Submenus -->
1563        
1564          
1565            <div class="menu-panel" data-menu="products">
1566              <div class="mobile-menu-header">
1567                <button class="back" aria-label="back" data-back="credit-score">
1568                  <span class="back-icon-header icon icon-4"></span>
1569                </button>
1570                <span class="menu-title">Products</span>
1571                <button class="close" aria-label="Close menu">
1572                   <span class="close_icon icon icon-3"></span>
1573                </button>
1574              </div>
1575              <ul>
1576                
1577                  <li>
1578                     <a href="https://credit.com/free-credit-report-card">
1579        Free Credit Report Card
1580</a>
1581                  </li>
1582                
1583                  <li>
1584                     <a href="https://credit.com/free-credit-score">
1585        Free Credit Score
1586</a>
1587                  </li>
1588                
1589              </ul>
1590            </div>
1591          
1592        
1593          
1594            <div class="menu-panel" data-menu="guides">
1595              <div class="mobile-menu-header">
1596                <button class="back" aria-label="back" data-back="credit-score">
1597                  <span class="back-icon-header icon icon-4"></span>
1598                </button>
1599                <span class="menu-title">Guides</span>
1600                <button class="close" aria-label="Close menu">
1601                   <span class="close_icon icon icon-3"></span>
1602                </button>
1603              </div>
1604              <ul>
1605                
1606                  <li>
1607                     <a href="https://credit.com/credit-scores-2">
1608        Credit Score Guide
1609</a>
1610                  </li>
1611                
1612                  <li>
1613                     <a href="/blog/what-to-do-if-you-have-bad-credit-and-negative-items">
1614        What to Do If You Have Bad Credit and Negative Items
1615</a>
1616                  </li>
1617                
1618                  <li>
1619                     <a href="/blog/experian-credit-score-vs-fico">
1620        Experian Credit Score Vs. FICO Score
1621</a>
1622                  </li>
1623                
1624                  <li>
1625                     <a href="/blog/what-is-a-good-credit-score">
1626        What is a Good Credit Score?
1627</a>
1628                  </li>
1629                
1630                  <li>
1631                     <a href="/blog/what-does-your-credit-score-start-at">
1632        What Does Your Credit Score Start at?
1633</a>
1634                  </li>
1635                
1636                  <li>
1637                     <a href="/blog/how-to-start-building-credit">
1638        How to Start Building Credit
1639</a>
1640                  </li>
1641                
1642                  <li>
1643                     <a href="/blog/how-to-improve-your-credit-score">
1644        Improve Your Credit Score
1645</a>
1646                  </li>
1647                
1648                  <li>
1649                     <a href="/blog/credit-reporting-agencies">
1650        Credit Bureaus
1651</a>
1652                  </li>
1653                
1654              </ul>
1655            </div>
1656          
1657        
1658          
1659            <div class="menu-panel" data-menu="by-need">
1660              <div class="mobile-menu-header">
1661                <button class="back" aria-label="back" data-back="credit-score">
1662                  <span class="back-icon-header icon icon-4"></span>
1663                </button>
1664                <span class="menu-title">By Need</span>
1665                <button class="close" aria-label="Close menu">
1666                   <span class="close_icon icon icon-3"></span>
1667                </button>
1668              </div>
1669              <ul>
1670                
1671                  <li>
1672                     <a href="https://credit.com/new-to-credit">
1673        New to Credit
1674</a>
1675                  </li>
1676                
1677                  <li>
1678                     <a href="/blog/build-credit-tips">
1679        Building Your Credit
1680</a>
1681                  </li>
1682                
1683                  <li>
1684                     <a href="/blog/how-to-improve-your-credit-score">
1685        Repairing Your Credit
1686</a>
1687                  </li>
1688                
1689                  <li>
1690                     <a href="https://credit.com/looking-for-credit">
1691        Looking for a New Line of Credit
1692</a>
1693                  </li>
1694                
1695              </ul>
1696            </div>
1697          
1698        
1699      
1700    
1701      
1702        <div class="menu-panel" data-menu="credit-repair">
1703          <div class="mobile-menu-header">
1704            <button class="back" aria-label="back" data-back="main">
1705             <span class="back-icon-header icon icon-4"></span>
1706            </button>
1707            <span class="menu-title">Credit Repair</span>
1708            <button class="close " aria-label="Close menu">
1709              <span class="close_icon icon icon-3"></span>
1710            </button>
1711          </div>
1712          <ul>
1713            
1714              
1715                <li>
1716                  <button class="menu-link" aria-label="menu-link" data-next="credit-repair-essentials">
1717                    <span>Credit Repair Essentials</span>
1718                    <div class="icon icon-2"></div>
1719                  </button>
1720                </li>
1721              
1722            
1723              
1724                <li>
1725                  <button class="menu-link" aria-label="menu-link" data-next="credit-repair-tips">
1726                    <span>Credit Repair Tips</span>
1727                    <div class="icon icon-2"></div>
1728                  </button>
1729                </li>
1730              
1731            
1732          </ul>
1733          
1734        </div>
1735
1736        <!-- Third-level Submenus -->
1737        
1738          
1739            <div class="menu-panel" data-menu="credit-repair-essentials">
1740              <div class="mobile-menu-header">
1741                <button class="back" aria-label="back" data-back="credit-repair">
1742                  <span class="back-icon-header icon icon-4"></span>
1743                </button>
1744                <span class="menu-title">Credit Repair Essentials</span>
1745                <button class="close" aria-label="Close menu">
1746                   <span class="close_icon icon icon-3"></span>
1747                </button>
1748              </div>
1749              <ul>
1750                
1751                  <li>
1752                     <a href="https://credit.com/credit-repair">
1753        Credit Repair Guide
1754</a>
1755                  </li>
1756                
1757                  <li>
1758                     <a href="/blog/how-to-improve-your-credit-score">
1759        How to Improve Credit
1760</a>
1761                  </li>
1762                
1763                  <li>
1764                     <a href="/blog/lexington-law-review">
1765        Lexington Law Review
1766</a>
1767                  </li>
1768                
1769                  <li>
1770                     <a href="/blog/creditrepair-com-review">
1771        CreditRepair.com Review
1772</a>
1773                  </li>
1774                
1775              </ul>
1776            </div>
1777          
1778        
1779          
1780            <div class="menu-panel" data-menu="credit-repair-tips">
1781              <div class="mobile-menu-header">
1782                <button class="back" aria-label="back" data-back="credit-repair">
1783                  <span class="back-icon-header icon icon-4"></span>
1784                </button>
1785                <span class="menu-title">Credit Repair Tips</span>
1786                <button class="close" aria-label="Close menu">
1787                   <span class="close_icon icon icon-3"></span>
1788                </button>
1789              </div>
1790              <ul>
1791                
1792                  <li>
1793                     <a href="/blog/how-to-fix-your-credit">
1794        How to Fix Credit 
1795</a>
1796                  </li>
1797                
1798                  <li>
1799                     <a href="/blog/how-to-remove-hard-inquiries">
1800        How to Remove Hard Inquiries
1801</a>
1802                  </li>
1803                
1804                  <li>
1805                     <a href="/blog/removing-collection-accounts-from-your-credit-reports">
1806        Removing Collection Accounts
1807</a>
1808                  </li>
1809                
1810                  <li>
1811                     <a href="/blog/dispute-credit-report-error">
1812        Dispute Credit Report
1813</a>
1814                  </li>
1815                
1816                  <li>
1817                     <a href="/blog/how-does-credit-repair-work">
1818        How Does Credit Repair Work
1819</a>
1820                  </li>
1821                
1822                  <li>
1823                     <a href="/blog/the-truth-about-credit-repair">
1824        The Truth About Credit Repair
1825</a>
1826                  </li>
1827                
1828                  <li>
1829                     <a href="/blog/hardship-letter">
1830        How to Write a Hardship Letter
1831</a>
1832                  </li>
1833                
1834              </ul>
1835            </div>
1836          
1837        
1838      
1839    
1840      
1841        <div class="menu-panel" data-menu="debt">
1842          <div class="mobile-menu-header">
1843            <button class="back" aria-label="back" data-back="main">
1844             <span class="back-icon-header icon icon-4"></span>
1845            </button>
1846            <span class="menu-title">Debt</span>
1847            <button class="close " aria-label="Close menu">
1848              <span class="close_icon icon icon-3"></span>
1849            </button>
1850          </div>
1851          <ul>
1852            
1853              
1854                <li>
1855                  <button class="menu-link" aria-label="menu-link" data-next="debt-resources">
1856                    <span>Debt Resources</span>
1857                    <div class="icon icon-2"></div>
1858                  </button>
1859                </li>
1860              
1861            
1862              
1863                <li>
1864                  <button class="menu-link" aria-label="menu-link" data-next="debt-tips">
1865                    <span>Debt Tips</span>
1866                    <div class="icon icon-2"></div>
1867                  </button>
1868                </li>
1869              
1870            
1871          </ul>
1872          
1873        </div>
1874
1875        <!-- Third-level Submenus -->
1876        
1877          
1878            <div class="menu-panel" data-menu="debt-resources">
1879              <div class="mobile-menu-header">
1880                <button class="back" aria-label="back" data-back="debt">
1881                  <span class="back-icon-header icon icon-4"></span>
1882                </button>
1883                <span class="menu-title">Debt Resources</span>
1884                <button class="close" aria-label="Close menu">
1885                   <span class="close_icon icon icon-3"></span>
1886                </button>
1887              </div>
1888              <ul>
1889                
1890                  <li>
1891                     <a href="https://credit.com/loans/debt-consolidation-loans">
1892        Debt Consolidation Loans
1893</a>
1894                  </li>
1895                
1896                  <li>
1897                     <a href="https://credit.com/debt/debt-settlement">
1898        Debt Settlement Solutions
1899</a>
1900                  </li>
1901                
1902                  <li>
1903                     <a href="/blog/how-to-rebuild-your-credit-after-bankruptcy">
1904        How to Build Credit After Bankruptcy
1905</a>
1906                  </li>
1907                
1908              </ul>
1909            </div>
1910          
1911        
1912          
1913            <div class="menu-panel" data-menu="debt-tips">
1914              <div class="mobile-menu-header">
1915                <button class="back" aria-label="back" data-back="debt">
1916                  <span class="back-icon-header icon icon-4"></span>
1917                </button>
1918                <span class="menu-title">Debt Tips</span>
1919                <button class="close" aria-label="Close menu">
1920                   <span class="close_icon icon icon-3"></span>
1921                </button>
1922              </div>
1923              <ul>
1924                
1925                  <li>
1926                     <a href="/blog/how-long-before-debt-collectors-sue">
1927        How Long Before Debt Collectors Sue?
1928</a>
1929                  </li>
1930                
1931                  <li>
1932                     <a href="https://credit.com/personal-finance/managing-debt-guide">
1933        How to Manage Your Debt
1934</a>
1935                  </li>
1936                
1937                  <li>
1938                     <a href="/blog/how-to-pay-off-debt-fast-with-low-income">
1939        How to Pay Off Debt Fast
1940</a>
1941                  </li>
1942                
1943                  <li>
1944                     <a href="/blog/statutes-of-limitations">
1945        Statute of Limitations on Debt Collection by State
1946</a>
1947                  </li>
1948                
1949                  <li>
1950                     <a href="/blog/does-your-old-debt-have-an-expiration-date">
1951        How Long Can Debt Be Collected?
1952</a>
1953                  </li>
1954                
1955                  <li>
1956                     <a href="/blog/understanding-your-debt-collection-rights">
1957        Wrongfully Sent to Collections
1958</a>
1959                  </li>
1960                
1961                  <li>
1962                     <a href="/blog/how-to-get-out-of-debt">
1963        How to Get Out of Debt
1964</a>
1965                  </li>
1966                
1967              </ul>
1968            </div>
1969          
1970        
1971      
1972    
1973      
1974        <div class="menu-panel" data-menu="insurance">
1975          <div class="mobile-menu-header">
1976            <button class="back" aria-label="back" data-back="main">
1977             <span class="back-icon-header icon icon-4"></span>
1978            </button>
1979            <span class="menu-title">Insurance</span>
1980            <button class="close " aria-label="Close menu">
1981              <span class="close_icon icon icon-3"></span>
1982            </button>
1983          </div>
1984          <ul>
1985            
1986              
1987                <li>
1988                  <a href="https://credit.com/auto-insurance">
1989                    <span>Auto Insurance</span>
1990                  </a>
1991                  
1992                </li>
1993              
1994            
1995              
1996                <li>
1997                  <a href="/blog/average-cost-of-car-insurance">
1998                    <span>Average Cost of Car Insurance</span>
1999                  </a>
2000                  
2001                </li>
2002              
2003            
2004              
2005                <li>
2006                  <a href="/blog/average-home-insurance-costs">
2007                    <span>Average Cost of Home Insurance</span>
2008                  </a>
2009                  
2010                </li>
2011              
2012            
2013              
2014                <li>
2015                  <a href="/blog/term-vs-whole-life-insurance">
2016                    <span>Term Vs. Whole Life Insurance</span>
2017                  </a>
2018                  
2019                </li>
2020              
2021            
2022              
2023                <li>
2024                  <a href="/blog/how-to-budget-for-insurance">
2025                    <span>How to Budget for Insurance</span>
2026                  </a>
2027                  
2028                </li>
2029              
2030            
2031          </ul>
2032          
2033        </div>
2034
2035        <!-- Third-level Submenus -->
2036        
2037          
2038        
2039          
2040        
2041          
2042        
2043          
2044        
2045          
2046        
2047      
2048    
2049      
2050        <div class="menu-panel" data-menu="loans">
2051          <div class="mobile-menu-header">
2052            <button class="back" aria-label="back" data-back="main">
2053             <span class="back-icon-header icon icon-4"></span>
2054            </button>
2055            <span class="menu-title">Loans</span>
2056            <button class="close " aria-label="Close menu">
2057              <span class="close_icon icon icon-3"></span>
2058            </button>
2059          </div>
2060          <ul>
2061            
2062              
2063                <li>
2064                  <button class="menu-link" aria-label="menu-link" data-next="loan-">
2065                    <span>Loan </span>
2066                    <div class="icon icon-2"></div>
2067                  </button>
2068                </li>
2069              
2070            
2071              
2072                <li>
2073                  <button class="menu-link" aria-label="menu-link" data-next="resources-">
2074                    <span>Resources </span>
2075                    <div class="icon icon-2"></div>
2076                  </button>
2077                </li>
2078              
2079            
2080              
2081                <li>
2082                  <button class="menu-link" aria-label="menu-link" data-next="calculators-&amp;-tools-">
2083                    <span>Calculators &amp; Tools </span>
2084                    <div class="icon icon-2"></div>
2085                  </button>
2086                </li>
2087              
2088            
2089          </ul>
2090          
2091        </div>
2092
2093        <!-- Third-level Submenus -->
2094        
2095          
2096            <div class="menu-panel" data-menu="loan-">
2097              <div class="mobile-menu-header">
2098                <button class="back" aria-label="back" data-back="loans">
2099                  <span class="back-icon-header icon icon-4"></span>
2100                </button>
2101                <span class="menu-title">Loan </span>
2102                <button class="close" aria-label="Close menu">
2103                   <span class="close_icon icon icon-3"></span>
2104                </button>
2105              </div>
2106              <ul>
2107                
2108                  <li>
2109                     <a href="https://credit.com/loans/personal-loans">
2110        Personal Loans 
2111</a>
2112                  </li>
2113                
2114                  <li>
2115                     <a href="https://credit.com/loans/auto-loans">
2116        Auto Loans 
2117</a>
2118                  </li>
2119                
2120                  <li>
2121                     <a href="https://credit.com/loans/student-loans">
2122        Student Loans 
2123</a>
2124                  </li>
2125                
2126                  <li>
2127                     <a href="https://credit.com/loans/small-business-loans">
2128        Small Business Loans 
2129</a>
2130                  </li>
2131                
2132                  <li>
2133                     <a href="https://credit.com/loans/home-improvement-loans">
2134        Home Improvement Loans 
2135</a>
2136                  </li>
2137                
2138              </ul>
2139            </div>
2140          
2141        
2142          
2143            <div class="menu-panel" data-menu="resources-">
2144              <div class="mobile-menu-header">
2145                <button class="back" aria-label="back" data-back="loans">
2146                  <span class="back-icon-header icon icon-4"></span>
2147                </button>
2148                <span class="menu-title">Resources </span>
2149                <button class="close" aria-label="Close menu">
2150                   <span class="close_icon icon icon-3"></span>
2151                </button>
2152              </div>
2153              <ul>
2154                
2155                  <li>
2156                     <a href="https://credit.com/all-about-loans">
2157        Guide to Loans
2158</a>
2159                  </li>
2160                
2161                  <li>
2162                     <a href="https://credit.com/how-to-get-personal-loan">
2163        How to Get a Personal Loan
2164</a>
2165                  </li>
2166                
2167                  <li>
2168                     <a href="https://credit.com/how-to-get-auto-loan">
2169        How to Get an Auto Loan
2170</a>
2171                  </li>
2172                
2173                  <li>
2174                     <a href="https://credit.com/how-to-get-student-loan">
2175        How to Get a Student Loan
2176</a>
2177                  </li>
2178                
2179                  <li>
2180                     <a href="https://credit.com/how-to-get-small-business-loan">
2181        How to Get a Small Business Loan
2182</a>
2183                  </li>
2184                
2185              </ul>
2186            </div>
2187          
2188        
2189          
2190            <div class="menu-panel" data-menu="calculators-&amp;-tools-">
2191              <div class="mobile-menu-header">
2192                <button class="back" aria-label="back" data-back="loans">
2193                  <span class="back-icon-header icon icon-4"></span>
2194                </button>
2195                <span class="menu-title">Calculators &amp; Tools </span>
2196                <button class="close" aria-label="Close menu">
2197                   <span class="close_icon icon icon-3"></span>
2198                </button>
2199              </div>
2200              <ul>
2201                
2202                  <li>
2203                     <a href="https://credit.com/calculators/loan-calculator">
2204        Simple Loan Calculator 
2205</a>
2206                  </li>
2207                
2208                  <li>
2209                     <a href="https://credit.com/calculators/mortgage-calculator">
2210        Mortgage Calculator 
2211</a>
2212                  </li>
2213                
2214                  <li>
2215                     <a href="https://credit.com/calculators/dti">
2216        Debt-to-Income Ratio Calculator
2217</a>
2218                  </li>
2219                
2220                  <li>
2221                     <a href="https://credit.com/tools/credit-card-payoff-calculator">
2222        Credit Card Payoff Calculator
2223</a>
2224                  </li>
2225                
2226                  <li>
2227                     <a href="https://credit.com/calculators">
2228        All Loan &amp; Debt Calculators
2229</a>
2230                  </li>
2231                
2232                  <li>
2233                     <a href="https://marketing-api.credit.com/marketing-services/external/v2/refId/destn/6bd1425a-d2fb-44be-aaed-95d2fe1f5285?end_user_type=MARKET_PLACE&amp;af=32806" target="_blank" rel="noopener">
2234        Get Matched to a Loan
2235</a>
2236                  </li>
2237                
2238              </ul>
2239            </div>
2240          
2241        
2242      
2243    
2244  </div>
2245</nav>
2246
2247<div class="overlay" id="overlay"></div>
2248
2249</div>
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2670  
2671  <div class="container">
2672    <div class="breadcrumb" style="margin-top:80px">
2673      <a href="/" class="breadcrumb-link active">Home</a>
2674      
2675      <span class="breadcrumb-separator">
2676        <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/about_us/arrow-right.svg" alt="arrow-right">
2677      </span>
2678      
2679      <a href="/loans" class="breadcrumb-link active">Loans</a>
2680      
2681      
2682      <span class="breadcrumb-separator">
2683        <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/about_us/arrow-right.svg" alt="arrow-right">
2684      </span>
2685      
2686      <span class="breadcrumb-link last-link" id="bredTitle">Guide to Loans</span>
2687      
2688      
2689    </div>
2690  </div>
2691  
2692  
2693  
2694
2695
2696  
2697
2698
2699<main class="container">
2700  <div class="cc_credit-card-guide">
2701 
2702        <!-- <div class="cc_section-header mobiles"> -->
2703          
2704        <!-- </div> -->
2705        
2706        
2707        <div class="cc_content">
2708                    <div class="container-fluid">
2709<div class="row-fluid-wrapper">
2710<div class="row-fluid">
2711<div class="span12 widget-span widget-type-cell " style="" data-widget-type="cell" data-x="0" data-w="12">
2712
2713</div><!--end widget-span -->
2714</div>
2715</div>
2716</div>
2717            <div class="cc_section-header margin_bottom_24">
2718                <div id="hs_cos_wrapper_module_17496376237083" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
2719<h1 class="cc_section-title large-title">What kind of loan can I get?</h1>
2720
2721<!-- <h4 class="cc_section-subtitle"><p>Looking for a new loan? Use this comprehensive guide to find the right loan for your financial needs.</p></h4> -->
2722<p>Looking for a new loan? Use this comprehensive guide to find the right loan for your financial needs.</p>
2723
2724</div>
2725            </div>
2726            <div class="cc_section-header margin_bottom_48">
2727                <div id="hs_cos_wrapper_module_175334494265820" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
2728
2729
2730
2731
2732
2733
2734<a style="margin-bottom: 0px; margin-top:0px;" href="/loans/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Find the right loan">
2735  <div class="container">
2736    <div class="button-content">
2737      
2738      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Find the right loan</div>
2739    </div>
2740    <div class="state-layer">
2741      <div class="pressed-indicator"></div>
2742    </div>
2743  </div>
2744</a>
2745<script>
2746  document.addEventListener('DOMContentLoaded', function () {
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2775
2776</div>
2777            </div>
2778            <div class="container-fluid">
2779<div class="row-fluid-wrapper">
2780<div class="row-fluid">
2781<div class="span12 widget-span widget-type-cell " style="" data-widget-type="cell" data-x="0" data-w="12">
2782
2783<div class="row-fluid-wrapper row-depth-1 row-number-1 dnd-section">
2784<div class="row-fluid ">
2785<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
2786
2787<div class="row-fluid-wrapper row-depth-1 row-number-2 dnd-row">
2788<div class="row-fluid ">
2789<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
2790<div id="hs_cos_wrapper_widget_1753354053404" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
2791     
2792      
2793       
2794
2795    
2796    <p>Loans are an important personal financial tool. Most people don’t have the cash on hand to buy a house or new car, for example, so mortgages and auto loans are critical funding mechanisms to help make these things more accessible.</p>
2797<p>Many loan types exist, and what kind of loan you can get depends on a variety of factors, ranging from your credit score to your income. Discover what kinds of loans there are and the best type of loan for various situations below.</p>
2798
2799</section></div>
2800
2801</div><!--end widget-span -->
2802</div><!--end row-->
2803</div><!--end row-wrapper -->
2804
2805</div><!--end widget-span -->
2806</div><!--end row-->
2807</div><!--end row-wrapper -->
2808
2809<div class="row-fluid-wrapper row-depth-1 row-number-3 dnd-section">
2810<div class="row-fluid ">
2811<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
2812
2813<div class="row-fluid-wrapper row-depth-1 row-number-4 dnd-row">
2814<div class="row-fluid ">
2815<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
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2817     
2818      
2819      <h2>Personal loans</h2>
2820      
2821       
2822
2823    
2824    <p>Personal loans are a type of installment loan. You borrow money from a bank or other lender and agree to pay the amount back in installments.</p>
2825<p>Most personal loans are unsecured. Secured loans involve collateral—property a lender can take and sell to help cover its losses if you don’t pay as agreed. Collateral helps protect the interest of the lender, which means unsecured loans come with a bit more risk for lenders. Because of that, lenders often charge higher interest on personal loans than they do on loans for homes or vehicles.</p>
2826<p>The exact interest you might get on a personal loan and how much you can borrow depend on factors that include:</p>
2827<ul>
2828<li>Your credit history and score</li>
2829<li>Your income and employment status</li>
2830<li>The products the lender offers</li>
2831<li>How long you want to borrow the money for</li>
2832</ul>
2833
2834</section></div>
2835
2836</div><!--end widget-span -->
2837</div><!--end row-->
2838</div><!--end row-wrapper -->
2839
2840</div><!--end widget-span -->
2841</div><!--end row-->
2842</div><!--end row-wrapper -->
2843
2844<div class="row-fluid-wrapper row-depth-1 row-number-5 dnd-section">
2845<div class="row-fluid ">
2846<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
2847
2848<div class="row-fluid-wrapper row-depth-1 row-number-6 dnd-row">
2849<div class="row-fluid ">
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2851<div id="hs_cos_wrapper_widget_1753352974772" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
2852
2853
2854
2855
2856
2857
2858<a style="margin-bottom: 40px; margin-top:-20px;" href="/free-credit-report-card/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Sign up today!">
2859  <div class="container">
2860    <div class="button-content">
2861      
2862      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Sign up today!</div>
2863    </div>
2864    <div class="state-layer">
2865      <div class="pressed-indicator"></div>
2866    </div>
2867  </div>
2868</a>
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2873
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2898
2899
2900</div>
2901
2902</div><!--end widget-span -->
2903</div><!--end row-->
2904</div><!--end row-wrapper -->
2905
2906<div class="row-fluid-wrapper row-depth-1 row-number-7 dnd-row">
2907<div class="row-fluid ">
2908<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
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2910     
2911      
2912       
2913
2914    
2915    <h3 aria-level="3" role="heading">What are personal loans for?</h3>
2916<p aria-level="3" role="heading"><span>You can typically use personal loan funds for whatever purpose you want. Some reasons people take out personal loans include:</span></p>
2917<ul>
2918<li>To pay for a large expense, such as a wedding or vacation</li>
2919<li>To make a large purchase, such as furniture or a new home appliance</li>
2920<li>To consolidate debt</li>
2921<li>To cover emergency expenses, such as a car repair or medical bill</li>
2922</ul>
2923<h3 aria-level="3" role="heading">How do you find the best personal loan?</h3>
2924<p>The best personal loan for you is one that:</p>
2925<ul>
2926<li>Provides the funds you need</li>
2927<li>You can reasonably pay off as agreed</li>
2928<li>You can qualify for</li>
2929</ul>
2930<p>To find personal loan options, you can search online. Start with the Credit.com&nbsp;<a href="/loans/personal-loans/" rel="noopener">personal loan marketplace</a> to see numerous options. You can also ask your bank or credit union about personal loan options.</p>
2931
2932</section></div>
2933
2934</div><!--end widget-span -->
2935</div><!--end row-->
2936</div><!--end row-wrapper -->
2937
2938</div><!--end widget-span -->
2939</div><!--end row-->
2940</div><!--end row-wrapper -->
2941
2942<div class="row-fluid-wrapper row-depth-1 row-number-8 dnd-section">
2943<div class="row-fluid ">
2944<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
2945
2946<div class="row-fluid-wrapper row-depth-1 row-number-9 dnd-row">
2947<div class="row-fluid ">
2948<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
2949<div id="hs_cos_wrapper_widget_1749830606146" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section id="Mortgageloans" class="cc_section margin_bottom_48" data-toc-title="Mortgage loans">
2950     
2951      
2952      <h2>Mortgage loans</h2>
2953      
2954       
2955
2956    
2957    <p>Mortgage loans are loans used to purchase real estate, such as a home, land or a commercial property. Mortgages are secured loans, which means the property is used as collateral. If you don’t pay the loan as agreed, the lender can foreclose on the property, selling it to recoup its losses.</p>
2958<h3>How do mortgage loans work?</h3>
2959<p>Mortgage loans are some of the largest loans available to consumers. You usually agree to pay back the amount you borrow over the course of 15 to 30 years. This is a lot of risk for the lender, so the mortgage approval process is more detailed than approval processes for other types of loans.</p>
2960<p>Your credit score does play a role in whether you can get approved for a mortgage and how much interest you might pay if you do. But other factors are also important, including your income, debt-to-income ratio, credit utilization, cash on hand and types of items on your credit report.</p>
2961<p>The lender will also want to ensure that the home’s value equals or exceeds the amount you’re borrowing. They may require that you get an appraisal to ensure this fact.</p>
2962<p>Mortgage loans come in a variety of structures, including fixed-rate mortgages, adjustable-rate mortgages, jumbo loans and government-backed loans like FHA and VA loans. The terms and conditions of the loan, such as the interest rate, length of the loan and the down payment requirements, vary depending on the type of mortgage and the lender’s policies.</p>
2963<h3>How do you get a mortgage loan?</h3>
2964<p>You can get a mortgage loan by going through a broker, applying through your bank or applying online. Whatever path you decide on, take time to research loan options and&nbsp;<a href="/loans/mortgage-rates/" rel="noopener">mortgage rates</a>&nbsp;to get the best possible deal you can.</p>
2965
2966</section></div>
2967
2968</div><!--end widget-span -->
2969</div><!--end row-->
2970</div><!--end row-wrapper -->
2971
2972</div><!--end widget-span -->
2973</div><!--end row-->
2974</div><!--end row-wrapper -->
2975
2976<div class="row-fluid-wrapper row-depth-1 row-number-10 dnd-section">
2977<div class="row-fluid ">
2978<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
2979
2980<div class="row-fluid-wrapper row-depth-1 row-number-11 dnd-row">
2981<div class="row-fluid ">
2982<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
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2984
2985
2986
2987
2988
2989
2990<a style="margin-bottom: 40px; margin-top:-20px;" href="/loans/mortgage-rates/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Calculate your mortgage rates">
2991  <div class="container">
2992    <div class="button-content">
2993      
2994      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Calculate your mortgage rates</div>
2995    </div>
2996    <div class="state-layer">
2997      <div class="pressed-indicator"></div>
2998    </div>
2999  </div>
3000</a>
3001<script>
3002  document.addEventListener('DOMContentLoaded', function () {
3003    // Get all primary buttons that are not in pressed state
3004    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
3005
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3030
3031
3032</div>
3033
3034</div><!--end widget-span -->
3035</div><!--end row-->
3036</div><!--end row-wrapper -->
3037
3038<div class="row-fluid-wrapper row-depth-1 row-number-12 dnd-row">
3039<div class="row-fluid ">
3040<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3041<div id="hs_cos_wrapper_widget_1753354557165" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3042     
3043      
3044       
3045
3046    
3047    <p>But before you apply, make sure your personal finances are in order. Your credit score plays a big factor in your approval odds. Different loan options have credit score thresholds you need to meet to qualify. You could qualify for an FHA loan with a credit score of 500, but traditional loans require a score higher than 620. Mortgage lenders look at credit scores from all the bureaus, but they also look at your credit history as a whole. In so doing, they’re looking at any collections, delinquencies, or bankruptcies to determine how confident they are in giving you the loan. If you need a good idea of where your credit stands, you can use Credit.com’s free credit report card, updated every 14 days. Take note of any outstanding debts and make a plan to pay them off, and dispute any inaccurate information. Address these problems and keep monitoring your credit during the mortgage loan process to ensure everything goes accordingly.</p>
3048
3049</section></div>
3050
3051</div><!--end widget-span -->
3052</div><!--end row-->
3053</div><!--end row-wrapper -->
3054
3055</div><!--end widget-span -->
3056</div><!--end row-->
3057</div><!--end row-wrapper -->
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3059<div class="row-fluid-wrapper row-depth-1 row-number-13 dnd-section">
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3067
3068
3069
3070
3071
3072
3073<a style="margin-bottom: 40px; margin-top:-20px;" href="/free-credit-report-card/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Get your free credit report card">
3074  <div class="container">
3075    <div class="button-content">
3076      
3077      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Get your free credit report card</div>
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3081    </div>
3082  </div>
3083</a>
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3126<div class="row-fluid ">
3127<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3128
3129<div class="row-fluid-wrapper row-depth-1 row-number-16 dnd-row">
3130<div class="row-fluid ">
3131<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3132<div id="hs_cos_wrapper_widget_1753354663762" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3133     
3134      
3135       
3136
3137    
3138    <p>Apart from your credit scores, your lender will look at your take-home pay. Your gross income and debts will determine your debt-to-income ratio, which also affects your approval odds. Ideally, lenders prefer a&nbsp;<a href="/personal-finance/whats-a-good-debt-to-income-ratio/" rel="noopener">debt-to-income ratio of 36% or less</a>, with 28% of it going toward your mortgage payment. Some lenders may go <a href="https://www.investopedia.com/ask/answers/081214/whats-considered-be-good-debttoincome-dti-ratio.asp" target="_blank" rel="noreferrer noopener" aria-describedby="audioeye_new_window_message">as high as 43%</a>, and anything above that might hinder your chances of getting approved.&nbsp;</p>
3139<p>To buy a home, you need a down payment. Naturally, the higher the down payment, the lower your monthly costs will be. If you have limited funds for a down payment, ask your preferred lender about any other loan options that are either low or no payment loans. These can include FHA or VA loans, which can help you buy a home with less out of pocket costs. Keep in mind that with these loans, monthly costs can be more expensive. Most of these loans require mortgage insurance, which increases your monthly payments, and protects the lender in the event of a mortgage default. And if you want to refinance, inquire about affordable options.</p>
3140<p>Lastly, there are closing costs you need to consider. These can include any lender fees, appraisal fees, insurance costs, and so on. Keep room for these within your budget, as well.&nbsp; Buying a home takes a lot of effort and cash flow to secure it. But with proper preparation and the right loan options, you can buy your forever home faster.</p>
3141
3142</section></div>
3143
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3151
3152<div class="row-fluid-wrapper row-depth-1 row-number-17 dnd-section">
3153<div class="row-fluid ">
3154<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3155
3156<div class="row-fluid-wrapper row-depth-1 row-number-18 dnd-row">
3157<div class="row-fluid ">
3158<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3159<div id="hs_cos_wrapper_widget_1749836632791" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section id="autoloans" class="cc_section margin_bottom_48" data-toc-title="Auto Loans">
3160     
3161      
3162      <h2>Auto Loans</h2>
3163      
3164       
3165
3166    
3167    <p>An auto loan is used to purchase a new or used vehicle. These are secured loans, and if you don’t pay the loan, the lender can repossess the vehicle and sell it to cover its losses.</p>
3168<p>Your credit, income and other debt all play a role in whether you can get an auto loan. These factors also help determine the interest rate you might be offered for a car loan. The higher your interest rate, the more expensive your loan is.</p>
3169
3170</section></div>
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3181<div class="row-fluid ">
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3183
3184<div class="row-fluid-wrapper row-depth-1 row-number-20 dnd-row">
3185<div class="row-fluid ">
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3188
3189
3190
3191
3192
3193
3194<a style="margin-bottom: 40px; margin-top:-20px;" href="/loans/auto-loans/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Get started here">
3195  <div class="container">
3196    <div class="button-content">
3197      
3198      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Get started here</div>
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3203  </div>
3204</a>
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3206  document.addEventListener('DOMContentLoaded', function () {
3207    // Get all primary buttons that are not in pressed state
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3246<div class="row-fluid-wrapper row-depth-1 row-number-21 dnd-section">
3247<div class="row-fluid ">
3248<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3249
3250<div class="row-fluid-wrapper row-depth-1 row-number-22 dnd-row">
3251<div class="row-fluid ">
3252<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3253<div id="hs_cos_wrapper_widget_1753354776054" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3254     
3255      
3256       
3257
3258    
3259    <h3>Why is financing a car a good idea?</h3>
3260<p>Considering the costs of buying a car, many buyers opt to finance their new vehicle. So, when you decide to finance a car, you first need to think about any and all costs. Of course, these costs can vary. Therefore, it’s important to shop around and look for practical ways to save money on your car purchase, not just upfront costs, but also over time. While financing a car is a more viable option for many, the best way to save money is to purchase a car in cash outright. But, since this isn’t applicable for many, financing is the next best step. What does this mean for you? Buying a car is a big financial decision, so you need to take some essential steps to make sure you purchase a car well, and that its costs fit within your finances.</p>
3261<p>One of the first things when deciding to finance a car is the total purchase price. This includes the car’s price plus any additional features that need financing. Other fees and/or add-ons vary by state, and could include warranty coverage, taxes, and extra vehicle options.</p>
3262<p>Apart from purchase, interest rate or APR, also affects how much you pay. Naturally, the higher the rate, the more you pay. So, it’s important to shop around for good deals on APR, considering you’ll end up paying more than the car is worth. The same applies to loan terms. Most people look to own a car for at least five years. The upside is your monthly payments will be lower. The downside is that you end up owing more than the vehicle’s worth</p>
3263<p>With all that in mind, if you’re still considering financing a car, here’s how to find the best loan for you.</p>
3264<h3>How do you get an auto loan?</h3>
3265<p>Many people apply for vehicle financing at the dealership when they’re ready to purchase a car. The benefit of this method is that the dealer’s finance office helps you with the paperwork and checks with numerous lenders to try to get you the best deal in the moment.</p>
3266<p>However, you may be able to get a better deal if you do your own research and apply online or with your bank for an&nbsp;auto loan. If you go into the dealership pre-approved for a loan, you may be more confident when negotiating the vehicle purchase.</p>
3267<p>Start your research into different lenders, comparing rates and terms to find what’s best for you. Avoid applying too many times in quick succession, as these&nbsp;<a href="/credit-reports/what-is-a-hard-inquiry/" rel="noopener">hard inquiries</a>&nbsp;can bring down your credit score. Another factor that can help bring down costs is a down payment. An average down payment can be anywhere between 10-20% of the car’s value.</p>
3268<p>When looking for auto loans, especially online, make sure you’re borrowing from a trusted lender and keep your sensitive information safe.</p>
3269<p>Whether you’re looking for a new car or want to refinance for lower monthly payments, make sure you understand your qualifications and try to create a stronger application. This way, you can save more on your vehicle. Look at the options you have, and do your due diligence to ensure you’re getting the best auto loan for your needs.</p>
3270
3271</section></div>
3272
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3275</div><!--end row-wrapper -->
3276
3277</div><!--end widget-span -->
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3279</div><!--end row-wrapper -->
3280
3281<div class="row-fluid-wrapper row-depth-1 row-number-23 dnd-section">
3282<div class="row-fluid ">
3283<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3284
3285<div class="row-fluid-wrapper row-depth-1 row-number-24 dnd-row">
3286<div class="row-fluid ">
3287<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3288<div id="hs_cos_wrapper_widget_1749837718737" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section id="Studentoans" class="cc_section margin_bottom_48" data-toc-title="Student loans">
3289     
3290      
3291      <h2>Student loans</h2>
3292      
3293       
3294
3295    
3296    <p>Student loans help cover the cost of college. You can get private or government-backed student loans.<
3296/p>
3297<p>All types of student loans are installment loans. You usually end up paying them back in monthly installments. However, many student loan repayments don’t start until you’re out of school because the lenders understand that students may not have the funds until they start their careers.</p>
3298<p>Often, student loan lenders have numerous programs to help keep payments affordable. You may be able to set up new payment plans or defer your loans if they cause you financial duress.</p>
3299
3300</section></div>
3301
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3306</div><!--end widget-span -->
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3309
3310<div class="row-fluid-wrapper row-depth-1 row-number-25 dnd-section">
3311<div class="row-fluid ">
3312<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3313
3314<div class="row-fluid-wrapper row-depth-1 row-number-26 dnd-row">
3315<div class="row-fluid ">
3316<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3317<div id="hs_cos_wrapper_widget_1749837869591" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3318     
3319      
3320       
3321
3322    
3323    <h3>Do you need student loans?</h3>
3324<p>The average cost of tuition for public 4-year colleges in 2022 was&nbsp;<a href="https://www.businessinsider.com/personal-finance/average-college-tuition">$10,740 to $27,560</a>. That doesn’t include room and board, which can be around $12,000, and other expenses. To many, that’s a large expense, and you may 
3324not have the cash on hand to pay for your education. In fact, the total <a href="https://www.businessinsider.com/personal-finance/average-college-tuition">student loan debt</a>;in the United States has reached &nbsp;<a href="https://www.forbes.com/sites/zackfriedman/2022/05/16/student-loan-debt-statistics-in-2022-a-record-17-trillion/?sh=49a57eed4d5a">$1.7 trillion in 2022</a>, taking up a large portion of debt owed, in addition to mortgages, credit cards, car loans, etc.</p>
3325<p>Even so, student loans can help foot the large bill you’re likely to have when getting a higher education. To get started, it’s important to know what student loan options you have to help cover everything.&nbsp; If you can’t easily cover these costs with savings or other income, you may need a student loan.</p>
3326<p>One important distinction to make is between federal and private student loans. Most people opt for federal student loans provided by the government as they provide lower interest rates. However, federal aid can sometimes not cover all expenses. So, private student loans are another option to help finance your education. Federal student loans, as stated before, are loans provided by the government, which have certain protections, such as deferment, to help students in times of economic hardship. These loans can come either subsidized or unsubsidized. The major difference between the two is that with subsidized loans, you have to show financial need, contrary to unsubsidized, which do not have these requirements. While most opt for federal loans, they may not help cover all expenses. This is where private student loans can help. Of course, look at your options to see what works best for you.</p>
3327<p>Most student loans don’t require repayment until after graduation, so you have some time to be prepared and tackle your student loans with a viable action plan.</p>
3328<h3>Where do I find student loans?</h3>
3329<p>To find out about government-backed student loans you might qualify for, complete the&nbsp;<a href="https://studentaid.gov/h/apply-for-aid/fafsa">Free Application for Federal Student Aid</a>&nbsp;(FAFSA). You’ll have to fill out the FAFSA with all your information, including: household income (includes your parents’), tax returns (your parents if you’re dependent), and the school you wish to attend. Once your application is processed, the school in question will send you a financial aid package, in which you can choose from different options, as well as any other applicable grants, loans, or other types of aid.</p>
3330<p>If you don’t qualify for government-backed loans or would prefer private loans, you can find&nbsp;<a href="/loans/student-loans/" rel="noopener">private student loans</a>&nbsp;online. The process is relatively easy. You can compare different lenders online, usually, without affecting your credit. If you need help finding a student loan right for you, Credit.com can help. Use our student loan calculator tool to get matched with a lender that meets your qualifications.</p>
3331
3332</section></div>
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3345
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3350
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3352
3353
3354
3355
3356<a style="margin-bottom: 40px; margin-top:-20px;" href="/loans/student-loans/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Find a student loan">
3357  <div class="container">
3358    <div class="button-content">
3359      
3360      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Find a student loan</div>
3361    </div>
3362    <div class="state-layer">
3363      <div class="pressed-indicator"></div>
3364    </div>
3365  </div>
3366</a>
3367<script>
3368  document.addEventListener('DOMContentLoaded', function () {
3369    // Get all primary buttons that are not in pressed state
3370    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
3371
3372    // Loop through all matching buttons
3373    primaryButtons.forEach(button => {
3374      // Prevent default focus outline when clicking
3375      button.addEventListener('mousedown', function (e) {
3376        e.preventDefault();
3377        this.classList.add('btn-pressed');
3378      });
3379
3380      // Remove pressed state when mouse is released
3381      button.addEventListener('mouseup', function () {
3382        this.classList.remove('btn-pressed');
3383      });
3384
3385      // Remove pressed state if mouse leaves while button is pressed
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3387        this.classList.remove('btn-pressed');
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3392        this.blur(); // Remove focus after click
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3407
3408<div class="row-fluid-wrapper row-depth-1 row-number-29 dnd-section">
3409<div class="row-fluid ">
3410<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3411
3412<div class="row-fluid-wrapper row-depth-1 row-number-30 dnd-row">
3413<div class="row-fluid ">
3414<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3415<div id="hs_cos_wrapper_widget_1753354879101" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3416     
3417      
3418       
3419
3420    
3421    <p>Of course, look at your options to see what works best for you. When it comes to student loans, it’s best to be prepared and understand the terms and conditions of what you’re agreeing to. And when the time comes to repay, make sure you have a sturdy budgeting plan in place to ensure you can make payments on time and bring down your debt.</p>
3422
3423</section></div>
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3429</div><!--end widget-span -->
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3432
3433<div class="row-fluid-wrapper row-depth-1 row-number-31 dnd-section">
3434<div class="row-fluid ">
3435<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3436
3437<div class="row-fluid-wrapper row-depth-1 row-number-32 dnd-row">
3438<div class="row-fluid ">
3439<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3440<div id="hs_cos_wrapper_widget_1749839281808" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section id="Smallbusinessloans" class="cc_section margin_bottom_48" data-toc-title="Small business loans">
3441     
3442      
3443      <h2>Small business loans</h2>
3444      
3445       
3446
3447    
3448    <p>Small business loans provide small businesses with the funding they need to cover daily expenses, buy necessary equipment or invest in growth. Lenders may consider the personal credit of the small business owner as well as the business’s creditworthiness and financial health when approv
3448ing loans and setting terms. In many cases, small business loans are set up as installment loans, with the business paying the amount back in monthly installments.</p>
3449
3450</section></div>
3451
3452</div><!--end widget-span -->
3453</div><!--end row-->
3454</div><!--end row-wrapper -->
3455
3456<div class="row-fluid-wrapper row-depth-1 row-number-33 dnd-row">
3457<div class="row-fluid ">
3458<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3459<div id="hs_cos_wrapper_widget_1753353789842" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
3460
3461
3462
3463
3464
3465
3466<a style="margin-bottom: 40px; margin-top:-20px;" href="/loans/small-business-loans/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Compare small business loans">
3467  <div class="container">
3468    <div class="button-content">
3469      
3470      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Compare small business loans</div>
3471    </div>
3472    <div class="state-layer">
3473      <div class="pressed-indicator"></div>
3474    </div>
3475  </div>
3476</a>
3477<script>
3478  document.addEventListener('DOMContentLoaded', function () {
3479    // Get all primary buttons that are not in pressed state
3480    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
3481
3482    // Loop through all matching buttons
3483    primaryButtons.forEach(button => {
3484      // Prevent default focus outline when clicking
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3494
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3497        this.classList.remove('btn-pressed');
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3499
3500      // Prevent focus outline on click
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3502        this.blur(); // Remove focus after click
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3506</script>
3506
3507
3508</div>
3509
3510</div><!--end widget-span -->
3511</div><!--end row-->
3512</div><!--end row-wrapper -->
3513
3514<div class="row-fluid-wrapper row-depth-1 row-number-34 dnd-row">
3515<div class="row-fluid ">
3516<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3517<div id="hs_cos_wrapper_module_17498396867813" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3518     
3519      
3520       
3521
3522    
3523    <h3>What are the advantages of a small business loan?</h3>
3524<p>Sometimes, small businesses struggle to stay afloat. Financing a business can be tricky, and if you don’t have the capital to operate over a long period of time, you may be forced to shut down. This happens to many businesses within the first two years,&nbsp;<a href="https://www.investopedia.com/financial-edge/1010/top-6-reasons-new-businesses-fail.aspx">at least 20% of them</a>. So, what can be done to remedy the situation? Small business loans offer a lifeline to small business owners that need extra money to thrive.</p>
3525<p>Conversely, you might be looking to expand, renovate, or sustain your current business. You can use a small business loan for this, as well. You can direct the funds toward business-related expenses, like machinery, real estate purchases, staffing, renovations, and more.</p>
3526<h3>What kind of small business loan can I get?</h3>
3527<p>How do these loans work, though? Small business loans come in many different forms and from different sources, so it’s worth looking at all your options before proceeding. Banks and credit unions are a popular source of these loans, as well as business credit cards and CDFIs, which are given to small business owners in underserved communities. SBA loans are also available, and these are backed by the government and provided by private lenders. These loans, because they’re backed by the SBA, have different terms. If you default on this loan, the government pays the lender the guaranteed loan amount. However, these loans have more stringent requirements, like a good credit, strong finances, and a few years in business.</p>
3528<h3>Where can I get a small business loan?</h3>
3529<p>Contrary to other personal loans, getting a small business loan can be a much more rigid process. Before you apply, you need to have a good understanding of both your business finances and personal history.</p>
3530<p>Lenders will have different requirements for loans. But, you still need to come in 
3530with as much information about your business as possible. To increase your chances of getting approved for a small business loan, you need to craft a strong application with a detailed history of the following:</p>
3531<ul>
3532<li><a href="/credit-scores/" rel="noopener">Credit Score</a></li>
3533<li>Revenue</li>
3534<li>Cash Flow</li>
3535<li>Collateral</li>
3536<li><a href="/credit-scores/" rel="noopener">DTI Ratio</a></li>
3537<li>Industry</li>
3538<li>Age of Business</li>
3539<li>Plans for the Loan</li>
3540</ul>
3541<p>If you’re a new business, less than a year old, you might have a harder time securing funding, as lenders often look for established cash flow during the application process. So, if you’re trying to get startup funding, your credit profile plays a bigger role. While you need to provide all the pertinent business information as stated above, one item needs more attention as a new business owner, and that’s your credit score. For newer businesses, lenders are more than likely to check personal credit scores. So, use our credit report card to get a comprehensive view of your credit report, and get graded on areas of improvement.</p>
3542
3543</section></div>
3544
3545</div><!--end widget-span -->
3546</div><!--end row-->
3547</div><!--end row-wrapper -->
3548
3549</div><!--end widget-span -->
3550</div><!--end row-->
3551</div><!--end row-wrapper -->
3552
3553<div class="row-fluid-wrapper row-depth-1 row-number-35 dnd-section">
3554<div class="row-fluid ">
3555<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12">
3556
3557<div class="row-fluid-wrapper row-depth-1 row-number-36 dnd-row">
3558<div class="row-fluid ">
3559<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3560<div id="hs_cos_wrapper_widget_1753353882079" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
3561
3562
3563
3564
3565
3566
3567<a style="margin-bottom: 40px; margin-top:-20px;" href="/free-credit-report-card/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Get your free credit report card">
3568  <div class="container">
3569    <div class="button-content">
3570      
3571      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Get your free credit report card</div>
3572    </div>
3573    <div class="state-layer">
3574      <div class="pressed-indicator"></div>
3575    </div>
3576  </div>
3577</a>
3578<script>
3579  document.addEventListener('DOMContentLoaded', function () {
3580    // Get all primary buttons that are not in pressed state
3581    const primaryButtons = document.querySelectorAll('.btn:not(.btn-pressed)');
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3590
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3598        this.classList.remove('btn-pressed');
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3600
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3603        this.blur(); // Remove focus after click
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3607
3608
3609</div>
3610
3611</div><!--end widget-span -->
3612</div><!--end row-->
3613</div><!--end row-wrapper -->
3614
3615</div><!--end widget-span -->
3616</div><!--end row-->
3617</div><!--end row-wrapper -->
3618
3619<div class="row-fluid-wrapper row-depth-1 row-number-37 dnd-section">
3620<div class="row-fluid ">
3621<div class="span6 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="6">
3622
3623<div class="row-fluid-wrapper row-depth-1 row-number-38 dnd-row">
3624<div class="row-fluid ">
3625<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3626<div id="hs_cos_wrapper_widget_1749840410971" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3627     
3628      
3629       
3630
3631    
3632    <p>Lastly, you can get a credit card to help pay for business expenses. With these cards, you can help finance your business using revolving credit and flexible payment options. And with no collateral, you can keep your business assets secure. As long as you make on-time payments and spend responsibly, you can both keep your business operation and your credit score healthy.</p>
3633
3634</section></div>
3635
3636</div><!--end widget-span -->
3637</div><!--end row-->
3638</div><!--end row-wrapper -->
3639
3640<div class="row-fluid-wrapper row-depth-1 row-number-39 dnd-row">
3641<div class="row-fluid ">
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3644
3645
3646
3647
3648
3649
3650<a style="margin-bottom: 40px; margin-top:-20px;" href="/credit-cards/" class="btn  btn-text-only  btn-primary btn-large " aria-label="Browse all credit cards">
3651  <div class="container">
3652    <div class="button-content">
3653      
3654      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Browse all credit cards</div>
3655    </div>
3656    <div class="state-layer">
3657      <div class="pressed-indicator"></div>
3658    </div>
3659  </div>
3660</a>
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3665
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3686        this.blur(); // Remove focus after click
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3690
3691
3692</div>
3693
3694</div><!--end widget-span -->
3695</div><!--end row-->
3696</div><!--end row-wrapper -->
3697
3698</div><!--end widget-span -->
3699<div class="span6 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="6" data-w="6">
3700
3701<div class="row-fluid-wrapper row-depth-1 row-number-40 dnd-row">
3702<div class="row-fluid ">
3703<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12">
3704<div id="hs_cos_wrapper_module_17498404676563" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section class="cc_section margin_bottom_48" data-toc-title="">
3705     
3706      
3707       
3708
3709    
3710    <p>If you want a small business loan, understand what lenders require, know where your personal finances stand, and you can have a better chance at getting the funds you need.</p>
3711
3712</section></div>
3713
3714</div><!--end widget-span -->
3715</div><!--end row-->
3716</div><!--end row-wrapper -->
3717
3718</div><!--end widget-span -->
3719</div><!--end row-->
3720</div><!--end row-wrapper -->
3721
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3723</div>
3724</div>
3725</div>
3726        </div>
3727        <nav class="cc_table-of-contents d-lg-block">
3728            
3729            <div class="cc_credit-links">
3730                <div id="hs_cos_wrapper_module_17506906249832" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><a href="#" id="legal_tooltip_id" class="tooltip-trigger-legal" data-tooltip="<div class='tooltip-content'><p>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Information on this website may not be current. This website may contain links to other third-party websites. Such links are only for the convenience of the reader, user or browser; we do not recommend or endorse the contents of any third-party sites. Readers of this website should contact their attorney, accountant or credit counselor to obtain advice with respect to their particular situation. No reader, user, or browser of this site should act or not act on the basis of information on this site. Always seek personal legal, financial or credit advice for your relevant jurisdiction. Only your individual attorney or advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, contributors, contributing firms, or their respective employers.</p></div>" data-position="bottom" data-html="true" style="margin-left: 0px; font-weight: 300; line-height: 24px; font-size: 16px; color: #5F5746; text-decoration: underline; cursor: pointer;">
3731    Legal Disclosure
3732</a></div>
3733                <div id="hs_cos_wrapper_module_17506906243455" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><!-- <a href="#" id="ad_tooltip_id" class="tooltip-trigger-ad" data-tooltip="<div class='tooltip-content' tabindex='0'><p>The offers that appear on Credit.com’s website are from companies from which Credit.com receives compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. Compensation is not a factor in the substantive evaluation of any product. However, this compensation also facilitates the provision by Credit.com of certain services to you at no charge. The website does not include all financial services companies or all of their available product and service offerings.</p></div>" data-position="bottom"
3734    data-html="true"
3735    style="margin-left: 0px; font-weight: 300; line-height: 24px; font-size: 16px; color: #5F5746; text-decoration: underline; cursor: pointer;">
3736    
3737</a> -->
3738<p id="ad_tooltip_id" class="tooltip-trigger-ad" data-tooltip="<div class='tooltip-content' tabindex='0'><p>The offers that appear on Credit.com’s website are from companies from which Credit.com receives compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. Compensation is not a factor in the substantive evaluation of any product. However, this compensation also facilitates the provision by Credit.com of certain services to you at no charge. The website does not include all financial services companies or all of their available product and service offerings.</p></div>" data-position="bottom" data-html="true" style="margin-left: 0px; font-weight: 300; line-height: 24px; font-size: 16px; color: #5F5746; text-decoration: underline; cursor: pointer;">
3739   Advertiser Disclosure
3740</p></div>
3741            </div>
3742            
3743        <div id="hs_cos_wrapper_module_17496355020921" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><div class="cc_table-of-contents-container" data-module-id="module_17496355020921">
3744    <h2>Table of Contents</h2>
3745    <ul class="cc_table-of-contents-list">
3746        
3747    </ul>
3748</div>
3749
3750
3751<script type="application/json" id="custom-toc-data">
3752  []
3753</script>
3753
3754
3755<!-- Global JS config for TOC behavior -->
3756<script>
3757  window.tocSettings = window.tocSettings || {};
3758  window.tocSettings["module_17496355020921"] = {
3759    enableNumbering: true
3760  };
3761</script>
3761</div>
3762        <div class="container-fluid toc-modules">
3763<div class="row-fluid-wrapper">
3764<div class="row-fluid">
3765<div class="span12 widget-span widget-type-cell " style="" data-widget-type="cell" data-x="0" data-w="12">
3766
3767</div><!--end widget-span -->
3768</div>
3769</div>
3770</div>
3771        </nav>
3772    </div>
3773   
3774
3775</main>
3776
3777<div id="hs_cos_wrapper_module_credit_topics" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
3778<section class="cc_other_credit_topics">
3779    <div class="container">
3780        <h3 class="cc_other_credit_topics_title">Other Credit  Topics</h3>
3781        <div class="row">
3782            
3783            <div class="col-lg-3 col-sm-6 col-xs-6">
3784                
3785                <a href="/credit-cards/browse">
3786                    <div class="cc_other_credit_topics_card">
3787                        <div class="cc_other_credit_topics_img">
3788                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/credit_card.svg" alt="Credit cards" aria-hidden="true">
3789                        </div>
3790                        <div class="cc_other_credit_topics_title">
3791                            <h4>Credit cards</h4>
3792                        </div>
3793                    </div>
3794                </a>
3795                
3796            </div>
3797            
3798            <div class="col-lg-3 col-sm-6 col-xs-6">
3799                
3800                <a href="/credit-repair">
3801                    <div class="cc_other_credit_topics_card">
3802                        <div class="cc_other_credit_topics_img">
3803                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/credit_repair.svg" alt="Credit repair" aria-hidden="true">
3804                        </div>
3805                        <div class="cc_other_credit_topics_title">
3806                            <h4>Credit repair</h4>
3807                        </div>
3808                    </div>
3809                </a>
3810                
3811            </div>
3812            
3813            <div class="col-lg-3 col-sm-6 col-xs-6">
3814                
3815                <a href="/blog/tag/loans">
3816                    <div class="cc_other_credit_topics_card">
3817                        <div class="cc_other_credit_topics_img">
3818                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/loan.svg" alt="Loans" aria-hidden="true">
3819                        </div>
3820                        <div class="cc_other_credit_topics_title">
3821                            <h4>Loans</h4>
3822                        </div>
3823                    </div>
3824                </a>
3825                
3826            </div>
3827            
3828            <div class="col-lg-3 col-sm-6 col-xs-6">
3829                
3830                <a href="/blog/tag/taxes">
3831                    <div class="cc_other_credit_topics_card">
3832                        <div class="cc_other_credit_topics_img">
3833                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/taxes.svg" alt="Taxes" aria-hidden="true">
3834                        </div>
3835                        <div class="cc_other_credit_topics_title">
3836                            <h4>Taxes</h4>
3837                        </div>
3838                    </div>
3839                </a>
3840                
3841            </div>
3842            
3843            <div class="col-lg-3 col-sm-6 col-xs-6">
3844                
3845                <a href="personal-finance/savings-accounts">
3846                    <div class="cc_other_credit_topics_card">
3847                        <div class="cc_other_credit_topics_img">
3848                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/savings.svg" alt="Savings" aria-hidden="true">
3849                        </div>
3850                        <div class="cc_other_credit_topics_title">
3851                            <h4>Savings</h4>
3852                        </div>
3853                    </div>
3854                </a>
3855                
3856            </div>
3857            
3858            <div class="col-lg-3 col-sm-6 col-xs-6">
3859                
3860                <a href="/blog/tag/debt">
3861                    <div class="cc_other_credit_topics_card">
3862                        <div class="cc_other_credit_topics_img">
3863                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/managing_debt.svg" alt="Managing debt" aria-hidden="true">
3864                        </div>
3865                        <div class="cc_other_credit_topics_title">
3866                            <h4>Managing debt</h4>
3867                        </div>
3868                    </div>
3869                </a>
3870                
3871            </div>
3872            
3873            <div class="col-lg-3 col-sm-6 col-xs-6">
3874                
3875                <a href="/blog/tag/credit-reports">
3876                    <div class="cc_other_credit_topics_card">
3877                        <div class="cc_other_credit_topics_img">
3878                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/credit_report.svg" alt="Credit report" aria-hidden="true">
3879                        </div>
3880                        <div class="cc_other_credit_topics_title">
3881                            <h4>Credit report</h4>
3882                        </div>
3883                    </div>
3884                </a>
3885                
3886            </div>
3887            
3888            <div class="col-lg-3 col-sm-6 col-xs-6">
3889                
3890                <a href="/credit-scores">
3891                    <div class="cc_other_credit_topics_card">
3892                        <div class="cc_other_credit_topics_img">
3893                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/credit_score.svg" alt="Credit scores" aria-hidden="true">
3894                        </div>
3895                        <div class="cc_other_credit_topics_title">
3896                            <h4>Credit scores</h4>
3897                        </div>
3898                    </div>
3899                </a>
3900                
3901            </div>
3902            
3903            <div class="col-lg-3 col-sm-6 col-xs-6">
3904                
3905                <a href="/personal-finance">
3906                    <div class="cc_other_credit_topics_card">
3907                        <div class="cc_other_credit_topics_img">
3908                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/personal_finance.svg" alt="Personal finance" aria-hidden="true">
3909                        </div>
3910                        <div class="cc_other_credit_topics_title">
3911                            <h4>Personal finance</h4>
3912                        </div>
3913                    </div>
3914                </a>
3915                
3916            </div>
3917            
3918            <div class="col-lg-3 col-sm-6 col-xs-6">
3919                
3920                <a href="/loans/student-loans">
3921                    <div class="cc_other_credit_topics_card">
3922                        <div class="cc_other_credit_topics_img">
3923                            <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/student_loan.svg" alt="Student loans" aria-hidden="true">
3924                        </div>
3925                        <div class="cc_other_credit_topics_title">
3926                            <h4>Student loans</h4>
3927                        </div>
3928                    </div>
3929                </a>
3930                
3931            </div>
3932            
3933        </div>
3934    </div>
3935</section>
3936</div>
3937
3938
3939
3940
3941<div id="hs_cos_wrapper_guide_credit_tool" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module">
3942
3943
3944<section class="Credit_tools">
3945  <div class="container">
3946    <h3 class="Credit_tools_title">Credit Tools</h3>
3947    <div class="row">
3948      
3949        <div class="col-lg-4 col-sm-6 col-xs-12">
3950          <div class="Credit_tools_card">
3951            <div class="Credit_tools_card_img">
3952              <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/credit_report.svg" alt="Credit report card" aria-hidden="true" loading="lazy" width="80" height="80">
3953            </div>
3954            <div class="Credit_tools_card_content">
3955              <h4>Credit report card</h4>
3956              <p>Free credit score and credit report snapshot</p>  
3957                 
3958
3959
3960
3961
3962<a style="margin-bottom: 0px; margin-top:0px;" href="/signup/?inpg_placement=intent&amp;inpg_message=cec&amp;inpg_section=hubpagecredittoolscreditreportcard" class="btn  btn-text-only  btn btn-text-only style-outline-state btn-large  " aria-label="Get your free score">
3963  <div class="container">
3964    <div class="button-content">
3965      
3966      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Get your free score</div>
3967    </div>
3968    <div class="state-layer">
3969      <div class="pressed-indicator"></div>
3970    </div>
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3972</a>
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4004            </div>
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4007          </div>
4008          
4009        <div class="col-lg-4 col-sm-6 col-xs-12">
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4012              <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/calculator.svg" alt="Calculators" aria-hidden="true" loading="lazy" width="80" height="80">
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4014            <div class="Credit_tools_card_content">
4015              <h4>Calculators</h4>
4016              <p>Tools to help you take control of your financial goals</p>  
4017                 
4018
4019
4020
4021
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4026      <div style="padding:0px 0px 0px 0px;" class="text-wrapper">Calculate your savings</div>
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4072              <img src="https://credit.com/hubfs/raw_assets/public/ccom-theme/assets/images/icons/credit_repair.svg" alt="Free credit repair assessment" aria-hidden="true" loading="lazy" width="80" height="80">
4073            </div>
4074            <div class="Credit_tools_card_content">
4075              <h4>Free credit repair assessment</h4>
4076              <p>Ensure you have an accurate credit report</p>  
4077                 
4078
4079
4080
4081
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4146            
4147        </div>
4148        <div class="social-links">
4149            
4150            <a href="https://www.facebook.com/CreditExperts" target="_blank">
4151                <img class="social-icons" src="https://credit.com/hubfs/facebook.svg" alt="facebook" aria-hidden="true" loading="lazy">
4152            </a>
4153            
4154            <a href="https://twitter.com/CreditExperts" target="_blank">
4155                <img class="social-icons" src="https://credit.com/hubfs/twitter.svg" alt="twitter" aria-hidden="true" loading="lazy">
4156            </a>
4157            
4158            <a href="https://www.linkedin.com/company/credit-com" target="_blank">
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4160            </a>
4161            
4162
4163            
4164            <a href="https://itunes.apple.com/us/app/credit.com-mobile-free-credit/id871022793?ls=1&amp;mt=8" target="_blank">
4165                <img class="badges" src="https://credit.com/hubfs/app-store-badge.svg" alt="App Store" aria-hidden="true" loading="lazy">
4166            </a>
4167            
4168            <a href="https://play.google.com/store/apps/details?id=com.creditcom&amp;pcampaignid=pcampaignidMKT-Other-global-all-co-prtnr-py-PartBadge-Mar2515-1" target="_blank">
4169                <img class="badges" src="https://credit.com/hubfs/google-play.svg" alt="google-play" aria-hidden="true" loading="lazy">
4170            </a>
4171            
4172        </div>
4173    </div>
4174
4175    <div class="frame-2">
4176        <div class="about">
4177            <div class="text-wrapper">About</div>
4178            
4179            <div class="text-wrapper-2"><a href="/about-us">About us</a></div>
4180            
4181            <div class="text-wrapper-2"><a href="/contact-us">Contact Us</a></div>
4182            
4183            <div class="text-wrapper-2"><a href="/how-it-works/free-mobile-credit-app/">Credit.com App</a></div>
4184            
4185            <div class="text-wrapper-2"><a href=""></a></div>
4186            
4187        </div>
4188        <div class="about-2">
4189            <div class="text-wrapper">Credit Resources</div>
4190            
4191            <div class="text-wrapper-2"><a href="/free-credit-score/">Free Credit Score</a></div>
4192            
4193            <div class="text-wrapper-2"><a href="/credit-cards/">Credit Cards</a></div>
4194            
4195            <div class="text-wrapper-2"><a href="/blog">Blog</a></div>
4196            
4197        </div>
4198    </div>
4199</div></div>
4200
4201                <div id="hs_cos_wrapper_legal_disclaimer" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-rich_text" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><span id="hs_cos_wrapper_legal_disclaimer_" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" style="" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text"><p class="p">© 1996-2026 Credit.com ™, LLC. All rights reserved</p>
4202<p class="p"><a href="/privacy/">Privacy Policy</a>&nbsp;&nbsp; |&nbsp;&nbsp; <a href="/privacy-notice/">Privacy Notice</a>&nbsp;&nbsp;|&nbsp;&nbsp;<a href="/terms/">Terms of Service</a>&nbsp;&nbsp;|&nbsp;&nbsp;<a href="https://privacyportal-cdn.onetrust.com/dsarwebform/e5972974-adf3-405e-b919-62b20ae438a0/eb0adcee-1fed-4068-9801-85b289d900b6.html">Do not sell or share my personal information</a>&nbsp;&nbsp;|&nbsp;&nbsp;<a>Change Cookie Preferences</a></p>
4203<p class="p">The offers that appear on Credit.com's website are from companies from which Credit.com receives compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. Compensation is not a factor in the substantive evaluation of any product. However, this compensation also facilitates the provision by Credit.com of certain services to you at no charge. The website does not include all financial services companies or all of their available product and service offerings. Google Play and the Google Play logo are trademarks of Google LLC.</p></span></div>
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