Credit & Loans

Have you heard about the car title loans? These are the types of loans which allow you to use the title of your car as the security in exchange for the money borrowed. Some of the companies will give you a loan of up to $50,000 when you apply for a car title loan.

There is no better way to get your loan easily than using the car title loans. There are a lot of people across the world who make use of this opportunity to get their urgent works done.

Some of the features of this type of loans are:

• They are easy and simple to understand and follow.

• Has a very quick process. You will get your loans usually within a period of 24 hours from the time of your application.

• You can submit your application online.

At every stage of life, every one of us needs money for the purpose of purchasing items and settling bills. However, sometimes it may happen that you do not have the purchasing capabilities due to lack or shortage of money. Hence, the only solution that can save you out of such critical situation is obtaining a loan. Such loans may include personal loans, student loans, business loans, and title loans among others. Each loan has its own lending policies. For instance, title loans can only be obtained upon surrendering an asset’s title to the loan company as collateral in case of default. In this case, it is very important to understand about how this type of loan works by putting in minds the following key points.

When strategically used, a credit card that offers cash-back rewards can minimize expenses associated with owning and using a credit card. In the best-case scenario a card that offers cash-back rewards will actually pay you for using it. 

Choose a Card Network

After comparing the rewards and bonuses offered by individual cards you can check out the differences between the Visa, MasterCard, American Express and Discover networks to see if the perks offered by the card network affect your decision.

We looked for a combination of low interest rates and high reward rates to find the best cards in each category.

With today’s high gas prices, gas reward credit cards are a great way to save money at the pump. Many credit cards will return a base 1% on your spending, but there are some that will give anywhere from 2% to 5% cash back on your gas purchases. Outlined below are some of the better ones, and afterwards a discussion will follow on which one might be the best card for you.

Are you a college student looking for your first credit card? Among the major credit card issuers in the U.S., only Capital One, Citi, and Discover offer student credit cards. Which company offers the most for students: the Capital One Journey Student Rewards, the Citi Forward, or the Discover It for Students? The contenders are summarized in the table below.

Are you looking for a credit card for your new small business? After researching a variety of cards on the market, Chase’s Ink line of credit cards comes out on top.

The major credit card issuers - Chase, American Express, Citi, Capital One, and Discover - all have business credit cards, but when compared to Chase’s Ink line, they all fall short in some way. The Ink line are all Visas, which means they have the largest acceptance rate. We can then immediately write off the American Express and Discover credit cards because their acceptance rates by vendors are much lower than that of Visa’s.

Citi has a couple of business cards, but one is tied to American Airlines and the other has rotating categories of higher return rates. The points earned from the Ink cards can be redeemed towards flights for a wider variety of airlines, and the higher earning categories stay steady throughout the year.

Never a borrower nor lender be. This maxim from Shakespeare’s Hamlet might have been good advice in the past, but following it today could leave you unable to climb the economic ladder to financial security and/or watching your hard-earned assets eroded by inflation. The key is to borrow and lend intelligently. Lending as an Investment

If you are in the market for a credit card, don't be too quick to dismiss those that charge an annual fee. There are some fee-based cards that offer greater savings than their no annual fee counterparts, even once the annual fee is accounted for. The following is a comparison of three pairs of credit cards - those with annual fees and their no annual fee counterparts - that serve as great test beds to demonstrate this, and if you choose wisely you could get some big savings. This scenario works only if you stick to the golden rule: pay off your card in full every month!

Comparison of Grocery, Gas and Department Store Reward Cards

The first pair of credit cards are aimed towards everyday purchases: groceries, gas, and department stores. These are the American Express Blue Cash Everyday, and the Blue Cash Preferred.

If you need a bigger loan than your credit card balances will allow, a personal loan is one way to get the money you need at relatively cheap rates. Study the market and read the fine print to make sure you are getting the lowest interest rate and the best loan terms available.

Here is a rundown of sources for low interest personal loans:

Peer to peer loans

Before you sit down with the loan officer at your bank, check peer to peer lending sources online. Banks set their rates based on many factors, one of which is the risk you pose as a borrower. Peer to peer lending spreads that risk out among a large group of lenders allowing them to charge a much lower interest rate.

Airline reward cards fall into one of two categories.

• Branded airline card - offers the perks of working with one airline 
• General travel card - allows you to collect travel reward points on all spending

Always, read the fine print. Sometimes points aren't valid if you book through a discount broker - make sure you check. If you need to travel at a certain time of year, look fort blackout dates that prevent you from using rewards mileage to travel during that time.

Here are ConsumerFu's top picks for general travel cards. We also give a full rundown of branded cards in the table below.