Denny Ceizyk joined the Bankrate Loans team as a Senior Writer in 2023, providing 30 years of insight from his experience in loan sales and as a personal finance writer to help consumers navigate the lending landscape on their financial journeys. Denny’s background in mortgage lending gives him unique insight into how consumer’s financial decisions — especially related to how they manage credit — affect their successes throughout their financial lifetimes.
Denny’s transition into personal finance writing started when he joined forces with a government housing agency during the housing meltdown to educate consumers about how to avoid foreclosure. He began to expand that writing into the personal finance space on a freelance basis and has since been featured in the New York Post, MarketWatch, Debt.com, Cheddar and regional radio stations as he continues to advocate for and help educate consumers to make lending decisions that will help them achieve their financial goals.
When he’s not working, he’s spending time with his family where he might be out by the barn walking his dogs, Elvis and Emmy. If you’re in Nashville, you might catch him playing in a songwriting round, and might even hear one of his songs in an upcoming Hallmark movie.
Every loan decision you make can have a ripple effect on your future financial condition. I saw that firsthand when I processed mortgage loans early in my mortgage career. One wrong decision often meant the difference between approval and denial. Throughout my career, I found the “wrong” financial decision is usually more of an “I didn’t know” decision, and my goal is to provide consumers with the depth of knowledge they need to make informed borrowing choices.
‘Tis the season for holiday spending, and you can expect to be inundated with discount offers for opening a credit line when you shop. The warm fuzzy sound of Christmas music and twinkling lights may [...]
Personal loan interest rates today are unusually high, thanks to market forces.
Personal loans are a quick source of cash, but be careful how you use them.
To get a $100,000 personal loan, you will need to meet the requirements and find a lender with that high of loan options.
Calculate your interest payments and determine how much interest you’ll pay overall.
Don’t fall for personal loan misconceptions.
Don’t fall for personal loan misconceptions.
Online cash advances may come with APRs in the triple digits.