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EarnIn can help you tide things over until your next paycheck by providing cash advances of up to $750, without fees.
Your debt doesn't have to be tied to guilt — there are ways to ease it and empower yourself by being strategic about what and when you borrow.
— Rhys Subitch
Rhys Subitch is a Bankrate editor who leads an editorial team dedicated to developing educational content about loans products for every part of life. Rhys has edited articles, reviews and guides covering a broad range of topics in the consumer loans space, from debt consolidation to buying a car. Their experience spans student loans, auto loans and personal loans, and they have developed a passion for helping readers take control of their finances.
While Rhys has worked with credit cards and insurance in the past, they settled into loans content, where they have developed their expertise. In the past nine years, Rhys has researched, edited and written for several independent publications, startups, a university and a Fortune 500 company. Seven of those nine years have been devoted to personal and business finance content.
When Rhys isn't working, they enjoy spending time editing their husband's art, reading and watching hockey. They currently reside in Tacoma, Washington.
My first auto loan was from a used car dealership. I didn't fully understand the lending process when I walked in, and because of that I got stuck with a term that was way longer than I wanted to be paying off my starter car. My second time around I did my research, got an excellent rate and a medium term, and I’ve paid off my car well before I want to trade it in.
Your debt doesn't have to be tied to guilt — there are ways to ease it and empower yourself by being strategic about what and when you borrow.
— Rhys Subitch
EarnIn can help you tide things over until your next paycheck by providing cash advances of up to $750, without fees.
Universal Credit personal loans are best for borrowers who are wanting to streamline the debt consolidation process.
Possible Finance is best for borrowers who have little credit history but are financially stable to ensure timely payments.
LendingClub’s unsecured personal loans offer $1,000 to $40,000 with relatively affordable APRs. It charges origination fees and requires fair credit.
Car leasing can make financial sense, but not if you overlook these details.
If you have bad credit and need to borrow money, don’t get a no-credit-check loan.
Not all bad credit lenders are alike, so potential borrowers should choose carefully.
Before choosing a credit repair company, research its reputation, products and fees.