 TITLE: Information on Personal Loans - Auto Loans CONTENT: Information on Personal Loans, Small Business Loans, and Vehicle Loans\n----------------------------------------------------------------------\n###### Written by: Kristy Welsh\nOne of the main reasons for fixing your credit and increasing your credit score is so that you can be approved for a loan. It might be a loan for a car, a house, or an RV. Or maybe you want to borrow money so that you can start your own business. Whatever type of loan you might be after, it is imperative you have good credit so you are not only _approved_ for a loan, but also not subjected to an outrageous interest rate. \nTo get the best deal, shopping for a loan with the following in mind is key — fees, interest rates, terms and conditions, and contractual obligations. Whether you're looking for a personal loan or a small business loan, the following articles can help you find the right loan for you.\nPersonal Loans — Secured and Unsecured Loans\n--------------------------------------------\nUnsecured Personal Loans — As nice as it is to get a loan without having to put up any collateral, there are plenty of other things about unsecured personal loans that you need to concern yourself with. Get the facts about prepayment penalties, APR adjustments, loan insurance, and more.\nUsing Signature Loans As An Alternative to Credit Cards — Before you go charging up a bunch of new debt to your credit cards, find out whether a signature loan (also known as an unsecured loan) could get you a more affordable interest rate.\nSecured Credit Builder Loans — Think your credit it too bad to qualify for a personal loan? Then you don't know about secured credit builder loans. Find out how to find them and how to qualify.\nPeer-to-Peer Lending — Peer-to-peer lending is pretty much what it sounds like — individuals (investors) lending money to individuals (borrowers). Is this unconventional alternative for you?\nAdvantages to Using a Personal Loan — Do you have debt to pay off, a large expense to cover, or credit to build? Take a look at the advantages of using a personal loan.\nAvoid Being Denied a Personal Loan — While there is no guarantee of approval, there are plenty of things you can do to minimize the chances of being denied a personal loan. Make sure you know what they are.\nBorrow From an IRA or 401(k) With Caution — If you need money for a large, unexpected expense, you may be tempted to borrow from your IRA or 401k. Think twice about it. These options come with significant disadvantages that you need to know about first.\nTo Co-Sign or Not to Co-Sign, That is the Question — If a family member or a friend asks you to be a co-signer on a loan, use this co-signer's checklist to ask yourself five key questions before you commit to this credit-changing decision.\nVehicle Loans and Leases\n------------------------\nInformation on Auto Loans and Leases — Should you buy or lease a car? And either way, how do you get the best deal? This comprehensive collection of articles covers the basics of auto loans and auto leases, including what to do if your car is repossessed, how to extend an auto lease, and more.\nHow to Finance a Recreational Vehicle — Whether it's a lifelong dream or something more spontaneous, buying an RV is a huge financial decision that deserves in-depth consideration and research. This is a good place to start.\nThe Vicious and Costly Cycle of Title Loans — When you get into a tight financial spot, you have to make tough decisions. But these choices should not include a title loan. Get the facts about these costly loans that are never a good financial decision.\nSmall Business Loans\n--------------------\nSmall Business Loan FAQs — What is an SBA loan? How much can you borrow? What are the fees and interest rates? Get answers to these and other commonly-asked questions about small business loans.\nHow to Qualify for a Small Business Loan — Before applying for a loan through the Small Business Administration (SBA), find out what it takes to qualify. There's a long list of eligibility requirements, and an even longer list of things that could make your business _in_eligible.\nWhat is a Business and Industry Loan? — Is your business in a rural community? The USDA provides guarantees of up to 80 percent of a loan made by a commercial lender. Get the facts about the USDA Rural Development, Business & Cooperative Programs. END