Images by Getty Images; Illustration by Issiah Davis/Bankrate Key takeaways Unsecured loans aren’t backed by collateral, making them a higher risk for lenders. Unsecured business loan rates vary, ranging from 7% to 75% APR. With good credit, you could secure a low interest rate on an unsecured loan — between…
Key takeaways You typically cannot return a car unless the dealership has a return policy. To avoid being in a position where you need to return the car, research the history of the vehicle and the dealership’s policies. If you cannot return the car, look into refinancing your auto loan,…
Wavebreakmedia/Getty Images Key takeaways An auto loan hardship program can help if you’re facing a financial emergency and need help with your car payments. Eligibility criteria, fees and program options vary by lender. If you don’t qualify for an auto loan hardship program, other forms of debt relief are out…
Key takeaways A 7/1 ARM is a type of adjustable-rate mortgage (ARM) that has a fixed interest rate for the first seven years, then a variable rate that changes yearly until the end of the mortgage term. The initial fixed rate on a 7/1 ARM is usually lower than the…
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Last year, on the day before Tax Day, my mom was scheduled to fly into Philadelphia International Airport to stay…
The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
With Republicans ending the Grad Plus program, private lenders are eyeing billions in new business, while some students could be…
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While adding a child to a deed may seem straightforward, the tax implications can be complex and long-lasting. Depending on how you structure the transfer, it may affect gift taxes, capital gains taxes, and future estate planning outcomes. State laws and ownership structures can also…
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Does a Consumer Proposal Affect My Credit Score? Yes, filing a consumer proposal will affect your credit score. Your score reflects your past…
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For fintech startups, the first five years of the decade have been a roller-coaster ride. At the outset, companies were awash in easy…
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While the process of adding a spouse to a deed can be relatively simple, there are some tax implications that make it more complicated. Depending on how you handle the property transfer, it can affect gift taxes, capital gains taxes, and estate planning outcomes later on. State laws and ownership…
Once you retire, the purpose of your investment portfolio often changes. Instead of concentrating primarily on growth, many retirees focus on generating reliable income to supplement Social Security, pensions or other sources of income. Choosing the right investments to add income after retiring can help support day-to-day expenses while managing…
Tax refunds are the biggest windfall of the year for many American households. And ‘tis the season: Through the week ending Feb. 13, nearly 13 million people had received 2025 federal tax refunds averaging $2,476, according to the IRS. That average refund amount is up 14% from the same time…
Key takeaways A personal loan is money you can borrow in a lump sum with a fixed payment to finance large purchases, consolidate debt or cover emergency expenses. Interest rates, monthly payments and repayment terms vary based on creditworthiness, income and other factors. You’ll get the best loan terms if…
Key takeaways Some personal lenders offer loans of up to $100,000, but $50,000 limits are more common. Your credit, income and current debt burden help the lender determine the loan amount you qualify for. Even if you qualify for a lender’s maximum amount, you should only borrow what you need…
Morsa Images/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Many first-time homebuyer programs operate at the state level, through a state housing finance agency. Others are federal, and some are offered through nonprofits or employers. To qualify for a first-time homebuyer program, you may need to live in a certain area…
In New York City, property taxes are back in the headlines. Mayor Zohran Mamdani has floated the idea of raising them—by 9.5%—as part of this year’s budget. Mamdani says it’s a last resort, claiming that if Albany won’t raise taxes on millionaires, the city may have to raise them on…
There is a moment in every activist situation when rhetoric shifts before the numbers do. That moment just occurred at Dine Brands. We have a meaningful holding in the company and have been pushing for accountability for shareholder value on several levels.For the first time in recent memory, management explicitly…
Key takeaways Refinancing your current mortgage typically requires a new appraisal of the home. The refinance appraisal helps the bank determine the home’s current value, so they can define the parameters of the loan they’re willing to extend. Appraisers will consider most of the same criteria they did in your…
Jose Luis Pelaez Inc/Getty Images Key takeaways Your billing address tells credit card issuers where to send important items and provide extra security when making purchases. Checking and changing your billing address is easy and, in most cases, can be done from your credit card online account or app.…
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