Loan Resources
Since 2018, Credit9 has provided over $185 million in personal loans to over 14,000 of our customers, and we’re confident we can help you too. With a Credit9 Loan, you can eliminate credit card debt and enjoy a single, fixed, and affordable monthly payment.
In the sections below, you’ll discover many helpful articles about how to use a debt consolidation loan to pay off your credit cards, manage debt, and improve your credit score along with other financial topics that may be of interest to you.
Do Student Loans Affect Your Credit Score? (The Answer Is Not So Clear-Cut)
Posted on Jun 25, 2024 by Melissa Cook
Finding out if student loans affect your credit score is a common concern among students and recent graduates. With so many conflicting opinions and misinformation, it can be difficult to determine the truth. Knowing the facts about how student loans impact your credit score is crucial in order to make...
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Does Filing For Unemployment Affect Your Credit Score? (What You Should Know)
Posted on Jun 19, 2024 by Melissa Cook
Filing for unemployment does not directly affect your credit score, but it can indirectly impact it in certain ways. Credit scores play a vital role in our financial lives. They determine the interest rates on loans, credit cards, and even insurance premiums. It’s common knowledge that late payments and high...
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How Long Does Negative Information Stay On Your Credit Report?
Posted on Jun 12, 2024 by Aaron Sarentino
Negative information on your credit report can last for years, but fortunately, there are statutes of limitations for such occurrences. When it comes to negative information related to individual accounts, a credit report’s memory may last anywhere from two to 10 years. Understanding how long negative information stays on your...
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Understanding Personal Loan Terms: A Comprehensive Guide
Posted on Jun 04, 2024 by Melissa Cook
When considering your borrowing options, it’s crucial to understand the terminology associated with loan terms. If you’re ready to apply for a personal loan, there are several relevant words and phrases you’ll want to understand first. Educating yourself about personal loan terms empowers you to make informed decisions, ensuring you...
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What Is A Loan Maturity Date? (What Borrowers Need To Know)
Posted on May 29, 2024 by Minh Tong
When you’re borrowing money, understanding the concept of a loan maturity date is crucial. A loan maturity date marks the endpoint of a financial product’s term, indicating when the principal amount, along with any accrued interest, must be repaid in full. This date is specified in the loan agreement or...
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Do You Have To Pay Taxes On A Personal Loan?
Posted on May 13, 2024 by Aaron Sarentino
Personal loans generally aren’t taxable, but there is one instance where they could be you should know about. As you consider taking out a personal loan, understanding the potential tax implications is essential for managing your finances effectively. While personal loans typically aren’t taxable income, there are exceptions and considerations...
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Why Is My Credit Score Different On Different Sites?
Posted on May 01, 2024 by Melissa Cook
There are a few reasons the credit scores you see when you check on your own may vary from what a lender sees when evaluating you for a credit account. When it comes to the representation of your financial health and lendability, few things are as crucial as your credit...
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How To Get A Loan – Even If You’ve Been Denied In The Past!
Posted on Apr 29, 2024 by Minh Tong
Experiencing repeated rejections when applying for a loan can be frustrating and disheartening, but there is hope. If you have been denied access to a personal loan in the past, it’s crucial to recognize that you’re not alone in this situation, and there are actionable steps you can take to...
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What Is Loan Amortization And How Does It Work?
Posted on Apr 19, 2024 by Melissa Cook
When amortization is used in connection with a loan, it refers to the process of repaying the amount borrowed in fixed installments. In the vast and often bewildering world of finance, terms like “loan amortization” can feel like stumbling upon a cryptic mathematical code. But what does it mean and...
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