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.
What Are Personal Loan Origination Fees? (Everything You Need To Know)
Posted on Apr 09, 2024 by Aaron Sarentino
Origination fees play an important role in financing the lending process and can be a factor in what borrowers use to compare personal loans. When you’re in need of financial assistance, whether it’s for consolidating debt, covering unexpected expenses, or pursuing a dream project, securing a personal loan can be...
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What Is The Difference Between A Soft And Hard Credit Inquiry?
Posted on Apr 02, 2024 by Melissa Cook
Soft inquiries are credit inquiries that do not affect your credit score but are recorded on your credit report while hard inquiries can affect your credit score. When it comes to assessing your credit, the terms “soft inquiry” and “hard inquiry” frequently arise, sparking inquiries about their implications on credit...
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What Is Collateral? A Comprehensive Guide
Posted on Mar 20, 2024 by Minh Tong
Using collateral could improve your chances of loan approval, but one should also be aware of the risks involved. In the realm of lending, the concept of “collateral” often emerges as a pivotal factor, influencing loan approval processes and terms. Whether you’re applying for a mortgage, car loan, or even...
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Home Equity Loan vs. Personal Loan: Which Is Better?
Posted on Mar 12, 2024 by Aaron Sarentino
Whether it’s for a significant purchase, debt consolidation, or an unforeseen expense, researching your loan options can save you a lot of money. Among the variety of loan choices available for individuals looking to borrow a significant amount of money, two options stand out: the home equity loan, catering to...
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How To Improve Your Credit Score To Get A Personal Loan
Posted on Mar 06, 2024 by Melissa Cook
Building credit to qualify for a loan can be challenging for some, but there are steps you can take to improve your credit score. In the complex game of credit scoring, finding yourself with a less-than-ideal number (say, below 670) can feel like you’re wearing a sign that signals to...
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What Happens When You Default On A Loan? (What You Need To Know)
Posted on Feb 29, 2024 by Minh Tong
Not paying on a loan can result in loan default, bringing with it long-lasting negative financial consequences. When you enter into a loan agreement, you do so with the sincere intention of fulfilling your financial obligations. However, life can be unpredictable, and unforeseen circumstances may arise, making it challenging to...
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Personal Loan vs. Credit Cards: Choosing The Right Financial Tool For Your Needs
Posted on Feb 21, 2024 by Aaron Sarentino
In today’s world, managing your finances often involves navigating through various borrowing options. Whether it’s covering an unexpected expense or consolidating debt, understanding the differences between personal loans and credit cards is essential for making informed financial decisions. Below, we’ll explore the nuances of personal loans versus credit cards, highlighting...
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How To Refinance A Personal Loan (A Simple Guide)
Posted on Feb 14, 2024 by Melissa Cook
Refinancing a personal loan under the right circumstances can save you time and money, and help you pay off your debt faster. Refinancing a personal loan can be a savvy financial move under the right circumstances, offering potential savings and enhanced repayment terms. By securing a new loan with improved...
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Simple Interest: What It Is, How It Works, And How To Calculate It
Posted on Feb 07, 2024 by Minh Tong
Whether you’re seeking a loan for yourself or extending a loan to a friend, comprehending simple interest can empower you to make informed financial decisions. If you’ve ever borrowed money or considered taking out a loan, you’ve likely come across the term “interest.” Understanding how interest functions begins with grasping...
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