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While a low income can make it difficult to qualify for a personal loan, you may still have options. Some lenders offer low-income loans to borrowers who can meet their other requirements, usually related to credit and debt-to-income (DTI) ratio. Online lenders and credit unions may be especially flexible when it comes to income requirements, so it’s worth shopping around to explore your loan options. Whether you’re looking for a loan to consolidate debt, cover an emergency expense, or any other purpose, a low income doesn't have to stand in your way. What Are Low-Income Loans? Low-income loans are personal loans that are available to borrowers with lower-than-average incomes. There’s no specific threshold for what constitutes a low income, since each lender sets its own rules. LendingPoint , for example, requires a minimum annual income of $35,000. Upstart , on the other hand, has a much lower requirement of $12,000 per year. Certain other lenders have no … [Read more...] about How to Get Low-Income Loans: Everything You Need to Know

Share to Twitter Share to Linkedin The Biden administration’s student loan forgiveness and debt relief initiatives continue to evolve. Timelines, deadlines, and key dates have been in flux , and it can be challenging for borrowers to keep track. Here’s where things stand. Supreme Court’s Student Loan Forgiveness Ruling Biden unveiled his unprecedented mass student loan forgiveness initiative last year. The plan would provide up to $20,000 in one-time student debt relief for up to 40 million borrowers. The Education Department estimates that over 26 million borrowers applied for relief under the plan, and over 16 million were approved . But before anyone could receive relief, federal courts blocked the program last fall in response to multiple lawsuits. The Biden administration appealed two adverse court decisions to the U.S. Supreme Court, which held a hearing last month . Top Biden officials, including the President himself, have expressed … [Read more...] about 4 Critical Student Loan Forgiveness Dates Borrowers Should Know About

Share to Twitter Share to Linkedin Congressional Republicans have announced plans to try to repeal President Joe Biden’s broad student loan forgiveness initiative, without waiting for the Supreme Court to issue a ruling on two legal challenges seeking to strike the program. But their efforts may be a long shot. Here’s what borrowers should know. Biden’s Student Loan Forgiveness Plan Is In The Hands Of The Supreme Court Biden first announced his sweeping student loan forgiveness plan last year. Under the initiative, the Education Department estimates that up to 40 million borrowers could receive either $10,000 or $20,000 in federal student debt relief, depending on whether or not they received a Pell Grant for their education and earned income below the program limits. Over 26 million borrowers applied for student loan forgiveness, and over 16 million were approved , before federal courts blocked the program last fall in response to legal … [Read more...] about Republicans Will Try To Repeal Biden’s Student Loan Forgiveness Plan Before Supreme Court Rules

Refinancing a car loan can lower your interest rate and monthly payment, adjust your repayment term, and even tap some of the equity you have in your vehicle. Here's what you need to know about how to refinance a car loan, some of the benefits you may enjoy, things to consider before you apply, and whether or not it's a good financial move for you. Already got the basics? See our picks for the best auto refinance loans to see if you can lower your rate and pay less money overall. Steps to Refinance Your Car Loan Knowing how and when to refinance a car loan is crucial. With these steps, you can gauge your eligibility and maximize your chances of getting the best offer available to you. 1. Review Your Current Car Loan Log in to your online account with your auto lender and gather some details about your current loan, including the following: Remaining balance Interest rate Remaining number of payments Monthly payment amount These details make it … [Read more...] about How to Refinance a Car Loan

A personal loan can come in handy when an unexpected expense pops up, but lenders typically look for borrowers with good credit and steady incomes. If you aren’t working, were recently laid off, or recently started working for yourself, finding a personal loan with no income verification can be difficult. There are loan options that don’t require proof of income, but they can be risky and expensive. Before taking out no-income loans, exhaust your alternative financing options. What Are Personal Loans With No Income Verification? A traditional personal loan is unsecured , meaning it’s not backed by collateral. Instead, the lender decides whether to approve you for a loan based on your income and creditworthiness. If you don’t meet lenders’ credit or income requirements, you won’t qualify for a loan. However, there are some lenders that offer loans without requiring income verification. These loans tend to fall into three main categories: loans for excellent credit, secured … [Read more...] about How to Get Personal Loans With No Income Verification

Share to Twitter Share to Linkedin Dave Godsman is CEO of Foro , a platform that empowers mid-size companies to gain access to capital by connecting with the right lenders. On average, roughly 80% of all small business loans are declined. When considering loans for minority-owned and underserved businesses or those exceeding $1 million, that rejection figure climbs even higher. As we continue to face economic uncertainty and high interest rates, financial institutions have tightened their credit boxes further, making it even more challenging for businesses to access the capital they need to grow. However, I believe the leaders and founders of these businesses work too hard and have made too many sacrifices to “wait it out” for the right lending partner, or to settle for one that isn’t the right fit for their business. Seizing growth opportunities the moment they arise is critical to the long-term success of any business, regardless of the state … [Read more...] about Five Tips For Securing A Commercial Loan In An Uncertain Economy

MANILA  -The Anti-Red Tape Authority (Arta) rejected the request of social media-based payments LYKA Philippines Solutions Inc. to be granted automatic approval for company registration with the Securities and Exchange Commission (SEC). The SEC said in a statement that LYKA had failed to submit complete documentary requirements and was also under investigation for alleged money laundering. “Considering the foregoing, the requirements laid down under Section 10 of RA (Republic Act) 9485, as amended, and its Implementing Rules and Regulations for Automatic Approval have not been met. Thus, Automatic Approval is not warranted in the instant application for registration of company submitted by LYKA with the SEC,” said the SEC, which cited the Arta notice of denial last March 6. Under investigation According to the corporate regulator, LYKA president Michael Bryant Lim sought Arta’s help to be granted automatic registration after citing delays on the part of the SEC. “The Arta, … [Read more...] about Lyka plea for automatic registration approval rejected

Share to Twitter Share to Linkedin Founder at M16 Marketing and a Forbes Agency Council member, Don is a leading marketing technologist on a mission to create success stories. What tools do you use for SEO? While you've probably heard of commercial SEO tools like Semrush, you may not be familiar with the Google site search operator, a versatile SEO tool that you can use to perform a variety of SEO tasks. What Is The Site Search Operator? Google supports over a dozen search operators . A search operator is simply a feature of Google's search engine that changes the way in which it returns organic listings. The site search operator—the main search operator we'll be focusing on for this article—is designed to return organic listings from a particular website or URL. To perform a search using the site search operator, enter "site:" into the Google search bar and then a website or URL (for example, "site:example.com" or … [Read more...] about How To Use The Google Site Search Operator To Perform SEO Tasks

Share to Twitter Share to Linkedin The big question going into this week’s Federal Open Market Committee (FOMC) meeting was whether Fed Chair Jerome Powell would announce a continuation of interest rate increases. As we saw, the answer was yes. In announcing a 0.25% interest rate hike on Wednesday, Powell pointed at growth in spending and production, job gains, a continuously low unemployment rate, and elevated inflation as factors in the decision. The Fed chair said that recent developments, such as the SVB collapse, are likely to result in tighter credit conditions for both households and businesses. Nonetheless, the Committee remains highly attentive to inflation and continues to aim for an inflation rate of 2% in the long term. In support of these goals, the FOMC decided to raise the target range for the federal funds rate to 4-3/4 to 5%. Powell said that if left unaddressed, isolated incidents can undermine confidence in healthy banks and … [Read more...] about Rising Interest Rates Lead To A Small Business Credit Crunch

Share to Twitter Share to Linkedin When founders scrambled to make payroll after the closure of SVB, some VC firms promised to help—but only a few actually wired money. Last Friday afternoon, OpenAI CEO Sam Altman issued a challenge to Silicon Valley’s venture capitalists: Put your money where your mouth is. “Investors who ask ‘how can I be helpful’: today is a good day to offer emergency cash to your startups that need it for payroll or whatever,” Altman tweeted . “No docs, no terms, just send money.” In the wake of Silicon Valley Bank’s abrupt closure that morning , Altman’s message struck at the big question for tech entrepreneurs and investors alike: With deposits at SVB frozen, how would they pay employees the following week? Over that frantic weekend, venture capital firms scrambled to respond to the crisis. Some found creative ways to ensure their founders would have access to cash on Monday, at times offering up their partners’ personal … [Read more...] about Startups Asked For Help Making Payroll After SVB. VC Responses Were Mixed