Bad Credit Personal Loans
Loans for those with less than perfect credit
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Review of the the Lady of Personal Finance's Prepaid Card

Military Discounts and Benefits for Checking

TIP: Do we really need to pay extra for credit and job loss insurance?

Money Worries

Is your Money Safe? The crisis at a hometown bank near you and how much money you should keep in a single FDIC-backed account.  Know which type of fund or secure depository is right for you.

Are you worried about interest rate increases and your mortgage rate?

Loans to pay off Taxes

Yes it is the beginning of the year and it is once again time to pay off your federal income taxes. We can help you with that personal loan to pay off your income tax. Also, remember to save on next year's taxes by refinancing or buying a new home and writing off the interest from your closing or settlement statement. Prepaid interest, discount points, and origination fees, are just some of the deductions. more on tax time tips>>

Online Banking Grows at Bullish rate

Almost half of all U.S. adult Internet users now manage their bank accounts online, making banking the fastest-growing online activity, according to a recent survey released from the Pew Internet and American Life Project. The survey says that Forty-four percent of U.S. Internet users bank online, up from 30 percent two years ago. APP's on iPhone and iPad devices are growing so fast that some of the banks can't keep up but some are offering at home banking.

Add us to your social network and read our online guide to starting a Kids Savings Account.


Financial Freedom should be your goal this season.

  • Bad Credit Basics: Why is credit score so important? How is it calculated? If your score is low, what can you do about it?
  • Bad Credit Cards: For individuals with poor credit, there are several trustable credit card issuers who can give you a line of credit and help improve your score.
  • Personal Loans: Help you build your financial future while providing money for your family.
  • How to Get Out of Debt? Follow these three simple steps to managing your money and become debt free.
  • Is Refinancing Right For You? This article will help you consider all the angles when making your decision.
  • Home Loans From Start To Finish: Buying a home is the biggest purchase you'll ever make in your life. It's important that you know what to expect from the moment you apply for your loan through settlement.
  • Beware of these credit scams: Tell everybody in your family and all of your co-workers if you get scammed online or from a lender in person. Before this happens to you read our take on the scams to avoid.
  • The Banklady Credit Library
  • NEW! Find out how to avoid high Checking fees by using some of our suggested alternatives.

Debt Consolidation Loans: Pay Off Bills and Credit Card Debt

Prevent yourself from having to resort to a high interest cash advance. Payday loans should only be sought after if you have weighed your options and feel you cannot get other short term personal loans. If you need up to $1,500 overnight in your bank account, or if you own a home and want to cash in on some of the equity, our top rated lenders can provide you with financial assistance – even if you have bad credit.

Are you drowning in deep shark water when it comes to the amount of debt you owe? Our programs allow consumers to seek debt assistance for unsecured lines of credit such as credit cards, utility bills, hospital and medical bills.

Debt Consolidation Loans: Pay Off Bills and Credit Card Debt

Debt management, non-profit credit counseling services, settlement, and credit card consolidation are just a few of the services you'll find offered here. Learn how you can reduce your financial stress with a free debt analysis of how debt reduction can help you. Free debt consolidation services can free you from high interest debt, harassing phone calls, and a poor credit rating.

Tap Into The Equity In Your Home, Or Refinance Your Mortgage

Home equity loans can provide you with extra cash for a new computer, RV, a family vacation, or home improvements, at a lower interest rate. Our home loans are flexible; you can choose a 10, 15, or 30-year term loan, whether you're buying a new home, a vacation property, a townhouse, a mobile home, or that dream home you've always wanted.

Rebuild Your Credit With Secured and Unsecured credit card

Credit cards are abused so much that banks now offer secured credit cards to help prevent credit problems. With a secured credit card, also called a prepaid card, you "load" your card with a prepaid amount of money. Secured credit cards can be a good first step to building or establishing your credit. From there, you can proceed to a guaranteed unsecured Visa or MasterCard. Banklady's list of lenders who offer credit cards to those with bad credit include similar to those you may find with Capital One. These special lenders offer instant unsecured credit card approval and no security deposit.

TIP: Use a direct deposit card if you're having trouble opening up a bank account.

Need to Repair Your Credit?

We offer many ways to help you repair your credit. We can help you to obtain a credit card, apply for a small loan, and undergo debt consolidation. Alternatively, you may choose to use a credit repair agency to help get the bad marks off your credit. This may involve something as simple as a letter, or may require more complicated legal action. A credit repair service may help clear up your credit report, resulting in a higher credit score for you. If you are worried about using a credit card to obtain a credit report you can use services such as this one to avoid that hassle.

Your Source for Bad Credit Problems

Granting personal loans for people with bad credit strikes many as a risky practice for lenders. After all, a person with bad credit most likely has a history of late or missed payments. But most bad credit personal loans are actually far more risky for the borrower. That's because such loans usually require collateral in the form of a home, and come with extremely high interest rates and high monthly payments. If the borrower defaults on the loan, the lender can sell the house to make up for the loss. If a person's bad credit is directly related to lower income, making steep loan payments on time can be tremendously difficult. With a house on the line, getting too far behind on the loan can come at a very high cost.

Find lenders who approve personal loans for people with bad credit. Not every lender will grant loans to people with bad credit. In fact, most banks, credit unions, and mortgage services will not even consider applications unless the individual has above average credit. However, there is hope. Some direct lending services do approve people with bad credit for high interest, personal loans.

What do people use these bad credit loans for? Most bad credit loan services serve people who want to purchase or refinance a house. Some bad credit lenders offer new and used car loans as well. At the very least, a person with bad credit can receive a personal paycheck advance loan. Leveraged correctly, this money can help a person to turn his or her financial status around. It is extremely important that people who seek out bad credit loans take plenty of time to research all the options and find out exactly what they will need to do to maintain timely payments.

How can I save money on high fuel prices?

Gas prices are now higher than ever. These tips will help you stretch your money at the pump. A gas rebate credit card is your best defense in paying cheaper gas prices. Here are a few gas credit cards to help you save money:

Discover Gas Card with a $150 Sign-up gift certificate are just one example of the choices offered to help consumers with the $4 gas prices. Fuel prices can also be beat by better spending habits and using coupons.

What is a Home Equity Line of Credit?

A home equity line of credit, also referred to as a HELOC, is a loan where you borrow against the worth of your home, which is used as collateral. You can use the cash for any purpose you choose, such as paying off high interest debt, home improvements, vacations, or emergencies. Interest rates and loan costs are typically lower than that of a cash advance loan, and will even improve your credit rating once it's fully paid off. In most cases, home equity lines of credit are also tax deductible. Find out more here about HELOC loans.

Did you know that credit bureaus can only report bad credit information for up to seven years with some exceptions? Bankruptcy information can be reported for ten years and anything reported in response to an application for a $75,000 salary job or more has no time limit.

If you are concerned about bad credit information on your record, you may need legal help. You may also want to consider credit counseling services to get your FICO score higher and qualify for a loan at a lower fixed rate.