Category: Auto

by Julia Guardione

Understanding Cosigned vs. Joint Loans

Getting a loan is a big deal, but getting one with – or with the help of – another person is a bigger deal. Why? Because it makes all parties responsible for paying off the loan – it requires trust, trust, and more trust. Whether it’s a desire for independence or a lack of trust […]

by Julia Guardione

From the Desk of Roger Douville

Refinance loans a viable option for loan growth Growing and sustaining a consumer loan portfolio is a daunting task. I speak with the heads of many lending departments across the country about loan growth and how to get it. So many lenders turn to indirect in their haste to satisfy their appetite for loans. There’s […]

by Julia Guardione

From the Desk of Roger Douville: July 2017

From the Desk of Roger Douville, Back end products are an increasingly sensitive compliance issue for all lenders today. The CFPB is cracking down on who can sell what and where they can sell it. But these products do add value for the member. With the rising cost of vehicles and the skyrocketing cost of […]

by Jonathan Olsen

5 Things You Should Know About Credit

Your credit report and your credit score are not the same While your credit score is calculated by the information on your credit report, these two things are different. Your credit report is made up of all inquiries, account history, debt accounts, public records, and much more information. The score may determine the interest rate […]

by Jonathan Olsen

The Dark Truth About Payday Loans

Payday loans, also known as cash advance loans or check advance loans, are loans that are given based on proof of income, some personal information, and government issued identification. These loans generally are targeted towards low-income earners who may not qualify for a loan from a bank or credit union due to poor credit history. […]

by Julia Guardione

Credit Unions and Auto Loans

3 reasons why you should get an auto loan at a credit union Better rates: should because they don’t pay taxes. Better auto loan rates, personal loans, and credit cards. As a member, you’re an owner. You have voting share. Because you’re a member and an owner of the organization, they will look deeper/harder to […]

by Julia Guardione

Can money buy love and happiness?

Money is everything, but it’s also not everything. We know, “that’s a little confusing”, but hear us out. We love and need money. Whether we like it or not, our world revolves around it, both on a planetary and individual level. Though money both prompts and funds most of our life choices, there are also non-economic […]

by Jonathan Olsen

4 Tips to Live Within Your Means

Know the difference between wants and needs Knowing when you should spend money and when you should save can be tricky. Check in with yourself before making a purchase over $40. Ask yourself if you can live without it. If the answer is yes, then it is likely not something you need. Additionally, trying to […]

by Jonathan Olsen

How Secured Loans Help Build Credit

A secured loan is money that you borrow from a financial institution that is secured against an asset that you own or money that you place on hold. These loans are great for people who want to build or repair their credit because they do not require credit history and they have lower interest rates. […]

by Jonathan Olsen

5 Reasons To Start Planning Your Retirement Now

Many people ask when they should start saving for retirement, and the simple answer is: When you get a job. It is absolutely never too early to start putting away a little at a time. Whenever you start saving, be sure to avoid withdrawals unless absolutely necessary. You can choose to self-fund your retirement or you […]

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