Lending

Most people borrow money at some point. Whether you need a personal loan, mortgage, or credit card, it's best to learn the basics of borrowing before you turn in an application. Learn tips and strategies that could help you build and keep a good credit score, and much more with the resources below.

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Why Can Paying Off Debt Lower My Credit Score?

Paying off debt can lower your credit score at first, but scores usually rebound from a debt payoff in a month or two. Read more on how your credit utilization ratio, credit history and overall credit mix can affect credit score changes.
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Credit Do’s And Don’ts When Buying A Home

Buying a home can be financially stressful. In this article, we explain how your credit score can impact the process and what you should or shouldn’t do in order to protect your credit score before purchasing.
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How Late and Partial Payments Affect Your Credit Score

Depending on the lender, they're treated differently.
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How to Build Credit

Be smart about building your credit.
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Credit Score and Interest Rates

Better credit equals better interest rates. Here's how a low credit score can cost you.
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What Affects Your Credit Score

What you don’t know about your credit score can hurt you. Separate the facts from the fiction on what affects your credit.
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Who Can See Your Credit Report?

The answer may surprise you.
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What Credit Score Do You Need for a Personal Loan?

No surprise, the higher, the better.
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It’s a Recession! Who Cares About Credit Scores

Your future you cares -- a good credit score could save you money.
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5 Tips to Manage Your Debt in a Recession

If you’re carrying debt, a recession may make it harder to manage and pay it off for good.
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Making Loan Payments When Times Get Tough

Ways to approach monthly payments during a financial crisis.
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Does Buy Now Pay Later Affect Your Credit Score?

The short answer: Maybe.
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FICO and The 800 Credit Score: What's it Worth?

Learn how to get and keep an 800 credit score
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How to Improve Your Credit Score

Learn about four steps you can take to improve your credit score.
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Why Did My Credit Score Drop?

Find potential reasons to this common question here.
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What Is the Highest Credit Score?

Is it actually possible to reach?
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What Is the Average Credit Score?

Learn about the factors that affect the average credit score and other credit score fundamentals.
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What Is Credit Monitoring and How Does It Work?

Keeping a watchful eye over your credit reports.
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What Is an Excellent Credit Score?

It may be within your reach.
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What Is a Good Credit Score?

Your credit score can affect you in many ways.
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What Is a Good Credit Score to Buy a Car?

Your score may determine your interest rate.
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What Is a Credit Freeze? 5 Things to Know

A credit freeze restricts access to your credit reports. Here are 5 things to know before putting in a request.
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What Credit Score Is Needed to Buy a House?

Learn more about how your credit score affects your mortgage approvals and interest rates.
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How to Repair Credit

Here are some steps you can take to help repair your credit score.
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Interest Rate Definition

Learn their importance and how they’re calculated.
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What Does APR Really Mean?

APR is not just about the interest rate.
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New to the U.S.? Here’s How to Establish Credit

We highlight the most important things to consider when establishing credit when new to the U.S.
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How Hard and Soft Inquiries Work

We break down the difference between hard and soft credit inquiries.
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The Benefits of Living Debt-Free

Less stress and more funds to invest are just a couple of them.
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Credit Score Guide

Learn the basics of how credit scores work.
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Spending Less and Noticed That Your Credit Score Dropped? Here are Some Reasons Why

Trying to spend less could lead to a credit score drop, but don’t panic.
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Balance Transfer vs. Personal Loan

Know the difference and what could work for you.
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Debt consolidation - pros and cons you need to know

A big picture look at consolidating debt.
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How to Get Out of Debt

Steps for getting and staying out of debt.
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What Is Debt Consolidation?

How to begin getting your finances in order. Learn about debt consolidation loans and how they could help you get out of debt.
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How to Consolidate Debt

Ways to manage, reduce and combine your debt.
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How To Consolidate Credit Card Debt

Simplify your credit card debt with these options.
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Secured vs. Unsecured Loans

Read about the important differences between the two.
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How to Apply for a Personal Loan in 5 Steps

Here’s what you need to know before applying for a personal loan.
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Personal Loan Fees Can Add Up – Here Are Five To Consider Before Signing

Learn more about five types of personal finance fees to consider before signing your loan documents.
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5 Things to Consider Before Refinancing Your Personal Loan

APR should only be one factor.
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You’ve Paid Off Your Loan! Now What?

It might be time to turn those good habits to saving.
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Revolving and Installment Debt

What's the difference?
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How To Get a Loan

Learn about what to consider and how to apply.
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Save Money First or Pay Off Debt?

Not all debt is equal. Here’s how you might approach it.
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What Are Origination Fees?

How they impact your loan.
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How Do Loans Work: Things to Know

Learn about the different types of loans and their uses.
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Loan Terms Every Borrower Should Know

What to review before signing an agreement.
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Marcus Loan Payments 101

Paying your Marcus Loan may seem simple, but questions come up, we’ll unpack the details for you.
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Pros and Cons of Personal Loans

A look at the upsides and downsides of personal loans.
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Home Equity Loans vs. Personal Loans

Learn the pros and cons of both and what may be best for you.
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Personal Loans vs. Credit Cards

Which is better? Compare the pros and cons.
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Three Benefits of Debt Consolidation

There are many advantages to consolidating debt. Here are just a few.
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What Is a Debt-to-Income Ratio?

It’s an important number – right up there with your credit score.
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The Marcus On-Time Payment Reward

Get rewarded for paying on time.
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Common Causes of Debt

How it all adds up.
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How to Make a Marcus Personal Loan Payment

See how to make a payment online or on the app.
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Why We Ask for Income on a Loan Application

You may not fully understand why we ask for your total annual income when applying for a loan.
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How to Change Your Payment Due Date

This feature is designed to make repayment on your Marcus Personal Loan as easy as possible.
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Automatic Loan Payments: Benefits of AutoPay

Automatic payments may have more benefits than you think.
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How To Read Your Monthly Loan Statement

And key information that is important to track.
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How to Update Your Account Information

And why it is important.
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Credit Report vs. Credit Score: What’s the Difference?

They may sound similar, but they’re not the same thing.
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What is Lifestyle Inflation?

Learn how to control increased spending when your income rises.
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Credit Card Debt and Your Happiness

Taking control of your credit card debt can lead to happiness.
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How to Make a Debt Payment Plan

Say goodbye to debt faster.
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Credit Card Debt - the Unexpected Expenses Americans Worry About

See what expenses Americans worry will cause unexpected credit card debt.
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Debt Settlement Pros and Cons

How it works and the risks you should be aware of.
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Moving Tips: How to Make Moving Less Stressful and More Budget-Friendly

Moving stress affects your emotions and your wallet. Our writer shows you how to cut costs while keeping your sanity.
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Money and Marriage: Stories About Being Married With Separate Finances or Combined Finances

Relationships can be tricky, learn how three couples navigated their finances.
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Is Social Media Keeping You in Debt?

How social media impacts our spending choices.
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What Is a Loan?

Read on for a simple definition of a loan and how to use them.
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Line of Credit vs. Personal Loan

Learn the differences and choose the best one for you.
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How to Refinance a Personal Loan

It can be a way to get more favorable loan terms.
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Before You Borrow

Know the facts about borrowing money.
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Why You Should Think Twice Before Borrowing Against Your 401(k)

You may be able to borrow against your 401(k), but doing so comes with many risks.
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Tips For Maintaining a Good Credit Score During a Recession

A few habits that could help keep your score up.
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How to Rebuild Credit

Actions one person took to climb out of debt and improve their credit.
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