Ryan Wangman
Business Insider
Chicago, IL, United States
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Past articles by Ryan:
What to do now that the student loan payment pause is extended — again
The Biden administration has extended student loan forbearance until August 31, 2022. Take advantage of that time to pay down debt without interest. → Read More
How to read your financial aid award letter and understand the true cost of your dream school
To determine how much a school will actually cost, you'll need to subtract your gift aid and aid that needs to be repaid from the cost of attendance. → Read More
Possible Finance installment loans review: Extremely high interest rates make it a poor option for most borrowers
Possible Finance personal loans have APRs ranging from 151% to 249%. They may be a useful alternative to payday loans. → Read More
Figure personal loans review: Money is available quickly, but the lender has a high minimum loan amount
You must borrow at least $5,000 with Figure, so it isn't a good option if you only need a bit of cash. You can get your money as soon as the next day. → Read More
Student loans can leave you burdened with debt for years. Here's how to avoid them.
Top tips include organizing schools based on financial fit, applying for different types of gift aid, and using a 529 plan for college expenses. → Read More
Navy Federal auto loans review: Excellent interest rates, but you must be a member to get a loan
Navy Federal auto loans start at very low rates for borrowers with excellent credit. There's no penalty for paying off your loan early. → Read More
Oportun personal loans review: Good option if you have a poor credit history, but you might pay a high rate
Oportun is a worthwhile option if you have a low credit score, or no credit history at all. It doesn't let you borrow as much as some lenders, though. → Read More
Axos Bank personal loans review: Low interest rates, but you need a 720 credit score to qualify
You'll have to borrow at least $5,000 to get a personal loan from Axos Bank, but your interest rate could be as low as 7.15%. → Read More
TD Bank personal loans review: Great rates and quick funding, but loans are limited to East Coast residents
TD Bank usually funds loans within one business day of approval, and its interest rates are similar to top competitors' rates. → Read More
PNC Bank auto loans review: Great rates if you buy from a dealer, but limited options for older models
With PNC Bank, you may qualify for auto loan rates as low as 2.14%. However, you're only able to buy a car model 2014 or newer. → Read More
Navy Federal student loans review: Make payments while in school, then take on a 10-year repayment term
Navy Federal Credit Union sets its repayment term length at 10 years for undergraduate and graduate student loans, with fixed- or variable-rate loans. → Read More
American Express personal loans review: Starting rates are low, but only card members are eligible to apply
APRs on American Express personal loans start as low as 5.98%, but to get that rate, you'll need to have a top-notch credit score. → Read More
Citibank personal loans review: Loans with solid interest rates for existing Citi customers
Citibank personal loans aren't accessible to everyone. You need a Citi bank account for at least one year and a minimum income of $10,500 to qualify. → Read More
A payday loan can be much easier to get than a personal loan, but you'll probably pay a lot more for one
While payday loans usually don't require a credit check, they come with much higher interest rates than personal loans. → Read More
USAA personal loans review: A wide range of loan amounts, but membership requirements are restrictive
USAA allows borrowers to take out up to $100,000 with a personal loan. You need to be a member of the military community or family member to qualify. → Read More
The best private student loans of 2022
Earnest, Ascent, SoFi, College Ave, and more top our list of the best private student loans for low interest rates and flexible repayment options. → Read More
First Tech Federal Credit Union personal loans review: Loans as small as $500 and 24/7 customer service
First Tech has a wide range of loan amounts, from $500 to $50,000. You can apply online or by phone, and manage your loan from a mobile app. → Read More
Clearlane by Ally auto loans review: You can refinance or buy out your lease, but not buy a new or used car
Clearlane by Ally doesn't offer loans for purchasing new or used cars, and its APRs aren't as strong as its competitors' rates. → Read More
Lightstream auto loans review: Flexible loan terms and excellent rates for those with good credit
Lightstream is a flexible lender — there aren't restrictions on age or mileage of the car you take out a loan for. You won't pay fees, either. → Read More
MPower Financing student loans review: Good option for international students without a cosigner
MPower Financing allows international students to apply. You don't need a cosigner who is a US citizen, a condition many other lenders require. → Read More