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The Pros and Cons of Peer-to-Peer Loans for Entrepreneurs and Consumers
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If you’re thinking about getting a peer‑to‑peer loan, it’s probably a good idea for those of you who have high interest rate credit card debt.
But peer‑to‑peer loans offer far more benefits than just that. For entrepreneurs who need financing, P2P loans are also a ready source of cash. And most small business owners know that access to capital is critical for a company’s success.
Here are five of the positive things that go along with getting a peer‑to‑peer loan. At the end of this article, I’ll also share my thoughts about four drawbacks of P2P loans.
But let’s start with the good stuff.
Continue reading “The Pros and Cons of Peer-to-Peer Loans for Entrepreneurs and Consumers” »
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3 Ways a Peer-to-Peer Loan is Better for Your Credit Score Than Credit Card Debt
With millions of Americans owing so much money on their credit card balances, it’s no wonder that a lot of them are looking at peer-to-peer loans as a way to pay down debt more quickly and have a lower interest rate. Getting credit or loans more cheaply is obviously a good thing for those who need to borrow.
But one of the overlooked aspects of peer-to-peer loans is how much better they are for your credit score compared to carrying credit card debt.
Here are three ways a peer-to-peer loan is better – way better – for your credit score than is credit card debt.
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Can I Refinance My Husband’s Mortgage By Putting My Name on the Deed? I Have Good Credit.
A reader of AskTheMoneyCoach.com wanted to know whether or not they could do a certain maneuver in order to refinance a home mortgage. Here’s the person’s question:
Q: Is it possible to temporarily transfer the title to my husband’s home into my name? This way, we could refinance with my credit scores.
A: Unfortunately, what I think you’re trying to do is likely not possible at all for several reasons. First of all, if the home and mortgage are currently solely in your husband’s name, he doesn’t just have the title issued in his name; there’s also a mortgage or some kind of a promissory note to a bank that’s attached to it, which he is legally obligated to pay.
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Want a P2P Loan? See This Profile of a Typical Peer-to-Peer Borrower
When you think about an individual who would borrow money from strangers, rather than fill out a loan application at a bank, what kind of image comes to mind?
Do you think the borrower is desperate, has bad credit or has mismanaged his or her finances? Or maybe you think the person has few economic options, is lacking in financial sophistication or is willing to be economically exploited by the likes of loan sharks and unscrupulous payday lenders?
Well, if the borrower in question is someone seeking a peer-to-peer loan, chances are this borrower doesn’t fit the image you might think.
Continue reading “Want a P2P Loan? See This Profile of a Typical Peer-to-Peer Borrower” »
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