Key takeaways No-credit-check loans target borrowers with poor credit or limited credit history. These loans often carry sky-high interest rates, sometimes exceeding 100% APR. These loans should be approached with great caution and as a last-resort funding option. Obtaining a loan when you have bad credit can be challenging, as…
The short answer, while credit cards technically cost more in interest (if balances are carried), Buy Now, Pay Later (BNPL) often costs you more in monthly cash flow and budget flexibility. In most cases, Buy Now, Pay Later (BNPL) plans cost your budget more in the new year than credit…
Key takeaways The amount you can afford for a car depends on whether you’re buying or leasing — the latter could be much cheaper and let you access more options. Your salary, debt-to-income ratio and credit profile could also affect how large of a car loan you’ll be offered. Be…
Key takeaways There are two main types of student loans: federal and private. Federal student loans are easier to qualify for and have more flexible repayment options than private loans, including far more paths to loan forgiveness. Private student loans may offer lower interest rates with higher loan limits for…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
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Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets — and they cost much less than a typical financial advisor. It’s little wonder that many investors have turned to them, and robo-advisors now manage hundreds of billions of…
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Key takeaways Unsecured debt, such as credit cards, student loans, medical bills and high-interest loans can all be consolidated. Debt consolidation can simplify…
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OBSERVATIONS FROM THE FINTECH SNARK TANKBankers wants to discuss AI strategy. They’re excited about chatbots, machine learning models, generative AI tools, and AI…
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Tatiana Meteleva/Getty Images It’s easy to get swept away in the latest viral holiday trend or marketing push. This year, it’s a Ralph Lauren Christmas. Don’t miss the Viral TikTok garland. Stuff your stockings with lippies, digital cameras and ice rollers. Hide the elf on the shelf in a new…
Images by Getty Images; Illustration by Austin Courregé/Bankrate A high-yield savings account earning 4% annual percentage yield (APY) would generate about $400 in interest on a $10,000 deposit over one year. This is over six times more than the national average savings rate of 0.60%, according to Bankrate’s weekly survey…
Images by Getty Images; Illustration by Austin Courrege/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn you around $4,000 in interest in one year. This is more than double the $1,930 you’d earn with $100,000 in a one-year CD that earns the approximate…
Private health insurance premiums will be going up in 2026 — in some cases, by a lot. Congressional Democrats and Republicans remain deadlocked on health care reform, following disagreements over America’s health insurance marketplace that contributed to November’s government shutdown. At the heart of the issue is the extension of…
Key takeaways AI savings apps use machine learning to analyze your spending patterns and offer personalized strategies. These apps can automatically cancel unwanted subscriptions, find better deals and optimize your budget based on your behavior. Popular AI-powered tools like Cleo, Rocket Money and Hopper can save users an average of…
Key takeaways Looking at the past four decades, the average rate on a 30-year fixed mortgage peaked in 1981, rising just above 16%. The average 30-year fixed rate bottomed in 2021 at just under 3%. So far in 2025, the average 30-year mortgage rate has fluctuated between 6.26% and 7.19%. As…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways In most parts of the U.S., a jumbo loan is a mortgage exceeding $832,750 as of 2026, but the amount varies by county. Jumbo loans generally require a higher credit score, a higher level of income or assets and a larger…
Key takeaways MoneyPass operates 40,000+ fee-free ATMs nationwide — one of the largest surcharge-free networks in America. Major banks like US Bank, Capital One, and fintech apps like Venmo, Cash App, and SoFi all use MoneyPass for fee-free withdrawals. Find MoneyPass ATMs at 5,000+ Walmart locations, plus Hy-Vee, Circle K,…
Stefani Reynolds/AFP/Getty Images Key takeaways Chase operates over 4,700 branches and 15,000 ATMs nationwide — the most extensive network of any U.S. bank. Use the Chase mobile app or website to find nearby locations, check services available, and book appointments that save you waiting time. Chase ATMs offer advanced features…
Closing on my mortgage almost three years ago felt surreal. I was 31 and holding a key to my own condominium in the heart of Seattle, a mere half mile from the Space Needle. I bought it alone, joining the growing number of single women purchasing homes — such an…
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