what is a hardship loan with bad credit

What Is a Hardship Loan With Bad Credit?

A hardship loan with bad credit is a short-term loan designed to help you cover an unexpected expense when your credit score isn’t strong enough

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How many americans have a personal loan

How Many Americans Have a Personal Loan in 2025?

Key Takeaways An average of 22-25 million Americans in 2025 hold a personal loan, with the average personal loan balance of $11,631, making it a common…
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What Is a Typical Annual Interest Rate for Purchases on a Credit Card in August 2025?

Key Takeaways In August 2025, the average U.S. credit card APR on new purchases was 23.99%, with most between 20% and 24%. The Federal Reserve reported an…
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taxes 101

Taxes 101  

Tax season has begun, but are you ready to file? Filing can be confusing–especially if you’re just starting out. But don’t worry, CreditNinja is here…
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do you get money when you refinance a loan

Do you get money when you refinance a loan

If you have never renewed a loan before, you may be asking yourself, “Do you get money when you refinance a loan?” The answer depends…
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can you cash a check at an atm

Can you cash a check at an atm

Key Takeaways Cashing a check at an ATM is generally not possible; instead, you can deposit the check and withdraw funds once the deposit clears. The availability…
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can you go to jail for disputing charges

Can you go to jail for disputing charges?

Financial experts suggest monitoring your financial statements periodically. You can dispute unauthorized credit card charges if you catch questionable or fraudulent activity. But what if…
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