{"id":1713,"date":"2018-05-10T21:09:00","date_gmt":"2018-05-10T21:09:00","guid":{"rendered":"https:\/\/beyondfinance.wpengine.com\/?p=1713"},"modified":"2026-04-10T15:46:37","modified_gmt":"2026-04-10T15:46:37","slug":"borrowing-options","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/borrowing-options\/","title":{"rendered":"Borrowing Options"},"content":{"rendered":"\n<p>Because every credit card and loan option has its pros and cons, it is important to understand which options work best for you. Frequently, loan applications are organized in such a way that all you have to do is fill in the blanks associated with the different loan options. Perhaps the reason for this is the commonality of purpose and the multitude of people applying for credit cards or specific types of loans such as home mortgages and auto loans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit Cards<\/h2>\n\n\n\n<p>Credit cards are convenient for purchasing items of necessity. And, when respected and used properly, credit cards make life so much easier. Nevertheless, if you abuse the use of a credit card, it can lead to a debt snowball and cause years of financial hardship and angst \u2013 possibly even bankruptcy.<\/p>\n\n\n\n<p>When selecting a credit card, there are many different options available. However, the two most important components of any credit card are its annual fees and interest rate. Credit card issuers determine the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The annual percentage rate (APR)<\/li>\n\n\n\n<li>The grace period until a payment is considered late<\/li>\n\n\n\n<li>The financial calculation for determining the outstanding balance<\/li>\n\n\n\n<li>Annual fees and other charges<\/li>\n\n\n\n<li>The minimum monthly payment<\/li>\n<\/ul>\n\n\n\n<p>The above components are the governing factors that determine how much your credit card will actually cost you. So, let\u2019s define them in more detail.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">APR<\/h2>\n\n\n\n<p>For many people, understanding the annual percentage rate (APR) is a daunting task. The simplest explanation is this: the APR defines what your borrowing cost will be on any outstanding balance over a period of 12 months.<\/p>\n\n\n\n<p>When you examine the APR on credit cards, you will see a few common variables; there is an \u201cintroductory\u201d APR rate, a standard APR on your purchases, an attractive APR for balance transfers, and potentially, a higher APR for \u201ccash advances.\u201d A credit card interest calculator can help you determine what amount of payment to expect based on your anticipated use.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Grace Period<\/h2>\n\n\n\n<p>Credit card issuers have learned that almost everyone from time to time require a few extra days to make a payment. Establishing a grace period provides a little breathing room for credit card users so that payments can be made after the due date without penalty should life get a little challenging. Without a grace period, if payment is not made by the due date, a late charge may be assessed. Additionally, many credit cards offer the opportunity to pay in full without incurring any finance charges. Finance charges can be assessed from the \u201ctime of purchase\u201d if only the minimum payment or less is made.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fees<\/h2>\n\n\n\n<p>Some credit card companies don\u2019t charge annual fees for using their cards. Many do, however, so it\u2019s important to find out how much the annual fee is to avoid future surprises. Most credit cards impose a late fee whenever, taking into account the grace period, the user does not pay at least the minimum amount and does not pay on time. What\u2019s more, if the credit card company has attached a maximum limit on the available credit and you exceed that limit, you may pay an extra fee. Remember, all fees are in addition to the APR.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Non-collateralized Personal Loans<\/h2>\n\n\n\n<p>In today\u2019s economy, the ability to qualify for a personal loan (also known as a \u201csignature loan\u201d) is reserved for those with an excellent loan payment history and a high credit score. The reward for maintaining an unblemished credit record is being able to secure a non-collateralized personal loan.<\/p>\n\n\n\n<p>The best advice when pursuing a non-collateralized loan is to apply only after deciding on a lender. If you apply to several lenders at once, each will run a credit check to obtain a credit score. Too many credit score requests in a short period of time can negatively affect your score &#8211; something you want to avoid if possible. Remember, your credit score is the key to your borrowing future, so try to avoid any activity that might negatively affect it.<\/p>\n\n\n\n<p>Sometimes lenders may \u201ctake a chance\u201d on a borrower with a tarnished credit history and low credit score. If you are given a \u201csecond chance\u201d take the opportunity to repair your credit and demonstrate to lenders that you are a responsible borrower &#8211; even though you may not receive the best interest rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgages and Home Equity Loans<\/h2>\n\n\n\n<p>The American dream for many people is to own their own home. But for many, qualifying for a home mortgage isn\u2019t a simple process. Once you\u2019re approved and you\u2019ve closed on the mortgage and moved into your new home, your mortgage will probably represent the largest payment you\u2019ll have to make on a monthly basis.<\/p>\n\n\n\n<p>With this in mind, you\u2019ll want to educate yourself about the different types of mortgage loans available and choose the one that most closely fits your financial needs.<\/p>\n\n\n\n<p>Mortgages are usually financed over a period of 15 to 30 years. Predicting how mortgage interest rates will fluctuate from year to year is impossible. If you\u2019re nervous about the possibility of interest rates rising to a point where you might not be able to meet your financial obligations, you should probably consider a fixed rate mortgage rather than an adjustable rate mortgage (ARM). But if increasing interest rates over a period of time will not adversely affect your budget, then you may be better served with an ARM. What\u2019s more, with an ARM, if interest rates decrease over a period of time, you may see your monthly mortgage payment reduced.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Refinancing Your Mortgage<\/h2>\n\n\n\n<p>Assuming you\u2019ve built equity in your home, a mortgage refinance is often considered for a variety of personal and financial reasons. For most homeowners, the primary objective of refinancing one\u2019s mortgage is generally to improve upon one of the mortgage\u2019s key components; either significantly lowering the interest rate, changing from a variable (ARM) to a fixed interest rate, or changing the length (term) of your mortgage. Many times, a homeowner is simply looking to reduce their monthly mortgage payment with the hope of applying the extra disposal income towards debt consolidation, other financial obligations or their savings.<\/p>\n\n\n\n<p>The above refinancing options reflect sound financial reasoning and accomplish goals that can put you in a better long-term position as a homeowner. However, if you are refinancing to access some or all of your equity (\u201ccashing-out\u201d is the industry\u2019s term), exercise caution so you don\u2019t risk losing the money in speculative investments or frivolous expenditures. If the real estate market turns against you and you have no equity remaining in your home, your property will be considered \u201cunderwater\u201d which means your home no longer offers you any value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Auto Loans<\/h2>\n\n\n\n<p>Most people don\u2019t write a check when purchasing a car, they finance the transaction with a car loan. This is where you have several options. You can arrange financing through your own bank or credit union, or have the auto dealer arrange the financing for you.<\/p>\n\n\n\n<p>If you choose to have the dealer work out the financing, you should make certain that you\u2019re aware of the financing costs. Sometimes people are so enthusiastic about getting a new car they completely forget their financial obligations.<\/p>\n\n\n\n<p>Car dealers have access to financing that may be more favorable than what you\u2019re able to secure on your own. There are \u201c0% financing\u201d deals, but these offers may be restricted to those buying a specific model car or may only be for individuals with exceptionally high credit scores.<\/p>\n\n\n\n<p>If you don\u2019t qualify for this kind of an arrangement, your interest rate might be higher, and you may be faced with certain fees if you\u2019re late with a payment.<\/p>\n\n\n\n<p>For more information when it comes to personal loan options or debt help, call&nbsp;<a href=\"tel:18004954069\">1-800-495-4069<\/a>&nbsp;today for a free, no obligation assessment with one of our experienced consultants.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Because every credit card and loan option has its pros and cons, it is important to understand which options work best for you. Frequently, loan applications are organized in such a way that all you have to do is fill in the blanks associated with the different loan options. Perhaps&#8230;<\/p>\n","protected":false},"author":4,"featured_media":1714,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1713","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Borrowing Options - Beyond Finance<\/title>\n<meta name=\"description\" content=\"Need credit? 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