cover of episode How To Pick the Personal Loan That's Right For You

How To Pick the Personal Loan That's Right For You

2024/7/2
logo of podcast Money Rehab with Nicole Lapin

Money Rehab with Nicole Lapin
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Nicole Lappin
一位致力于财务教育和媒体的专家，通过多种平台帮助人们提高财务素养。
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Nicole Lappin: 个人贷款可以作为紧急情况下的生命线，用于多种用途，例如债务整合、支付意外开支、创业或支付医疗费用。但是，不同类型的个人贷款有不同的特点和风险。无担保贷款无需抵押品，但利率可能较高，适合信用评分良好的人群。签名贷款也是一种无担保贷款，审批速度快，但同样需要良好的信用记录。有担保贷款需要抵押品，利率较低，但风险是如果违约，可能会失去抵押资产。债务整合贷款可以将多种债务合并成单一每月还款，简化还款流程，但需要谨慎管理消费习惯，避免再次负债。共同签署贷款需要第二个人担保，可以获得更好的利率和贷款条件，但如果违约，会影响担保人的信用。薪日贷款是短期高利率贷款，风险极高，不建议使用。选择个人贷款时，需要根据自身财务状况和信用评分选择合适的类型，并制定合理的还款计划，避免债务失控。 Nicole Lappin: 在选择个人贷款时，需要仔细权衡各种贷款类型的优缺点。无担保贷款虽然方便快捷，但利率通常较高，需要良好的信用记录才能获得较低的利率。有担保贷款虽然利率较低，但需要提供抵押物，一旦违约，将面临失去抵押物的风险。债务整合贷款可以简化还款流程，降低总利息支出，但需要谨慎管理个人财务，避免再次负债。共同签署贷款可以帮助信用记录较差的人获得贷款，但需要找到可靠的担保人，并承担违约后影响担保人信用的风险。薪日贷款利率极高，极易陷入债务循环，应尽量避免使用。总而言之，选择个人贷款需要根据自身情况，权衡利弊，选择最适合自己的贷款类型，并制定合理的还款计划。

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Personal loans can be a lifeline in times of need. However, not all personal loans are created equal. Today, Nicole unpacks six common types of personal loans, the benefits and risks, and helps you understand which one might be the best for you and your financial picture.

Want to estimate how long it would take you to pay off your debt? Use this debt repayment calculator: https://www.creditkarma.com/calculators/credit-cards/debt-repayment)

*All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank. Securities investments: ****Not FDIC Insured; No Bank Guarantee; May Lose Value. ***

Brokerage services for Regulation A securities are offered through Dalmore Group, LLC, member FINRA & SIPC. Risks at public.com/disclosures/alts-risk-and-conflict-of-interest-disclosure

See public.com/#disclosures-main) for more information.