Editor, Consumer Credit
David covers personal loans, installment lending and credit scoring for VeloraLend. His work centres on how underwriting actually works — what lenders look at, what the fees really cost, and where borrowers most often get caught out.
Explore the latest predictions for US mortgage rates. Understand how the Federal Reserve affects your home buying power.
Mortgage RefinanceLower your monthly payments by refinancing your mortgage. Discover the costs, benefits, and steps to refinance in the US.
MortgagePre-approval is crucial in the competitive US housing market. Learn the documents needed and steps to get pre-approved quickly.
MortgageSeniors can tap into home equity with a reverse mortgage. Understand the costs, risks, and benefits for US retirees.
MortgageLearn how to secure a mortgage for a rental property or fix-and-flip, including higher down payment and credit requirements.
Personal LoansStruggling with high credit card APRs? Learn how to use a personal loan to consolidate debt and lower your monthly payments.
Bad Credit LoansHaving a low FICO score makes borrowing hard, but not impossible. Explore bad credit personal loan options and avoid scams.
Installment LoansFrom auto loans to personal loans, learn how installment loans work and how they impact your US credit score.
Personal LoansIf you have bad credit, a co-signer can help. Learn the risks, benefits, and how co-signing impacts both parties' credit.
Personal LoansNeed flexible borrowing? Learn the difference between a lump-sum personal loan and a revolving personal line of credit.
Auto Loan RefinanceStuck with a high-interest car loan? Discover the step-by-step process of auto loan refinancing to lower your monthly payments.
Auto LoansLearn how Guaranteed Asset Protection (GAP) insurance works and when it's essential for your US auto loan.
Auto LoansPre-approval gives you negotiating power. Learn how to get an auto loan pre-approval before stepping onto the lot.
Auto LoansExplore the pros and cons of paying off your auto loan ahead of schedule, including the impact on your credit score.
SBA LoansLooking to buy a building or heavy equipment? Learn how the SBA 504 loan program offers long-term, fixed-rate financing.
Business LoansCan you fund a business with a low personal FICO score? Learn about alternative lenders and merchant cash advances.
Business LoansSeparate your personal and business finances. Learn how to establish a strong business credit profile in the US.
Business LoansBuying a franchise comes with high upfront costs. Discover the best loan options, including SBA loans, for franchise buyers.
Credit ScoreDoes checking your credit lower your score? Learn the difference between hard and soft inquiries and how they affect you.
Credit ScoreProtect yourself from identity theft. Learn how to place a free security freeze with Equifax, Experian, and TransUnion.
Personal FinanceStruggling to save? Learn how to implement the popular 50/30/20 budgeting method to manage your US household finances.
Personal FinanceOverwhelmed by debt? Understand the extreme consequences and differences between the two main types of US personal bankruptcy.
Personal FinanceExplore the pros and cons of refinancing federal and private student loans with a private lender for a lower rate.
Personal FinanceNeed financial help? Learn why it's critical to hire a fee-only fiduciary who is legally bound to act in your best interest.
Personal FinanceYour net worth is the ultimate measure of financial health. Learn the formula and how to track your progress over time.