Editor, Auto & Business Lending
James covers auto financing, auto loan refinancing, SBA programs and small business credit. He has a particular interest in dealership financing practices and the true cost of long-term auto loans.
Are you a US veteran? Learn how to leverage VA loans for a 0% down payment mortgage with no private mortgage insurance.
Home Equity LoansUnderstand the difference between a Home Equity Line of Credit (HELOC) and a Home Equity Loan to fund your next big project.
MortgageUnderstand the risks and rewards of 5/1 and 7/1 ARMs in today's fluctuating US interest rate environment.
MortgageUse the classic 28/36 rule to calculate your housing budget and avoid becoming house poor in the US market.
MortgageLearn how paying for discount points upfront can lower your interest rate and save you money over the life of your US mortgage.
Personal LoansUnderstand the key differences between secured and unsecured personal loans and discover which fits your financial needs best.
Bad Credit LoansAvoid the 400% APR trap of payday loans. Discover safer, more affordable borrowing alternatives for short-term cash needs.
Personal LoansExplore the pros and cons of wedding loans. Learn how to finance your big day without ruining your financial future.
Personal LoansPlan to pay off your loan early? Learn how to identify and avoid lenders that charge prepayment penalties in the US.
Personal LoansProtect yourself from predatory lenders and fraudsters. Learn the red flags of advance-fee loan scams and phishing attempts.
Auto LoansCompare the long-term financial impacts of leasing a vehicle versus buying one with a traditional auto loan.
Auto LoansUsed car loans often have higher rates than new ones. Learn how to secure the best financing for a pre-owned vehicle.
Auto LoansDiscover why local US credit unions consistently beat big banks and dealerships when it comes to auto loan APRs.
SBA LoansLearn the requirements, terms, and application process for the US Small Business Administration's premier 7(a) loan program.
Business LoansNeed a new tractor, oven, or server rack? Learn how equipment financing uses the asset itself as collateral for the loan.
SBA LoansNeed less than $50k? Explore the SBA Microloan program, designed to help marginalized and new business owners in the US.
Business LoansExplore specialized US funding opportunities, SBA programs, and grants designed for minority and female entrepreneurs.
Credit ScoreUnderstand the 5 key factors that make up your FICO score: payment history, utilization, length, mix, and new credit.
Credit ScoreLearn how 'piggybacking' on a family member's credit card can fast-track your credit score building journey.
Credit ScoreFrom late payments to bankruptcies, find out exactly how long derogatory marks impact your US credit profile.
Debt ConsolidationLearn how to leverage 0% APR introductory periods to consolidate and aggressively pay down US credit card balances.
Debt ConsolidationDrowning in debt? Learn how non-profit credit counseling agencies can help you set up a Debt Management Plan (DMP).
Personal FinanceLock in high interest rates with a CD. Learn how they work, the penalties for early withdrawal, and CD laddering strategies.
Personal FinanceLearn how to optimize your Flexible Spending Account to save on taxes for medical expenses before the end of the year.
Personal FinanceCompound interest is the 8th wonder of the world. Learn how investing early can turn small contributions into millions.