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Is 728 A Good Credit Score – Lowest Personal Loan Rates on Any Credit Score | Best Financial Advice

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Is 728 A Good Credit Score – Most Popular?

Today I’ll cover four different credit scores from bad credit to excellent and share the best loan sites open to each level, and some key steps you can take at each level to improve your credit score.
Check out this similar video on financial advice! https://youtu.be/znW1wdgxdao

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#CreditRepair #debtconsolidation #CreditScore

I’ve always hated the generic advice on credit scores and personal loans because it helps nobody. If your FICO score is higher than the average credit score, then you’re overpaying for loans. If your score is lower, then you’re locked out of the best personal loan sites.

To really find the best rates on unsecured loans, you need to know where your credit score is at and which sites will approve your application.

In this video, I cover four different credit scores from bad credit to excellent and share the best loan sites open to each level. I’ll also reveal key steps you can take at each level to improve your credit score, get to that next level and get better rates on loans.

The list includes signature loan sites I’ve used myself for debt consolidation loans and a home improvement loan. For example, I used the bad credit loan site Personal Loans after destroying my credit score in 2009 to pay off high-interest credit card debt. https://peerfinance101.com/personalloans

Upstart specializes in personal loans for students because it uses a unique application model for people with bad credit or no credit at all. The website looks at your school and degree as part of the approval process. https://peerfinance101.com/upstart

Lending Club is the largest peer-to-peer lending site in the world but you’ll need a little higher credit score to qualify, around 680 FICO. I’ve used the website before for a low interest personal loan and invest in loans now. https://peerfinance101.com/lendingclubloans

SoFi has the broadest range of unsecured personal loans as well as mortgage refinancing and student loan refinancing options. The website just recently released their minimum credit score requirement of 680 FICO, meaning you’ll need good credit but the low rates are worth it. https://peerfinance101.com/sofi

• How to get a personal loan with bad credit – 580 FICO and below
• The difference between sub-prime and prime credit score and why it matters when applying for personal loans
• Personal loan sites for different credit scores 580 – 650 – 700 – 740
• How to improve your credit score to get to the next level and get lower rates

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Want to see how I added over 200 points to my credit score after financial disaster? Get this free guide, From Zero to Credit Hero https://peerfinance101.com/steps-fix-credit-score-loans/

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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.

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17 Comments

  1. Let's Talk Money! with Joseph Hogue, CFA
    July 25, 2021 at 9:29 pm

    See how I boosted my FICO more than 100 points with these credit score hacks https://youtu.be/QYR06s7KcCQ

  2. JEWEL ANTHONY
    July 25, 2021 at 9:29 pm

    CYBERACTI on IG is really the best and I like how pro active they are. Will always  vouch for there team as they are delight, honest and trustworthy🥰

  3. Gregory Taru
    July 25, 2021 at 9:29 pm

    Your act kindness and services show how big of a heart you have for others. thanks for the 4btc you are such amazing dahcyber oñ instagram..

  4. Gil Jimenez
    July 25, 2021 at 9:29 pm

    What if I don’t have any credit card debt but I just want to get a personal loan for around 4000-$5000 to buy a used car would that be a good idea

  5. zenful 1
    July 25, 2021 at 9:29 pm

    PS., For some reason, my score dropped 10pts after Covid hit. Do you have any idea(s) why?

  6. zenful 1
    July 25, 2021 at 9:29 pm

    I have a credit score that fluctuates between 822 & 823. My mortgage balance is approx. $22K @ 6.125%. I have a HELOC of $17K+ for credit card consolidation @ 0% + prime. I am on SSI. I would like to pay off my mortgage this year or get a low-interest loan to decrease my monthly mortgage payments so I can afford my medicare premiums. 1) where can I apply to get the lowest rate for mortgage or personal loan? 2) can I raise my credit score by using one of those credit apps to add my utility payments?

  7. fireant222
    July 25, 2021 at 9:29 pm

    Nice of you to put this on

  8. Stephie Kitty19
    July 25, 2021 at 9:29 pm

    Does consolidating debt to a personal loan lower your credit card score? Thanks for your videos☺️ new sub here!

  9. Bader K
    July 25, 2021 at 9:29 pm

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  10. Al May
    July 25, 2021 at 9:29 pm

    if I get a consolidation loan for my credit cards, can I still keep my cards open and use them

  11. Esther Burgess
    July 25, 2021 at 9:29 pm

    Useless info no help at all 😢

  12. Jack Dennis
    July 25, 2021 at 9:29 pm

    nice your vudeo

  13. Jack aideen
    July 25, 2021 at 9:29 pm

    good

  14. Jack aideen
    July 25, 2021 at 9:29 pm

    nice vidio

  15. Al May
    July 25, 2021 at 9:29 pm

    what is an aggregated payment, is it similar to minimum payments?

  16. Robert Pick
    July 25, 2021 at 9:29 pm

    Always good stuff. Nice video summary of scores vs loans.

  17. Jose Aguirre
    July 25, 2021 at 9:29 pm

    Thanks joe. always on the money with ways to attack debt.