How the Prime Rate Affects Your Monthly Payment: A Borrower’s Guide
A 0.25% prime rate change moves a $50K HELOC by $125 a year and a $150K SBA loan by $375. Here's exactly how each rate move hits your wallet.
Laura Adams
Laura Adams is a personal finance expert, spokesperson, and national media source who helps consumers improve their finances by making money easy to understand.
She’s the host of the top-rated MoneyGirl Podcast and award-winning author of multiple books, including Money Girl’s Smart Moves to Grow Rich. Connect with Laura at LauraDAdams.com and on Twitter @LauraAdams.
Auto Loan Pre-Approval: How to Get Pre-Approved Before You Buy
Getting pre-approved for an auto loan before you visit the dealership is one of the smartest moves you can make as a car buyer. Pre-approval tells you how much you can borrow, what interest rate you qualify for, and what…
Best Personal Loan Rates of 2026
Personal loans are one of the most flexible ways to borrow money. You can use the funds for debt consolidation, home repairs, medical bills, or almost anything else. In 2026, the best personal loan rates start as low as 6…
Best Credit Cards of 2026: Cash Back, Travel, Balance Transfers
Finding the right credit card can save you hundreds of dollars a year in fees and earn you cash back, points, or travel miles on purchases you already make. But with so many options on the market, it is hard…
Best Debt Consolidation Loans of 2026
Compare the best debt consolidation loans of 2026. Find low rates, learn how consolidation works, and get tips for paying off credit card debt faster.
Best Auto Loan Rates in 2026
If you want to buy a new car, used vehicle, truck, or motorcycle, the auto loan rates you get can save or cost you thousands. In 2026, the average rate for a 60-month new car loan is about 7.01 percent…
How to Use a Personal Loan for Debt Consolidation in 2026
If you are carrying balances on multiple credit cards or loans, keeping track of due dates, interest rates, and minimum payments can feel overwhelming. Debt consolidation — the process of combining several debts into a single loan with one monthly…
5 tips to take a honeymoon only using credit card rewards
Are you dreaming about having enough in credit card rewards to take your honeymoon for free? It's not unrealistic. Use these tips to get closer to your goal!
Should you finance your business with a personal loan?
Wondering if you should take out a personal loan to finance your business? Here are some of the advantages of funding your startup with a personal loan — and what to consider.
How to build credit as a college student
There's a lot to keep you busy during college. But without a doubt, it is one of the best times to start thinking about your credit. If you want a leg up on your finances later in life, start to build credit as a college student. Here's how.