Auto Loan: Apply online for a good or even a very bad credit auto loan quote, including a new or
used auto loan or refinancing.
Credit Card: Browse good and bad credit card applications including instant approval credit cards,
gold, platinum, and
guaranteed card offers.
Credit Report: Free credit report help to
fix credit report errors and improve credit score ratings.
Debt Counseling: Personal finances out of control? Unsecured
credit counseling, debt management, debt negotiation or
free debt settlement.
Free Credit Offers: Get no obligation credit offers plus tips and alerts to help manage your personal finances.
Home Loan: Stop paying rent and live the American dream with home ownership.
Mortgage Refinancing: Fast 2nd mortgage loan quote for
remodeling, equity cash out,
debt consolidation or other reasons.
Payday Loan: Get a good or bad credit unsecured loan with
no credit check, no security (collateral) and no cosigner.
Personal Loan: Short or
long term personal loan up to $10,000 (as available, or view alternative loan options).
Personal Finance: How to file bankruptcy and get free bankruptcy forms, create a household
personal budget, balance a checkbook and more. Get our free personal budget software.
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credit card, debt assistance,
auto loan, home loan, mortgage refinancing, payday and
personal loan applications and information.
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Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
Free Personal Budget Software with Expense Manager
our free financial calculators to effectively manage money.
Credit Federal's Free Personal Finance Center offers:
- Record and Track Expenses, and sort by type and/or by date.
- Record Income/Deposits. Software also calculates debt-to-income ratio.
- Instant Credit Grade Calculation. Software analyzes expenses.
- Helpful Tips. If your grade is low, the software offers tips to improve.
The software is 100% free, operates on Windows computers, and does not require entering sensitive data such as credit card numbers, bank account numbers, etc. The software does not require being online to use.
Download Our Free Personal Finance Software
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Download Instructions: Click on the download link above, select 'Open'. Follow download instructions (accept cookies, agree to Terms, etc). The CreditFederal software will download first, then the Sun J2SE software. Both programs are necessary for the Personal Finance Center to function. After both downloads are complete, an Icon (like the one displayed on the left) will appear on your main Windows display.
To launch, double-click the Icon on your computer desktop.
Instructions on how to use the free personal financial software.
The software helps you track and itemize expenses, setup bill payment reminders, and it provides a credit grade based upon your debits.
The software is easy to use and 100% free. Operates on Windows computers and requires 16MB of disk space.
Don't forget to register for FREE Upgrades! As we update the software with additional free features, you can receive a notice via email simply by joining our free credit offers newsletter.
If you are a freeware site, include our finance software via our PAD file.
Free Personal Budget Software. Do you know how much per year you spend on utilities? On insurance? On credit card payments? Get
our free personal budget software to track expenses. It will calculate all your expenses and income, and will provide you with itemizations. This software can help you define where you mostly spend your money, and where you can make savings. Functions just like a checkbook register. It is 100% free, and operates directly from your personal computer (Windows Required). Download our free software.
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Money for Christmas
It's not uncommon for consumers to be short of money to buy Christmas presents. Besides the traditional financial resources, there are other avenues to get help. Free Christmas Money and Loan Options for Gifts
Christmas Loan Money
Need money to buy Christmas presents? Here are ways to get free Christmas gifts for kids, as well as options for a line of credit or for a cash loan.
It's not uncommon for consumers to be short of money to buy Christmas presents. Besides the traditional financial resources, there are other avenues to get help.
Before we discuss a line of credit or a cash loan to buy Christmas presents or for other emergency needs, let's look at alternatives for parents with small children:
The resources below offer free Christmas presents for children of needy families:
Family, Friends and Neighbors
In regards to military bases, most have a Toys for Tots type campaign. Contact your nearest military installation for information.
Don't let your pride get the better of you. If you have small children, swallow your pride and put your children first. Ask for help, even from friends, family and neighbors.
If you would rather obtain a line of credit or a loan, but have bad credit, here are some options to consider, starting with our highest recommendation:
Refinance an Auto - If you have an auto that is paid off, you have a good chance of getting approved for a loan by using your auto as collateral. We recommend a traditional loan, versus an "Auto Title Loan", because a traditional loan generally offers the best interest rate.
Refinance an Auto Loan - this is another good alternative, because in addition to an equity cash loan, you may also be able to lower your current loan's interest rate and/or monthly payment.
Get a quick loan for Christmas - an unsecured personal loan for bad credit may have a higher interest rate, but offers easy approval with no credit check.
Get a Guaranteed Approval Card - Shopping Cards offer you a line of credit, but limits where you may use the card. Typically, it offers online or catalog orders for merchandise from a select group of vendors.
If you decide to obtain a line of credit or a loan, use the links on the right side of this page to select and apply online.
Most Common Internet Scams - Don't Lose Your Money to Fraud
1. Nigerian 419: Most people today have an email account that they use for various purposes. Of course there are the occasional spam emails that many of us just put into the junk folder, but on some days, we get an email that is really shocking.
If you’ve ever received an email, usually from a Nigerian member of a family that comes from a lot of wealth stating that they are attempting to get a very large amount of money out of the country, you were a possible-victim of the Nigerian 419 scam. Usually these emails call out for your help in order to get this money moved into the US.
But, these emails are nothing less than a scam. It is said that over $32 billion has been lost.
The Nigerian 419 scams are one of the most popular today, and the number of scammers who use this tactic continues to grow. It is said that there are about 300,000 of these scammers in the world today, but the number is steadily increasing.
What’s the attraction?
Of course like many scams on this list, the Nigerian 419 scams seem too good to be true, but somehow people fall for them.
Simply, people like money. If you were given the opportunity to receive half of a million dollars for simply helping to transport money from another country, it might be very tempting, particularly if you are unaware that this is illegal.
People fall for this scam each year: the promise of such a large amount of money is sometimes enough to make a gullible Internet-user fall for a huge scam.
2. PayPal: Many times with these PayPal scams, one is scammed when they have someone respond to an online ad they have placed on Craigslist or some other similar site.
The scammers will usually respond to the ad, stating that they are interested in the product that is being sold and that the product will be sent to a friend or family member within the US.
Many times these scammers are people from a foreign country who are promising to pay more money than what the seller asked for in the first place.
After shipping the item and after the seller pays, you’ll realise that soon enough, PayPal has taken the money from your account, and that you’re out of the item you were trying to sell.
Many times the “buyer” will contact PayPal saying that they never received the item, or in even worse cases, the scammer will be using a fake PayPal address or a stolen account.
What’s the attraction?
When you’re desperately trying to get rid of an item, you are probably pretty impatient and anxious to get rid of it. So when someone responds you probably don’t think twice about the possibility that the person on the other side is a scammer that is trying to get your item without paying for it.
People fall for it simply because many times the scammer is giving them more money that what was asked for and because they really just want to get rid of the item and have money to spend elsewhere.
3. Working from Home: Not only do these scams mean you’re out of money, but it could mean that your computer is left nothing short of…ruined.
These scams usually have a situation where you are given the opportunity to work at home, making your computer a “money-making machine” by doing very simple things. However, you aren’t told what these things are and how to locate them on the Internet without paying a few dollars.
The catch is that you’re paying for information that you often don’t receive, or that often has nothing to do with working from home.
Often times you are guaranteed that within 24 hours you’ll have full access to information and programs that allow your computer to make money for you, without much effort on your part. But this is just another scam and you’ve provided your banking information, and many times you’ve installed rogue software that will only ruin your computer.
What’s the attraction?
Who wouldn’t want to work in their pajamas and slippers all day while sipping a cup of hot coffee?
Many people would love to be able to have a job like this, and this is why people get sucked into the work at home scams.
Working at home is easy and requires less energy than it does to work outside of your home. Paying a measly $5 seems like nothing when you can have the great opportunity of not having to drive to work each day. But many times you get nothing in return from the $5 that you put out, and you’re left with the same early morning routine.
4. “Free” Trial: We’ve all seen the ads and pop-ups on certain websites that promise a free trial of some sort of product: weight-loss pills, a colon cleanse, or dieting pills.
We all know how expensive these products can be, so many people will fall for the free trial scam. While many do get the free product they were promised, the scam starts when you have to provide your banking information to pay for shipping and handling fees.
With the information you provide, the company can then charge you each month for not canceling your free trial. Usually the cancellation notice is in a very fine print that most people pay no attention to.
However, after not canceling your free trial within 15 or 30 days, your debit or credit card is billed monthly. Sometimes even after canceling, the company who has your banking information will sell it to an affiliate company who can then use it as they please.
What’s the attraction?
Free stuff! Who doesn’t like free stuff? Free is good. Free means no money is spent and free means you get to try something without providing any sort of money for the product itself.
The catch is that when you provide your banking information to pay for shipping, you’re giving this company access to take out amounts of money each month for your “free trial.”
Most people don’t remember to cancel, so in the end you could be out money for a product that was never free at all.
Thankfully if you contact your bank, many times the bank will cover these fees and ensure that you are safe from the company taking more money out of your account.
5. Fake Auctions/Sales: With the popularity of places such as eBay, Craigslist, and other auction websites growing each day, it’s no surprise that fake auctions and fake sales would start to become an issue online.
Many people use these websites on a daily basis to obtain items at a discounted price; and where you find people with money, you will also usually find scammers trying to take it off their hands.
At first, it looks like an opportunity to save money, but in the end many people are left empty-handed and out some bucks. These fake auction and sales scams usually happen pretty frequently and in the blink of an eye.
It’s simple. The scammer creates an ad or auction on a website, stating that he has a certain item for sale, usually something that is pretty expensive to begin with, for a very low price.