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.
Get free online IRS tax filing, or settle IRS tax debt
Browse for more credit offers.
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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Read our latest information about personal finance.
Christmas Loans: Because Christmas is a special time, presents and celebrations can be costly and you may not have enough money. Christmas loans can help solve money problems. There may be offers with reduced rates, flexible repayments, or grace periods. These loans are usually personal, unsecured loans and can be used for anything - money for a down payment on a used auto, presents, or paying bills. What you get can depend on your credit and how much you can repay. Many times, even bankruptcy is not a problem for getting approved.
Special loan offers may be one right solution for obtaining Christmas money. There are many lenders who do not have the hard-to-meet-requirements for approval. Find an ideal Christmas loan solution, regardless of credit. Interest rates can be tiered according to the lender's risk. Get a couple of loan
quotes; after all banks and credit unions must compete for your business to
offer an interest rate lower than competitors..
around financial problems, to be able to save money can be an overwhelming
process that could take months or years. Finding the motivation, can be as easy
as reading success stories on the Internet or listening to people around you.
People from all walks of life can have debt problems that need to be solved, it
is not just those who may live on limited incomes.
times there are medical problems that cause the family finances to be depleted
beyond repair, a disability, the loss of a job, or other circumstances. Things
that happen can cause life to look pretty dire. When money management skills are
lacking, it can only get worse, and this in turn can cause couples to fight
about the finances. It can also have a negative impact on all areas of life.
Financial problems that are faced soon, can lead to positive changes. It does
not matter who is to blame, unless you want to be on a road to nowhere,
something has to change for the better.
some people, loosing money due to a business that failed, can cause huge amounts
of debt. One big problem can result from trying to keep a company running, by
charging on credit cards, only later to find the battle was lost. Trying to meet
a company budget may go on for months, until someone finally decides it is not
paying off, and the doors are closed. But that does not wipe out all the debt
that may be owed.
are many people who only live paycheck to paycheck every week. When there is a
layoff at work, debts can get behind quickly. It becomes worse when late fees
are added and bill collectors are constantly calling, thus leading to more
stress. Many people keep hoping things will change, and they do not act, and
being in debt deepens.
are other people who end up in debt because they spend money wastefully and live
like they are rich. It eventually catches up with them. They may be the type who
must eat out all the time, buy things they desire but do not need, purchase
clothes and shoes that continues to clutter closets, and try to impress their
peers only to become deep in debt. Usually this includes purchasing a huge house
that they can not afford, nor the utility bills to go with it. There is never
enough money for the family expenses.
accounts can help when the family finances needs extra money, yet many Americans
do not save for emergencies. They shuffle bills when something happens and that
cuts into the paycheck with added late charges. Eventually, credit scores may be
damaged to the point, that getting approved for money to dig out is almost
debts are piling up, the important thing is to turn things around as soon as
possible and not months down the line. There must be some type of action, like
learning to live way beneath one's means just to be able to catch up on bills
that are due each month. Some people may not have the skills to get back on
track. Enlisting the help of professionals to try to get debt relief can be a
good step forward.
get out of debt, some people may choose to get a second job or work over forty
hours a week to get more money for debts. This can be one of the best moves to
get extra money. Another option is to sell stuff at garage sales, in the
newspaper, or at online auctions. It could be surprising how much money you may
be able to earn toward bills.
those who owe a few thousand in debt, they may have luck by using a self made
plan, but when debts total more than $10,000, a debt
counselor may be helpful. When debts are in the hundreds of thousands, a
lawyer who knows about debt settlement or bankruptcy issues may need to be
consulted. Whatever the debts are, there are several tried and true methods to
get debt relief. There are still some basic concepts to getting finances under
control, for those who do not know how, find debt help fast.
Finding Lenders and Credit Card Companies to give You Loans and Lines of Credit:
Shopping for credit can result in serious dings to your credit score each time a hard credit report is pulled. So what do you apply for loans and cards when you already have a marginal or low credit score?
Instead of applying blinding and madly for multiple credit card offers, auto or personal loans, consider using a free matching service. Many lenders and issuers engage in these matching services, as they would rather receive qualifying applicants.
How it works: Loan providers and card issuers provide minimum credit requirements, which matching services use to pre-screen and thus pre-approve customers for certain loans and credit cards. Of course, they accomplish this through a "soft-pull" by asking the applicant a series of questions. Based upon each applicant's answers, a professional matching service can whittle down to lenders and issuers more right for your particular credit history.
Not only does this method limit unnecessary hard credit pulls, it can also be a huge time saver, as well as help to protect your identity by limiting the amount of creditors you submit your personal information to.
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.
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.
Online Checking and Savings Accounts
Captial One 360 Savings: The basic savings account is probably the main attraction at Capital One 360. It's an account that pays a decent return with no minimums and no monthly fees. Rates change constantly, so you should check their website for up-to-the-minute rates, but you can expect to earn more than you'll earn at any big bank.
To fund the account, you'll need to link it to an existing checking account at your brick and mortar bank. When you open the account, you'll submit a check for initial funding, and Capital One will pull your banking information off of that check (your bank information is located at the bottom of your check). Once the link is established, you can transfer money back and forth between Capital One 360 and your brick-and-mortar bank electronically. However, be aware that you can only make 6 withdrawals per month from the account (the same is true for other savings accounts) – if you want to withdraw more often, consider using a checking account.
Capital One 360 Checking
* Ability to write checks (checks must be ordered from Capital One)
* Free ATM/debit card provided
* Free online bill pay
* Remote check deposit using a mobile device or scanner
* An overdraft line of credit (which you should try to avoid using, but is less expensive than other forms of overdraft protection)
* Free Person2Person Payments so you can pay friends and other individuals
Savings Accounts for Children - Capital One 360 also offers a savings account for children called the Kids Savings Account. With no fees or minimums, that account allows you and a child to save money in that child's name. You (the adult) don't have to be a parent – you can manage an account for any child. The child will have unique login credentials, so they can see their own account, but not your accounts. Adults have control over deposits and withdrawals until the child turns 18 and the account is converted to a standard 360 Savings Account. The Kids Savings Account is a great way to teach children about money from a young age.
HSBC Online Savings Account is like a lot of other online savings accounts. The main attraction is the APY (Annual Percentage Yield). You can typically earn more than brick-and-mortar banks. Furthermore, there are no fees for the service or minimum balance requirements. You can literally open an account with $1.
With HSBC, you keep your existing checking account and link it to your HSBC OnlineSavings account. To move money back and forth, you login to your HSBC account and request a transfer (transfers are free on the HSBC side, however you should check with your bank to make sure they won't assess a charge).
The HSBC OnlineSavings Account gets you a decent rate, and they also send you an ATM card. This makes it easy to get cash fast, and you can keep your daily spending money in the account – not in a lower yielding checking account.
If you want to write checks with HSBC, you can link the account to a more traditional HSBC account. This will make transfers to your checking account faster than moving the money to a different institution. Even better use an HSBC checking account and zap the money back and forth quickly.
There may be fees for checking accounts, however HSBC will consider all of your balances (Mortgage, Credit Card, etc) together when they calculate how much you have with them. This makes it easy to have an interest-earning checking account with no monthly fees.
Opening an account is really fast and easy. You just fill in all your personal information and wait for HSBC to make some test deposits to your linked account. The process moves fast, and your initial deposit can end up earning the HSBC OnlineSavings Account interest rate within a week.
I've found that the customer service at HSBC is pretty good. Of course this is unscientific and your results may vary. So far, I haven't encountered any long hold-times and the representatives have been knowledgeable and helpful.
Your HSBC OnlineSavings Account Review
Have you used the HSBC OnlineSavings Account? Well, what do you think about it? Share your experiences at the bank review page.
Ally Bank offers savings, CDs, and checking products with competitive rates. Read and submit Ally Bank reviews on this page.
The main attraction at Ally Bank is the APY they pay on deposit products:
* Checking accounts
* Savings accounts
* Money market accounts
* Certificates of Deposit (CD)
Ally Bank will check your credit, even though you may not intend to borrow. They want to verify your identity and try to predict if you'll use your overdraft provisions responsibly.
Ally Bank offers an interest checking account that allows you to earn money while keeping it liquid. The interest checking account does not have a limit on withdrawals from the account (but other accounts do).
Free checks from Ally Bank, and you can reorder basic checks at no cost. There is no minimum deposit, and no monthly fee. Online bill pay is free, and you'll get a debit card for ATM withdrawals and purchases.
trouble getting credit for Christmas? Review these resources:
but can't get approved for a bad credit card or loan?
- Does your bad credit search end in being denied a credit card application or
being rejected for a loan? Let bad credit offers come to you.
Checking Account Alternatives - If you cannot get approved due to
ChexSystems, review these bank checking account alternatives.
Checking Account Personal Loan Funding - If you can't get approved for a
personal loan without a checking account, learn the benefits and apply online
Credit to Bad Credit - Today even bad credit people can get approved for
most personal finance products, but government legislatures think poor people
cannot use credit wisely and may pass laws that result in no credit except for
the wealthy and influential. Bad credit cards and high risk loans serve needs.
Checking Account Interest Plus Credit Approval - Take advantage of
earning free money with a bank checking account that rewards interest. A
checking account can also help you get approved for credit such as a personal
Cards and Credit Reports - Certainly credit report scores decide if you
get approved for a credit card and the interest rate you will pay, but what
about future rate changes?
Credit Card to Rebuild Bad Credit - Can't get approved for an unsecured
credit card because of your credit score? You can get a secured credit card to
rebuild bad credit.