The emotions that come after being scammed can be devastating. Once you wrap your brain around being duped of your funds, the self-blame begins and you begin to over-criticize yourself thinking What if I didn't do ... It's all my fault because I shouldn't have... I'm so stupid for falling for... If only I would have ... This wouldn't have happened if I ...

As an adult, you have a credit report that summarizes how you've handled your credit accounts which are reviewed and scored. Think of it as your credit report is your new report card, and your credit score is your new GPA. A negative inquiry or delinquency on your report can drastically lower your credit score. This can take time to restore which you might think will ultimately put a hold on many parts of your life, like financing a car.

Ok, be honest - how many times have you attempted to do a debt paydown plan but it fell through the cracks or it was too hard to stick with? Maybe because the amount of debt is too exhausting to deal with or perhaps it’s the realization that it’s going to take a really long time to pay it off. So postponing your pay-down plan for a later date probably feels like an easier decision.

What are your initial thoughts when you hear or see the words "no payment needed" for an auto loan...? Is it a relief to hear that you're not forced to come out of pocket to pay a percentage of an auto loan that's already thousands of dollars? Or do you think it's a trap for you to eventually default on your loan because you failed to put 20% down?

Deciding how to pay off an auto loan isn’t the same for every borrower and it varies based on your spending needs. One borrower may opt into doing a monthly payment plan to establish their credit score, while another might decide to pay the total cost of the auto loan in advance and avoid paying interest.

Need a stress reliever in this car buying process? You may want to look into getting pre-qualified on an auto loan through your preferred lender. Better yet, look into joining a credit union to get pre-qualified since credit unions typically offer better rates other lenders may not.

Today’s the day you’re ready to drive the vehicle off the dealership lot and into your driveway! But, you need help with one crucial thing - financing. Want to know what you'll need to receive a speedy decision when applying for an auto loan?

When it comes to refinancing your auto loan, you have several options to consider. Refinancing can help lower your monthly payments, reduce your interest rate, or even give you cashback if you’ve built equity in your car. But where should you go to refinance?🤔