Let’s face it, 2020 hasn’t been the greatest year. But in a few short months, the Holidays will be here. For those with less than perfect credit, it may feel like the “Grinch” could steal it all away.
But don’t worry, we’ve got the tools to make sure you’re ready for the Holidays and even boost your bank account. We’re going to share the best tools for trimming your debt, improving your credit, and putting more presents under the tree this year:
1. A Loan Service That Is Faster Than Santa
Founded in 1999, AmOne is another online loan matching platform, that offers a personal experience. AmOne specialists will assist you by understanding your current financial situation and ensure you are connected to the best option. With their large lending and financial network exceeding 100 providers, you can be confident there is no place better to go to ensure you get connected with the best option and receive a top-rated customer experience.
You can borrow up to $50,000, and APR rates will vary based on your creditworthiness.
Fill out a short form on their website, and you will receive an instant response.
2. Use Amazon Stock As A Stocking Stuffer
Building wealth is always on our minds. So if can grab stocks at an affordable price…we do it! Stash is an app that allows you to start investing* in the stock market with just $1.
By purchasing fractional shares in any public company like Amazon, Bank Of America, Capital One, Apple, Kroger, or Walmart, anyone can afford to build real wealth at a price they can afford.
You can build a diversified portfolio with very little money. A Stash Invest account allows you to invest with as little as $.05 cents. When you open a Stash Invest account and deposit at least $5, Stash will give you $5 to invest.
3. Give Yourself The Gift Of A Better Credit Score
Experian Boost™ was built to help people with no credit or bad credit improve their FICO scores quickly. You simply register and connect your bank account to the app. Experian Boost™ will give you EXTRA credit for paying your utility and cell phone bills.
You then choose the positive payment information you want on your credit profile. That’s it! Your score should “Boost” instantly. No credit card is required to register!
If your goal is to get your credit on the right track you must try Boost! Results may vary, see website for details.
4. This Credit Union Can Help You Trade-In Your Clunker For A Cheaper Car Payment
Credit unions were founded on the philosophy of people helping people. Consumers Credit Union (CCU) has been serving customers for nearly a century. Unlike other credit unions, it’s unique that anyone can join, regardless of where you live or work. CCU has over 1,800 Service Center branches nationwide.
CCU offers some of the most competitive auto loan rates in the nation, even for people with bad credit. Credit unions, like CCU, are more forgiving with their lending requirements than banks and other lenders. CCU even allows some borrowers to finance the full purchase amount, with no downpayment. Plus, you will get 24hr mechanical/emergency repair coverage.
Expert Tip: If you open a “Membership Share/Savings Account” with just a $5.00 deposit, CCU can provide you with up to 0.5% rate reduction. Being a member starts your relationship and can provide you access to mortgages, credit cards, or student loans at lower APRs. Checking your rate now will NOT affect your credit score! Rates start as low as 2.6% APR.
5. Protect Your Family With A Term Life Insurance Policy
We all think about taking out a life insurance policy. We’ll do it one of these days. But where to start?
Now, you don’t need to file paperwork or answer uncomfortable questions. You can get a quote for a life insurance policy in minutes from Ladder Life. There are a bunch of policy options, and A+ rated insurers provide all policies. Plus, you don’t have to wait for a medical exam to get coverage. You can get instant coverage right now. You can rest easier tonight, knowing your loved ones are covered if anything were to happen.
Life Insurance can also allow your family to pay for all your unpaid debts. Creditors won’t be able to harass your loved ones. Don’t wait to get covered during these uncertain times. With Ladder, you can have a rock-solid plan in minutes with plans starting at just $25/month.
6. Work Smarter During The Holidays
You may not feel very useful as you scroll your way into the depths of the internet, but your data is actually worth A TON of money to corporate goons.
So, why not take a piece back? With Swagbucks, you can. They give out over 7,000 gift cards a day to customers for Amazon, Walmart, Target, and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account.
It’s easy to make an extra $5 in a one day, by watching a few videos. That translates to some serious extra cash in your pocket each month. Time to buy the serious Christmas lawn decorations and show the neighbors who’s boss this year.
7. Don’t Let Old Man Winter Cost You Money
Now is not the time to run the risk of not getting paid. What would happen to you or your family if you missed 1,2, or even three months of work? Breeze is an online disability insurance company that makes getting disability insurance easy and affordable. Disability insurance is income insurance. If you can’t work, you still need to get paid.
A Breeze disability insurance policy isn’t just for slips and falls. It can cover a cancer diagnosis, grueling treatments that follow, prolonged complications from the flu or a virus, pregnancy difficulties, recovery from a heart attack or stroke, mental wellness issues, and more. Breeze is backed by Assurity, one of the highest-rated disability insurance companies in the U.S.
There are no medical exams required. A free no-obligation quote takes about 90 seconds. you must earn at least $14,000/yr and work at least 30 hours a week. Long term disability plans start at just $9 per month.
8. This Loan Service Isn’t Worried About Your Credit Score
Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison and recommendation engine for financial services created “Fiona”.
Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds, so you can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply. Not even Santa works that fast. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.
9. Make Money Watching Holiday Specials
InboxDollars is one of the world’s leading online rewards clubs, and works with top brand names like Walmart, Netflix, Target, and H&R Block. Earn up to $225 a month shopping, reading email offers, and even watching online TV right on your mobile device.
How it Works: Choose a video selection (topics include TV shows, movie previews, cooking videos and more). InboxDollars lets you know how long each playlist runs from a few minutes to a half-hour. Select a playlist, watch, and earn cash. Signing up with InBoxDollars is fast and easy.
10. Skip The Mistletoe and Get Lucky With Lucktastic
You don’t need mistletoe to get lucky for the holidays. Lucktastic is one of the most popular scratch-off sweepstakes apps ever. They have awarded over $3 million in cash prizes with over 220,000 winners.
Lucktastic isn’t the answer to all your problems, but it’s fun, free, and you have a chance to win real cash now.
11. Get Rid of Cable With No Deposits Or Credit Checks
If you are paying a cable company to watch television, you’re paying way too much! The average consumer pays almost $1,500 a year to watch cable television.
Get AT&T TV for just $39.99/month. You can stream all your favorite live shows, movies and sporting events for a fraction of the cost. Plus, there are no credit checks or deposits to pay!
Millions of Americans are quitting cable every month. The cable company doesn’t need your hard-earned money.
12. Give Yourself A $825 Holiday Bonus
What if someone offered you $825.00? Would you take it? We would! Gabi, an insurance shopping comparison engine, is an essential app that allows average users to save $825.00 a year.
Gabi can help you find and switch to a cheaper insurance rate within minutes - for free! Just download the app, and follow the instructions. Once you’re registered, you will need to allow Gabi to scan your current online insurance account (Gabi is 100% safe and secure).
Gabi will do the rest. Gabi can compare your current rate with other insurance companies like Progressive, Travelers, Nationwide, Kemper, Safeco, and many more.
2020 may not go down as the greatest year in history, but you can make sure 2021 is your best year ever by registering for Dovly!
Dovly is an automated online credit repair solution that can remove errors and misleading information from your credit report. Dovly provides a quick electronic communication with all three credit bureaus and leverages a sophisticated algorithm to optimize corrections that increase credit scores.
Because Dovly is 100% online, it is available 24/7 from any device. There are no annoying call center reps or red tape to deal with. Dovly “soft” pulls your credit, shows you what’s hurting your score, and lets you start fixing mistakes in just seconds. 92% of Dovly users see an improvement in their scores in 6 months or less.
Dovly is offering AQuarter Richer readers a special introductory offer. Try Dovly today and get your credit back on track.