Uaʻike kaʻoihana hāʻawi kālā i kahi wikiwiki hou o nā mea hou i komo i loko o kaʻoihana pilikino pono'ī. ʻO kēia, hoʻomaka nui, nā poʻe e nānā nei e lawelawe i kahi hui mālamaʻoleʻia aʻoiʻole o ka poʻe noiʻi. Ua hana kēia mau mea kālā i kahi ala hou e pili ana i ka laikini a me nā hilinaʻi kū hoʻokahi no ka hāʻawiʻana i nā kālā kālā pilikino i nā'ōpio'ōpio me nā moʻolelo loiloi liʻiliʻi a me nā limahanaʻike i ka hapa kālā i hōʻinoʻia. Hiki i kēia mau koho ke kōkua i ka hōʻemiʻana i ka pono no ka lā palena a me nā loina ukana - e nānā pono ināʻikeʻia inā loaʻa kahi kālā pilikino ma kāu moku'āina.
He nui nāʻano loiloi pilikino pono'ī,ʻo kekahi o ia mau mea he mau hoa ukiuki ,ʻo ia hoʻi, hiki i kou hoa pilikino ke kākoʻo i kāu noi. Eia ka nānāʻana i kekahi o nā mea kōkua pilikino pono'ī no nā'ōpio'ōpio, he mau millennials e nānā ana i ka hōʻai'ē lilo i nā haumāna, nā poʻe e loaʻa nei me kaʻae aie kāleka a me nā mea i emiʻole ka nui o ka helu hōʻai'ē.
ʻO ka hapa nui o kēia mau koho e hāʻawi ana iāʻoe i ka manawa eʻike ai i nā uku kūpono me kaʻole e hōʻeha i kāu heluʻai.
LIKEFi
ʻO kaʻoihana kālā,ʻo ka mea iʻike nuiʻiaʻo SoFi, he hana pilikino pili kālā e pili ana i ka kōkuaʻana i nā'ōpio'ōpio i ka moʻolelo loiloi liʻiliʻi (akāʻo ka hōʻoia o ke kuleana ma nāʻano'ē aʻe).
Hoʻolahalahaʻo SoFi i ka moʻolelo o ka moʻolelo o kahi kanaka, ka hana i kēia manawa, kekelē a me ke kulanui a me nāʻano likeʻole e like me ka helu'ai'ē . Ke nānā aku neiʻo SPI i nā mea i kohoʻia ma luna o ka pae kiʻekiʻe aʻaʻole hiki iā ia keʻae i kekahi me ka heluʻaiʻai ma lalo o 700.
Hiki i nā mea hoʻokele ke huli iā SoFi no:
- Nā loina pilikino
- Hoʻoulu kālā hōʻai'ē haumana
- Nā Mokuna
- Ke kūʻai kālā hoʻoili
- ʻO nā hōʻai'ē mākua
- Mālama PLUS hoʻolimalima
- Nā loans MBA
ʻO nā lālā APR e pili ana i ka huahana, akā, e hoʻomaka nā pāʻani pilikino me ka palena paʻa o 5.50 pakeneka ma nā huina $ 5,000 a $ 100,000.
ʻO nā loina pilikino he ukuʻole me ka loaʻaʻole o nā uku kuhihewa a iʻole nā hoʻopaʻi hoʻopaʻi mua (akā, he mau uku ināʻaʻoleʻoe e mālama i nā uku ).
Hiki i nā mea keʻike inā he maikaʻi maikaʻiʻo SoFi me kaʻole e hōʻeha i kāna helu'ai'ē: SoFi he "humu huki" i mea e hoʻoholo ai i nā pālākihi i ka nānāʻana i nā mea kūʻai. ʻAʻohe pilikia i kaʻikeʻana inā he kūpono maikaʻiʻo SoFi loea aʻaʻohe kuleana e lawe i kahi hōʻai'ē.
Uku aku
Ke noi neiʻo Payoff e kōkua i kahi pilikia: kāleka kāleka kāleka. ʻOiai e hāʻawi anaʻo SoFi i kahi mau haʻawina hōʻai'ē, Payoff maikaʻi wale nō me nā poʻe e ho'āʻo ana e uku i nā kāleka kāleka.
ʻO nā kānaka e hakakā nei me kahi hōʻai'ē kāleka hōʻai'ē e hiki ke noi no kahi hōʻai'ē me Payoff, e hoʻohana i ke kālā no ka ukuʻana i nā kaulike kāleka kāleka a laila hoʻomaka e hana i kekahi uku i Payoff - me ka manaʻo maikaʻi me nā uku hoʻolālā haʻahaʻa.
E like me ka SoFi, hiki i kekahi keʻike i ka uku me kaʻole e hōʻeha i ka heluʻaiʻai no ka hoʻohanaʻana o Payoff i kahi humu huki.
ʻO ke kumu kūʻai mai ka 7.96 pakeneka (10 pakeneka APR) i 19.54 pakeneka (22 pakeneka APR) no ka 60 mau mahina.
Ponoʻoe e uku i ka hapanui o ka helu he 660 aʻoi aku paha, ʻo ka lakene i loaʻa i ka hapanui he 40 pakeneka a emiʻole paha,ʻaʻole iʻekolu mau makahiki o ka hōʻai'ē hōʻai'ē,ʻaʻole pili kālāʻauhauʻole, nā mahina heʻeono hope loa.
Aloha
Kūʻawiʻo Vouch i kekahi o nāʻano likeʻole o nā laikini pilikino ma ka mākeke. E like me ka inoa e hōʻike ana, loaʻa nā poʻe noiʻi i nā kānaka e noi aku iā lākou, aʻo ka mea i hoʻohuliʻia i ka APR ma kahi hōʻai'ē.
Pono e loaʻa i kahi mea noi e loaʻa iʻelua mau pono a e kūpono i nā koho hoʻoili kālā a Vouch e hiki ai keʻae i ka hōʻai'ē. Aia he 600 FICO'ōkuhi kaulike a me nā manaʻo e pili i nā kānaka e uku i kahi kālā keʻoleʻoe e loli ma ka hōʻai'ē, e like me kahi mea kau pū .
ʻO ka nui o nā kānaka i makemake,ʻo ka nui o ka hōʻai'ē kālā a emi iho i ka APR hiki ke loaʻa i kahi kanaka. Loaʻa i ka Vouch kahi pāpale momona liʻiliʻi me ka $ 7,500 o ka mea nui loa e hiki ke hāʻawi.
Aia kahi hehi mua o ka hoʻokahi a elimaʻelima aʻaʻole hoʻi he nīnau paʻakikī e hoʻohana aʻike i nā uku. Akāʻo nā mea noi e noi i kahi kikowaena ikaika e hiki ai ke hoʻonui i ka Vouch.
Lending Club
E like me nā koho hoʻoili pāʻani'ē aʻe, Lending Club e hāʻawi i ka manawa kūpono eʻike ai i ka uku me kaʻole e hōʻeha i ka heluʻai. Hiki ke hāʻawiʻia nā loans no ka poʻe i loaʻa ka heluʻai he like 620 me kahi APR o 6.48 pakeneka i 29.99 pakeneka ma muli o ka noe a me ka lōʻihi o ka hōʻai'ē . E hoʻomanaʻo wale iho,ʻo ka hapaʻai uku haʻahaʻa,ʻo ke koʻikoʻi o ka palapala kākau.
ʻO ka Lending Club e hāʻawi ana i nā laikini ma 24, 36 a 60 mau mahina no kahi liʻiliʻi he $ 1,000 aʻoi aku paha i $ 35,000. E loaʻa kahi hua mua o ka hoʻokahi a elimaʻelima aʻaʻole hoʻi he uku hoʻopaʻi mua.
Ma mua
Avant (ma mua o ka AvantCredit) e hāʻawi i nā laina pilikino ma keʻano o ka uku kālā uku no ka poʻe i hikiʻole ke kūpono no ke kālā pilikino me kekahi mea hāʻawi kālā a me nā mea hoʻolako kālā pilikino me ka palapala kākau. Ma mua o kaʻaeʻana e hōʻoia i nā heluʻai he haʻawina he 550, akā, he 600 a 750 keʻano o ka lehulehu.
Hāʻawi kēia i nā koho i ka poʻe noiʻi hōʻailona me nā hōʻailona nāwaliwali a i hōʻinoʻia paha e nānā ana e pale i ka mea uku uku . ʻAʻole e hōʻeha i ka hōʻai'ē hōʻai'ē Avant i kahi heluʻai.
Loaʻa nā pānaʻi mua ma ka 12 a 60 mau mahina ma kahi $ 1,000 a $ 35,000 me nā APR o 9.95 a 36.00 pakeneka ma muli o ka moku'āina.
ʻAʻole ia e hōʻeha i ka kūʻai a puni
ʻO ka helu helu hoʻokahi ma ka huliʻana i kahi hōʻai'ē pono ke kūʻai aku a puni. Ma ka likeʻole o ka noiʻana i nāʻano kālā'ē aʻe, nui nā hāʻawi kālā pilikino e hāʻawi i ka manawa kūpono e nānā i nā uku me kaʻole e hōʻeha i ka hōʻai'ē. No laila, e hāpai i ka manawa e nānā a puni kaʻae maikaʻi loa e kū aiʻoe.