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Creating a budget and starting a savings habit are small steps that could build a stronger financial future.

If you don’t have an immediate need for cash, work on building your credit score.

Once the introductory period expires, the rate on a balance transfer card is usually higher than on a personal loan.

In addition to paying off your balance before the rate increases, you’ll want to avoid making further charges.


A personal loan balance is reported as installment debt, which is treated differently in credit scoring formulas than revolving debt such as credit cards.

A higher score will qualify you for more loan opportunities, lower interest rates and better loan terms in the future. Several personal finance websites, including Nerd Wallet, offer a free credit score.

Look for a site the offers educational tools such as a credit score simulator plus access to your credit report.

Knowing your credit profile before you apply can help set expectations.

Several personal finance websites, including Nerd Wallet, offer free access to your credit score and credit report.

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