个人贷款会损害你的信用吗?

Many people use personal loans to help buy the things they need when the cost exceeds their savings. 你可能需要买新的电器, 修理你的车辆, 为婚礼之类的活动买单, 或者别的什么.

An important consideration when applying for a personal loan is whether it will hurt your credit score. This isn’t something to be taken lightly since your credit score can impact your life in several different ways.

为什么拥有良好的信用很重要?

Although having a good credit score can help you get approved for a loan, 它会以其他方式影响你. There are also some things you may not be able to do if your credit score is low.

例如，您的信用评分可能会被检查：

• 获得实用程序
• 获得工作机会
• 出租公寓
• 获取手机服务
• 为你的汽车保险争取一个好的价格 

个人贷款是如何运作的?

个人贷款 are offered by both banks and credit unions and they can be used for many different purposes. There usually are few or no restrictions on what you can do with the money you borrow. 它们通常也有固定的利率.

个人贷款 are sometimes called signature loans because they don’t require any collateral. 如果你被批准了个人贷款, you will receive a lump-sum payment for the full amount you borrow. 然后你将按月固定还款.

The amount you can borrow with a personal loan varies depending on the lender. At San Francisco Federal Credit Union, our personal loans range from $500 to $50,000. The repayment term usually depends on how much you borrow. GPK电子游戏的期限从61天到84个月不等.

个人贷款会损害你的信用吗?

当你申请个人贷款时, a “hard” credit check will be done to see if you have a good payment history. A hard credit check is typically done when you apply for credit. This type of credit check temporarily decreases your credit score a small amount, 但只有一年. 

“软”信用检查, 另一方面, is done for other purposes—like when you apply for insurance or when you apply for a job. 软信用检查不会影响你的信用评分.

This small and temporary decrease in your credit score may be offset by the benefits of having a personal loan. Having a personal loan may help your credit score in several ways—as long as you make all of your payments on time.

Some lenders offer special personal loans—called credit builder loans—just to improve credit. The idea is to repay a small loan over a year so that your timely payments will be reported to the credit bureaus. At GPK电子游戏, we offer a share secured personal loan as well as a secured 信用卡, with a payment history of both reported to the bureaus to help you build your credit. 

个人贷款如何提高你的信用?

There are three important ways that a personal loan can help you improve your credit score. It’s important to keep in mind that credit scores don’t change quickly. 你的分数可能需要几个月的时间才能提高.

按时支付

当你偿还个人贷款时, they are reported to each of the three credit reporting bureaus (Equifax, TransUnion, 益百利). 只要你在到期日之前付款, 他们会帮助提高你的信用评分.

多样化你的信用组合

A factor that makes up 10% of your credit score is something known as the credit mix. This refers to the different types of credit accounts that you have. Having a mix of credit indicates that you are good at handling credit. A personal loan could help to diversify your credit mix and improve your credit score.

合并高息债务

One way that a personal loan may help your credit is if you currently have several high-interest debts, 比如信用卡或信用卡债务. The more debts you have, the more difficult it is to keep up with them. If you start missing payments, it will harm your credit score.

这个问题的一个潜在解决方案是 债务合并贷款，就像GPK电子游戏提供的那样. These loans allow you to borrow the money you need to repay your high-interest debts and replace them with one loan. A 债务合并贷款 is easier to keep up with, and it will have a lower interest rate.

巩固债务 with a personal loan may also help you lower your credit utilization ratio, 这将有助于你的信用评分. Your credit utilization ratio is the percentage of your credit limit that you’re currently using. 一次使用太多会损害你的信用评分.

个人贷款 don’t factor into your credit utilization ratio. 正因为如此, the consolidation of certain debts with a personal loan will allow you to quickly pay them off. This will help to lower your credit utilization ratio and improve your credit score.

还有其他方法可以提高你的信用吗?

Another option to consider for paying off your unsecured loans to improve your credit is a debt management plan, such as the one offered by San Francisco Federal Credit Union’s partner, 平衡.

债务管理计划 是由信用咨询机构提供的吗. 如果你和平衡这样的机构合作, a credit counselor will create a plan to help you pay off your unsecured debts in three to five years.

An important benefit of a debt management plan is that you make one payment each month to the agency for all of your unsecured debts. 然后，代理机构代表你分配付款. This ensures that all of your payments will be made on time. A counselor will also try to negotiate lower interest rates and have fees waived for you.

你在哪里可以获得个人贷款?

There’s a reason why personal loans are among the most popular financing options. They are quick and convenient, and the money you borrow can be used for many different purposes.

但是，你在哪里可以获得个人贷款呢?

一个好消息! If you are interested in applying for a personal loan, you have several options. Click below to learn about where you can find personal loans in the San Francisco area. You may be closer than you think to borrowing the money you need.