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Top Loan Options for Young Adults

As you get older, it becomes up to you to decide how to handle your finances. You must decide how you will earn money to buy clothes, go on dates or pay for school. In some cases, you may be able to pay for expenses with cash. However, you may need a loan to make larger purchases or pay for college. What are some of your loan options?

Apply for a Credit Card

The common type of loan for a college student or someone just out of college is a credit card. You will be extended a credit line of anywhere from a few hundred dollars to a few thousand dollars. The amount of the loan will be determined by your credit history, your income and your age. If you are under 21, you may be deemed too risky for anything other than a student card that comes with a balance of less than $1,000.

Personal Loans Can Be Helpful

Another loan that you may be eligible for is a personal loan. Personal loans can be used to consolidate debt, finance a vacation or help you get the money needed to start a business. The lender will provide you with money that is deposited right into your bank account. From there, you can do whatever you want with it as long as it is repaid.

Peer Loans May Be Something to Look At

A peer loan is a loan made by another person as opposed to a bank or financial institution. Peer loans are like personal loans in that you will repay the loan with interest over a set period of time. However, there may be fewer restrictions as to how much you can borrow and what type of credit you need to be approved for a loan. This is because an individual may be more forgiving of your shallow credit history or of past indiscretions with money.

Loans Can Be Made From a 401k

If you have a 401k that allows for loans, you may be able to borrow against your retirement fund without penalty. You can borrow up to 50 percent of your current loan balance up to $50,000. There is no credit check, and the money goes back into your retirement, which means that you are paying yourself for the right to borrow your money. It may also be possible to withdraw money from a retirement account to help pay for a home or medical expenses without incurring any penalties.

Applying for a loan may make it possible to stay financially afloat while you look for a job or a steadier source of income. It may also be possible to use a cash advance to make a large purchase that will help increase your net worth. Remember, you should never borrow more than you need or can afford to repay in a timely manner.

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