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"With so many options available, it’s relatively easy to get a loan, but the impact on your credit and what it actually costs you over time can vary a great deal." Two common forms of small-dollar borrowing are traditional installment loans (TIL.

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A little more than half of used-car buyers, too, relied on credit. It’s not, in and of itself, a bad thing that most cars are not bought outright. The average car costs $33,000 new or $18,000 used. Few of us keep that sort of cash on hand, and.

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Should I consider a low down payment. a monthly rent check can seem like throwing away money, but piling mortgage debt on top of student loans can create a long-term budget crunch. "With student loan debt, your asset is your.

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