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We believe that having credit isn’t the problem it’s how credit is used that leads into debt. Debt is the ball-and-chain that prevents us from truly living a passion filled purposeful life. On the other hand, credit allows us to finance large purchases by enabling us to pay for the purchase in smaller installments.

Managing credit is important to ensure it’s used to benefit you and not create stress. Applying for credit can serve many purposes such as reducing the interest rates and the total cost of a loan, it can help lower payments to make them manageable, it can also make some dream purchases more attainable through monthly payments.

We know the biggest debt struggle many people face is with credit cards and student loans but there are options available to lower the cost of these types of credit and loans. Consider some of these options below.

We’ve reviewed the following loan products and you can read the entire reviews on Phroogal Reviews.

Personal Loan Reviews