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How to buy your first car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with interactive financial calculators and tools as well as publishing objective and original content, by enabling users to conduct research and compare information for free to help you make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site come from companies that pay us. This compensation may impact how and when products appear on this website, for example such things as the sequence in which they be listed within the categories of listing in the event that they are not permitted by law. Our mortgage, home equity and other home loan products. But this compensation does affect the information we publish, or the reviews appear on this website. We do not include the universe of companies or financial deals that could be accessible to you. FG Trade/Getty Images

4 min read Published March 02, 2023

Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of taking out loans to purchase a car. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are enthusiastic about helping readers gain the confidence to manage their finances through providing concise, well-studied information that reduces complex issues into digestible chunks. The Bankrate promises

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We make sure that everything we publish ensures that everything we publish is accurate, objective and trustworthy. The loans reporter and editor are focused on the points consumers care about the most -- the various kinds of loans available and the most competitive rates, the top lenders, ways to repay debt, and more -- so you'll feel safe making a decision about your investment. Editorial integrity

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There are money-related questions. Bankrate can help. Our experts have helped you understand your money for over four years. We are constantly striving to give our customers the right advice and tools required to succeed throughout life's financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our information is trustworthy and reliable. Our award-winning editors and journalists produce honest and reliable content that will help you make the right financial choices. The content we create by our editorial staff is factual, objective, and not influenced by our advertisers. We're honest about how we are in a position to provide quality information, competitive rates and useful tools for you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and services or by you clicking on specific links on our website. Therefore, this compensation may affect the way, location and when the items appear in listing categories, unless the law prohibits it for our mortgage home equity, mortgage and other home loan products. Other factors, such as our own proprietary website rules and whether or not a product is available within the area you reside in or is within your self-selected credit score range could also affect the manner in which products are featured on this site. While we strive to provide an array of offers, Bankrate does not include details about every financial or credit product or service. The median monthly cost for a used vehicle came to $526 during the quarter-fourth of the year 2022 and brand new vehicles were higher at $716, according to . For a new buyer, numbers this steep can be daunting and more daunting if you're not familiar with the process. However, confidence is about preparation, so you should take time prior to going online or to a dealership to understand the key actions to follow when purchasing your first automobile. 1. Determine how much you can pay for buying a car that is successful is to first determine . Your credit score, monthly income, and the kind of car you'd like to purchase should all factor into the decision. The most important thing is to find a compromise between meeting your budget and finding the perfect car to meet your requirements. When budgeting, look at the , not just the price is advertised. The actual price for the car is the total amount you'll be required to pay, which includes tax and dealer charges. Once you have that number or an appropriate estimate -- factor in your average salary and make use of an, which can assist you in determining what the monthly cost to finance the car will be. Tips from Bankrate

Car ownership has its own costs, the responsibility of paying for it, so make sure that you have room in your budget for any additional expenses.

2. Reserve money for a down payment Your future car is the initial lump sum you will pay. Aim to cover at least 20% of the purchase price, which could take some time. Saving up for a is likely worth it if you hold off buying an automobile until you've got the money. This will help you save money overall and lower your monthly costs. If you are unable to put off making a lower down payment. However, you may not be able to get a favorable rate from your lender. In this instance, think about a less pricey vehicle instead. The less you pay overall and the lower your monthly expenses, the less you'll have to pay to pay for a down payment. 3. Take a look at your credit history If this vehicle is your first significant investment in a financial institution, it's likely that you don't have an extensive credit history. If this is the case, check your credit history to determine what loan options are available. Credit scores are the most important element that lenders look at when determining the interest rates that you can expect to receive. The better your credit, the more favorable your interest rate will be. Verify your credit score prior to meeting with a dealer. You can do so on the internet or at no cost at . It is worth waiting to make sure your credit is in good shape before applying for car financing If you are able to. 4. Find the best car for you. Deciding which car is right for you requires many more factors than just color or style. Take into consideration other aspects, like the car's durability, size for your requirements, the latest technology, safety features, gas mileage and the climate in which you reside. Take a look at these figures and additional details about how much the car you're looking at sells for. It is also a good time to determine if you'd like to purchase to purchase a . Although a brand-new car is an exciting option, certified used (CPO) can give you an affordable price and still offer modern features as well as a warranty from the manufacturer. And if you aren't forced to take the car out whenever you can it is possible to get a better deal by waiting . 5. Prequalify for financing After you gather some information on the kind of car you wish to purchase and your financial situation, you can look for lenders that provide prequalification. This is essential to save money as well as putting you in control when it comes to selecting the best financing option available. Prequalification differs from full approval, and so even when the prequalification process is completed, it's not a complete agreement. Preapproval, however, will give you an idea of potential costs and terms. It is still necessary to fill out an application form, but you will be able to determine whether you are able to afford the loan ahead of time. The following are required when you apply to prequalify your finances and income. Personal information. Employment information. Any current debt. 6. Go to the dealership- in person or online after obtaining a prequalification for an loan and setting your sights on the car you want to buy now is the time to begin the purchasing process. Ideally, you should to see what vehicles are available in your region. A majority of dealers list their inventory on their websites and allow you to set up appointments. It is important to get behind the steering wheel of your prospective car and take it on an initial test drive prior to making a buy. Make sure you adjust the seat, and determine if it fits into your garage and is able to manage your daily routine. You aren't limited to dealers that are local to you. Online dealers such as Carvana, TrueCar and Vroom provide access to the entire inventory of used vehicles. You can search and apply for financing from the comfort of your home and, when you choose the car you want, you can get up to seven days to test the car, and then take it . 7. Negotiate Negotiation may be intimidating however, finding the right deal boils from standing up for yourself. Come prepared with any paperwork needed, a firm knowledge of your credit score and be prepared to inquire. But the most important thing to remember is: be ready to leave if you don't secure the loan you want. When the time has come to close the deal be firm on the deal's agreed-upon amount. The dealer is likely to press for . Don't accept options such as paint protection or fabric in the event that an additional option like gap insurance might be more beneficial. Next steps Negotiation can feel intimidating However, getting the best deal comes down to being a strong advocate for yourself. Be prepared with all the paperwork needed, a firm understanding of your credit score and ask questions. Focus on the purchase price instead of the monthly payment. And be prepared to walk away if aren't able to get the deal you're looking for. When it's time to close the deal, be firm on the agreed-upon number. You can expect the dealer to insist on . Don't be averse to options such as paint protection or fabric, when an add-on like gap insurance could be more beneficial. Learn more

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The article was written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ways and pitfalls of borrowing money to purchase a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to take control of their finances with precise, well-researched and well-researched details that cut complicated topics into digestible pieces.

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Other Articles Related to Auto Loans 4 min read Mar 03 2023 Car Insurance 7 min read Feb 15th 2023 Auto Loans 4 min read Oct 13, 2022. Auto Loans five minutes read on Oct 10 2022

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Debt Settlement: How it works and the risks you face

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The Debt Settlement Process: What is It Works and Risks You Face

By Bev O'Shea personal finance writer | MSN Money, Credit.com, Atlanta Journal-Constitution, Orlando Sentinel Bev O'Shea is a former NerdWallet authority on consumer credit, scams and identity theft. She holds a bachelor's level degree in journalistic studies from Auburn University and a master's in education from Georgia State University. Prior to joining NerdWallet she was employed by newspaper publishers, including daily ones, MSN Money and Credit.com. Her work has been featured on The New York Times, The Washington Post, the Los Angeles Times, MarketWatch, USA Today, MSN Money and elsewhere. Twitter: @BeverlyOShea.

Updated Jun 24, 2022 10:58 AM PDT

Editor: Kathy Hinson Lead Assigning Editor Personal financial, credit scoring, managing money and debt Kathy Hinson leads the Core Personal Finance team at NerdWallet. Previously, she spent 18 years with The Oregonian in Portland in capacities such as chief of the copy desk and team editor and designer. Prior experience includes news and copy editing for many Southern California newspapers, including the Los Angeles Times. She received a bachelor's degree in mass communication and journalism from The University of Iowa.

Many or all of the products we feature are from our partners who pay us. This affects the products we feature as well as the place and way the product appears on the page. However, this does not influence our evaluations. Our opinions are entirely our own. Here's a list and .

Table of Contents

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The term "debt settlement" means that a creditor has accepted less than the amount you owe in full as a payment. When it has accepted that offer it is no longer able to harass you to collect the cash and you don't need to worry about the possibility of be sued for that specific debt.

It may sound like a good deal however, debt settlement could be risky.

Debt settlement can destroy your credit.

The process of settling a dispute can take a long time achieve -- typically between two and four years.

It isn't cheap.

If you're successful at debt settlement, it can take years before you realize that you owe tax on any forgiven debt. If you choose to use a debt settlement company that charges fees. This is the last option.

Track your debt the easy method

Sign up with NerdWallet to view your payment schedule and breakdown of your debt all in one spot.

How does debt settlement work

Debt settlement comes into play only if you've got a large number of late or skipped payments and even collections accounts. A creditor or collector will not accept less than you owe if there's evidence that suggests you may not have the amount the amount you initially agreed to.

Your will have been shredded and you'll feel hopelessly behind and your income will not be enough to pay the debts you owe.

Debt settlement companies work with creditors to cut down the amount of debt you have to pay, mainly on debt that is not secured like credit cards. It's not an option for some kinds of debts for example, a home that is foreclosed or a car that may be repossessed. The majority of companies do not pay federal student loans, but you might be eligible to . If you're having trouble paying your student loans, an might help you.

Settlement offers only work if it seems you won't pay at all, so you stop making payments to your debts. Instead, you establish a savings account and put the monthly installment there. If the settlement company is convinced that the account has enough to warrant a lump-sum payment and talks on your behalf to the lender to accept an amount that is less.

Readers can also ask questions.

Do debt consolidation loans hurt your credit?

The debt consolidation process can improve your credit score if you pay on time or shrinks balances on accounts that are revolving in particular if credit card balances were exceeding their limits. Credit is affected if you run up credit card balances again, close most or all of your other cards or make a late payment on the credit consolidation loan.

What can I do to reduce my credit card delinquence?

Bankruptcy and debt settlement can reduce or completely eliminate debt from credit cards, however they can severely affect your credit score. Debt management reduces interest ratesand the effect on your credit is less severe. It can also reduce interest rates as well.

How can I lower my credit card?

Reduce your debt by three steps. Get a handle on what you owe. 2. Assess which payoff strategy will best suit your needs. 3. Set a goal and keep track of your progress.

Debt settlement risks

Some companies offering debt settlement say they can reduce the amount of debt you owe by 50 percent and get your debt free in only 36 months.

But, the process isn't as simple or as straightforward as it appears. We believe that debt settlement should be a only option in the end.

Here are the potential risks involved with the settlement of debt:

Your credit rating will take a hit If you're still not in debt on your accounts and you're not, you'll be after you redirect debt payments towards an account for settlement. Debts that are owed and owing off by lenders remain on your for seven years.

Penalties and interest continue to accumulate: You'll most likely be hit with late charges and penalty fees as well. Interest will continue to accrue on your balance.

There's no assurance of success: The two largest companies for debt settlement are and . Freedom Debt, for instance claims to have paid greater than 10 billion dollars in debt for more than 650,000 customers since 2002. However, there's no guarantee that the debt settlement company will be able to settle your debt for significantly less, considering certain creditors don't negotiate with them.

According to a study by the Center for Responsible Lending, which is a non-profit research and policy institute the majority of consumers will need to settle at least four accounts before receiving a net gain. Additionally, the amount of debt can increase as fees accumulate and aggressive attempts to collect might continue throughout the negotiation process.

You must pay the cost when a debt settles: By law, these companies can't charge you upfront fees. They typically have a percentage charge for each amount they pay, depending on that debt's balance when you enrolled into the program. Some charge a percentage of the debt eliminated by the settlement.

For example, say you owe $10,000, and an agency agrees to negotiate a deal for $6,000. The agency is charged 25%.

If the agency charges a percentage of debt that is settled that is, you'd pay the debtor the amount of $6,000 and pay an agency $2500 in charges (25% of the $10,000 balance enrolled). Total: $8,500.

If the agency has a percentage charge for eliminating debt, you'll pay the creditor $6,000 and the agency $1000 in fees (25% of the $4,000 of eliminated debt). Total: $7,000.

You'll pay additional fees: Besides the fees due the debtor when the debt is settled clients may be charged additional fees, such as an initial setup fee and a monthly fee to keep the account set up under the program.

The debt that you forgive could be tax-deductible Also, you should consider that Internal Revenue Service generally regards forgiven debt as income. You may want to consult an accountant about any additional tax obligations you'll be taking when you settle your debt.

If you decide to engage the services of a debt settlement professional Be careful. It's easy to let your guard down when you're in a state of desperation and are able to see the promises of . A study by the National Consumer Law Center has stated that debt settlement firms are "almost never worthwhile and can get consumers into even more financial difficulties."

The Consumer Financial Protection Bureau takes a somewhat softer view, but still cautions consumers strongly, saying that dealing with these firms is risky and that other alternatives should be considered first. Over 300 complaints about debt settlement companies to the CFPB from 2014. The most frequent complaints included fraud and fees that were too high.

Alternatives to debt settlement

Michael Bovee, a debt settlement coach, and often a critic of his industry (he has testified before the Federal Trade Commission in favor of more regulation), advises erasing your debt through Chapter 7 bankruptcy and starting from scratch, if you've got the choice.

For borrowers who are overwhelmed by debt that is not secured, like credit cards, think about how your options compare with . It is usually the better choice. Yes, bankruptcy will ruin your credit for years however, the process of rebuilding is able to begin right away. Consultations with a bankruptcy lawyer are generally free, however you'll have to pay filing and legal fees if you decide to go this option.

"If you are able to erase your debts in the form of a Chapter 7 bankruptcy, that's the best option over trying to settle settlements," says NerdWallet columnist Liz Weston, author of "Your Credit Score" and "Deal with Your Debt." "Only if Chapter 7 isn't an option -- you refuse to declare bankruptcy, or if you only be eligible for an Chapter 13 repayment plan -- should you consider the possibility of settling your debt."

If you aren't eligible for a bankruptcy or don't intend to make one happen, consider a offered through a nonprofit . The option you choose to take won't generally reduce the amount that you'll have to repay, but it may reduce your monthly payments by spreading them out or by reducing your interest rate. It's less likely to have an impact on your credit than bankruptcy or an agreement to settle debts.

If you decide to pursue settlement, you can do so.

If you feel that debt settlement is the most effective or most appropriate choice for you, and you'd like assistance with the debt resolution option, Bovee has tips for selecting a company with care:

Check with the to see the history of complaints.

Avoid any business which offers cash in advance or promises that the debt will be paid.

Make sure fees are structured in a proportion of debt eliminated rather than of the debt balance at enrollment. This provides the business with a reason to trim more of your debt.

Do not trust companies that claim that they will help you contest debts to have them declared "invalid" (a tactic that could backfire, resulting in more aggressive enforcement towards you).

If you're not planning to use a debt-settlement company think about hiring a lawyer or making it your own.

A lawyer can charge by the hour, have one flat fee per creditor or take a percentage of the debt or debt that is eliminated.

Once you're significantly behind you are, it's not a bad idea to reach out to your creditors. Some banks have hardship programs that may be able to assist. However, make sure you are able to afford any reduced payment options your bank might provide.

If you're considering trying learn about the likely outcomes.

It is possible to collect the most cash you can in order to make a lump sum offer, whether this means working part-time, selling sports equipment that's been languishing in the basement or taking money out of your cousin. (Creditors might be more likely to accept a lump-sum deal as it allows them to pay immediately, rather than making a bet on payments that might not come.) Be aware that some creditors might have a policy against settlement of dues.

Author bio Bev O'Shea was a credit reporter at NerdWallet. Her work has been featured in the New York Times, Washington Post, MarketWatch and elsewhere.

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Carputty Auto loan review. Published 2023-01-26, 15:27:17.

Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ways and pitfalls of borrowing money to purchase an automobile.

Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since the end of 2022. He is a fan of the clarity of his reporting, which helps readers successfully get deals and make most appropriate choices regarding their finances. He specializes in auto and small business loans.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators as well as publishing objective and original content, by enabling users to conduct research and compare information for free and help you make sound financial decisions. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that pay us. This compensation may impact how and where products appear on this website, for example such things as the order in which they may be displayed within the listing categories, except where prohibited by law for our mortgage, home equity and other products for home loans. But this compensation does not influence the information we provide, or the reviews you read on this site. We do not contain the universe of companies or financial offerings that could be accessible to you.

Reviewer's disclosures: All reviews are prepared by staff. The opinions expressed are solely those of the reviewer and are not reviewed or approved by any advertiser. The information that is included, including rates and fees that are included in the review is accurate up to the date when the review first appeared. Review the data in the upper right hand corner of the page and the lender's website for the most current details.

A glance 4.0 Rating: 4 stars out five

Bankrate Score

Availability Score: 4.3 stars out of 5

Cost of Affordability: 2.8 stars out of five

The Customer Service Rating is 3.8 stars out of 5

Transparency Rating: 5 stars out of 5

Compare rates for auto loan rates

Carputty Loan Lines ranging from $25,000 to $250,000.

Min. credit score Unspecified

APR ranges from 7.14%-9.64 Percent

Funds available as early as the next day.

The pros and cons of using Carputty are that Borrowers may borrow for greater than typical amounts, and also benefit from quick funding. However, the product isn't available in every state.

PROS Car buying assistance

Maximum amount of loan loan amount

Preapproval

CONS High minimum APR

Inconsistency in repayment terms

Carputty is an internet-based direct lender that offering unique line of credit funding process called Flexline. With just one application, customers can control all their cars over the duration of their ownership using the line of credit. Carputty encourages its borrowers to manage their car loans like they would similar financial investments, allowing for flexibility in when to buy or sell.

Do you qualify? Carputty does not provide specific criteria for income or credit score, but to apply, borrowers must be 18 years old employed, and a legal resident of the United States. Residency. You must be a resident in the states listed below: AK, AR, AZ, CO, CT, DC, FL, GA, IA, IL, KY, MA, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA or WI. Vehicle. The vehicle that is to be used for financing must be a model year less than eight years prior to the time of the application, and have fewer than 85,000 miles. Loan-to-value. For those purchasing used vehicles The LTV must not exceed 110 percent (for used vehicles in the current year, the value is defined to be 90 percent MSRP). For new vehicles that are brand new, the LTV must not exceed 100 percent of MSRP. We like it and what we do not like Flexline program makes vehicle financing an easy process, Carputty might not be the best lender for every driver. What we like Car buying support. Carputty offers borrowers assistance in the buying process by using the V3 tool, which assists buyers determine the best time to purchase. The maximum loan amount. Creditors can borrow up to $150,000 per vehicle or $250,000 for the entire amountat the top end when compared to conventional competitors. Preapproval. With the option of applying for , you will know the approximate monthly payment before signing off for your loan. What we don't like High minimum APR. A starting APR of 7.14 percent may be a bit steep. Those with excellent credit may obtain better rates in other places. Uncertain terms for repayment. Your balance is subject to 36-month repayment terms, but you can extend it by a set amount or pay it off early -- none of which are spelled out on Carputty's website. Contact information for Carputty Carputty provides customer support on a daily basis through its chat feature on its website from 8 a.m. to 6 p.m. EST or over email via email at help@carputty.com. Outside of the chat function, Carputty has a fairly detailed FAQ section which outlines the process of applying and financing. Auto loan types are available. Carputty offers auto loans for people who wish to finance a new or used car, to refinance an old loan or even the process of a lease buyout. Credit lines can vary from $25,000 to $250,000. Individual advances can range between $10,000 and one hundred thousand dollars (provided you have that amount of credit to draw upon). The terms for repayment are complex. If you're approved to use a line of credit and you're given 24 months to start using it or it will close -and it's open for use indefinitely. Putting a balance on the LOC by financing a vehicle begins a 36-month period. After the 20th month it is possible to maintain your current repayment schedule, refinance for a further 24 months (extending the term of your repayment) or pay off the loan early. The V3 appraisal tool, developed by Carputty helps to predict when the time to sell your vehicle is dependent on market data. Valuation can be run ahead of loan application directly on the Carputty site. It tracks and monitors the vehicle's value so that anytime during ownership you can choose to sell based on market trends. Used and new auto loans

Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%

The highest maximum loan sum of $250,000 is what makes Carputty an ideal option for those who are financing an expensive new vehicle or multiple vehicles at once. Refinance

Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%

Refinancing your existing vehicle loan can provide you with lower monthly payments or better rates. Make use of this opportunity check to see if refinancing a loan could truly save you money. Lease buyout

Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%

If you're interested in purchasing your lease-owned vehicle, Carputty offers assistance and assistance throughout the entire process. A lease buyout could help you to avoid steep wear and tear fees and let you hold onto your current vehicle. How do you apply for an auto loan through Carputty The application for an auto loan through the Carputty site with approval likely in a matter of minutes. Through only one application you will be provided the option of a flexible line of credit that is able to be used at any point. When you first apply you'll have to go through a soft credit check followed by a hard credit pull when the credit line is finalized. The Atlanta-based lender may also perform a soft credit pull every 45 days to check your credit. According to the website the interest rate you pay is based on your score on credit, not vehicle details like the year, make or model this is a distinctive advantage over traditional lenders. But if you have poor credit, it is wise to that use other underwriting criteria, unlike Carputty. Funding can become available as soon as the day you apply. After approval, you'll gain access to a secure dashboard on which you can monitor your current loans or purchase new vehicles.

Required application information Contact information for Social Security number Proof of employment

Contrary to many other lenders, Carputty does not require vehicle information until after the preapproval procedure has been completed. After that you'll input your information about your vehicle, such as model, year, make and license plate number onto Carputty's dashboard. Carputty dashboard.

Carputty FAQs

Is Carputty a reliable lender? Sure, Carputty has been certified by Better Business Bureau since early 2022 and aims to expand its coverage throughout the state.

Can I obtain an auto loan with Carputty if I have poor credit? Carputty uses credit score as the main factor in determining risk so those with poor credit might not get the best rates. Instead, check out the options available to .

How can I repay my car loan by using Carputty? You can make or schedule a payment online by signing into your account and connecting your payment method.

How Bankrate rates Carputty

Overall Score

4.0

The availability

4.3

Although the lender boasts a large loan amount, it only serves 32 states.

Affordability

2.8

The potential for charges or a high-minimum APR reduces the overall strength of this category.

Customer Experience

3.8

Carputty only offers support Monday to Friday on a range of hours.

Transparency

5.0

Ability to prequalify , as well as fees and rates disclosure gives Carputty an A+.

Methodology Bankrate considers 18 data points when choosing the best auto loans. Acceptance criteria, the rates or fees readily available and the range of APR all affect lender scores. The scores are divided into four categories. Accessibility: Loan amounts as well as repayment options, dealer requirements and state availability all contribute to this section. Affordability: This section houses APR ranges and acceptance criteria, as well as fees and discounts. Customer experience: The length of time you'll have to wait to buy for, the customer service hours, whether there's an app and autopay payment options are all accounted for in this section. Transparency: This category accounts for the availability of rates and fees along with the availability of prequalification.

Editorial disclosure Reviewers are supervised by Bankrate.com staff. The opinions expressed are solely those of the reviewer , and are not reviewed or accepted by any advertising company. The information such as rates and charges provided in the review is correct as of the date of the review. Look over the information in the upper right hand corner of the page as well as the lender's website to find the most up-to-date information.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ways and pitfalls of taking out loans to purchase the car they want.

Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He is a fan of the clarity of his reporting, which helps readers confidently find deals and make the best choices for their finances. He specializes in small business and auto loans.

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How I Ditched Debt: My Shiny Nickels

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How I Ditched Debt My shiny nickels

By Anna Helhoski Senior Writer | Financial news, consumer finance trends as well as loans for college students loan and debt Anna Helhoski is a senior writer covering economic news and trends in the field of consumer finance at NerdWallet. Additionally, she is an expert for student loans. Her work was published by NerdWallet in 2014. Her work has appeared in The Associated Press, The New York Times, The Washington Post and USA Today. She has previously covered local news from New York for the Daily Voice, as well as local news in New York metro area for The Daily Voice, Daily Voice and New York state politics for The Legislative Gazette. She holds a bachelor's diploma in journalism from Purchase College, State University of New York.

Published April 4, 2017 at 6:00 AM PDT

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The series talks to individuals who have overcome debt by combining determination, budgeting, and smart financial choices. The stories of these people may motivate you to .

My Shiny Nickels blogger Laura Dobbins and her husband, Randy, on a trip to Paris and a trip that they could afford after they got free of debt.

In 2011, Sacramento, California-based IT manager Laura Dobbins, her husband and two children resided in a luxurious home that had all the luxuries of wealth- but their finances told a different story. They were nearly $40,000 in debt, and had billed an excessive amount on their credit card accounts that Dobbins couldn't front an airline ticket for an upcoming business trip.

Dobbins realized they needed to make some lifestyle changes. Dobbins along with her husband, Randy started saving instead of spending money and paying off their debts. They even reduced the size of their house and within less than 2 years they were debt-free. She now provides money-saving tips and outlines her debt repayment techniques on her blog . Here's the story.

What was your total debt before you began your repayment journey?

Laura Dobbins: 2011: $39,685 total, including $17,000 in credit card debt, $15,000 of auto loan debt, and $8,000 in personal loan debt.

What is your current total debt?

In 2013, became debt-free. To date, there is no debt.

What led you to end up in credit?

It was ironic that it began the year I got my first major promotion and an increase in my salary. It doesn't seem logical from the outside; you earn more money and then you're in debt? While it might sound strange, the answer is "yes." We suddenly were able to accumulate all this extra money even though we were in a perfectly sufficient home in a lovely middle-class neighborhood, we decided to use the extra money towards a bigger and better home in an upscale neighborhood. With that came the "need" for more furniture and a professionally-designed new backyard and an SUV just like the neighbors had, a gardener, and ... well, you get the idea. Instead of becoming wealthy, we were financing the appearance of it. Each month. Debt was spiraling downwards. had begun.

What was the reason that prompted you to get out of debt?

It was a realization to realize that we was unable to get the $400 flight ticket for a business trip that was coming up. For so long, we have paid down the credit card only to have some credit to cover any eventual expenses. That pattern finally stopped the day my boss told me to travel to St Louis for work. I checked our credit card account to find we only had available credit for $90 (and an additional $52 on the checking account). We had managed to conceal our financial situation from everyone for quite a long time, and then it was finally bubbling to the surface. And it was terrifying.

What steps did you take to reduce your debt? What tools or resources did you utilize?

The first thing we needed get rid of was the cycle of having debt "rescue" us. Therefore, before we paid down all debts, we saved the equivalent of a $1000 emergency fund.

We were also aware that to pay off our debts in the shortest amount of time, we needed to make more money. It was not the time to just throw a measly $50 at our debt each month. This was a "hair's-on-fire, call-the-firemen" situation, and we had to make a major move. Literally. We sold the massive house in the suburbs and relocated to a little 1,000 square foot house in a neighborhood that is primarily working class. This change alone saved us more than $2,500 per month. (I'll do the math to show you the savings: that's a savings of more than $30,000 per year.)

We also ate out less and found cheaper ways to have fun as an entire family. With that extra cash every monthly, we paid off the debt by using the "snowball strategy." We started with our smallest credit card balance of $1500 to get a quick, psychological win right away and after that, we paid all the other debts from the smallest to largest. When we paid each debt off, the money which was used for paying those monthly bills was applied to the next debt on our list. The "snowball" of money which was going to the debt each month increased like insane.

How have your lives changed in a positive way after you have gotten out of debt?

We're happy. Truly, wonderfully, down-in-your-soul happy. After the debt was paid off and our house costs were at a low level we could spend on things that mattered the most. The huge home in the suburbs did not make us happy, but traveling all over the globe did. We can save a good portion of money, yet be able to spend money on the things that matter.

A couple of years ago, my husband was unhappy with his job as a toxic manager. With some money we had saved up we purchased our first business -- an important part of our husband's long-term goals. The business was sold to him, is now his own boss , and he is awed by it.

The freedom from debt offers you more than just a feeling of freedom and opens doors to opportunities you've never imagined.

How to approach your own debt and start making payments to pay it off

The method Dobbins suggests is ideal for those who want to use small victories to repay larger debts. But, the strategy, in which you prioritize paying off debts with high interest like credit cards or payday loans before lower-interest ones such as mortgage, student and auto loans will aid in paying down your debts more quickly and lower the cost of interest. This will show you how long it'll take to pay off each debt one at a time.

For a better way to manage your debt payments You should think about debt consolidation which combines multiple debts into a single one with a lower interest rate. Two possible methods for consolidation are a or a . Use a to estimate your interest rate.

Anna Helhoski is a staff writer at NerdWallet Personal Finance website. Email: . Twitter: .

About the author: Anna Helhoski is a writer, and NerdWallet's expert on student loans. Her writing has been featured in The Associated Press, The New York Times, The Washington Post and USA Today.

In a similar vein...

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4 min read Published October 21, 2022

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ways and pitfalls of borrowing money to purchase a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing clear, well-researched information that breaks down complex issues into digestible chunks. The Bankrate promises

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There are money-related questions. Bankrate can help. Our experts have helped you understand your money for more than four years. We are constantly striving to give consumers the professional advice and tools needed to make it through life's financial journey. Bankrate follows a strict policy, therefore you can be confident that our content is honest and accurate. Our award-winning editors and journalists produce honest and reliable information to assist you in making the right financial choices. Our content produced by our editorial staff is factual, objective, and not influenced by our advertisers. We're transparent about the ways we're in a position to provide quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and services, or through you clicking certain hyperlinks on our website. So, this compensation can influence the manner, place and in what order products are displayed within the categories of listing and categories, unless it is prohibited by law for our mortgage, home equity and other home loan products. Other factors, such as our own proprietary website rules and whether a product is available in the area you reside in or is within your personal credit score can also impact how and where products appear on this site. We strive to provide an array of offers, Bankrate does not include the details of each financial or credit item or service. Buying a new car can be a daunting task and one of the most difficult parts in the buying process figuring out which direction to take. From identifying the right car for your budget and lifestyle to negotiating a deal there are many steps involved. New car prices are high due to inflation and limited stock . It is therefore crucial to be prepared to make the purchase. If a car purchase is in your future, take these steps to ensure you find the most affordable car that meets your needs. Before you head to the dealer research. A lot of the work in buying a new car happens before you ever step to the floor of a dealer. Here's where you can begin. Start by setting your sights. It may sound obvious, but your first task is determine the type of vehicle you'd like, including what features are essential versus simply being nice to possess. Check pricing. Before you begin negotiations, be aware of the market price and establish goals for the amount you're willing to pay. is a great resource to research current vehicle pricing before arriving at the lot. Research financing options. There are two primary choices for car financing as follows . The pros and cons to each of these options. Independent lenders might offer you an interest rate that is lower and dealerships might offer incentives -- like -taking out an loan via them. Do the calculation. A car's purchase costs more than the sticker price. Be prepared to cover additional costs, like , gas as well as insurance, registration taxes and other fees. Examine your credit. Similar to most purchases the credit score of your prospective buyer is an essential factor in your interest rate. Before you go to the dealer. Organize your paperwork. Arrive at the dealership prepared with your driver's license, payment method and proof of insurance. If you're financing with dealers, then you'll need documents proving your income, employment and your residence. You can get preapproved for a car loan with at three lenders. It will only take a few minutes for your precious time. A loan preapproval grants you the same negotiation power as a cash buyer and shows the dealership you are serious about business. Preapproval letters typically last for 30 - or 60-days. On the lot: Investigating the car A test drive is among the most important aspects of your purchase. Explore every aspect of your vehicle with your life in your mind. Take a look at the particulars. The car you choose to drive for quite some time, so be ready to investigate the insides and outs to make sure it's the right model for you. Do the seating positions feel comfortable? Are you able to easily access your spare tire? Does the trunk have enough space? Map out a test course. Check the car out in the same environments in which you will drive it such as on the freeway, in stop-and-go traffic, in parking areas as well as on slopes. If you aren't familiar with the region well, explain to the salesperson what kind of driving you'd like do and tell them which direction to take. Start driving. Take some time to test the brakes and parking in tight spots and verify visibility. Also, you should be aware of road noise and ride smoothness. You can compare the vehicle on the lot to your checklist. Do you remember the list of desirable items and the essentials you wrote down? When you've found a car, ensure the vehicle aligns with those priorities so you can enjoy the lifestyle. Don't let your emotions take over. When you're sitting in that new car on the road, enjoying the high-tech features and new car smell It's easy to forget about your budget or must-haves and let your emotions rule the day. If you come across a vehicle you like, but it doesn't match the criteria you set, head home and think about the purchase prior to making a final decision. When you are on the road: Deal-making Once you have chosen the car you want to drive home You'll have to be ready to ask questions and negotiate to get a good deal. Check for deals. Dealerships can offer special pricing dependent on the time during the week. Look for special prices or rebates prior to meeting an agent. Avoid discussing trade-ins. A salesperson will likely push for a purchase, but you should discuss the purchase price prior to discussing the value of your previous car. So, the dealership won't have a number in mind in relation to the value of the vehicle you previously owned. Offer a counteroffer. Use the number you found while researching market value as your guideline. The trick to counteroffer is to not make it so outrageous that the dealer won't be taken seriously, and yet push back enough to get the most favorable price. Confidently negotiate. Negotiation is one of the most dreaded aspects of buying a car. If you can negotiate the best deal on the car price and dealer financing and, if it's applicable, you may save big. Remember, don't rush your negotiation. Always be ready to leave in the event that you aren't satisfied with the offer. Take the time to read the fine details. Before signing on the dotted line, you must read your contract in full. Pay special attention to the cash due at the beginning, as well as closing costs and . A lot of these costs can be negotiated or waived by the dealer. The bottom line Buying a new car will impact your budget for years, therefore, be prepared as you enter the process. Do your research before heading to the dealership, calculate the numbers and figure out the amount you can afford to spend. Once you get to the dealer, you should leave your worries at home and focus about your budget. Learn more

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The article was written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the details of borrowing money to purchase an automobile. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to control their finances with clear, well-researched information that breaks down otherwise complicated topics into digestible pieces.

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12 Ways to Transfer Money

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By Spencer Tierney Senior Writer | Certificates of Deposit ethics, ethical banking, bank deposits Spencer Tierney is a consumer banker at NerdWallet. He has covered personal finance since 2013, with a particular focus on certificates of deposit as well as other banking-related topics. His work has been highlighted on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Berkeley, California.

And Ruth Sarreal Content Management Specialist bank account bonuses Ruth Sarreal is a specialist in the management of content covering consumer banking topics at NerdWallet. She has more than a decade of experience writing and editing for consumer websites. She was previously editor of articles on personal finance topics for GOBankingRates. Her work has been featured in Nasdaq, MSN, TheStreet and Yahoo Finance.

Updated Oct . 3, 2022

Written by Yuliya Goldshteyn, Assistant Assigning Banking Yuliya Goldshteyn is a bank editor at NerdWallet. She was previously an editor, researcher and writer in a variety of industries, from health care as well as market research. She earned a bachelor's degree in the field of history at the University of California, Berkeley and a master's in sociology from University of Chicago, with an emphasis on Soviet culture and history. She is located at Portland, Oregon.

Many or all of the products we feature are provided by our partners who pay us. This affects the products we feature and the location and manner in which the product appears on the page. However, it does not influence our evaluations. Our opinions are our own. Here is a list of and .

Discover savings accounts that best meet your financial goals

Answer a few simple questions to find accounts that will meet your requirements.

Check out our top picks for the best methods to transfer money:

Best for mobile:

The best referral bonus for you:

Fastest for domestic transfers Transfers to domestic destinations:

Most popular online:

Transfers that are not bank-based are the best choice.

The best option is to send $10,000 or more to the U.S.:

Cheapest for international bank-to-bank transfer:

The fastest transfer time for international transfers:

Ideal for large-scale transfers internationally:

The best option for transfer options:

The best option for a simple sign-up process:

The best bank accounts of the year

Switching banks? Are you looking for a savings account that has a high-yielding rate with a great rate? Shop our 2023 Best-Of Awards.

When you are sending funds online, the best method to send it depends on the method and location you'd like to send it. We evaluated charges, speeds and other features to find the most reliable international and domestic money transfer services. Be sure to use these services to ensure that you're paying the correct person. Most of the time there's no guarantee of the money back if it goes to the wrong recipient.

>> Protect your money: Find out

Why you can trust NerdWallet Our editors and writers follow strict guidelines to ensure that our reporting is fair and accurate So you can pick the options that work best for you.

Plus, check out the summary of our choices

How do I transfer money online, through mobile or in person

Best ways to send money International

Venmo is the best for mobile phones.

Cash app: The best for referral bonuses.

Zelle The fastest option for domestic transfers (tie with Google Pay).

Google Pay: The fastest in domestic transfer (tie in with Zelle).

PayPal: The most well-known online.

Walmart2Walmart: Best for nonbank transfers.

Bank wire transfer: The best to send at least $10,000 within the U.S.

The best ways to transfer money: International

MoneyGram: Cheapest option for bank to bank transfers.

Xoom: The fastest option transfer speed for transfers to international destinations.

OFX: Excellent for international transfers in large amount.

Western Union: Best transfer choices.

Wise: Great for simple registration.

The most efficient ways to transfer money to the U.S.

Here's a rundown of the best ways to transfer money within the country.

Venmo: The best choice for mobile

Why it's our pick:

Highly evaluated app available on iOS and Android.

Easy, quick, and fun and socially-engaged money transfers.

+ Venmo in a nutshell

The app's ratings for Venmo are among the top of domestic providers we considered: 4.2 stars in the Google Play Store and 4.9 in Apple's App Store.

It's completely free to send and receive money when you link to a bank account, debit card or the prepaid debit card. Credit card transactions cost 3 percent on the amount you pay. With a few taps on Venmo after you've verified your identity, you can make payments of up to $60,000 per week.

Your and your friends' transactions will show up -- without amounts on the news feed. If you'd rather keep your transactions secret, you can modify your settings to ensure that only your family members or you and the other person you're paying receiving money from will be able to see your transactions.

+ Important to know about Venmo

The money you earn appears immediately on your Venmo balance, however cashing out to a bank account takes one to three days . You can transfer funds to a debit card, generally within 30 minutes, with an additional 1.75 percent fee. (For more details, read .)

From top to bottom

Cash App: Great for referral bonus

We're recommending this because:

Bonus of $5 when someone makes use of your referral code to sign up and then send money.

No fees to transfer or receive money.

+ Cash App in an easy to understand

Cash App allows you to transfer and receive cash for free by cashing out your linked bank account or debit card. You can set up your own $Cashtag, or username, within the app to make it easier for others to locate you and make it easier for them to send you payments. Contrary to the other P2P applications and methods to transfer money from this list, Cash App offers a $5 bonus when someone joins with your referral link and then sends at least $5 to the account they have created.

+ Important to know about Cash App

You'll require an account with a bank account to use Cash App. Cash you receive will show up instantly in the app's balance but it will take one to three days for the funds to appear in the balance of your bank account if you choose to transfer it. Cash out immediately on your debit card however you'll have to pay an additional 0.5 percent -1.75 percentage fee.

You're only allowed to send and receiving up to $1,000 per 30 days. If you want to increase your limit, you'll have to provide more personal information such as names of all your children, birth date, and last four numbers of your Social Security number. If you send money through a credit card you'll be charged a 3% fee. (For more details, refer to .)

Return to the top

Zelle is the fastest (tie to Google Pay)

Why it's our pick:

Delivery is usually within minutes.

Already integrated with more than 100 financial institutions bringing together more than 100 million people.

+ Zelle in the nutshell

With Zelle, you can send and deliver money within moments between accounts of various financial institutions. You may already have access to Zelle's service via your bank's website or mobile app. Over 1,000 credit unions and banks have joined the network this means that their 100 million-some customers can use Zelle through their bank's site or mobile app. Even if your financial institution doesn't on the network, Zelle may be used as an individual app.

+ Important to know about Zelle

You'll require a U.S. bank account to make and receive payments . Zelle does not charge any charges, but any of its partner banks can choose to. While limits differ by bank, some of the largest banks have daily transfer limits of $2,000 or $2,500.

Zelle is not intended to purchase or sell items and therefore you aren't protected from these transfers. In addition, if you send money to the wrong person, or transfer the wrong amount, you might be in trouble. Security is only in place if someone is able to steal or hacked your Zelle account or password and then uses the account to transfer money.

From top to bottom

Google Pay: Most efficient (tie to Zelle)

The reason we picked it:

Instant transfers to a debit card for lower fees than other payment providers charge.

The seamless integration of the money transfer services in emails.

+ Google Pay in the simplest terms

Google Pay lets you transfer funds for free by using a QR code, the recipient's name, phone number, or email address. You can also withdraw funds instantaneously from the wallet in the app to a debit card at the cost of 1.5% fee. If you're not in a rush, you can cash out for free to your bank account, which takes between one and three business days. The maximum you can deposit is $5,000 each day. Debit and bank accounts can fund transfers, but credit cards and prepaid cards are not able to do so.

Plus, it is important to be aware of Google Pay

Google Pay covers 100% of all verified unauthorized transactions , which isn't a given in all transfer apps and services.

Back to top

PayPal: Most popular online

The reason we picked it:

High transfer maximum.

More than 400 million active accounts worldwide.

+ PayPal in an easy to understand way

PayPal allows free transfers within the U.S. when you fund through a bank account or PayPal balance. If you make a purchase using credit card (and unlike other companies the debit cardcomes with a cost: 2.9 percent of the total amount and 30 cents. Bank account transfers are completely free.

Plus, important to know about PayPal

According to your currency, the maximum amount you are able to send out per transfer varies between $10,000 and $60,000. But if you're sending that much money, making it with a bank offers more safeguards for your balance including FDIC insurance.

Transferring money to banks for free can take between one and 4 business days depending on if the transfer was initiated after 7 p.m. ET or on the weekend. You can also make payments instantly to a linked debit card. You can transfer or send cash through the website or mobile application for iOS and Android, or at PayPal.Me which lets you create your own personal link that family and friends can pay you. (Read our .)

From top to bottom

Walmart2Walmart: Best for nonbank transfers

We're recommending this because:

It is a convenient way to transfer money to and/or from a Walmart store.

+ Walmart2Walmart in an easy to understand way

If you're looking to transfer money, Walmart is a convenient alternative, particularly if you and/or your recipient are near the store: You can send money through the Walmart store for pickup at the Walmart. Walmart has a partnership with a variety of companies that offer money transfer services, so you can also transfer money via any MoneyGram, Ria or Western Union location for pickup at any one of many thousands of U.S. Walmart stores, where the recipient is able to take the money in minutes. You can also send money from a Walmart for pickup in just a few minutes at an Western Union or MoneyGram location. (Ria locations don't offer a pickup choice.)

+ Important to know about Walmart2Walmart

In the majority of states, the maximum you can send per day is $2,999.99, and prices start at $2.50. (For more information on Walmart financial services, including information on the FTC lawsuit against the company, please read our .)

Back to top

Bank wire transfer: B est for sending $10,000 or more to the U.S.

Why it's our pick:

Transfers large sums of money between banks another within minutes or hours.

and Bank wire transfer in an easy to understand way

Sending a wire transfer through your bank may be the most efficient way to send a large amount quickly. Although they're as easy as P2P apps are however, they restrict the amount you can transfer, typically $1,000 to $10,000 per transfer and delivery may take several days. Contrary to that, bank wire transfers generally are delivered within minutes or hours.

+ Important to know about bank wire transfers

There is a high cost for transfers. According to an examination of big banks, the median domestic wire cost for sending is $25, and 15 dollars for the receiving (see ). If you have to transfer a lot of money within minutes, though it is possible that the expense will be worth it.

Are you interested in transferring money by wire? Find out more.

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Best ways to make international money transfers

Below, you'll find our picks for the best ways to transfer money abroad. When you transfer money to another country, you typically face two charges: the cost to transfer money (also known as the outbound or upfront fee) as well as fees for foreign exchange, or the markup on the exchange rate that financial institutions use when they transfer money between themselves. Consider both fees to find the most cost-effective option.

+ See advice for money transfers and definitions for common money transfer terms

Definitions: Money Transfer Rates

Three rates determine how much your cash transfer will cost, as well as the amount of money your recipient will get.

Exchange rate: A exchange rate is the value of one currency in relation to another currency. For example, if want to convert U.S. dollars to euros it is important to know what one U.S. dollar is worth in euros.

Midmarket rate The midmarket rate also known as the interbank rate or the interbank exchange rate, is the exchange rate that big banks use to exchange currencies between each other.

Markup on exchange rates: Many service providers employ an exchange rate markup when making a decision on the price of your transfer. They give customers an exchange rate that's the mid-market rate and another percentage or markup, so that they can make a profit on the transfer.

Example of a midmarket rate: If the exchange rate of U.S. dollars to Mexican pesos is 20 psos per dollar, then a two markup in exchange rates means that the service is offering you 19.6 pesos for each dollar. If you transfer $500 using a midmarket rate, you'd transfer 10,000 pesos. However, with a markup of 2 that means you'll be sending 9,800 pesos. The more markup you pay, the less your recipient will receive in exchange for their currency.

General advice on international money transfers

1. Find out the way exchange rates work (and how to choose the most favorable rates). One of the ways the money transfer service providers earn their money is through exchange rate markups. The majority of transfer companies won't offer the rate of exchange you'd get from a currency exchange site like that found at Bloomberg.com as well as Reuters.com. These sites only tell you the cost of one currency in relation to another, but they can be a useful starting point for knowing what the ideal rate will look like in the present. When you check rates for exchanges on international transfers with services like Western Union, focus on the exchange rate markup by examining the amount of foreign currency. The more it is higher then the lower the markup, and the more money your recipient will receive.

2. Compare the total transfer cost across multiple providers. There are two kinds of fees: upfront cost and exchange rate markup (see the previous paragraph). Find the provider that has the lowest fee combined with the best exchange rate that you can find. Most nonbank online providers provide lower rates for transfer rates than banks.

3. Avoid paying with a credit card. This is an option offered by some providers, but there might be a higher initial cost and your credit card issuer might add additional charges like interest and cash advance fees. A transfer made via a bank account directly tends to be much less expensive (and far slower) transfer. If you need money delivered promptly, consider using a debit card and you will pay a lower fee than using a credit card.

CashGram is the Cheapest for bank-to-bank transfers

at MoneyGram

Why it's our pick:

Most affordable fees for transfers and from accounts at banks.

MoneyGram and the MoneyGram acronym in one sentence

MoneyGram commands a network of locations in more the 200 nations and regions. Transfers between different locations take a few about 15 minutes for cash pickup. This is similar to MoneyGram's main rival, Western Union. Transfers made online or via mobile apps to bank accounts in different countries can take up to an hour or a single day. Other services can take several business days to transfer funds to bank accounts. If you want to transfer money from a bank to a bank, MoneyGram is the cheapest option.

Plus, it is important to be aware of MoneyGram

You'll have to pay fees. For sending between $200 and $1,000, average fees range from between $6 and 14 in each of the nations we studied and based on the sending and receiving methods. MoneyGram also marks up the exchange rates anywhere from about 0.60% to nearly 8.44%. In the countries we studied the maximum amount you can transfer per transaction ranges from 10,000 to $15,000. these limits are on the low range when compared to other services on this list. (See our .)

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Xoom: Fastest

The reason we picked it:

Transfers to bank accounts overseas in just a few minutes for certain countries.

+ Xoom in an easy to understand way

Xoom-- a PayPal service that specializes in quick transfers to around 160 countries. It is possible to send up to $100,000, but the larger the amount you want to send, the more time it will take along with the additional personal information you'll have to provide (such as a passport , Social Security number and a bank statement or pay stubs). You can transfer money using a bank account, debit card, credit card or the payment options stored in your PayPal account. The majority of transactions are processed within minutes. Xoom partners with major banks abroad, allowing users to receive money directly to bank accounts, or in certain countries, as cash pick-up or mobile phone reloads.

It is crucial to know about Xoom

Cost is the reason why Xoom lags behind competitors. Xoom makes profit from exchange rates however it has better rates when sending larger amounts to specific countries. The transfer of funds from the one bank account to another are usually free. The overall cost may be higher if you make use of a credit or debit card. (For more details, refer to our .)

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OFX: Great for large international transfers

at OFX

Why it's our pick:

There is no maximum limit on how much you can pay.

No fees, no matter the amount you pay.

+ OFX in an easy to understand way

OFX does not charge any fees regardless of how much you transfer. In addition, its online service allows you to transfer money using current exchange rates or rates that target future rates- meaning your money will transfer once your exchange rate is achieved. From to the U.S., you can send money in more than 50 currencies. OFX is the best option if want to send more than other service providers allowbecause it doesn't have a limit in the amount you can send.

Plus, it is important to know about OFX

OFX has the minimum amount for transfers of $1000. Costs to consumers come in the form of exchange rate markupsthat are at the top of the spectrum in comparison to other providers. Delivery usually requires several business days. (Read our for more details.)

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Western Union: Best transfer options

The reason we picked it:

A vast network of sites across the globe.

Many ways to transfer and send money.

+ Western Union in a nutshell

The biggest money transfer company worldwide, Western Union also has an extensive range of transfer options . On the provider's price estimator online, you'll see over a dozen combinations of payment channels, sending methods and delivery options. You can transfer money via the Western Union website or its mobile app, and you can pay with a bank account, debit card or credit card -- or make a payment at a local agent by cash.

The transfer giant's physical network covers over 200 countries and territories and more fifty million places around the world.

Plus, it is important to be aware of Western Union

Transfers can be costly and are among the costliest of services we reviewedwith only a few options that include same-day or next-day delivery. Some online transfer options can take several business days for delivery. (Read the details on .)

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Wise: Best for easy sign-up

at Wise

Why it's our pick:

Experience a user-friendly and enjoyable experience right from signing-up to delivery

No foreign exchange rate markups.

The essence of Wise and the Wise

Wise (formerly TransferWise) balances convenience and costs on its mobile and online money transfer platform. You can sign-up using an account on Apple, Google or Facebook account, rather than having a specific login for each site. This way, the exchange rate you receive is guaranteed until the money is received by Wise. Wise transfers cash out of its headquarters in the U.S. to about 80 countries (the precise number of countries is subject to change from time-to-time) with no exchange rate markup. They will charge you an exchange rate cost, which pays for making the exchange happen, however, there is no markup.

Plus, it is important to be aware of Wise

In most instances, you'll have to pay two charges: a fixed sum of dollars (the upfront cost), which increases according to the amount you send as well as the exchange fee typically less than 1percent of the amount you send. In to the U.S. to the countries that we looked into over half of deliveries were expected to take 2 hours or less. (Read our .)

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Are you in search of a bank that's useful in your travels? Take a look

METHODOLOGY TO DOMESTIC TRANSFERS

To identify the top domestic transfer service we looked into the following features for 14 companies costs, speed of delivery of money or cash to beneficiary's bank account, user reach (where transactions data was readily available), sending amount limit and security measures. The top preference was given to the service providers that offer free transfers, have established histories and maintain high security standards. We excluded single-bank P2P service because they typically restrict users to one particular bank.

Note: All transfer amount limits given assume users have verified their identity since each app has its own requirements. Also, the app will set initial amount limitations for first time users of the app.

Providers surveyed: , , Facebook Pay (now Meta Pay), Google Pay, , , PopMoney, , , , , and .

METHODOLOGY FOR INTERNATIONAL TRANSFERS

We examined seven providers which operate within the U.S., mostly focusing on the major players in the international money transfer industry, based on market research, experts as well as cost analysis. U.S. internet traffic.

Countries that were surveyed: Germany, India, Mexico and the United Kingdom.

Providers surveyed: , , , , as well (owned and controlled by PayPal).

The fees and markups on exchange rates discussed are based on analysis below.

The authors' bios: Spencer Tierney is a writer and NerdWallet's authority on deposit certificates. His work has been featured by USA Today and the Los Angeles Times.

Ruth Sarreal is a content management specialist at NerdWallet. She has written and edited content on personal finance topics for more than five years.

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Find an alternative to a checking account

Check out NerdWallet's top picks for the best checking accounts.

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Debt Consolidation or. the Debt Settlement Method: Which one is better?

Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able to make sound financial decisions with confidence. Although our website does not feature every company or financial product on the market however, we're confident that the advice we provide and the information we offer and the tools we create are independent, objective simple, and completely free. So how do we make money? Our partners pay us. This can influence the products we write about (and the way they appear on our website), but it doesn't affect our advice or suggestions that are based on many hours of research. Our partners cannot pay us to guarantee favorable review of their services or products. .

Debt Consolidation vs. The Debt Settlement Option: What one is better?

Debt consolidation and debt settlement each have their pros as well as pros and. The best option for you is based on the circumstances you face.

Written by Sean Pyles Senior Writer | Personal finances and credit, and personal finance Sean Pyles leads podcasting at NerdWallet as the producer and host of the NerdWallet's "Smart Money" podcast. The show "Smart Money" Sean talks with Nerds on NerdWallet's NerdWallet Content team to answer the questions of listeners about their personal finances. With a particular focus on sensible and practical advice on money, Sean provides real-world guidance that will help people improve the financial situation of their lives. In addition to answering listeners' financial concerns on "Smart Money," Sean also interviews guests who are not part of NerdWallet and produces special segments that explore subjects such as the racial wealth gap, how to start investing, and the background of college loans.

Before Sean took over podcasting at NerdWallet the company, he also wrote about topics concerning consumer debt. His writing has been featured in USA Today, The New York Times and elsewhere. When he's not writing about personal finances, Sean can be found digging around his garden, going for walks, or walking his dog for long walks. He is based within Ocean Shores, Washington.

Updated August 5, 2021 12:55PM PDT

Edited by Kathy Hinson Lead Assigning Editor Personal financial, credit scoring, financial management and debt Kathy Hinson leads the Core Personal Finance team at NerdWallet. Previously, she spent 18 years working at The Oregonian in Portland in positions such as copy desk chief and team editor and designer. Previous experience included copy and news editing for several Southern California newspapers, including the Los Angeles Times. She graduated with a bachelor's in mass communication and journalism at Iowa's University of Iowa.

A majority of the products we feature come from our partners, who pay us. This influences which products we review and where and how the product is displayed on the page. However, this does not influence our evaluations. Our opinions are entirely our own. Here's a list of and .

You're trying to pay off . Should you use debt consolidation or debt settlement?

They may sound similar, but they mean two very different things -and both can cause more trouble for you.

It's time to cut your debt

Sign up to link and keep track of everything from credit mortgages to cards all all in one location.

Debt consolidation

In this scenario, a variety of consumer debts are combined into one single debt. You can make use of a balance transfer credit card, home equity loan and 401(k) loan.

Why you might choose it:

To get a lower interest rate than what you're currently paying, which will save you money and will help you to pay off debts faster.

To cut the number of payments you're juggling

When the debt you're trying to reduce is in a manageable size and the debt is of a manageable size,

• How to pay off debt:

Debt settlement

It is risky as you defer payments from a lender and, after your account is in serious delinquency you should try to negotiate a lesser amount to pay off the debt.

Withholding payments can ruin your credit score and can lead the possibility of being sued for payment. There's no guarantee that the creditor will be willing to settle.

You may try hiring or trying a company, but beware: This field is rife with unscrupulous players. The Federal Trade Commission recently ordered 11 of these companies to stop their advertising, claiming that they stole tens or million dollars of consumers , and provided them no benefits.

The reason you should consider this option:

Do this only if have an account that is long-delinquent, or in the process of being , and you think the creditor is willing to take a partial installment. You have little to lose since the damage has already done.

The author's bio: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. His work has been published in The New York Times, USA Today and elsewhere.

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How Couples can collaborate in Debt Repayment

Advertiser disclosure You're our first priority. Each time. We believe that every person should be able to make financial decisions without hesitation. Although our site does not include every company or financial product in the marketplace, we're proud that the guidance we offer and the information we offer as well as the tools we design are independent, objective simple, and completely free. So how do we make money? Our partners pay us. This may influence which products we write about (and where they are featured on our website) however it in no way affects our recommendations or advice that are based on thousands of hours of research. Our partners cannot promise us favorable reviews of their products or services. .

How Couples Can Team Up to Repay Debt

If you have brought debt into your relationship, then your partner can be your ally in achieving debt-free.

by Sara Rathner Senior Writer/Spokesperson | Travel rewards, credit cards and debt payments Sara Rathner is a NerdWallet travel and credit cards expert. She has appeared as a guest on "Today" show and the CNBC's "Nightly Business Report," she has also been featured on The New York Times, The Washington Post, The Wall Street Journal, Yahoo Finance, Time, Reuters, NBC News, Business Insider and MarketWatch. Before making the move to NerdWallet, Sara worked at The Motley Fool for nearly 10 years. She was also a personal finance writer freelance and paraplanner , and holds a bachelor's degree in journalism from Northwestern University.

Updated January 30, 2023 6:09AM PST

Edited by Kenley Young Assigning Editor Credit score, credit cards Kenley Young directs daily coverage of credit cards on NerdWallet. Previously, he was an editor of the homepage and digital content producer for Fox Sports, and before being a front-page editor at Yahoo. He has a wealth of experience in both digital and print media, with stints as a copy desk chief as well as a wire editor as well as an editor of the metro at The McClatchy Newspaper chain.

Many or all of the products featured here are provided by our partners, who pay us. This affects the products we write about and where and how the product is featured on the page. However, this doesn't affect our assessments. Our opinions are entirely our own. Here's a list of and .

More Like This

Between helping financially his parents and losing their income because of the COVID-19 pandemic, Jeremy Mazza landed into serious . He received relief from a source that he wasn't anticipating: his wife, Ginna Lambert, who had come into a small inheritance. Ginna recommended "investing" part of her fortune into their shared future by lending small amounts to Mazza which he could use toward his obligations.

It took some convincing.

"To have to ask for money, even though I was the sole provider and had parents who themselves were soliciting money, I wasn't going to follow their lead and be taking," Mazza says. "But that's not what this wasabout, this was a caring thing."

Mazza and Lambert dealt with the issue through open communication and specific loan terms. And for them, it's making a difference: Mazza estimates his went up by 150 points. Their couple live in Richmond, Virginia, are getting married this year and are hoping to purchase an apartment soon too.

"I had a very, extremely, very strong interest in making sure my partner's credit score and finances were in the best of a condition as it was possible," Lambert says.

Although joint debt is a shared obligation but the individual debts that you bring into the relationship are yours to tackle. Still, they can get in the way of making plans for your life as a couple, and so it may make sense for your partner to assist you in tackling your debt in some way. Don't make any arrangement like this without a plan.

Be aware of your risk by reviewing the complete financial picture

It's crucial to be transparent to each other about your individual financial situations particularly as your relationship becomes more serious.

"If a couple is planning to tie the knot it's good to talk to each other prior to tying the knot," says Trina Patel who is a Los Angeles-based senior financial advice manager at Albert, a financial services company.

Set aside a few free money dates where you talk about what's going on for each of you. These conversations can aid you in establishing shared goals and determine the steps to take to achieve them, like adjusting your budget or finding ways to boost your income.

"Debt often triggers feelings of shame, guilt, and embarrassment leading couples to avoid discussing the amount of debt they have," said Leanne Rahn who is a financial advisor with Fiduciary Financial Advisors in Grand Rapids, Michigan, by email. "Vulnerability is a challenge, but keep in mind that you and your spouse are part of a team."

Look at non-monetary options to aid

You might not be able, or unwilling, to pay back your partner's debt. There are many options , however. You can be an accountability buddy, assist you rethink your budget for the family if you live together or figure out ways to save money with your spending.

Perhaps you can do some additional household chores to give your partner time to work on additional hours at work, or you can help them edit their resume to get a better paying job.

Discuss a financial arrangement

If you're comfortable gifting or lending money to your partner to pay off their debts, make sure you have all the details. Write down the dollar amount and then write everything down.

Lambert For instance, Lambert began by offering a 6-month loan that was interest free and costing $2,000 loan in exchange for Mazza. Over time, they both felt comfortable with additional, larger loans.

A consultation with an attorney regarding a contract can help both parties feel more at ease.

"A legally binding contract would definitely make the responsibilities of each spouse/significant other clear easy to understand, and the law would hold the parties to account," Rahn says.

Know when to say 'no'

It's okay not to share the financial burden of someone else regardless of how much you care about them. When your marriage is relatively new, or you're not sure the direction it's headed, you can still cheer on your partner while they pay off their debt.

And if your partner won't take your "no" as an answer, think about it an option and take your time.

"I wouldn't have offered this when we were in the honeymoon phase," Lambert says. "At the time we were already moving into a home together. He had proved repeatedly, that he was reliable."

This piece was written by NerdWallet and was first published through The Associated Press.

About the author: Sara Rathner is a NerdWallet credit and travel expert. She has appeared on the "Today" program, Nasdaq and CNBC's "Nightly Business Report."

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