Did you know that only about 3% of adult Americans actually know what a personal loan is? When I first came to America, I did not understand the concept of building credit because coming from Nigeria, no one encourages you to get credit. In fact, retailers often have a big sign on the wall that reads, "No credit today, come tomorrow." But that makes sense for Nigeria because there is really no orderly way to go about getting money owed to you that does not involves banging on the person's door at 6:00 AM and shouting, "Come and pay me my money oh!" I know this from experience. A story for another day. Speaking of being in a financial bind, did you know that debt consolidation is the most common reason why people get personal loans? And who better to get it from than Discover Personal Loans?

So, lately, I have been reading about Discover Personal Loans. With my good credit and long credit history, this path may be the one I need to take to repair my daughter's forever leaking bathtub, replace the well-used carpets in the bedrooms and to finally add that deck on the back that I have always wanted. I am taking the time to really learn about Discover Personal Loans and whether this financial choice can give me the funds I need to make the necessary repairs and updates to my house without overextending me for years to come with a huge loan repayment. To help me decide on what I need and can handle, I used the Estimated Payments Calculator which has no effect at all on my credit score to use.

Since the economic downturn, people have been thinking a lot more about their finances. Usually I am thinking about financial emergencies that might come up at any time. What if the unexpected happens and you need emergency funds? There of times when taking out a personal loan is not only truly necessary but financially beneficial: Discover Personal Loans actually has some of the best personal loan perks in the business: no origination fees (which is a fee lenders charge for processing the loan), flexible payment terms, and a 30-day refund. So in the event if you apply for a loan and receive a disbursement of the money but no longer need it, you can always return the cash and not have to pay interest on that 30 day period. Convinced? Click here to explore personal loan options with Discover Personal Loans.

There are all sorts of movies and TV shows about people who are awful with money. They live beyond their means, cheat people out of their hard-earned cash, and, yeah, usually come crashing down at some point. And yet, they seem to get all the glory when it comes to name recognition. But what about those humble characters who are super responsible with their finances? You know, the ones who work quietly in the background, save their money, never spend beyond their means, and use personal loans responsibly. Yes, they're out there! Let's take a look at a few of them. Discover Personal Loans can be an ideal solution for people with good credit and a strong financial history. With no origination fees, you’ll receive 100 percent of your requested loan amount. You get competitive, fixed rates with flexible payment options to help you reach your goals.

I talk a lot about ways to save money, sharing money-saving tips, including ways to smartly spend your money. However, we don't talk enough about credit, and when is the right time to have a credit card, take out a mortgage, etc. While I won't call myself an expert, I have a lot of experience of bumping my head and making financial mistakes. With Discover Personal Loans, you can find lower interest rates with flexible payment terms. In fact, fixed interest rates start at only 6.99%.

Since making the leap from "World Famous Food Blogger" to "Moderately Successful Food Trucker," I've learned a lot about how unexpected expenses can throw your financial life into total disarray. Discover Personal Loans can be an ideal solution for individuals and families with good credit and a strong financial history. The loans have no origination fees, which means you’ll receive 100% of your requested loan amount. You get competitive, fixed rates with flexible payment options, to help you tend to life's minor emergencies, like a major appliance that suddenly decides not to work anymore.

I remember when Terence and I first got married we were young and didn't have much of a credit history. Our very first loan was for a home computer. We went to the bank and asked for a personal loan so we could purchase a new computer. We needed it for school and other various reasons, but we just couldn't afford one at that point in life. I've worked in the Finance industry for over a decade and have seen how a personal loan can benefit many lives. Discover Personal Loans can be an ideal solution for individuals with good credit and a strong financial history. With no origination fees you’ll receive 100% of your requested loan amount.

There are times when Life comes at you like Solange (and you’re Jay-Z) in an elevator and despite how well you were progressing with your finances, you find yourself unable to keep your head above water. There is no shame in facing the truth about what’s going on with your finances. There are some stats that show that only 3% of Americans now what a personal loan is. With financial literacy so lacking in this country, I’m not really shocked by that number.

If you have been on the site for a while you know that I recently decided to get really focused on paying down my debt. While researching different ways to consolidate my debt I was introduced to Discover Personal Loans. Personal loans can of course be used for anything including consolidating your debt.

Many people use credit cards, home equity loans and even get help from friends and family, but what if none of these are available when you find yourself in need? What do you do when you don't have the money to pay your bills? Where do you go in emergencies? Discover Personal Loans may be the answer. Discover Personal Loans can be an ideal solution for individuals with good credit and a strong financial history. With no origination fees you’ll receive 100% of your requested loan amount.

One thing you're pretty much guaranteed to experience after you've been 'adulting' for a few years is an Unexpected Large Expense. Whatever the reason for that large expense is, a Discover Personal Loan could be a financially sound solution to help you pay off that expense, provided you have good credit and a strong financial history.

"Emma, I'm drowning in debt!" I hear this all the time from moms who follow me, in emails, on Facebook and in Twitter messages. I feel for you! When I was starting my career, I was juggling student loans, a car payment and a couple of credit cards. Whatever the reason, a personal loan may be helpful. Unlike a debt to your parents or brother, a personal loan like one from Discover Personal Loans can be a great tool to consolidate existing debt, or find the funds you need to move forward in your life or business (but isn't that the same thing?).