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Put Your Good Credit to Use!

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All reviews, research, news and assessments of any kind on The Tokenist are compiled using a strict editorial review process by our editorial team. Neither our writers nor our editors receive direct compensation of any kind to publish information on TheTokenist.io. Our company, Tokenist Media LLC, is community supported and may receive a small commission when you purchase products or services through links on our website. Click here for a full list of our partners and an in-depth explanation on how we get paid.

Looking to leverage your hard-earned good credit to get the best loan? Great news: there’s a wide variety of excellent loans for those with good credit.

When analyzing a lending platform, you’ll want to look at the most crucial factors. These include the lender’s minimum credit score to be eligible, loan terms and amounts, and of course, APR.

Loans can be used for a variety of important purchases, such as a new car, a home remodeling idea, to consolidate existing debt, or even more. Perhaps you want to take advantage of COVID-19’s silver lining, as some loans are seeing record low interest rates.

While it’s true that you should never take out a loan without heavy consideration beforehand, many loans intended for folks with good credit have lots to like and negligible drawbacks. Think of them as financial tools you can use to expand your buying power, enjoy life, or improve your credit even more.

Not sure where you stand on the FICO credit scale? Use the table below to see where you fit in.

What Exactly Does it Mean to Have “Good Credit”?

If you have “good credit”, you might be a little concerned. After all, there are two categories above “good credit” in the FICO credit scale.

When you have a good credit however, you can still find great loan opportunities. You’ll just have to find the right lending platform for you, which is why we’ve compiled the top lending platforms for those with good credit.

Top Lending Platforms for Good Credit


We’ve analyzed lending platforms based on fees, APR, loan terms, and more.

1. Lightstream
Best Overall
2. Marcus by Goldman Sachs
Best for Debt Consolidation
3. SoFi
Best for High-Income Borrowers
4. Payoff
Best for Paying Off Credit Card Debt
5. Discover
Best for Paying Off a Loan Early
6. Upgrade
Best for Small Loans
7. Best Egg
Best for Big Purchases

Best Loans for Good Credit

Not sure which loans to seek out? We’ve already found the best below; let’s dive in!

1. LightStream – Best Overall Good Credit Loan

Lightstream Logo Banner

Pros

  • No origination or late fees
  • There are cosigning options
  • Generally good rates and term ranges
  • Will beat most competitive APRs

Cons

  • No prequalification available
  • Most loans require several years of good credit history, not just good credit

LightStream has some of the best loans you can find if you already have good credit. As a division of SunTrust Bank, LightStream has lots of experience to call on, and it shows.

  • Minimum Credit Score: 660
  • APR: 3.49%-16.79%
  • Loan Range: $5000-$10,000
  • Term Range: 2-12 Years

For starters, they don’t have any fees on their loans, and they offer generous borrowing amounts between $5000 in $100,000. Even better, their term limits are pretty flexible, ranging between 2 years to 12 years depending on what works best for your unique needs.

Furthermore, LightStream provides something called the “Rate Beat” program. This is just an APR match program with an additional promise to beat that rate by up to 0.10% (within certain conditions, of course). Thus, you can use LightStream to get a fantastic APR if you find another lending service with a similar rate.

There are other reasons to consider them for your good credit loan. For instance, they provide cosigning options if you don’t have a lot of credit history or need to take out a loan for a student. They also don’t normally specify any income when you’re signing up for one of their loans.

However, they do typically require several years of credit history, in addition to good credit. They also don’t offer prequalification, so you’ll need to get somewhat into the loan sign-up process before you know the actual cost of your agreement.

Still, it’s a phenomenal service through and through. The lack of fees, great APR and term flexibility, and APR-match program all make LightStream one of the best choices on the market overall.

Marcus by Goldman Sachs Logo

Pros

  • Very flexible with payment options
  • Great for debt consolidation loans through direct payment to creditors
  • Provides some discounts with autopay
  • No additional fees

Cons

  • Funding might take a few days to arrive
  • No co signing option

Marcus personal loans from Goldman Sachs are great if you need a personal loan for debt consolidation, but their high amount limit makes them a good fit for just about any financial need. You’ll be able to take out a loan between $3500 and $40,000 if you have good credit.

  • Minimum Credit Score: 660
  • APR: 6.99%-28.99%
  • Loan Range: $3500-$40,000
  • Term Range: 3-6 years

They also provide flexible repayment terms between 3 to 6 years in most cases. There is a small downside in that it usually takes a few business days for you to receive your funding. So they’re not the best choice for emergency loans.

Still, there’s a lot to like here. They don’t have any origination or additional fees, nor do they levy prepayment penalties (so you aren’t charged more for paying down your debt aggressively).

Their customer service representatives are also pretty understanding if you need to change your payment options. Again, this makes them a great choice for debt consolidation or other loan needs if you have a tight but fluctuating budget.

However, if you can set up an automatic payment system with them to benefit from a slight rate discount that comes with most of their loan packages. This is fantastic if you want to pay down your loan as soon as possible. Marcus loans also usually come with an option to directly pay your creditors if you do decide to use this loan for debt consolidation.

There’s no co-signing option and you do need pretty good credit to qualify for the majority of their loan agreements. But if you already have a good score, the Marcus loan could be an excellent choice, particularly if you want to eliminate multiple debts at once.

3. SoFi – Best for High-Income Borrowers with Good Credit

Sofi Logo

Pros

  • Very good fixed and variable rates on average
  • Allow flexible payment options
  • Tons of member perks to benefit from
  • Can help you manage your financial accounts more skillfully

Cons

  • Can’t refinance your loans
  • Funding will take several business days to arrive

SoFi, an investment firm well-known for building one of the premier robo-advisors, showcases their value once again with their personal loan options. They provide loans for a wide variety of needs, offering amounts between $5000 and $100,000.

  • Minimum Credit Score: 680
  • APR: 5.99%-19.96%
  • Loan Range: $5000-$100,000
  • Term Range: 2-7 years

They also let you borrow with repayment terms between 2 and 7 years, plus APR rates potentially as low as 5.99%. Like with Marcus loans, there’s a small downside in that your funding will only arrive after a few business days.

However, SoFi provides a huge array of extra financial service offerings are benefits. For instance, professional development services, events for various members, networking and community opportunities, and even resume and interview help are available.

In this way, SoFi doesn’t just provide simple loan assistance. They can also help you become a better financial steward for your bank account or portfolio.

So they’re a great choice if you’re in a higher than average income bracket and will take advantage of these bonuses. You’ll be able to use this lending institution for just about any loan you can imagine, including mortgage loans, student loans, and more. 

They also offer their loans with fixed and variable rates and provide flexible payment options. However, you aren’t able to refinance your loan in case there’s a mishap or emergency.

Still, we’d recommend them if you’re comfortable with a relatively long-term debt arrangement and want to take advantage of everything they offer. If your average income is over $100,000 a year, they’ll likely be a great fit – especially since you can benefit from SoFi’s capable investment services.

4. Payoff – Best for Paying Off Credit Card Debt

payoff logo

Pros

  • Reasonably good loan amounts and repayment terms
  • Provides lots of financial security tools
  • Free score updates and check-ins with specialists
  • Also offers direct payment to creditors for debt consolidation

Cons

  • Not available in several states
  • Charges an origination fee

If you have credit card debt, a loan from Payoff might be the best choice you can make. That’s because they don’t only offer flexible loan arrangements, but they also provide a plethora of tools and support structures to help you make your payments on time and gradually increase your credit score by eliminating your debt.

  • Minimum Credit Score: 640
  • APR: 5.99%-24.99%
  • Loan Range: $5000-$35,000
  • Term Range: 2-5 years

For instance, Payoff will provide you with free FICO score updates every once in a while, plus a quarterly check-in with one of their dedicated “member experience” specialists. This gives you a little bit of accountability when it comes to using your loan correctly, and you can ask them for advice to better work down your debt in the most efficient way possible.

Even better, you’ll get a suite of cash flow assessment tools, plus job loss protection for your loan. Thus, it’s a great choice if you aren’t sure about your employment stability in the short term future.

They do have relatively strict requirements if you want one of their loans, like a credit score of 640 or higher and a decent debt to income ratio. They provide loans between $5000 and $35,000 and repayment terms between 2 and 5 years. The other big downside is that they aren’t available in several continental states, including Massachusetts, Mississippi, Nebraska, Nevada, Ohio, and West Virginia. 

But overall, they’re a great choice for paying down credit card debt, and not only because of what they offer in pure loan options. The tools they provide can be used to make sure that your debt repayment efforts result in lasting financial security. 

5. Discover – Best for Paying Off the Loan Early

Discover Logo

Pros

  • No prepayment or origination fees
  • Good loan payment terms
  • Comes with a free credit check tool
  • Will pay creditors directly for debt consolidation

Cons

  • Does charge a $39 late fee in most cases
  • No refinancing options

Discover makes it easy for you to repay your personal loans and makes it easy to get your funding on time. In fact, same-day funding is often included because they frequently make same-day decisions after a possible borrower applies.

  • Minimum Credit Score: 660
  • APR: 6.99%-24.99%
  • Loan Range: $2500-$35,000
  • Term Range: 3-7 years

Discover doesn’t charge any origination or prepayment fees, either, making it easy for you to aggressively pay down your debt and lower your overall loan. They do charge a late fee, though. You’ll be able to borrow between $2500 and $35,000 for between 3 and 7 years.

Discover also provides the option to pay your creditors directly if you want to improve your credit score as promptly as possible. Furthermore, all users will benefit from a Free Credit Scorecard tool, which includes up-to-date FICO scores and information about any changes or inquiries to your credit report. It’s a great tool to help you keep track of things as you improve your credit.

We like that they offer a plethora of flexible payment options to help folks that may need to change their payment amounts as time goes on. Since you can prepay without a fee, you can easily start with a lower payment amount every month and work up to a higher amount as your finances become more stable.

Still, you can’t refinance your loan entirely and you do need a relatively high credit score of 660. But overall, they’re a great choice if you are committed to improving your credit score and paying down your debt ASAP.

6. Upgrade – Best for Low-Amount Good Credit Loans

Upgrade Logo

Pros

  • Can typically get you your funding quickly
  • Loan amount goes as low as $1000
  • Has job loss protection
  • Offers cosigning options

Cons

  • Do have origination and late fees
  • No direct repayment to creditors for debt consolidation

Upgrade is a flexible credit lending institution, as they typically accept a wide range of incomes and credit scores. This being said, the lower end of their APR range is 7.99%: a little higher than what the other lending institutions we’ve looked at so far offer.

  • Minimum Credit Score: 640
  • APR: 7.99%-35.97%
  • Loan Range: $1000-$35,000
  • Term Range: 3-5 years

Still, they have a decent loan amount range between as low as $1000 up to $50,000. This can make them a great choice if you only need a small bundle of cash for a short timeframe. You can borrow for terms between 3 years and 5 years, and they’ll potentially help your loan with a low APR by using your cash flow as a worthiness metric instead of your credit score.

Upgrade does allow cosigners depending on credit score requirements between both parties, so students might be able to take advantage of their services. They do charge an origination fee and late fees, unfortunately.

But they additionally offer hardship plans to protect you in the event that you lose your job. This will qualify you for a temporary reduction in your monthly payment or a loan modification for the rest of the loan’s term.

Furthermore, Upgrade is valuable since they typically get you your funding within a day of your application being accepted. So they’re a good choice if you need fast cash with reasonable terms.

7. Best Egg – Best for Big Purchases

Best Egg Logo

Pros

  • Typically very quick loan availability
  • Can prequalify you with a soft credit check
  • You can change your payment date
  • No prepayment penalties

Cons

  • Do charge origination and late fees
  • Higher than average income qualifications

If you already have good credit, you might consider Best Egg, which offers APRs between 5.99% and 29.99%. They let you borrow between $2000 and $35,000 in most cases, although borrowers with really good credit can go up to $50,000. Repayment terms are typically between 3 and 5 years, and you should get your funding relatively quickly: in some cases, it’s less than a single business day.

  • Minimum Credit Score: 640
  • APR: 5.99%-29.99%
  • Loan Range: $2000-$35,000
  • Term Range: 3-5 years

However, you’ll need a minimum credit score of 640 and a high annual income of $100,000. If you do qualify, you’ll potentially benefit from prequalification and a soft credit check that doesn’t stand a risk of harming your credit score.

Their loans come with additional advantages, like the option to change your payment date depending on what works best for you. Even better, there aren’t any prepayment penalties if you want to pay off your loans early and aggressively.

This being said, they do have several fees, like an origination fee that ranges between 1% to 5.99%. They also charge late fees and return fees if payments aren’t processed because of some digital hiccup. 

All in all, though, they’re a great pick if you already have a high income and good credit history. We’d recommend them if you want a loan for a sizable purchase, like house remodeling or a new car, and feel confident in your ability to pay off the debt sooner than the term limit. 

A Buying Guide for Finding a Loan for Good Credit

What’s a “Good Credit” Loan, Specifically?

As the name suggests, a good credit loan is a type of personal loan usually only reserved for those with good credit. If you struggle to maintain good credit, you may want to leverage a credit repair company to help your credit score.

Personal loans are typically unsecured. Unsecured loans like these don’t have any additional collateral to back up the debt, like a house or a car. So lenders will use other factors to determine your interest rate and other aspects of a loan, like your credit history, income levels, and debt at the time of loan application. All this gives them an idea about your likelihood to repay a loan.

Good credit loans normally require credit scores at certain thresholds (usually around the 670 zone). This is quite different from bad credit loans which — despite guaranteed approval in some cases — either have very low or no credit limits.

If you already have good credit, it’s easier to get a favorable unsecured personal loan. This translates to lower interest rates, better terms, more options, and so on.

You can also usually get good credit personal loans from a wider variety of financial institutions like banks or credit unions. Those with lower credit have fewer options and loans with worse terms.

What Rates Can You Expect for Good Credit Loans?

In general, good credit loans have better rates, or annual percentage rates (APRs). In a nutshell, this means that you’ll pay less interest over the lifespan of the loan.

The APR for a given good credit loan will, of course, vary by institution. But in general, you can expect a good APR between 6% and 18% from most institutions.

What Kind of Loan Can You Get with a Credit Score of 700?

A “good” credit score is usually defined as between 670 and 740, so 700 is right in a comfortable spot. It’s not “excellent” but should still allow you to get favorable loans with low interest rates and manageable terms.

If you have good credit but you’re worried about maintaining your credit score, you may want to consider a credit monitoring service to help you out. Top-notch credit monitoring services will protect you from identity theft, cyber attacks, and can shield other family members as well.

How You Should Choose a Good Credit Personal Loan

When looking for an ideal good credit personal loan, consider the following factors to narrow down your choices, and to get an agreement that benefits your needs.

Compare Rates

Firstly, be sure to compare the APRs for every good credit personal loan you consider taking out. Although the general range mentioned before (6% to 18%) will hold for the majority of cases, some institutions might have better deals based on your credit history or other factors.

You’ll almost always want a lower APR, with the exception of loans that don’t work for your monthly payment limit. For instance, it might be worthwhile to go with a higher APR if it results in a more affordable monthly payment.

Is APR your most important factor? See our report of the top low interest personal loans.

Determine the Loan’s Purpose

Consider what the overall purpose of the loan, as this dictates the interest rate and other features that might come with the loan agreement. As an example, some loans are specifically designed to help people pay off high-interest credit cards. So they may come with additional factors, like allowing you to make higher-than-agreed monthly payments to make paying off your credit cards easier.

Others might be for more standard things, like buying a car. These might have favorable interest rates or be accessible to younger people with good credit but not a lot of credit history.

What Features Does the Loan Have?

Spend some time looking at any additional features a loan might have. For instance, some lenders provide loans that can be tracked using a proprietary mobile app. Others might have flexible payment schedules or let you defer payments if you run into unexpected financial hardship.

Can You Get Pre-Qualified?

It may be worthwhile to go with a lender that pre-qualifies you for one of their loans. Prequalifying means that a lender trusts that you’ll pay back a loan on time without doing a deep dive into your finances or credit history.

This is advantageous since you’ll know how much the loan will cost before you sign on the dotted line, allowing you to budget ahead of time. It’s also helpful since it usually doesn’t involve a “hard” credit check, which can affect your credit score.

Any Additional Benefits?

Lastly, consider any additional benefits a loan might come with, like financial education resources or free credit score monitoring.

How Much Do Good Credit Personal Loans Cost?

The overall “cost” for a personal loan involves both the APR (which determines how much interest you’ll pay over the loan’s lifespan) and the monthly payment you’ll have to adhere to. In addition, you’ll have to figure the total term length for the loan into your calculations.

So in short, combine:

  • The loan’s term limit, or how many payments you need to make to pay off the debt
  • The APR, which determines your interest (i.e. any extra money you’ll pay on top of the agreed loan amount)
  • The payment amount each month

Note that your overall cost can be lowered by aggressively paying off loans as soon as you are able. Paying more than the monthly amount eventually results in you paying less interest overall.

Also, longer terms usually accompany lower monthly payments but with more interest in exchange. The reverse is also true; short-term loans with low interest rates are usually accompanied by higher monthly payments.

For Instance, How Much Is a 100k Loan Per Month?

Let’s do a bit of example math to demonstrate these principles. 

Say that you have a $100,000 loan you plan to pay it off in ten years. The APR for this hypothetical good credit loan is a very reasonable 14%.

So you start off with $100,000 that you’ll need to pay back: this is the starting amount of the loan.

Then consider adding 14% for every year. Eventually, this adds up to a grand total of $186,319.72 by the time the loan is paid off in a decade.

This also translates to a monthly payment of $1552.66.

Is it a good deal? That’s up to you to decide. It depends on your budget, what you’re taking the $100,000 out for, and whether your loan agreement allows you to aggressively pay the debt down if you come into more money ahead of schedule.

Why Get a Personal Loan?

There are plenty of reasons why someone might seek out a personal loan, and especially along with good credit.

For instance, people with lots of debt often employ debt consolidation strategies. This allows them to combine all of their debts into a single personal loan and repay that loan over time.

The advantage of this strategy is that it’s easier to handle multiple lines of debt consolidated into one monthly payment than it is to juggle a dozen different bills. This method can legitimately save money through lower interest rates, but will require using one of the best debt consolidation lenders to be worth it.

Other people might be interested in good credit personal loans to handle unexpected but emergency expenses. For instance, hospital bills or the cost to repair your car after it was totaled in an accident might be more than your savings account can handle. Taking out a personal loan will allow you to stay afloat and handle the debt in a more manageable timeframe.

Or you might be interested in home renovations. Remaking or remodeling your home can cost quite a bundle, so a personal loan with good credit will let you continue saving while still enjoying your home’s new interior or porch without going bankrupt.

Is It Smart to Get a Loan to Pay Off Debt?

In general, people who use personal loans (like the aforementioned debt consolidation loans) to pay off debt have only a few options. In some cases, people who are in a lot of debt have bad debt repayment strategies or don’t handle money very well. This may result in them having to take out an unending chain of new loans to cover previous debts, spiraling further and further into financial insecurity.

However, taking out a personal loan can be smart to pay off your debt if you stick with the loan’s payment agreement. Obviously, this is easier for some loans than it is for others. But using personal loans to pay off debt can be helpful if they take the immediate pressure of debt repayment off your shoulders and allow you to set up a better payment schedule or timeframe.

Summary

In the end, the best loan for good credit will depend highly on your personal needs, repayment schedule, and monthly budget. There’s a plethora of loans for a variety of income levels and needs. Study each loan carefully and consider what we said above about how to choose an ideal loan for your financial situation.

Have you tried out any of these loans yourself? Let us know and let’s discuss.

All reviews, research, news and assessments of any kind on The Tokenist are compiled using a strict editorial review process by our editorial team. Neither our writers nor our editors receive direct compensation of any kind to publish information on TheTokenist.io. Our company, Tokenist Media LLC, is community supported and may receive a small commission when you purchase products or services through links on our website. Click here for a full list of our partners and an in-depth explanation on how we get paid.

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Credit Intelligence (ASX:CI1) plans $6M raise for global expansion

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  • Credit Intelligence (CI1) has received firm commitments from Clee Capital to raise $6 million in proceeds
  • Through the capital raise, the company will issue 150 million shares to sophisticated and institutional investors at four cents each
  • Credit Intelligence also intends to issue one free attaching option for every two new shares issued during the raise
  • Capital raise proceeds will fund the expansion of the company’s various businesses into global markets, including the U.S. and U.K.
  • Credit Intelligence is down 4.08 per cent and trading at 4.7 cents per share

Credit Intelligence (CI1) has received firm commitments from Clee Capital to raise $6 million in proceeds.

Through the capital raise, the company will issue 150 million shares to sophisticated and institutional investors at four cents each. 

Credit Intelligence has also proposed issuing one free attaching option for every two new shares issued during the raise. The free attaching options will have an exercise price of ten cents per share and will expire two years from the date of issue.

Credit Intelligence’s Executive Chairman, Jimmie Wong, commented that financial support produced during this capital raise will fund the company’s global expansion plans.

“During strong economic times, our lending business and YOZO business will perform well. In the event of economic downturn or recession, CI1 is uniquely placed to also thrive during these unfortunate times from our debt restructuring and credit repair businesses,” he said.

“These core CI1 businesses have long track records of success for many years in their current markets. CI1 is now embarking on exciting expansion plans for new and existing businesses in global markets,” he added.

Specifically, these plans involve the expansion of Credit Intelligence’s main business and YOZO buy-now-pay-later (BNPL) offering in their current markets of Australia and Asia. The company will also expand its Singapore lending business.

Primarily, proceeds from the capital raise will fund the expansion of Credit Intelligence’s debt restructuring business and YOZO BNPL into new global markets, such as the U.S. and U.K. 

Credit Intelligence will also the proceeds to fund the additional development of its YOZO technology, which will provide further support to the company’s expansion efforts. Some funds may also go towards existing business operations and costs related to the offer.

Credit Intelligence is down 4.08 per cent, trading at 4.7 cents per share at 10:32 am AEDT.


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8 figure Serial Entrepreneur Shawn Sharma Built an Empire Leveraging Credit

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*Brand Partner Content*

Seven-figure entrepreneur, Shawn Sharma, teaches clients how to shop and travel smart to maximize returns on their credit cards

Since the dawn of credit and debit cards, shopping has never been easier. Think of how many times you have carelessly swiped your credit card to buy groceries, airline tickets, or even furniture, only to pay hundreds in interest later. Shawn Sharma has made a career showing thousands of clients how to turn their daily spending habits into substantial profits. Explaining easy ways to raise credit scores quickly and how to maximize credit card perks, Sharma has amassed over a million Instagram followers. The best news is, he started out with nothing when he was in college, meaning just about anyone can do the same.

The general principles of credit card hacking and travel hacking, both completely legal, are that you maximize bonuses, special deals, cash-back offers, and rewards just by using the cards the correct way. One trick is to pay off credit card bills each month before the statement is closed, resulting in sparing your interest fees, all the while maintaining your rewards, cash-back, and miles. Sharma shows his many clients how to amass wealth by improving their credit scores, accessing credit lines for funding their businesses, and offers tips to look at daily habits as potential earning opportunities.

Sharma grew up in poverty, not because of laziness or motivation, but because of unfair and unfortunate circumstances dished onto his immigrant parents. His father was a doctor, his mother a college professor, but neither could translate their experience and education in India to comparable US jobs. Between ailing health and the demands of feeding a young family, his parents could not achieve the American dream. Through witnessing their struggle, Sharma was inspired to reach for their dreams through his own education and business success. Hard work in high school earned him a full ride to an elite Math and Science boarding school. Shawn continued to Cornell University, where he was at the top of his class. Sharma refused to quit on his goals, even when life doubled down on the bad luck. His father passed away during Sharma’s final year at Cornell. Rather than giving up his dreams, he entered into the profitable world of credit card arbitrage, with impressive results.

Sharma discovered the secrets to wealth when he began maximizing credit card rewards and airline miles. What began as a means of saving his parents money on airline tickets back and forth from college became a side gig that generated $3,000 daily. “I was smart with this money and invested six figures into a 30-property Airbnb portfolio that I started from scratch with three other partners,” Sharma says. Although that business struggled due to partner disloyalty, it was still a valuable learning experience. Creating Credit 101, a company that helps clients fix their credit and build wealth without the common obstacle of start-up money, has grown into a leading credit repair company. “My vision with the company is to teach people that in the world of credit, we are all on the same playing field,” Sharma stresses that in personal wealth, at least in the area of credit card arbitrage, things like background, color, or station in life are irrelevant. Everyone is created equal in the realm of credit, and everyone can make money by following Sharma’s sound advice.

In less than two years, Sharma was able to build an Instagram following of over one million. Considering he did not utilize paid-for advertising, that is something to boast over, not that that is Sharma’s style. Instagram is the perfect platform for attracting new clients and distributing easy-to-follow daily tips, providing motivation, and networking with other entrepreneurs. One way Sharma stays at the top of his game is to allow plenty of funds for further education. Having spent hundreds of thousands of dollars on coaching, seminars, and courses, Sharma understands that becoming your healthiest mentally, personally, and in business is when you provide the greatest value to others.

These days, Sharma stays busy with dozens of businesses and has plenty of irons personally and professionally in the fire. He is active in several charities, takes care of his disabled mother, and works tirelessly on his future goals. One of his biggest goals is to get his medical degree and make a significant innovation in the medical technology space. “Seeing my parents struggle with chronic disease for years, I am driven to lessen that load on others,” he says. Most of Sharma’s clients report significant increases in their credit scores in only a few months, opening doors of opportunity they never knew existed.

To follow Shawn Sharma and learn more about how you can fix your credit score and maximize your personal wealth, check him out on his website and Instagram.

 

 

 

 

 



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Housing grant from TD bank aimed to help families displaced by pandemic

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GREENVILLE, S.C. (WSPA) – A quarter-million dollars is on the way to help give families across the Greenville area the assistance they need to get back on their feet.

On Thursday, the Greenville Housing Fund received a $250-thousand dollar grant from TD Bank, which will go towards the “Home Again Partnership” — a joint venture between the Greenville Housing Fund and United Housing Connections. 

Both organizations work to put displaced families back in stable housing. 

“It’s impacting livelihoods, jobs, income, health,” President and CEO of the Greenville Housing Fund, Bryan Brown said. “It’s having significant and serious impacts on our community and this is a symptom of that.”

Brown said prior to the pandemic, they were aware of two hotel/motel communities where families were living, now there’s ten.

“That’s the impact that COVID has had on this community,” Brown said. “This growing insecurity, housing instability has led to families living in ten hotel motels in our community. “

The “Home Again Partnership” works to identify families with school aged children living in hotels to provide them with resources like housing and financial assistance, all aimed promoting self sufficiency.

“When you have families in hotels, you have a child doing homework off the edge of a bed and then eating off a hot plate, that’s not a family environment,” said CEO of United Housing Connections, Lorain Crowl.

Crowl said the first step is connecting students with a McKinney-Vento liaison.

“Which is a liaison that works in all Greenville County schools,” Crowl said. “Every school has one that is tasked with engaging homeless and families who are experiencing homelessness with children.”

And then the work begins.

“We start with the very basics,” Crowl said. “‘Where are you now?’ And then we carry you through with rent stabilization. That means we may come alongside you with some grant money.”

Or other resources like case management, credit repair, etc.

“We carry folks through a program, through a two-year program to help them develop a savings account, tools to be on their own and eventually they’re in their own housing,” said Crowl.

Both organizations say they have resources readily available.

“There are all kinds of programs and networks that we can really plug families into and then help them along to get to know those folks and be sure that they’re served,” said Crowl.

If you’re a Greenville family in need of assistance, Crowl said to contact your school counselor. Every school counselor in Greenville County is connected to a liaison who can connect you to the partnership.

Crowl said since the pandemic began, the partnership has served 375 households, with $2.1 million dollars put into the community from all resources to help families remain stabily housed.

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