#LendingTree

[lendingpalm]

LendingTree Personal Loan Pros and Cons

When considering financing options, it’s smart to weigh the LendingTree personal loan pros and cons before applying. LendingTree isn’t a direct lender but a loan marketplace that connects borrowers with multiple lenders, allowing users to compare rates, terms, and offers in one place. A major advantage is the ability to prequalify without impacting your credit score. This makes it easy to shop around for the best personal loan deal that suits your credit profile and financial goals.

Another pro is the wide variety of loan options, from debt consolidation to home improvements. However, there are downsides. Since LendingTree works with many partners, you may receive numerous promotional calls or emails. Also, approval and rates ultimately depend on the lender, not LendingTree itself, so experiences can vary widely.

Overall, LendingTree personal loans are ideal for borrowers who want to compare multiple offers quickly but should be prepared for follow-up from third-party lenders.

[onlineloansyash]

Need Fast Cash? Discover How CashTodayAsap Can Get You Up To $900 In Minutes!

Bad Credit Loans ($100 - $900)

No Credit Check Loans ($100 - $900)

Cash Loans ($100 - $900)

Online Small Loans ($100 - $900)

$900 Payday Loans

Fast E-Approval In 7 Minutes

Direct Deposit For Immediate Access

Visit & APPLY CLICK HERE

[g4zdtechtv]

THE PILE PRESENTS: X-Play - WCG 2004 Special | 10/18/04

Who says you can't go home? Especially when you go...

🎵 BEYOND THE GAME 🎵

[cohendyke]

please take out a loan please…. ohhh you want money so bad…. you want money to spend and then pay back plus interest soooooo bad….. you want something nice sooooo bad…… you want to destroy your credit at the ripe age of 22 sooooo fucking bad…. you want to pay off a loan while only working part time soooo fucking bad….. please take out a loan i’m dying…. please

[beardedmrbean]

Self-checkout lanes at grocery stores and retail outlets are sometimes a controversial topic. Shoppers either love the convenience or hate that they have to do the work they feel an employee should be doing.

Some retailers have begun limiting their use or eliminating them altogether, citing higher rates of theft or what's called shrink in the industry.

So what's the future of self checkouts? Are they here to stay, is different technology on the horizon or will retailers return to all cashier checkouts?

"Self-checkouts are not going away, but their role is evolving," Santiago Gallino, an associate professor of marketing, and of operations, information, and decisions at the Wharton School of the University of Pennsylvania, told USA TODAY.

Self checkouts can be a source for theft

While self checkouts offer convenience to shoppers and require fewer cashiers at registers, they can also be a source for shoplifting. According to a November 2023 LendingTree survey of 2,000 U.S. consumers, 15% of self-checkout users have purposely stolen an item — and 44% of self-checkout thieves plan to do it again.

In a 2022 report “Global Study on Self-Checkout,” two-thirds (66%) of the 93 retailers in the survey (29 were from North America) said they thought self-checkout losses were becoming more of a problem in their businesses.

And the National Retail Federation in a December 2024 report said retailers were reporting a 93% increase in the average number of shoplifting incidents per year in 2023 versus 2019 and a 90% increase in dollar loss due to shoplifting over the same time period.

"Self-checkout provides consumers with the convenience of quick shopping. As with other purchasing options, retailers must consider various factors to ensure the benefits are maximized for both consumers and themselves," NRF Vice President of Asset Protection and Retail Operations David Johnston told USA TODAY.

Added Neil Saunders, a retail analyst at the research and analytics firm GlobalData: "I don’t think self-checkouts are going to disappear, but many retailers have cooled on them over the past couple of years and have put more restrictions around their use."

Target self checkouts limit usage to 10 items or less

Self checkout usage has been in the news lately, with reports that Target was limiting its self checkout to 10 items or less. But a Target spokesperson said the retailer changed its policy to limit the use of its self checkout lanes in March of 2024 and said there were some inaccuracies in some recent media reports, which made it seem that there was a new policy.

"Target is not removing self-checkout. We offer it in the vast majority of our stores and have no plans to change this," a spokesperson said.

"Since the changes in March 2024, we’ve improved total transaction times by 8% and our already high score for wait times by 5 points based on the Net Promoter Score (NPS) for checkout — a measure of customer experience," a Target spokesperson said. The updates deliver "a faster, easier, and more efficient checkout experience."

But shoppers on social media haven't been happy with the 10-item Target policy, complaining that there are times when the self checkout lanes are empty – or used by people with more than 10 items – while the cashier lanes are backed up.

Target's self checkout policy change was put in place to reduce theft and losses from genuine customer errors, said Saunders. But it has caused frustration for shoppers, he said.

"The problem is that it has put more pressure on manned checkouts and Target has not uniformly increased capacity which can lead to longer wait times," he said. "The policy also isn’t routinely enforced, and a lot of staff just ignore customers checking out more items, this can create some annoyance with other customers.

Some retailers are significantly reducing self checkouts

Some retailers have significantly reduced the use of self checkouts at their stores.

In an earnings call in March 2024, Dollar General CEO Todd Vasos said the retailer was beginning to convert some or all of its 9,000 stores' self checkout registers to associate-assisted stations. Dollar General was also reducing self-checkout registers to allow five items or less and completely removing self checkouts at its 300 stores with the highest theft rates.

"Collectively, we believe these steps are in line with where the customer wants us to be, which includes increasing personal engagement with them at the store. Additionally, we believe these actions have the potential to have a material and positive impact on shrink," Vasos said during the call.

Dollar General did not respond to an inquiry to ask for updates on its self checkout policies or practices.

The CEO for retailer Five Below also said in March 2024 that it would be similarly pulling back on self checkouts and had moved to shopper-assisted checkout at all stores, where a customer can scan, but a cashier finishes the transaction. Five Below also did not respond to a media inquiry.

What is happening at Walmart self checkouts?

Walmart has removed self checkout machines in some locations, including in Shrewbury, Missouri and Cleveland.

In 2024, Walmart was testing its self checkout lane usage and in some cases limiting the use of the lanes, reserving some for Walmart+ members and drivers for its Spark delivery service, according to a report from news site Business Insider, USA TODAY previously reported. A Walmart spokesperson confirmed some self checkout machines have been removed from some stores and the retailer is still using some lanes for Walmart+ and Spark services.

In a statement provided to USA TODAY, a Walmart spokesperson said “there are no current plans for self-checkout removals nationwide."

"We look for ways to innovate in our stores, including the checkout experience. These decisions are based on several factors, including feedback from associates and customers, shopping patterns and business needs in the area," Walmart said.

What is happening to self checkouts at Sam's Club?

Sam's Club has a Scan & Go system installed in all of its warehouse stores, which allows shoppers to scan their items in an app to avoid a self checkout or traditional cashier lane. Sam's Club introduced its exit technology, which allows shoppers to pay for their cart of scanned items and utilizes AI technology to check the items in the cart before an employee verifies as the shopper walks out.

A Sam's Club spokesperson did not address self checkouts specifically, but sent a statement to USA TODAY.

"As we continue to revitalize our fleet, we’re testing and learning to ensure we’re delivering solutions that meet the needs of our members," the spokesperson said. "We provide flexibility and options for how members choose to pay, and our associates are there to assist and help members new to tools like Scan & Go.

Pros and cons of self checkout for retailers, shoppers

There's pros and cons for both retailers and shoppers with self checkout options, said Gallino. For retailers, it provides cost savings in reduced staffing and potentially helps get shoppers through checkout lanes during peak times.

The downside is self checkouts have been linked to higher theft and managing them still requires labor and supervision, he said.

"For consumers, they offer speed and autonomy (when everything works!). But when issues arise, like item scan errors or age-verification delays, customers can get frustrated quickly. Self-checkout works best for small, quick trips, not large basket sizes," Gallino said.

Retailers are recalibrating self checkout usage, rather than retreating, he said.

"Retailers are learning that while self-checkout can offer operational efficiencies, it also introduces trade-offs," he said. ""The result is not a full reversal, but a more nuanced approach where self-checkout is used strategically."

[meandmybigmouth]

LET THE SQUATTING BEGIN!

According to LendingTree, there are over 16 million vacant homes in the United States. This represents about 9% of the country's homes.

[nando161mando]

[persofina]

Why You Should Use a Personal Loan to Pay Down Debt

The average American with credit card debt carries a balance of approximately $6,354, according to USA Today. But the news is even worse in some states like Alaska, New Mexico, and Louisiana, according to an analysis of credit card debt from creditcards.com. Consumers in these three states carried an average of $10,685, $8,323, and $8,110 in credit card debt, respectively, as of 2017. This is unfortunate, but it's not completely unexpected. It's easy to lean too hard on a credit card when you face a job loss or a loss in income, and high interest rates don't help matters much. The average credit card today carries an APR of well over 17%. With so much interest charged on revolving credit card debt, it's difficult to make a dent in the principal of your balance. This often leaves people languishing in debt for years, and even racking up more debt over time. Consumers use many strategies to get out of debt, one of which involves applying for balance transfer cards. With a balance transfer card, you qualify for 0% APR for a limited time — usually 12 to 21 months. However, you're normally required to pay a balance transfer fee of 3% or 5% of your balance, and the introductory offer won't last forever. Some people use balance transfer cards to successfully pay down debt at 0% APR, but others simply make the minimum payments and never make real progress against their debts. Those consumers usually end up exactly where they started once their card's introductory offer ends — with plenty of debt and a crushing APR. There may be a better, more predictable way out of debt, however, and it involves a personal loan. (See also: 5 Times Personal Loans May Be Better than Credit Cards) How a personal loan can help you climb out of debt Applying for a new loan to work your way out of debt may go against the grain of common sense, but there are plenty of reasons a personal loan can work. For starters, personal loans come with low fixed interest rates that never change — even as low as 4.9% APR for consumers with good credit. Second, personal loans have fixed repayment schedules that tell you exactly when you'll become debt-free. Because personal loans have fixed rates and fixed repayment terms, you also have a fixed monthly payment that stays the same. This is much different from the way credit cards work since your payment will change based on your APR and how much you owe. With a personal loan to pay down debt, you know exactly what you're getting into. You know how much you'll need to pay each month, when your loan will be paid off, and what your interest rate will be the entire time. The best part is, a personal loan is not a line of credit you can borrow against. So once you use your loan proceeds to pay off and consolidate your credit card bills, you won't have the option to use your loan to rack up more debt. (See also: 10 Things You Need to Know Before Taking Out a Personal Loan) How to do it the right way If your goal is getting out of debt this year, a personal loan could be exactly what you need. But you'll be in the best position to help yourself if you go about repayment the right way. Compare personal loan offers Personal loans are offered by large financial institutions like banks and credit unions as well as several online lenders. Because there are so many options to get a personal loan, your first step is shopping around to compare offers in terms of their interest rates and fees. The best personal loans come without an origination fee, any application fees, or hidden fees. If you want to shop around among multiple lenders in one place, you can also check out LendingTree. This website lets you fill out a single loan application and get offers from multiple banks and lenders in one place. (See also: 5 Personal Loan Fees You Should Never, Ever Pay) Find your best match now with this handy comparison tool. Select the type of loan you’re looking for, the amount, your credit rating and state, to… http://dlvr.it/T3qJvs As seen on Wisebread.comsincerely yours Persofina: Personal Finance Hacks

[realist-fortheloveofwomen]

These tags are insane to me, what women genuinely are you meeting that don’t wipe their asses or can’t perform basic hygiene? Males who identify as women don’t count btw, met many of those type who don’t shower tho (yes irl, rip my nose).

“All women around me wear makeup” is actually very relatable and is constantly pressured in our society. “12 step beauty routine” is a metaphor for how much money, time, and energy women spend on average on their appearance.

9 year old girls are wearing “anti aging” beauty products btw. 9 year old girls have skin care routines. This isn’t healthy or normal, and it is divided by sex.

That being said- wear deodorant, take regular showers, brush your teeth, brush your hair, wash your clothes… etc etc…

(Ofc I link my sources! These show that younger generations are spending too much on beauty, and ofc we all know this is women doing this)

Also Inb4 “erm this proves my point that you smell how dare you criticize choicy choices of an industry that feeds on women’s insecurities”

Hearing about ads for women’s “full body deodorant” knowing men don’t even wipe their asses after they shit

[arbitcoin]

سياسة بنك الاحتياطي الفيدرالي تؤذي بيتكوين ، يحذر الخبير الاقتصادي تيموثي بيترسون

يعتقد الخبير الاقتصادي تيموثي بيترسون أن سعر البيتكوين يعيق القرارات السيئة من الاحتياطي الفيدرالي الأمريكي.في منشور حديث على X ، قال بيترسون ارتكب بنك الاحتياطي الفيدرالي خطأً كبيراً من خلال تشديد السياسة النقدية أكثر من اللازم. ووفقا له ، هذه الخطوة تؤذي الاقتصاد الأمريكي - ومنع البيتكوين من الوصول إلى إمكاناته الحقيقية.هل بنك الاحتياطي الفيدرالي يجعل الاقتصاد أسوأ؟أوضح بيترسون أن بنك الاحتياطي الفيدرالي قد قلل من عرض النقود بقوة شديدة ، والذي يسبب الآن انكماشًا. وأشار إلى أن انخفاض الأسعار ، وانخفاض الإنفاق ، وبطء النمو هي علامات على أن الاقتصاد يضعف - وليس التعزيز.وكتب بيترسون: "ما زال الاحتياطي الفيدرالي لا يدرك أن القضية الحقيقية هي سياسته الخاصة".وهو يعتقد أن الاقتصاد الأمريكي يتقلص لأنه لا يوجد ما يكفي من المال. هذا الموقف يجعل من الصعب على كل من الشركات والمستهلكين الازدهار.صراعات حقيقية وراء الإحصائيات ذات المظهر الجيدعلى الرغم من أن معدل البطالة هو 4.2 ٪ فقط ، إلا أن دراسة استقصائية حديثة LendingTree تُظهر أن أكثر من 25 ٪ من الأميركيين يستخدمون الشراء الآن ، فأدفع لاحقًا (BNPL) القروض لشراء البقالة - من 14 ٪ العام الماضي. يقول بيترسون إن هذا دليل على أن العديد من الناس يكافحون ، حتى لو كانت أرقام الوظائف تبدو جيدة.نمو بيتكوين يعيق؟يدعي بيترسون أن البيتكوين قد يتراوح ما بين 30 ٪ إلى 50 ٪ اليوم إذا كان بنك الاحتياطي الفيدرالي قد تمكن من "الهبوط الناعم" المناسب للاقتصاد. بدلاً من ذلك ، فإن السياسات الحالية تحد من نمو الأسعار.وحذر من أن كل من الاقتصاد وسوق التشفير قد يشعران بآثار أخطاء السياسة هذه لسنوات. ويقول إن المستثمرين يجب أن يكونوا حذرين وأن يتخذوا قرارات انتقائية للمضي قدمًا.

[lendingpalm]

Lendingtree Personal Loans

 LendingTree Personal Loans offer a smart way to compare multiple lenders with one simple application. Instead of lending directly, LendingTree connects you with a wide network of trusted financial institutions, making it easy to find competitive rates and terms tailored to your credit profile. Loan amounts typically range from $1,000 to $100,000, with APRs starting around 6.50% for top-tier credit. Borrowers appreciate the convenience of viewing multiple offers side by side, often within minutes LendingTree Personal Loans in 2025 also allow you to filter by loan purpose, repayment term, and more, helping you make a confident choice. Whether consolidating debt or covering large expenses, LendingTree makes personal loan shopping in 2025 faster and smarter.

For more information visit here :- https://lendingpalm.com/lendingtree-personal-loan/

[richelsmore]

Credit Card Debt

​Credit card debt varies significantly across countries, influenced by factors such as economic conditions, consumer behavior, and financial regulations. Below is a list of 20 countries with notable median credit card debt per person, based on available data:​ Countries with Higher Median Credit Card Debt: United States: $5,910​ Japan: $2,900​ United Kingdom: $2,316​LendingTree Germany:…

[danielkaufmanrealestate]

1 in 7 U.S. Homes Are Now Uninsured—Here’s Why That’s a Growing Risk for Buyers and Investors

By Daniel Kaufman A new report reveals a startling statistic: more than 11 million homes across the U.S. are currently uninsured, representing roughly 1 in every 7 owner-occupied homes. As home insurance premiums continue to climb, affordability is pushing more homeowners—particularly in high-risk markets—out of coverage entirely. According to LendingTree’s analysis of U.S. Census Bureau data,…

[marcedrickirby]

TREE is up +0.56% to $51.68. Check it out on Yahoo Finance: https://finance.yahoo.com/quote/TREE

MARCEDRIC KIRBY FOUNDER CEO. CFO. CFI.

MARCEDRIC.KIRBY INC.

WELCOME TO THE VALLEY OF THE VAMPIRES

[prestigebfs]

Tips to Qualify for a Personal Loan: How to Get Approved Fast

Are you looking for a personal loan but unsure if you qualify? Whether you need a loan for debt consolidation, home improvements, or emergency expenses, understanding the qualification process can improve your chances of getting approved with the best terms.

In this SEO-optimized guide, we’ll cover: ✅ Key requirements to qualify for a personal loan ✅ Tips to improve your eligibility ✅ Common mistakes to avoid ✅ Best lenders for personal loans

Follow these expert tips to increase your chances of loan approval and secure the best interest rates!

1. Check Your Credit Score Before Applying

Your credit score is one of the most important factors lenders consider when evaluating your loan application.

📌 Credit Score Ranges: ✔️ Excellent (750+): Best interest rates & high approval odds ✔️ Good (700-749): Qualifies for most loans with competitive rates ✔️ Fair (650-699): Higher interest rates, but still eligible ✔️ Poor (Below 650): May need a co-signer or secured loan

🔹 How to Check Your Credit Score for Free:

AnnualCreditReport.com (Official Free Credit Reports)

Credit Karma, Experian, or Credit Sesame

💡 Tip: If your score is low, improve it by paying down debts and making on-time payments before applying for a loan.

2. Improve Your Debt-to-Income Ratio (DTI)

Lenders assess your debt-to-income ratio (DTI) to determine if you can handle a new loan.

📌 Formula: DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100

✔️ Ideal DTI: Below 36% ✔️ DTI Above 50%? Pay off some debts before applying

💡 How to Lower Your DTI:

Pay off credit card balances

Increase your income (side hustle, raise, etc.)

Refinance high-interest loans

A lower DTI makes you a less risky borrower, increasing approval chances!

3. Maintain a Stable Income and Employment

Lenders want proof that you can repay the loan, so a steady income and employment history are crucial.

📌 What Lenders Look For: ✔️ At least 6-12 months of stable employment ✔️ Consistent monthly income ✔️ Self-employed? Provide tax returns & business income proof

💡 Tip: If you just started a new job, wait a few months before applying to show stability.

4. Reduce Outstanding Debt Before Applying

High credit card balances or existing loans can reduce your approval chances.

✔️ Pay off debt to free up credit availability ✔️ Make extra payments on existing loans ✔️ Avoid maxing out credit cards before applying

💡 Tip: Aim to keep credit utilization below 30% for the best results.

5. Compare Lenders and Loan Options

Not all lenders have the same requirements. Comparing multiple lenders can help you find the best personal loan terms.

📌 Top Personal Loan Lenders for 2024: 🏦 SoFi – No fees & competitive rates 🏦 Upgrade – Ideal for fair credit (scores above 600) 🏦 Marcus by Goldman Sachs – No fees & good for excellent credit 🏦 Upstart – Approves borrowers with lower credit scores 🏦 Discover Personal Loans – Fixed rates & no prepayment penalties

💡 Tip: Use loan comparison websites like LendingTree or NerdWallet to find the best rates.

6. Avoid Multiple Loan Applications at Once

Applying for multiple loans in a short period can hurt your credit score and make lenders view you as risky.

🔹 Instead, do this: ✔️ Use a loan prequalification tool to check eligibility without a hard credit pull ✔️ Apply to one lender at a time

💡 Pro Tip: Most prequalification tools use soft inquiries, which don’t affect your credit score!

7. Consider a Co-Signer If You Have Bad Credit

A co-signer can help increase your approval chances and get a lower interest rate.

✔️ Must have a good credit score (700+) ✔️ Takes responsibility if you fail to repay ✔️ Can help secure a larger loan amount

💡 Tip: Ask a trusted friend or family member to co-sign, but be sure you can make payments on time to avoid damaging their credit.

8. Choose the Right Loan Amount

🔹 Don’t request more than you need! Lenders may deny loans if the amount exceeds what you can afford to repay.

✔️ Use a personal loan calculator to determine the right loan amount ✔️ Check how much you qualify for based on income & credit score

💡 Tip: Smaller loan amounts have higher approval rates and lower monthly payments.

9. Have the Required Documents Ready

Being prepared with the right paperwork speeds up the loan approval process.

📌 Common Documents Required for Personal Loans: ✔️ Proof of Identity: Driver’s license, passport ✔️ Proof of Income: Pay stubs, tax returns, W-2s ✔️ Employment Verification: Offer letter, employer contact info ✔️ Proof of Residence: Utility bill, lease agreement

💡 Tip: Digital copies of documents speed up online applications.

10. Watch Out for High-Interest Loans and Scams

🚫 Avoid lenders that: ❌ Offer “guaranteed approval” with no credit check ❌ Charge extremely high interest rates (above 36% APR) ❌ Require upfront fees before approval

✔️ Stick with reputable lenders and read the fine print carefully.

💡 Tip: If a loan offer sounds too good to be true, it probably is!

Looking For Personal or Business Funding Up to $250K? No Upfront Fees. Book a Free Consult - https://prestigebusinessfinancialservices.com

Email us - anthony@prestigebfs.com

Final Thoughts: How to Qualify for a Personal Loan Fast

Getting approved for a personal loan requires good credit, stable income, and responsible financial habits. Here’s a quick recap of the top tips:

✅ Check & improve your credit score ✅ Lower your debt-to-income ratio ✅ Maintain steady employment ✅ Compare lenders for the best rates ✅ Avoid multiple applications ✅ Consider a co-signer if needed ✅ Be prepared with the required documents

💰 Need a personal loan? Apply with confidence using these tips!

Looking For Personal or Business Funding Up to $250K? No Upfront Fees. Book a Free Consult - https://prestigebusinessfinancialservices.com

Email us - anthony@prestigebfs.com

💬 Have you applied for a personal loan before? Share your experience in the comments!

Prestige Business Financial Services LLC

"Your One Stop Shop To All Your Personal And Business Funding Needs"

Website- https://prestigebusinessfinancialservices.com

Email- anthony@prestigebfs.com

Phone- 1-800-622-0354