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Personal loans are better at Ent
Need to make a large purchase, consolidate debt or cover unexpected expenses?
An Ent personal loan can help. Choose a loan amount and repayment term that fits your budget and lifestyle.
If you’re not sure how much you need, an Ent personal line of credit may be a better option. You can get up to $3,000 so you can buy what you need, when you need it. Apply now
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Refinance HELOC Guide: Can You Refinance a HELOC and Practical Tips
Imagine this: A few years ago, you took out a Home Equity Line of Credit to fund a significant home renovation. Fast forward to today, and you find yourself juggling higher interest rates with steadily climbing payments. Or you may be nearing the end of your draw period and must start repaying both principal and interest.
In these scenarios, you’re not alone. Many homeowners face similar challenges as they reach the end of their HELOC draw period or struggle with fluctuating interest rates. So, what is a HELOC, and can you refinance it? If so, how does the process work? Let’s dive into the details.
What is Unemployment Fraud? Unemployment Insurance Fraud on the Rise
Since the pandemic, unemployment insurance fraud has been increasing. If you have been the victim of fraud, read this article for steps to take.
Calculating Retirement: How Much Money Do I Need to Retire?
Saving for retirement is an almost universal problem. At some point, and at some age, most people aren’t physically able to keep working. And it’s why setting aside a nest egg is crucial. The idea of running out of money when you’re no longer able to work can be frightening to many people. Social Security is designed to fill in the gaps, not be the sole source of retirement income. Most people can’t afford to live just on their monthly Social Security benefits. That’s why you need to do your research before deciding how much to save for your retirement each month. You might also be able to use a retirement savings account to reduce your income tax at the end of the year. Use this in-depth guide to make sure you can cover your everyday expenses when going to work is no longer an option.
5 Delicious Tips for Celebrating Thanksgiving on a Budget
Thanksgiving is a time for loved ones, gratitude, and, of course, delicious food. But hosting a lavish feast doesn't mean you have to break the bank. Thanksgiving on a budget is possible and can be just as enjoyable and memorable. With careful planning and some creativity, you can host a fantastic celebration that delights your guests without causing financial stress.
Budget-friendly festivities allow you to focus on spending quality time with loved ones. Plus, you'll find that a simpler approach reduces the holiday hustle and bustle. Let's explore five delicious tips to help you celebrate Thanksgiving without overspending.
Infographic: Different Styles of Budgeting
There’s more than one way to make a budget. Use this guide to learn about the different ways you can manage your expenses as you work toward your financial goals.
How to Calculate Interest on a Credit Card
The true cost of your credit card depends on a range of factors, including how much you spend and how much and how often your card issuer charges interest on the unpaid balance.
It’s always a good idea to know exactly how much you’re paying every time you use your credit card. What may seem like an innocuous purchase could come back to haunt you down the line after you calculate the interest and other related fees. You should be aware of how much you will have to pay down the road when using a credit card, including how soon you will need to pay it off, the annual interest rate and any other guidelines for using the card. Use this guide to find out how much you’re really paying every time you swipe.
What is a Good Credit Score?
In personal finance, one of the most pivotal metrics that reflects your financial health is your credit score. This three-digit number is the culmination of your credit actions and behaviors. It is a shorthand for lenders to gauge your trustworthiness as a borrower. Are you wondering how to build credit? First, understand the nuances of credit scores, including what a good credit score is and how it can affect your financial opportunities. This guide explains the key variables and details to navigate the credit market successfully.
Credit Card vs Debit Card: What's the difference
Nowadays, debit and credit cards are used as the primary way to pay for purchases. They are designed to be easy and convenient to use on the go, so you don’t have to carry around large quantities of cash. You can also freeze the card if it is lost or stolen to limit your exposure to fraud. But credit and debit cards work in different ways. A debit card gives you a direct line to the money already in your checking account, while a credit card means buying something on credit. You will then need to pay off the balance on the card plus any interest that has accrued. Credit cards can enhance your credit score, while debit cards do not impact credit history. Additionally, credit cards frequently offer rewards and benefits, such as cash back or points. Learn how to find the right type of card for your situation and ensure you use these two cards responsibly.
How to Protect Yourself from Spear Phishing Attacks
Cyber threats have become increasingly sophisticated, targeting not just large corporations but individuals as well. Among these threats, the spear phishing attack is one of the most deceptive and damaging. So, what is a spear phishing attack, and how do you protect yourself?
Protecting Your Finances: Navigating Social Media Safely in the Digital Age
In today's interconnected world, social media platforms have become an integral part of our lives. They help us stay connected with friends and family, share experiences, and even manage our finances. However, the same platforms that bring us together can also pose risks to our cybersecurity and personal information. In this article, we'll explore the intersection of social media and cybersecurity, and provide tips on how to protect yourself and your finances in the digital age.
Car Buying Guide: The Ultimate Guide to Learn How to Buy a Car
Ahh the rumble of the engine starting up, the sun glinting off the new paint and that sweet new car smell. There are few things that are more satisfying than the feeling of driving your brand-new car off the lot for the first time. But before you walk away with keys in hand, there are a few steps you must go through first. There can be a lot of anxiety around the car buying process, especially if you aren’t familiar with it and don’t know what to ask. This guide will give you a comprehensive primer of things to know and look out for to ensure that your experience at the dealership is a smooth ride.
Why Credit Is Important & How to Apply for a Credit Card Your First Time
Applying for a credit card, using it responsibly and paying bills on time every month can help you achieve your credit goals. Are you wondering how to apply for a credit card? Depending on your existing credit, payment history and income, applying can either be a breeze or a bit of a challenge.
Ent’s Skip-A-Pay can help when your budget’s a little too tight
Skip-A-Pay is an optional program to defer a consumer loan payment for a $25 fee per skipped loan payment.1
Loans that are eligible for Skip-A-Pay:
Still have questions?
1Skip-A-Pay is an optional program to defer a consumer loan payment for a $25 fee, per skipped loan payment. Your loan must be open for one (1) year to be potentially eligible for this benefit. Other qualifications apply. Finance charges will continue to accrue at the rate provided in your original loan agreement during and after the payment deferral. Deferring your payment(s) will result in higher finance charges and will extend the term of your loan(s). You will be required to resume regular monthly payment(s) the following month. GAP claims will not cover skipped loan payments. Please consult your GAP Policy for more information. Offer subject to change at Ent’s sole discretion.
Standard account and credit qualifications apply. All loans subject to final credit approval. Rate includes an automatic payment and electronic notices discount. Rates and terms are subject to change without notice and are dependent upon credit performance. Visit Ent.com/Legal to review Ent's Important Loan Information and Disclosures.