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Plain-English guides to borrowing wisely — whether or not you borrow from us.
APR vs. interest rate: what's the difference?
The interest rate is the cost of borrowing the money. The APR adds most fees on top, so it's the better number for comparing loans.
Read article →5 min readHow debt consolidation works (and when it doesn't help)
Consolidating means replacing several debts with one loan. It can lower your cost and simplify payments — but only if the numbers and your habits line up.
Read article →4 min readHow to read a loan offer before you sign
A walk-through of the numbers on a personal loan offer — amount, APR, term, payment, total cost and fees — and the questions to ask.
Read article →4 min readBudgeting for a monthly loan payment
A practical way to check that a new loan payment fits your budget before you apply, with a simple worksheet.
Read article →5 min readHow to spot loan scams and phishing
Common warning signs of loan scams and fake payment requests, how LoanEase contacts you, and where to report fraud in the US and Canada.
Read article →4 min readBorrowing basics: United States vs. Canada
How personal loans differ for US and Canadian borrowers: identity numbers, currency, credit bureaus, rate limits and where to get your free credit report.
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