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BrightRates

The best rates on personal loans, student loans, and mortgages

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  • Personal Loans
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      • Best loans for borrowers with bad credit
      • What is a hard credit pull vs a soft credit pull?
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      • The Debt Avalance vs the Debt Snowball…which is better?
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      • Balance Transfer Cards vs Debt Consolidation Personal Loans
      • How to lower your credit card monthly payments with debt consolidation
      • What’s the different between Debt Settlement vs Debt Consolidation?
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About Us

BrightRates is dedicated to helping consumers make informed financial decisions.  We believe this is best achieved through better technology, being a steward of consumer data, and offering unbiased advice.

Personal finance has become increasingly complex with more lenders, more choices, and more sources to go to for advice than ever. While technology cannot answer all of our financial questions, it can help us understand the trade-offs that we face with every purchase we make.

Our Beliefs On Debt

The decision to take on debt is one of the most important financial decisions an individual makes.  Debt is often necessary and can improve a person’s live through better living, education, and business opportunities.  However, if done the wrong way, debt can create a vicious cycle of payments that make it extremely difficult to achieve a healthy, functioning financial life.

For this reason, we believe that debt is one of the most impactful areas where we can focus.  It’s not only one of the most impactful areas of personal finance, it is also one of the most difficult areas for consumers to navigate.  What kind of mortgage or loan is best?  Do I own assets that could give me a cheaper rate?  What fees should I be aware of before taking out a loan or mortgage?

When people have a situation that warrants taking on debt, our goal is to make sure they find the best rate.  And if a consumer finds himself with debt already, our goal is to help them refinance or pay it off in quickets way possible.

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© Copyright 2018 BrightRates · All Rights Reserved · Privacy Policy · Terms of Service · E-Consent
THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not make credit decisions, and does not charge any application fees. This Website does not constitute an offer or solicitation to lend. This Website provides a service wherein we submit the information you provide to one or more lending platforms and attempt to match you with a lending platform. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Providing your information on this Website does not guarantee that you will be matched with a lending platform or approved for a loan. The lending platform may perform a credit check or otherwise verify the information you provide. Not all lending partners offer loans up to the advertised amount and not all lending platforms can provide you with the loan amount you requested. Loan amounts are determined by the lending platform based on individual creditworthiness. All financial terms of the loan will be provided to you by the lending platform. Loan terms, conditions, and policies vary by lending platform, state, and applicant qualifications. For details, questions, or concerns regarding your loan please contact your lending platform directly. In some situations, faxing or emailing of documents may be required. Cash transfer times may vary between lending platforms and may depend on your individual financial institution. Loan repayment periods could vary by lending platform and location. Not all applicants will meet the lending criteria to qualify for a loan. Borrow Responsibly – A short-term loan is ideally used for short-term financial needs only, not as a long-term financial solution. Late or missed loan payments may be subject to increased fees and interest rates. lending platforms may use collection services for nonpayment of loans. We recommend seeking credit counseling if you have financial difficulties.