John Howard
John Howard

John Howard

Principal editor specializing in personal finance.

Expertise

Expertise

  • Personal finance
  • Personal loans
  • Credit score
Education

Education

  • B.A. in journalism from the University of North Carolina
  • Doctorate in English, University of Florida

About the author

John Howard has been the lead editor for MoneyFor’s personal loans and debt management coverage since 2016. Before joining MoneyFor, John held editorial roles at Kiplinger and The Oregonian, where he focused on consumer finance and economic trends. He later launched a freelance career, working with major financial publications. John holds a degree in economics from the University of North Carolina and a master’s in journalism from the University of Florida.

John's latest articles

woman looks at her phone

How to Choose the Right Budgeting App

From basic expense trackers to all-in-one money management tools, there’s a budgeting app for every type of spender.

woman on her phone

Chime Review: More Features, Same Low Fees

Chime is a fintech app that offers low fee banking services to everyone.

A couple looking at their phone

All You Need to Know About Buy Now, Pay Later

Buy now, pay later lets you split purchases into equal interest-free installments.

excited couple hold a credit card and phone

Best Credit Cards to Build Credit with No Credit

Credit cards are an effective way to improve your credit score fast.

nicely dressed woman with credit card

American Express Business Platinum Card® Review 2025

The benefits, perks, and spending credits offered by the American Express Business Platinum Card® can be worth thousands of dollars.

happy couple holds credit card

What Happens If You Only Pay the Minimum Payment on Your Credit Card?

Why pay more than the minimum due on your credit statement each month? To avoid accumulating new interest.