No denial direct same day loans | Direct lenders only

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Key takeaways

There are multiple fast direct loan options from no denial payday loans to cash advances. Carefully consider the cost of the loan and compare options to ensure you get the best deal.
Non-traditional loan alternatives like borrowing from friends and family, credit card cash advances, or securing a co-signer can offer more flexible and potentially less costly solutions.
Responsible borrowing is crucial. Always make sure you have a repayment plan in place so that short-term solutions do not lead to long-term financial strain.

Direct same day loans are a quick and convenient way to get cash when unexpected expenses pop up. They can be a saving grace when you don’t have an emergency fund and would rather not max out your credit card.

Same day loans’ appeal lies in how fast they can be secured – typically within 24 hours. A perfect time frame to get fast cash in an emergency. The concern with these types of personal loans is their cost. A lot of same day loans have high fees and short terms, but not all.

Let’s go over how you can get a fast loan directly deposited into your bank account instantly with only a few fees.

How to get money in minutes?

Go online. Most lenders operate online these days and offer personal loans with easy applications and few requirements. You can find personal loans with direct deposit that send funds to your account in minutes. Many online lenders will send funds within 24 hours or the next business day.

Before you choose a loan, compare offers. This ensures that you get the best deal possible. Online lending platforms let you fill out one application and match you with potential loans from their lending partners. A lot of these lenders offer same day funding and specialize in borrowers with bad credit. This way, you can fill out one application, compare lenders, and still get your cash the same day.

Shop around and compare lenders: You can look for lenders on your own or go to an online lending marketplace and get connected with multiple lenders at once. Not all lenders are created equal, and their offerings vary significantly in terms of interest rates, fees, and terms. Invest time in comparing these loan offers and providers to find the one with a high loan amount and low overall costs. Look beyond traditional banks; online lenders and fintech companies often provide quicker, more flexible financial solutions.

Prequalify and choose your loan: Armed with information, select the loan offer that best suits your needs and prequalify. Prequalifying lets you compare fees, annual percentage rate (APR), monthly payments, and the loan amount you’re likely to be offered. Being prequalified for a loan does not guarantee you’ll get it but it shows you at least meet the criteria. Compare offers to find the one with the lowest cost and best repayment terms for you.

Fill out the application: Apply for the loan you want. Most of the time you can fill out an application online in no time. You’ll typically need to provide personal identification, proof of income, and sometimes proof of employment. If you’re approved for the loan and the terms you’re offered will depend on your credit score, income, debt-to-income ratio, and other factors.

Get your funds: Once your application is approved, the lender will deposit funds into your checking account often within the same day.

Comparing lenders and getting funds deposited into your bank account has never been easier. Decide on the type of personal loan you want – payday loan, installment loan, secured loan – and find the best one you can get. Online marketplaces not only save time but also reduce the stress associated with financial emergencies by simplifying the loan application process and allowing you to get the funds you need fast.

No job and in a financial pinch?

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5 best same day loans

There are plenty of loan options when you need to borrow money fast, even if your credit isn’t good. You can take out a short term loan, go with an installment loan, or look into a cash advance. Choose an option that will give you the money you need quickly.

Anytime you apply for a loan, there’s never a guarantee you’ll be approved, but there are lenders who specialize in bad credit borrowers and have more lenient requirements making it easier to qualify. A lot of these lenders don’t require a credit check and instead are interested in other financial factors such as your employment status or if you rent or own.

Figure out what type of loan you’re interested in borrowing first, then look for direct lenders who offer loans online with same day deposit. This option lets you enjoy immediate access to funds without the wait. It’s perfect when you need fast cash.

Payday loans

Payday loans are the first option that typically comes to mind. These are short term loans for small amounts – usually less than $500 – that must be paid back in full within two weeks. They are notoriously expensive with fees that equate to interest rates of around 400%. Be careful of their cost and choose payday loans from direct lenders only to ensure transparency and avoid hidden fees.

General loan requirements include:

Basic contact information
Government-issued ID
Social Security Number
Proof of income
Residence in the state you apply
Over 18 years old
Have a bank account

Often, there’s no credit check making payday loans easy to qualify for with bad credit. The lack of a credit check though contributes to the high fees because the lender has no way to assess the borrower’s reliability. Lenders charge high fees to hedge their bets in case the borrower defaults. This way the lender does not lose money.

One type of payday loan is a direct deposit loan. The great thing about these is the loan is quickly sent to your checking account usually the same business day. Online loans with same day deposit and no credit check make it easy to secure funds swiftly. You can apply from the comfort of your home and receive funds the same day.

Payday loans online same day deposit’s rapid turnaround is crucial when you’re in urgent need of funds making them a very attractive option. But it is still a payday loan with a short repayment period.

If you can’t repay a payday loan in full by its due date you can usually roll it over or renew it till your next payday for the price of the lending fee. The problem with this is fees add up fast and you can find yourself in a cycle of debt where you’re taking out one loan to pay for another. Be careful that this short term loan solution does not lead to other problems and always have a payment plan in place before you take on debt.

No bank account and need money? No problem!

Check out how you can get a loan without a bank account.

Payday alternative loan

Payday alternative loans (PAL) are considered by many to be the best payday loans you can get online the same day. PALs are small loans ranging from $100 to $1,000 offered by certain federal credit unions as an affordable alternative to traditional payday loans.

Unlike conventional payday loans that come with high interest rates and short repayment periods, payday alternative loans are designed with the borrower’s financial well-being in mind. Interest rates are capped at $28 and application fees cannot be more than $20, even for borrowers with poor credit. Borrowers also typically have one to three months to repay the loan, making loan payments more affordable.

To qualify for a PAL, you generally need to be a member of a credit union that offers them. Membership conditions vary, but you may need to live, work, or attend school in a specific area to become a member. Payday alternative loans provide a more affordable borrowing option compared to traditional payday loans. They are an excellent choice if you need quick access to funds, as long as you qualify.

Installment loans

An installment loan is a type of loan that provides a lump sum of money upfront, which is then repaid over a fixed period in regular installments. Common examples of installment loans include personal loans, auto loans, mortgages, and student loans. Many installment loans come with fast funding and will approve borrowers with bad credit.

One advantage of installment loans is they have a fixed repayment term, meaning you know in advance when the loan will be paid off. The loan is repaid in equal monthly payments over the agreed-upon period, usually months or years. They also tend to come with fixed interest rates based on your credit score, income, and the loan amount.

The loan amount varies, but installment loans are usually larger in size from several hundred dollars to several thousand or more, depending on the type of loan and the lender. This can be beneficial if you have a large expense that cannot be covered by a few hundred offered by payday loans.

It’s important to carefully consider your financial situation and repayment ability before taking out an installment loan. Comparing lenders, interest rates, fees, repayment terms, and monthly payments can help you make an informed decision.

Cash advance

Cash advance apps have emerged in recent years as an easy way to borrow money in minutes. These apps let you borrow a small amount from your next paycheck before you receive it. You then pay them back with your next paycheck. If you need to reschedule your payment, most let you do so with no fees. The qualification process for these apps may vary, but they often require you to have a regular source of income and a linked bank account.

Unlike payday loans, cash advances typically boast low to no fees and no interest, making them an attractive low-cost option for immediate funds. Moreover, most apps do not require a credit check and so are accessible even if you have poor credit.

All you have to do is download the app and connect it to your checking account. Some may require proof of income, but not all. Once approved, you can request an instant advance. Loan amounts vary depending on the app but can go up to $500. The money will be deposited within minutes (or within a few business days). This swift access to funds can be a lifeline for covering unexpected expenses, such as emergency bills or sudden repairs, without waiting for a paycheck or having to deal with interest charges and additional fees.

One word of caution, many of the apps request an optional tip for their services. These tips can add up over time so be careful how you use the app and how much you pay.

Overall, obtaining a cash advance from a direct lender can be a practical option for those in need of quick financial assistance. It’s a reliable way to secure funds directly, without the wait or paperwork associated with other types of personal loans.

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What are some alternatives to same day loans?

If you don’t want to take out a traditional payday loan or find cash advance loans undesirable, there are other lenders that you can consider. A lot of these options require asking for help, but they can offer more flexible terms, lower interest rates, and fewer fees – or no additional costs at all – making them a good solution for financial emergencies.

Family and friends loans

Borrowing money from friends and family is the best alternative option, if it is available to you. Friends and family loans usually come with more flexible repayment terms, no interest, no credit check, and no fees. That said, it’s important to draw up a loan agreement so that everyone is on the same page. If you have any issues repaying the loan, be sure to communicate openly so you can find a solution together and avoid misunderstandings or putting a strain on the relationship. Stick to the repayment terms, be transparent about your financial situation, and this can be the best way to borrow.

Credit cards

Credit cards can be a useful tool to cover unexpected expenses when you don’t have the cash flow. Almost all credit cards offer a grace period of at least 21 days in which you do not accrue interest on your purchases. Pay your credit card bill in full before the grace period ends and you won’t have to pay a dime extra.

Another option is to take out a credit card cash advance where you use your credit card to withdraw cash from an ATM.

Find an ATM within your credit card’s network
Insert your card and enter your PIN
Select ‘cash withdrawal’ or ‘cash advance’
Enter the amount you’d like to withdraw
Review fees and approve the transaction
Collect your cash

Credit card cash advances typically come with higher interest rates than regular purchases, additional fees, and no grace period. As there’s no grace period, you start accruing interest from the moment you take out the cash. Nonetheless, if you’re able to repay the borrowed amount quickly, a credit card cash advance can be more convenient and potentially less costly than a traditional payday loan.

Get cash no matter your credit score!

Check out personal loans for bad credit.

Add a co-signer

If you have difficulty securing a personal loan due to a low credit score or lack of credit history, finding a co-signer can be the solution. A co-signer with good credit can increase your chances of getting approved for a loan with more favorable terms than you might receive on your own. Most lenders allow co-signers because they are held responsible for the loan if you default, making it less risky for the lender.

Ask for an extension

If you’ve recently become unemployed or are facing a personal crisis and cannot pay your bills, reach out to your creditors and explain the situation. Many creditors are willing to work with you to find a solution, especially if you’ve been a reliable customer in the past. They may be able to extend your payment deadline, set up a payment plan, or waive fees.

The best approach is to be polite, honest, and communicate your situation proactively. Getting an extension can alleviate the need for a same day loan, help you avoid additional debt and potentially high interest rates, and give you a little breathing room to get back on your feet.

Looking for fast cash?

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Bottom line

There a multiple avenues for obtaining same day loans when you need quick funds. Payday loans, payday alternative loans, and cash advances are the most popular way to get money fast but plenty of online lenders offer same day funding and send money directly to you instantly.

Whatever option you choose, be sure to consider the total cost of the loan and make sure you are able to pay it back on time. Review all terms and conditions before you sign and be sure you can make the monthly payments. Fast cash in an emergency can be a tempting solution but make sure it doesn’t land you in a cycle of debt.

When you’re looking for a loan, check out MoneyFor. We can give you advice on the best loans to take, how to avoid debt, and earn more money.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

7. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

8. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

9. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

10. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

11. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

12. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

13. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

14. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

16. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

17. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

21. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

22. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

23. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

24. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

25. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

26. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

27. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

28. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

29. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

30. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

31. Tipping or not tipping has no impact on your eligibility for SpotMe®.

32. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

33. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

34. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

35. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

36. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

37. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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