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Loans for Bad Credit: What to Know in 2025

Urgent loans offer easy approval, but they often come with higher interest rates and short repayment windows.

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Updated July 31, 2025 Advertising disclosure
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Edited by John Howard
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Written by Rachel Alulis
Editorial note: Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • Urgent loans offer fast access to cash but often carry high interest rates and short repayment terms.
  • Lenders that provide flexible credit evaluation loans focus more on your income and employment than your credit history.
  • Safer alternatives, such as employer advances or borrowing from friends, may help you avoid costly debt traps.

When you have a limited credit history or less than ideal credit, you may be tempted to apply for urgent no-credit-check loans. Most lenders that don’t conduct a hard inquiry have lenient requirements and send money the same day. The problem is that no-credit-check loans tend to be riskier. Before you go this route, compare all of your options to find an affordable loan.

Here are some loans to consider when you have a poor credit score and need funds urgently.

Jump to:

What is an loan for urgent expenses?

An loan for urgent expenses is any personal loan that is approved and funded within a few business days. They are typically unsecured, meaning you don’t need to provide collateral like a house or car. Some lenders require a lump sum payment, while others accept monthly installments.

Most lenders that provide focus on your income and ability to repay rather than credit score. While they will approve you, their loans typically come with higher interest rates and fees.

How loan for urgent expensess for less than ideal credit can help in emergencies

Urgent same-day loans for less than ideal credit can help you cover unexpected expenses or immediate financial needs. You can use the money for rent, to cover medical bills, or to .

They are helpful in emergencies when the consequences of not paying are severe, such as eviction. Do not use them for unnecessary expenses, such as a vacation or a wedding. They are much too expensive for that.

advice

Payday days away?

Top loan for urgent expenses options that don’t require a credit check

When time is tight and your credit score is low, finding can offer a quick financial lifeline. Below are some of the most accessible loans that often bypass traditional credit checks.

Payday loans

Payday loans are short-term loans typically due by your next paycheck. They have speedy approval times, with some lenders now offering .

Be cautious – while are convenient, they often come with high fees and short repayment terms. The annual percentage rate on these loans usually exceeds 400%. Most borrowers cannot afford to repay the funds plus fees within such a short window and must roll over the loan. Treat short-term loan due on your next paydays as a last resort, as there is a high chance you’ll end up in a cycle of debt.

Installment loans for less than ideal credit

Many online lenders and credit unions provide installment loans to borrowers with less than ideal credit. You may be eligible to receive up to $50,000, possibly without a credit check. You repay the money in equal monthly payments over several months to a few years.

While installment loans are generally more affordable, they can still be costly. Lenders charge higher interest rates when they do not run a credit check. The higher charges compensate for the risk of lending without considering your score.

Title loans

use your vehicle as collateral in exchange for cash. You hand over your title, and the lender will give you a percentage of your car’s value. If you own your car outright, you may be eligible regardless of your credit history.

These loans are quick and can give you a few hundred to a few thousand dollars. However, be cautious: if you are unable to repay, you may lose your vehicle.

Temporary balance boost apps

let you borrow a small amount against your next paycheck. There’s flexible credit evaluation, no interest charges apply charges, and minimal fees. Some even offer instant transfers for a small fee.

While they cost less than short-term loan due on your next paydays, earned wage access apps are not free. Depending on the service, you might need to pay a subscription fee, a flat fee, or an optional tip. Be careful how much you spend, as the costs can be equivalent to a triple-digit APR.

Emergency loans from online lenders

Many online lenders specialize in loans for individuals with less than ideal credit, offering near-application reviewed promptly and funding in a timely manner. They consider alternative approval criteria, such as income and bank activity, rather than credit scores. The application process is quick, entirely online, and the lender often deposits funds within 24 hours.

Before you take out an , have a payment plan in place. Many of these loans are expensive and have short repayment windows.

Where to apply for loan for urgent expensess for less than ideal credit?

You can get from online lenders, credit unions, and peer-to-peer lending sites.

Online direct lenders

Online direct lenders often provide urgent cash loans with lenient requirements. Many look beyond your score and assess your income, employment status, and banking history. They will charge higher APRs and add extra fees to loans for borrowers with less than ideal credit.

Credit unions

Credit unions are nonprofit, member-owned financial institutions that offer personal loans with low interest rates. While some may still check your credit, they are more understanding of less than ideal credit histories. Many credit unions are more interested in your banking history and income.

Federal credit unions limit interest rates on personal loans to 18% APR. Some also offer payday alternative loans specifically to borrowers with poor credit.

Peer-to-peer lending platforms

Peer-to-peer (P2P) platforms connect borrowers with individual investors who fund loan requests. These investors often have more lenient requirements than national banks. You may have an easier time securing a loan with a P2P investor. Watch out for higher interest rates and make sure the loan is affordable.

advice

Facing a true emergency and wondering:

What to watch out for when applying

When you are looking for a loan, even if you need the money urgently, ensure that it is affordable. Here’s what you need to check, along with some key red flags to avoid.

Scams and predatory lenders

Scammers often target borrowers with less than ideal credit by posing as legitimate lenders. Do not work with a lender that:

  • Requires upfront payment
  • Requests unusual payment methods (gift cards)
  • Does not clearly disclose fees
  • Guarantees approval without verifying your income
  • Dodges questions about licensing
  • Pressures you to act quickly
  • Does not have a physical address

Always check reviews, confirm state licensing, and never share personal information over unsecure websites.

Predatory lenders may be legitimate but engage in harmful lending practices. They impose high interest rates, hidden fees, and short terms. Many rely on borrowers rolling over the loan for extra fees. Be cautious of APRs over 36%, prepayment penalties, balloon payments, and excessive origination fees. These fees can significantly increase the cost of borrowing.

Loan terms and fees

Urgent loans can come with extremely high interest rates, hidden fees, and short loan terms. Check that the repayment term is sufficiently long to allow you to repay the money in full.

Read the terms and conditions to understand the total cost of borrowing. Consider not just the APR, but also any processing fees, late penalties, prepayment charges, and origination fees. Some market easy approvals, but the repayment costs can be overwhelming if you’re not careful.

Know your repayment plan

Before you borrow, have a plan to repay the money. Some loans require repayment in full within weeks, while others allow installment payments. If you can’t realistically repay on time, you risk falling into a cycle of debt. Choose a loan with a repayment plan that aligns with your budget, not just your urgency.

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Alternatives to loan for urgent expensess

If you’re saying, “,” know that you have other options.

Borrowing from friends and family

Ask a trusted friend or family member for a small loan. Many people will lend to loved ones without fees or high interest rates. While it may feel uncomfortable, this option can help you avoid predatory lenders and keep your finances on track. Be clear about repayment terms and expectations to avoid misunderstandings.

Credit card temporary balance boosts

If you have a credit card, you may be able to withdraw funds from the ATM through a credit card temporary balance boost. Knowing how to get cash from a credit card can be helpful, but costly. Most issuers charge an advance fee of 3% to 5% of the amount withdrawn or a flat fee of $10. You will also have to pay a higher interest rate that applies immediately.

Employer-based advance options

Some employers offer paycheck advances or partner with financial wellness apps that let employees access part of their earned wages early. These services are often less expensive than loans and don’t require credit checks.

Frequently asked questions

1. Which loan can lend me money instantly?

Payday loans, earned wage access apps, and credit card temporary balance boosts all lend you money instantly. Online lenders who specialize in emergency loans typically process applications quickly. You can often receive same-day or next-day funding, especially if you apply early and meet basic requirements.

2. Is there any realistic way to get a $1,000 loan fast with less than ideal credit?

Some online lenders, credit unions, and peer-to-peer platforms offer $1,000 loans to individuals with poor credit. While options may be limited, lenders may approve you based on your income or employment rather than your credit score.

3. What are the best lenders offering loan for urgent expensess with flexible credit evaluation?

The best lenders offering loan for urgent expensess with flexible credit evaluation or lenient requirements include Upstart, OneMain Financial, OppLoans, and Possible. Temporary balance boost apps, such as EarnIn, Current, and , are also options.

4. Do loan for urgent expensess with flexible credit evaluation have high interest rates?

Most loan for urgent expensess with flexible credit evaluation come with high interest rates and additional fees. Lenders consider these loans high-risk and often charge triple-digit APRs.

5. Can unemployed people qualify for loan for urgent expensess?

Unemployed individuals can qualify for loan for urgent expensess, but it will be harder. Lenders are primarily concerned that the borrower will be able to repay the loan.

Being able to list alternative sources of income, such as unemployment benefits, Social Security, disability benefits, alimony, child support, or income from freelance work, will make a big difference. A good credit score and low debt-to-income ratio are also critical. Other options include adding a co-signer or securing the loan with collateral.

Bottom line

Urgent no-credit-check loans provide funds when you need them most, but come at a high cost. Lenders often add hidden fees and charge triple-digit APRs, making repayment challenging. Before taking out an expensive loan, make sure you can afford to repay it. An loan for urgent expenses will not do much good if it traps you in a cycle of debt.

A better option is to apply for an installment loan from lenders with lenient requirements. Many credit unions and online lenders offer loans to borrowers with less than ideal credit. While they check your score, they have lower minimum credit score requirements, making approval easier.

No matter your credit score, you can find a way to borrow.

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. Paycheck Advance is an earned wage access service and is not a loan or credit product.
3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.
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. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.                                                                                                                                                       Build Card: 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.
6. 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.
7. 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.
8. 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.
9. 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.
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11. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) 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. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.
12. 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.
13. 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. No minimum balance required. 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%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
14. 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.
15. 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.
16. 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.
17. 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.
18. 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.
19. 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.
20. 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.
21. 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.
22. 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.
23. 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.
24. 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.
25. 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.
26. 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.
27. 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.
28. 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.
29. 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.
30. 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.
31. 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.
32. 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.
33. 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.
34. Tipping or not tipping has no impact on your eligibility for SpotMe®.
35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
37. 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.
38. 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.
39. 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.
40. 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.
41. MyPay is only offered in select states
42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.
43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com).                              Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms.                              Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.
* EarnIn is not available for Connecticut residents
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About the author

Author Rachel Alulis 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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