Students new to credit cards must learn about interest rates, balances, credit scores and more. Start here to explore the world of credit cards and learn more about smart credit use.
Business Cards offer business owners a great way to manage employee purchases and finance short term purchases. Learn more about interest rates, grace periods, and more.
Low interest credit cards are credit cards that offer a lower amount of interest than other credit cards on the market. These cards often offer a zero percent interest rate during an introductory period, followed by a standard interest rate after the period's expiration. With this type of card, you will not pay any interest on purchases you make during the introductory period, as long as you pay them off before the period expires. Once the introductory period has expired, your balance will begin accruing interest based on the card's standard rate.Other cards that fall under the low interest category are those that simply offer a lower-than-average interest rate overall. In most cases, these cards are available only to consumers with higher credit scores. However, they can provide significant savings over other types of cards.
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. ThinkWallet.com is not a lender or lending partner and does not make loan or credit decisions. ThinkWallet.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. ThinkWallet.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. ThinkWallet.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, ThinkWallet.com’s service is always free to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where ThinkWallet.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
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Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.
Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78
Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. ThinkWallet.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.