Consumer Corner
Things to Look for When Considering an Auto Secured Loan
Many Americans continue to feel pressure from rising everyday expenses. Some are turning to credit cards and other expensive options like unsecured loans to cover surprise bills, manage a temporary gap in cash flow or even pay for basics like groceries and gas. For these people, an auto secured loan may offer another option for borrowers who own a vehicle and are looking for a more affordable way to access funds.
(Feature Impact) Many Americans continue to feel pressure from rising everyday expenses. Some are turning to credit cards and other expensive options like unsecured loans to cover surprise bills, manage a temporary gap in cash flow or even pay for basics like groceries and gas.
For these people, an auto secured loan may offer another option for borrowers who own a vehicle and are looking for a more affordable way to access funds.
Unlike an unsecured personal loan, an auto secured loan uses a vehicle as collateral. This can help borrowers qualify for higher loan amounts at better interest rates and with more flexible repayment terms.
Not all loans are created equal, however. If you’re considering an auto secured loan, here are six features that responsible lender Oportun suggests borrowers prioritize when evaluating their options.
1. Transparent, Easy-to-Understand Terms
A responsible lender will clearly explain the loan’s annual percentage rate (APR), monthly payment amount, repayment schedule, fees and total cost over time.
Borrowers should also understand what happens if a payment is missed and what options may be available if financial circumstances change. Clear information helps consumers make confident, informed decisions.
2. Affordable and Predictable Payments
The best loan is one that fits comfortably within your budget. Look for fixed monthly payments, reasonable repayment terms and the ability to pay off the loan early without penalties. Be cautious of products that rely on repeated refinancing or loan rollovers that can increase costs over time.
3. Lower-Cost Alternatives to Payday
When unexpected expenses arise, some consumers turn to high-cost forms of credit, such as payday loans, because they are often marketed as fast and easy to secure.
A responsible auto secured loan may offer a more affordable alternative with lower rates and repayment terms designed to help borrowers successfully repay what they borrow rather than become trapped in a cycle of debt. Be sure to shop rates across loan types and lenders.
4. Flexibility and Strong Customer Support
Life doesn’t always go according to plan. Borrowers should look for lenders that offer convenient account management tools, flexible payment options and access to knowledgeable customer support representatives. The ability to get help when it’s needed can make a meaningful difference over the life of your loan.
5. Credit Building Opportunities
A loan can do more than just solve an immediate financial need. Many responsible lenders report payment activity to the major credit bureaus, allowing borrowers to build or strengthen their credit history through consistent, on-time payments. Over time, a stronger credit profile can open the door to additional financial opportunities.
6. Responsible Collateral Practices
Before taking out an auto secured loan, it’s important to understand how a lender approaches collateral. Responsible lenders use a vehicle to help expand access to credit. They do not offer credit as a shortcut to taking ownership of your vehicle. Look for lenders that offer hardship assistance and work with borrowers facing financial setbacks before pursuing collection actions. Repossession should always be a last resort.
Choosing the Right Lending Partner
If you’re considering an auto secured loan, make sure the lender you choose supports these six practices. Responsible lenders design their products to help people both access funds for short-term needs and improve their long-term financial health.
For example, Oportun offers clearly priced auto secured personal loans designed to help members access affordable credit and repay them on time so they can build a stronger financial future. Since its founding, the lender has provided more than $22 billion in responsible and affordable credit, helped more than 1.3 million people establish a credit history and saved its members more than $2.5 billion in interest and fees.
By focusing on lenders that prioritize transparency, affordability, flexibility and successful repayment outcomes, borrowers can find an auto secured loan that meets their current and future financial needs. Discover more information by visiting Oportun.com.
Photos courtesy of Shutterstock
SOURCE:
Oportun
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home improvement
Easy Furniture Upcycling Projects You Can Do in a Weekend
Easy Furniture Upcycling Projects: Giving secondhand furniture a new life is a creative, satisfying and budget-friendly way to add personality to your home. Next time you’re in the mood to spend time working with your hands, try these simple DIY furniture upcycling ideas.
Easy Furniture Upcycling Projects You Can Do in a Weekend
(Feature Impact) Giving secondhand furniture a new life is a creative, satisfying and budget-friendly way to add personality to your home. Upcycling doesn’t have to be complicated or expensive – all it takes is a little imagination, some basic supplies and a free weekend.
Next time you’re in the mood to spend time working with your hands, try these simple DIY furniture upcycling ideas.
Give a Worn Dresser a Fresh Look
Dressers have a way of accumulating scuffs and scratches over time, but it doesn’t take much to refresh their look. Clean the surfaces, sand away any rough spots then apply a fresh coat of furniture paint. To turn it into a stylish statement piece, choose a classy, on-trend color like sage green, deep navy or a warm neutral and replace the drawer pulls with modern hardware to match.
Transform an Old Coffee Table
The coffee table is a natural centerpiece of your living room, so give it an update that fits your preferred aesthetic. Sand it smooth, choose a new wood stain for a more natural look or paint it to match or create contrast with your walls and seating. Adding a protective clear coat can help the surface withstand everyday use and look new for longer.
Turn Wooden Chairs into Stylish Accent Pieces
If you have a collection of mismatched or worn-out wooden chairs around the house, try your hand at refurbishing instead of replacing them. Give them a good wash, repair any broken rungs, update the seats with fresh fabric or new cushions or unleash your inner artist by giving the chairs fun new designs with paint or peel-and-stick contact paper. If they aren’t a good fit for your main dining area, use the chairs as porch decorations or extra seating during parties.
Repurpose an Old Bookshelf
Bookshelves don’t just have to be for books. Give it a fresh design using paint or decorative wallpaper then transform it into a display cabinet, pantry organizer, entryway cubby for shoes and school supplies or whatever else your imagination sparks. Stave off clutter by adding visually appealing bins or baskets to help the shelves stay clean and organized.
Create a Unique Side Table
You can turn a variety of old furniture into side tables, from nightstands and end tables to stools and chairs with the backs removed. Consider adding decorative trim, stenciled designs, patterned tabletops or vibrant paint colors then give the finished table a new life as a plant display, bedside stand or porch accent piece.
Discover more home, lifestyle and crafting ideas at eLivingtoday.com.
Photo courtesy of Shutterstock
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Automotive
2027 Toyota Tundra Adds Trailhunter Package and Updated Technology
The 2027 Toyota Tundra adds a Trailhunter package, refreshed styling and a standard 14-inch touchscreen. Starting MSRP is $42,890.
Last Updated on November 7, 2026 by Daily News Staff
PLANO, Texas — Toyota is updating the 2027 Tundra with refreshed exterior styling, a new Trailhunter package and additional technology for its full-size pickup lineup.
2027 Toyota Tundra: Trailhunter Package and Tech Updates
Based on the SR5 grade, the Trailhunter package adds Old Man Emu suspension, Michelin all-terrain tires, front recovery hooks and extra underbody protection. A locking rear differential, Multi-Terrain Select and Crawl Control help drivers navigate challenging terrain, while bronze-colored wheels distinguish the package.
The TRD Pro receives newly designed, adjustable FOX Q3S shocks, standard red tow hooks and a new Honeycomb paint option.
Inside, a 14-inch multimedia touchscreen becomes standard. Toyota also adds a built-in drive recorder and makes Toyota Safety Sense 4.0 standard across the lineup. Gas and i-FORCE MAX hybrid powertrains remain available.
Toyota lists the 2027 Tundra with a starting MSRP of $42,890. Buyers should check destination charges, options and dealer pricing when comparing total costs.
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holidays
5 Holiday Shopping Tips to Save Money and Reduce Stress
Holiday Shopping Tips: As the holiday season approaches, savvy gift-givers are already strategizing. Instead of scrambling to shop at the last minute and settling for whatever you can find, you can hunt strategically for gifts to make your loved ones smile. Consider these tips to score better bargains and less stress this season.
5 Holiday Shopping Tips to Save Money and Reduce Stress
(Feature Impact) As the holiday season approaches, savvy gift-givers are already strategizing. Instead of scrambling to shop at the last minute and settling for whatever you can find, you can hunt strategically for gifts to make your loved ones smile.
According to a survey conducted by TopCashback, today’s shoppers care more about getting the right gift than saving time or money. In fact, when choosing a holiday shopping superpower, 32% of respondents said they would choose knowing exactly what everyone wants, followed by always finding the perfect gift (30%), finding the best deal instantly (18%), getting unlimited free shipping (15%) and never waiting in checkout lines (6%).
Consider these tips to score better bargains and less stress this season.
Make a List
Among the worst parts of holiday gifting, U.S. adults most frequently cited forgetting to buy someone a gift (31%), followed by having someone dislike the gift they gave (26%). While you don’t have to figure out exactly what gifts to buy before you start shopping, it can be helpful to start with a list of the people you want to shop for. Write down family members, friends, coworkers, neighbors and anyone else you’d like to include then check their names off as you go.
Set a Budget
Overspending during the holidays can put your finances in a tough spot for the new year, but you can avoid this pitfall by sticking to a realistic budget. Set spending limits, resist unnecessary impulse purchases and focus more on finding meaningful gifts than expensive ones. By shopping smart and planning ahead, you can make the most of each dollar of your gift budget.
Make the Most of Holiday Deals
U.S. adults most frequently describe their holiday gift-giving persona as “The Bargain Hunter,” with 30% agreeing they’ll stop at nothing to find the best deal. Women tend to drive a tougher bargain: 30% said the minimum discount they consider a “good” holiday shopping deal is up to 50% off, compared to 19% of men who said the same.
If saving money is a priority, consider combining tactics like shopping on sale days, using coupons and signing up for cash-back platforms like TopCashback, a free-to-join rebates website offering market-leading cash back rates that can be even higher during prime shopping seasons. You can earn cash back on more than 7,000 top brands and redeem your earnings for cash or gift cards to stack the savings – all without paying a membership fee.
Shop Early
Starting your shopping early gives you extra time to discover deals and find gifts you know your recipients will love. In addition to saving you money, this approach can save you from the pressure and rush of last-second panic buying. Younger shoppers are already adopting this mindset, with 37% of Gen Z respondents describing their holiday gift-giving persona as “The Prepper” – meaning they plan and prepare to always find and give the perfect gifts.
Treat Yourself
Holiday shopping season is also self-gifting season, with 77% of surveyed adults reporting they always, often or sometimes purchase items for themselves while holiday shopping. Whether you’re taking advantage of a buy-one-get-one deal or see something from your own wish list on sale, it can be an opportunity to give yourself a little extra holiday joy.
Learn more about making the most of holiday deals at TopCashback.com.
Photo courtesy of Shutterstock
SOURCE:
TopCashback
