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2. The pros and cons of personal loans - AOL

   www.aol.com/finance/pros-cons-personal-loans...

   A personal loan with a single, fixed-rate monthly payment is easier to manage than several credit cards with different interest rates, payment due dates and other variables. Borrowers who qualify ...

3. 7 Myths About Debt That Gen Z Must Stop Believing - AOL

   www.aol.com/7-myths-debt-gen-z-160036710.html

   You Don’t Need To Pay Student Loans During School. ... “There’s no credit check to qualify, no interest or late fees, and you earn cash back on your purchases. Plus, your on-time payments ...

4. 7 best cashback apps to stretch your dollar — and earn ...

   www.aol.com/finance/best-cash-back-apps...

   Cash back. These apps provide online shoppers with automatic rewards or coupons at checkout. Examples include Rakuten, Ibotta, Honey and Capital One Shopping. Receipt-scanning apps.

5. Credit card - Wikipedia

   en.wikipedia.org/wiki/Credit_card

   A Japanese law enabling credit card cash back came into force in 2010. However, a legal loophole in this system was quickly exploited by online shops dedicated to providing cash back as a form of easy loan with exorbitant rates.

6. Merchant cash advance - Wikipedia

   en.wikipedia.org/wiki/Merchant_cash_advance

   Merchant cash advances are most often used by retail businesses that do not qualify for regular bank loans and are generally more expensive than bank loans. Competition and innovation led to downward pressure on rates and terms are now more closely correlated with an applicant's FICO score.

7. Cash out refinancing - Wikipedia

   en.wikipedia.org/wiki/Cash_out_refinancing

   Cash out refinancing (in the case of real property) occurs when a loan is taken out on property already owned in an amount above the cost of transaction, payoff of existing liens, and related expenses.