Person handing paper and pen to another person.

Best installment loans

Loans should be prioritized by their ability to improve human capital, says an ASU finance expert.

In this story published Nov. 21, 2024, on WalletHub:

Any loan that improves one's human capital or helps build one's human capital is good: mortgages, auto loans, student loans. Any loan that is purely consumption-driven (e.g., payday loans, buy-now-pay-later loans, upgrading to the latest car, travel, etc.) is best addressed by saving for it and purchasing in cash or not taking the loan at all. Sometimes getting an installment loan to consolidate and pay off all credit card debt and doing emergency repairs (again best addressed by saving for it in advance) might make sense.

Sreedhar Bharath, Richard C. Kraemer Professor of Finance

Latest news