Credit Karma Credit Karma
Menu
  • Credit Cards
    • Best Credit Cards of 2020
    • Best Balance Transfer Cards
    • Best Reward Cards
    • Best Travel Cards
    • Best Cash Back Cards
    • Best 0% APR Cards
    • Best Business Cards
    • Best Cards for Bad Credit
    • Best Cards for Fair Credit
    • Best Secured Cards
    • Search Credit Cards
  • Loans
    • Personal Loans
    • Home Loans
    • Auto Loans
  • Auto
    • Refinance My Loan
    • Get a New Loan
    • Auto Insurance
  • Home
    • Buy a House
    • Refinance my Loan
    • Home Insurance
    • Real Estate Agents
  • Resources
    • Identity Monitoring
    • Unclaimed Money
    • Reviews
    • Articles
    • Tools
    • Mobile App
    • Blog
    • How it works
  • Tax
  • Savings
  • Login
  • Sign up for free
Lance Cothern, Credit Karma contributing writer

Lance Cothern, CPA

LinkedIn
Lance Cothern is a freelance writer specializing in personal finance. His work has appeared on Business Insider, USA Today.com and his website, MoneyManifesto.com. Lance holds a Bachelor of Business Administration in accounting from James Madison University. He also holds a Certified Public Accountant license in the state of Indiana. When he isn’t writing, you can usually find him spending time with his family at the local beach. 

The best retail store credit cards
Young man at home on cellphone, contacting a credit bureau to get a copy of his credit report Image: Young man at home on cellphone, contacting a credit bureau to get a copy of his credit report

How to contact each major credit bureau
Young woman in a blue shirt looking at laptop to learn about residual interest on credit cards Image: Young woman in a blue shirt looking at laptop to learn about residual interest on credit cards

How to avoid residual interest
Young woman in a cafe wondering which type of savings account to open Image: Young woman in a cafe wondering which type of savings account to open

Different types of savings accounts: Which is best for...
Woman leaning out of the sun roof of her car, thoughtfully looking into the distance Image: Woman leaning out of the sun roof of her car, thoughtfully looking into the distance

Auto insurance scores: What you need to know
Young couple at car dealership looking at new car together Image: Young couple at car dealership looking at new car together

What is a balloon payment on a car lease,...
Woman charging electric car with open trunk while standing outside house Image: Woman charging electric car with open trunk while standing outside house

Electric car lease: What you need to know
Young woman outside holding a cup of coffee Image: Young woman outside holding a cup of coffee

Mission Lane Classic Visa® Credit Card review: A chance...
Male student in a university library working on laptop. Image: Male student in a university library working on laptop.

Merrick Bank Secured Visa® card review
Man and woman working on a digital tablet together in an office Image: Man and woman working on a digital tablet together in an office

American Express® Business Gold Card review: For big-spending businesses
Young woman sitting in the window of a busy cafe, using her laptop Image: Young woman sitting in the window of a busy cafe, using her laptop

When was the credit card invented?
Monster Energy NASCAR Cup Series Sean Gardner/Getty Images Sport/Getty Images Image: Monster Energy NASCAR Cup Series

NASCAR® Credit Card from Credit One Bank® review: Does...
Young man sitting on couch and holding credit card to learn about a finance charge Image: Young man sitting on couch and holding credit card to learn about a finance charge

What are finance charges and why do they matter?
Man standing outside, holding his smart phone and smiling Image: Man standing outside, holding his smart phone and smiling

How can I get out of a lease early?
Woman looking at a tablet with her young daughter, smiling Image: Woman looking at a tablet with her young daughter, smiling

What is a credit card network and how do...
Man smiling at a car dealership, somebody is handing over car keys to him Image: Man smiling at a car dealership, somebody is handing over car keys to him

Open- vs. closed-end leases: What you should know
Young man at car dealership looking to lease a car with bad credit Image: Young man at car dealership looking to lease a car with bad credit

Leasing with bad credit: What to know about ‘lease-here,...
Woman signing paperwork at a car dealership Image: Woman signing paperwork at a car dealership

Should I buy out my car lease?
Students using laptop together outdoors Image: Students using laptop together outdoors

Bank of America student credit cards: Which one is...
Woman sitting in the driver's seat of her car, shaking hands with a man standing outside of the car Image: Woman sitting in the driver's seat of her car, shaking hands with a man standing outside of the car

How a lease swap works
Woman sitting in the driver's seat of her car, looking out the window and thinking Image: Woman sitting in the driver's seat of her car, looking out the window and thinking

Lease takeovers: 5 things to know before you take...
Young man leasing a used car and changing the radio station Image: Young man leasing a used car and changing the radio station

5 things to know about used-car leasing
Couple looking at new car brochure and thinking about how to negotiate a car lease Image: Couple looking at new car brochure and thinking about how to negotiate a car lease

How to negotiate a car lease
Man and a woman working together at their kitchen counter Image: Man and a woman working together at their kitchen counter

Lease buyout: What you need to know
Young couple going over their finances together at home Image: Young couple going over their finances together at home

Credit CARD Act: Credit Card Accountability Responsibility and Disclosure...
Two women standing outside a store window and looking at the mannequins Image: Two women standing outside a store window and looking at the mannequins

Nordstrom credit card review: Your ticket to anniversary sale...
Woman looking under the hood of her car Image: Woman looking under the hood of her car

Should I sell my car for parts?
credit-card-pin Image: credit-card-pin

What’s a credit card PIN and how do I...
Mechanic fixing car engine in auto repair shop Image: Mechanic fixing car engine in auto repair shop

Salvage title cars: Should you buy one?
Family baking cookies together in the kitchen Image: Family baking cookies together in the kitchen

Discover personal loan review: Direct payments for debt consolidation
Man sitting in cafe and working on his laptop Image: Man sitting in cafe and working on his laptop

Should I trade in my car or sell it?
Father shopping for a dress with his young daughter Image: Father shopping for a dress with his young daughter

HSBC Cash Rewards Mastercard® credit card review: A simple...
Couple signing the documents to buy a new car at a dealership Image: Couple signing the documents to buy a new car at a dealership

What are in-house financing dealerships?
wells-fargo-platinum-visa Image: wells-fargo-platinum-visa

Wells Fargo Platinum Card review: A decent balance transfer...
Young man standing on the street holding coffee cup Image: Young man standing on the street holding coffee cup

SunTrust Secured Card with Cash Rewards review
Couple buying a car from salesman. Image: Couple buying a car from salesman.

How to negotiate your car price
Page 1 Page 2 Page 3
  • facebook social Icon Facebook
  • twitter social Icon Twitter
  • instagram social Icon Instagram
  • Company Info
    • About Credit Karma
    • Careers
    • Engineering Blog
    • Help Center
    • In The News
    • Security Practices
    • Privacy Policy
    • Terms of Service
  • Popular Offers
    • Best Credit Cards
    • Credit Cards for Limited Credit
    • Credit Cards for Poor Credit
    • Credit Cards for Good Credit
    • Personal Loans
    • Auto Insurance
  • Credit Resources
    • Credit and Finance Articles
    • Credit Card Reviews
    • Financial Calculators
    • Credit Karma Blog
  • Notable Links
    • Free Credit Report
    • Free Credit Score
    • Free Credit Monitoring
    • Credit Scores
    • Credit History
    • What is a Good Credit Score?
    • Quick Tips for Your Credit Health
© 2007–2020 Credit Karma, Inc. Credit Karma® is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Licenses | NMLS Consumer Access
Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access
California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868.
Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).
Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android is a trademark of Google Inc.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.
Credit Karma is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines.
 
Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on Credit Karma of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. CREDIT KARMA OFFERS, INC. 760 Market St. Fl. 2 San Francisco, CA 94102 Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access