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Isaac Juarez Phone: 909-784-2467
Isaac Juarez is an experienced writer with degrees in both Political Science and European History from the University of California in Riverside.

As a student, Isaac wrote for the Highlander Newspaper, covering local news stories ranging from basic campus happenings to the men’s basketball team’s budget abuse scandal.

He also had the opportunity to study Medieval Warfare in Scotland for one summer where he visited castles, saw battle grounds, wore armor and enjoyed sampling the finest beer Scotland has to offer.

Coupling his unique experiences as a student with his time as both a congressional campaign intern and an Eagle Scout, Isaac hopes to write articles that will turn the often mundane subject of lending into something very engaging for readers.
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Nissan car front
Nissan sold $1.4 billion of bonds tied to car loans at record low rates in July as part of ongoing efforts by the Federal Reserve to spur economic growth and reduce borrowing costs. According to Citigroup, which managed the transaction, these top-rated securities had an average life of 1.49 years with a 0.481 percent yield. This was the lowest recorded financing rate offered by an auto company in the asset-backed market. Issuing asset-backed securities is a growing trend as investors continue...
Types of collateral under an umbrella
The types of collateral for personal loans—paycheck, auto title, and home equity—are varied and rightly so. Collateral is a valuable asset that can secure a loan for a lender by providing value to them that limits the risk of lending out money. Collateral can be seized by lenders if borrowers default. Humanity has long valued a variety of objects, both abstract and physical. The value of collateral influences the amount that a secured personal loan can be borrowed for. For instance, a borrower...
House and cars
Car loan rates are influenced by fewer factors than mortgage rates are. This is not so much a result of the massive value differences between homes and vehicles, but rather because of outside influences. Mortgages are influenced by federal and economic factors while car loan rates are more removed from the influence of national financial instruments, and instead rely more heavily on individual borrowers themselves. The Not so Many Factors of Car Loan Rates Car loan rates are primarily...
Marine saluting flag
Leaders within the Department of Defense are reviewing the possibility of expanding the legal interpretation of the Military Lending Act. The Act placed a 36 percent interest rate cap on short-term loans made to military personnel and their families. The Act also limited credit that could be offered to military personnel that was not secured by vehicles—unlike car title loans which are backed by vehicle-based collateral. When creating the Act, the Department of Defense limited their...
FBI Symbol
An international criminal group of unsecured personal loans scammers has been charged by federal authorities with operating a loan-fraud scheme. In Buffalo, 33 people were charged with criminal activity, 10 of whom are American and 23 Canadian, according to a Businessweek article. The defendants are charged with conspiracy to commit wire fraud and launder money. The maximum sentence for committing wire fraud is 20 years and a $250,000 fine. The maximum sentencing for conspiring to launder...
Man being squeezed
A mix of desperation, uninformed borrowers, and predatory lenders are to blame for the ongoing trend of rising instant loan opposition. Across the country many states have been spurred to limit or outright ban the lending of instant loans. These states have been pushed towards these measures by various special interest groups that claim to represent the common borrower and consumer. It is common knowledge that America is still struggling through the recession. Now that almost everyone has a...


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