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We are committed to helping you achieve your financial goals and dreams. Our loan services are designed to provide you with the support and resources you need to take control of your finances and embark on a path towards prosperity.Our experienced team of financial experts is dedicated to understanding your unique needs and finding the best loan solutions that align with your goals. Whether you're looking to fund a new business venture, consolidate debt, purchase a new home, or cover unexpected expenses, we've got you covered.
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- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 3
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- Take Maximum $1,000,000.00 USD
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- Installment Interval 30 Days
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Find answers to our community’s questions below
BellTrust Loans and Finance makes it easy to apply for a loan and estimated monthly payments without affecting your credit score.
If you’re eligible for a loan, you’ll review your offers and choose loan terms that work best for you. Once you accept an offer, you’ll receive your money as soon as 1 business day after completing the necessary requirements
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Applying with a co-applicant could improve your chances of getting an offer. Plus, it might lower your rate. Your co-applicant should be someone you trust with strong credit and a steady job. Our partner WebBank issues personal loans based on creditworthiness. Borrowers who accept a loan through BellTrust Loans and Finance must have a credit score of 640 or higher to qualify for a loan.
Business expenses are defined by the IRS as costs associated with forming or running a business. The interest that is associated with the loan taken out to form or run your business may be deductible, regardless of the size of your business.
Qualified educational expenses can be tax deductible if you use a loan to refinance a student loan or pay for eligible educational costs or expenses like tuition. Under these circumstances the loan may be eligible for the loan interest deduction.
The best way to know if you are eligible to receive a loan through BellTrust Loans and Finance is to apply. Checking your eligibility and rate will not affect your credit score.
If you are not eligible to receive a loan through BellTrust Loans and Finance on your own, you could consider adding a co-applicant. Adding a co-applicant could improve your chances of having your loan application approved.
Blog Post
Our Latest Blog
03
Aug
Teach Your Child To Save
Teach Your Child How To SaveThe proverb goes “give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime.” The same can be said for children and money.When children learn how to value and respect money at a young age, they tend to make better financial decisions in the long run. Giving your children a hands-on approach to saving and spending can lead to a lifetime of financial respect. Here are some tips for teaching your children to save.Be The Role ModelTeaching and encouraging your children to save money is one thing. However, actions speak louder than words, and showing your children that you save too, it will speak volumes. Those little eyes are watching you and setting a good example will help hammer home the importance of saving. Show them when you transfer money into savings, pay for items in cash and explain why, etc.Also, avoid showing your children bad money behaviors. For instance, do not get involved with impulse buys. Especially at the request of your children. Hold back to show them that money requires thoughtfulness.Begin With GoalsA key to teaching your children how to save money is to differentiate between short-term and long-term savings. Show them how to save for a cheap toy versus saving up for a big piece of technology. The best part is that many banks have apps that can help visualize the savings account on a daily basis. Let your children explore the app and how it works.Spend and Sell: Creating a game where your children buy and sell items is a great, “real-world” scenario game to play. You can play restaurant or farmer’s market. Have your kids even make or bake real food. Then give them pretend money and real situations for them to explore. This is a great way for them to be comfortable with transactions, counting, and giving and receiving change.Board games: Playing board games like Monopoly is another great strategy to teach kids the value of money. These games are a great visual representation of money and it can be very fun and competitive for the whole family.Movie night: Bring the movies to your home by hosting a movie night, complete with concession. For this game, have your children create a menu that includes prices. It is a great opportunity to understand pricing and profit. You can get really involved by adding in signs, decorations, and having the kids make the food for the stand.Hide and seek coins: Put your children on a treasure hunt and hide coins around your home. This will help release some energy and get your children excited for money. You can have your children compete to grab the most coins. In the end, have each player add up their winnings and crown a winner.Call It Commission, Not AllowanceHave your children work for money, instead of being paid to breathe. Also, call it a commission instead of an allowance. Give each child a task list to complete with a price tag for each item. You can even add in extra credit for extra cash.Explore More ResourcesAdditionally, there are resources to help your children with financial situations. These include:Council for Economic Education (CEE) – A nationwide network that promotes economic literacy, CEE has resources for your children. They help with critical thinking as it relates to consumers, savings, investing, and the workforce.Jump$tart Coalition for Personal Financial Literacy – This national company has the dedication to help kindergarteners through college-age youth with financial literacy.MoneySKILL – This is a free resource with interactive options of reality-based online learning with a focus on financial decision-making.Final ThoughtsThere are tons of ways to show your children how to save money and respect a savings account. There are simple games, budgeting apps, and many goals you can create for your children. By investing time in money-related activities now, you can create good habits for your children’s future with regard to saving.
29
Jul
Personal Finance Tips
Personal Finance TipsPersonal finance is a tricky game of keeping debts low, while still having the amenities in life that make us happy. If money woes keep you up at night, it is likely that you need these personal finance tips that will change the way you think about money. You want to sleep better at night, right? Then, check these out!Pick a budget for YOU:Don’t choose a budget just because it worked for your best friend, your mom, or your cousin. Pick something that works for YOU and your personal finance goals. There’s plenty of budgeting tips, tricks, and apps that can keep you on target. Just choose something that sounds like you can maintain it for the long haul.Get detailed in your goals:Do you want to travel more? Get out of student loan debt? Upgrade to a newer car? You need goals and to have them detailed. If your goal is to just have some money in savings, it is likely to never be achieved because it is very vague. Choose your goals and be detailed about the timeline, process and ultimate outcome.Automate the process:Did you know that you automatically send money from your paycheck into a savings account? Most banks offer this service and automation can really take the pressure off. Ask your bank for this information.Get real with your balance:Take just one minute each day to check your bank account. This is not meant to depress or excite you, but to be on top of your transactions. You can easily find discrepancies, should they arise.Budget for your lifestyle:Believe it or not, you can dedicate a whopping 30% of your budget to your lifestyle. This can include things like entertainment, dining out or some other experiential activity that defines your lifestyle. Save and splurge all at the same time.Add exercise to your budget:Working up a literal sweat leads you to be more productive in your day. Make a healthy habit for your body and it can turn into healthy financial habits too.Think happy thoughts:Positive thinking and mantras are a healthy way to approach your finances. Before making a purchase, ask yourself if this will help or hinder your financial goals. Be positive about the financial decisions you choose to make.Get a money buddy:Find a friend who can be helpful and positive toward your financial goals. They could be the motivation you are looking for.Negotiate your salary:You can always try to increase your income by negotiating your salary. If you can’t remember the last time you’ve received a raise, it is probably time to start asking.Conquer smaller debts first:Debt is overwhelming. Try chopping down the little debts first before shooting for the larger ones.Don’t be a co-signer:Want to get in more financial peril? Probably not! So don’t find yourself in a position to cosign for a loan. Just don’t.Always choose federal student loans over private:Federal student loans always have more flexible payback options and typically have better interest rates too.Be happy, spend money on experiences:The research says that spending money on material things will leave you less happy than if you went to a concert or spent money on experience.Always be saving money:Don’t wait on this one. Be saving money today, tomorrow, and always. If you don’t start right this second, you might never start.Hang on to your retirement, always:Your retirement account is for retirement and nothing else. Don’t dip into it and don’t let go of it.Eye up your credit score:Your credit might be less than stellar, but there is no way to fix it unless you know what is wrong with it. Keep track of it on sites like creditkarma.com. They can give you advice on ways to crank it up.Keep your credit below 30%:If you take the total amount on all of your credit cards and divide it by your total available credit, you get your credit utilization. Keep this below 30% and you are doing great!Investigate your life insurance:Learn about life insurance and see what you are really getting from your employer. It is likely minimal. You can do better.Get renter’s insurance:Are you a renter? You should never go without renter’s insurance. It protects from burglaries, fires, vandalism, and some even cover medical expenses should someone get injured on your property.Separate savings and checking:One account is not going to cut it. Always have separate checking and savings. Try to name your savings account if you can. Some people even put their savings account with another bank so they forget it’s even there (until they need it of course).Have an emergency fund:You need an emergency fund. You never know when your pet might break a leg, your car might spontaneously combust or you might lose your job. Always have an emergency fund.Fees kill:Bank fees, credit card fees, maintenance fees. Whatever they are called, they will kill your budget. Always know what fees are associated with all of your financial products and get rid of them immediately.You should know your interest rates:Zero. That is the best interest rate to have. You should always aim for zero percent interest or not take out the money in the first place.Be kind to yourself:It is not likely that you will immediately change the way you think about money, so be kind if you don’t grasp each detail. What’s important is that you put in the effort. You likely didn’t get into financial difficulties overnight, so you likely won’t fix them overnight (unless you just won the lottery).
27
Oct
$42,500 loan turn into a $477,000 debt?’
Cooper’s parents died in 2021, and their house was last year valued at $750,000, so – as things stand – he and his sister will have to hand over most of that to the bank. He says he feels certain his late parents did not realise that that $42,500 loan could spiral to close to $500,000 and “cost their kids their inheritance”.However, the bank says it recommended at the time that customers took independent financial advice to ensure they understood the product and that it was right for them, and adds that in this case, solicitors were instructed by the borrowers.The Coopers are among hundreds – probably thousands – of families whose lives have been blighted by shared appreciation mortgages (Sams). This was a type of home loan that was only on sale for a brief period, between 1996 and 1998, and only available from two banks, Bank of Scotland and Barclays.These loans were ostensibly aimed at helping “asset-rich, cash-poor” older people release some of the value locked up in their homes. They typically allowed people to borrow up to 25% of the property’s value, and usually there were no repayments to make during the lifetime of the loan.In return, people were required to pay back the original amount when the mortgage was repaid, or when they died and the house was sold, plus a share of any increase in the value of their home.This share was usually worked out on a three-to-one basis – so if you borrowed 25% of the value, you would be in line to hand over 75% of the future growth in value.Of course, in the years since those mortgages were sold, house prices have rocketed, leaving people facing massive repayments if they want to move – or, as in the case of Cooper, leaving the offspring of those who signed up with a huge and costly headache.
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