Tag borrower protection

Interest Rate

How Interest Rate Floors on HELOCs Trap Borrowers Even When the Fed Cuts Aggressively

Document showing HELOC agreement with interest rate floor clause highlighted

HELOC interest rate floors often cap out at 4–8% regardless of Fed cuts. See why borrowers who expected savings hit a ceiling, and how to protect yourself before signing.

Marcus Delgado
July 22, 2025

Digital Lending

Digital Lending Grace Periods and Hardship Programs: What Most Platforms Quietly Offer

Borrower reviewing hardship program options on digital lending platform interface

LendingClub, Prosper, and Upstart offer relief options most borrowers never hear about. Contact your lender before missing a payment—eligibility closes once you're delinquent.

Priya Venkataraman
November 4, 2024