Freelance writer

Patrick Ward

Loan amount: The amount you can borrow depends on your income and current debt, along with your credit score and intended loan purpose. Most lenders offer $1,000 up to $50,000, but some provide loans up to $100,000 or more.
Repayment term: Most lenders offer terms between 2 and 5 years, but some offer 7-year terms as well. You may find longer terms for certain purposes (such as home improvement).
APR: The annual cost of the loan is represented by the APR, which accounts for the interest rate and any upfront fees the lender charges.

9+ years in personal finance.
Owner of Hipster Real Estate.
Work has appeared on Fox Business and Jackie Beck's The Debt Myth.

Bio and experience

With over nine years of experience, Patrick Ward is a personal finance writer, specializing in mortgages, foreclosures, real estate, and investments. He started Hipster Real Estate, a website offering advice for first-time home buyers and real estate investment.

Patrick has worked as an EMT, an AP English teacher, and a contributing writer for Fox Business.