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  <description>Plain-English guides to personal loans from $500 to $5,000: costs, credit, repayment and alternatives.</description>
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    <title>How Does a Personal Loan Work, From Request to Funding?</title>
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    <description>How sunset loans and other personal loans move from request to prequalification, offer, verification, signing and funding, with a realistic timeline. Read on.</description>
    <category>Personal Loans</category>
    <dc:creator>Trent Calloway</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>Personal Loan vs Credit Card: Which Costs Less?</title>
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    <description>Personal loan vs credit card: compare sunset loans with carrying a card balance, with minimum-payment math, grace periods and credit impact. See the numbers.</description>
    <category>Personal Loans</category>
    <dc:creator>Trent Calloway</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>Debt Consolidation Loan vs Balance Transfer Card: Which Fits You?</title>
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    <description>Debt consolidation loan vs balance transfer card: how sunset loans compare on transfer fees, intro APR expiry, credit limits and payoff math. Find your fit.</description>
    <category>Debt Consolidation Loans</category>
    <dc:creator>Owen Delacroix</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>Building a Debt Consolidation Plan That Sticks</title>
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    <description>Build a debt consolidation plan that sticks: list debts, pick a method, budget, automate, decide on old cards and recover from slips, with sunset loans in mind.</description>
    <category>Debt Consolidation Loans</category>
    <dc:creator>Owen Delacroix</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>How Much Should You Borrow for Holiday Travel and Gifts?</title>
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    <description>Sizing sunset loans for holiday travel and gifts: list every cost, subtract savings, run a payment-to-income test and borrow less. Start with your number.</description>
    <category>Holiday Loans</category>
    <dc:creator>Priya Hollingsworth</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>The Holiday Budget Guide: Gifts, Travel and Hosting</title>
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    <description>A holiday budget guide for gifts, travel and hosting, plus how sunset loans fit only after the plan is written. Build your season budget step by step today.</description>
    <category>Holiday Loans</category>
    <dc:creator>Priya Hollingsworth</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>Can a Personal Loan Cover Small Business Startup Costs?</title>
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    <description>Can sunset loans cover small business startup costs? What counts, personal liability, sizing $500 to $5,000, separate accounts and when not to borrow. Read on.</description>
    <category>Small Business Loans</category>
    <dc:creator>Priya Hollingsworth</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>Working Capital Basics for Side Hustles and Micro-Businesses</title>
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    <description>Working capital basics for side hustles: cash conversion, inventory turns, seasonal dips, cash buffers, and when sunset loans make sense. Plan your cash now.</description>
    <category>Small Business Loans</category>
    <dc:creator>Priya Hollingsworth</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>Personal Loan vs Cash Advance App: Which Is Safer for a Gap?</title>
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    <description>Comparing sunset loans with a cash advance app? See tips and express fees turned into APR, repayment timing, credit effects and which tool fits your gap best.</description>
    <category>Short-Term Loans</category>
    <dc:creator>Owen Delacroix</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>How Short Can a Short-Term Personal Loan Be?</title>
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    <description>How short can sunset loans be? Learn typical minimum terms, how state rules shape them, what a shorter term does to your payment, and how to pay off early.</description>
    <category>Short-Term Loans</category>
    <dc:creator>Trent Calloway</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>What Credit Score Do You Need for a Personal Loan?</title>
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    <description>No single score unlocks sunset loans. Learn how lenders read score ranges, income and your credit report, plus quick fixes before you request a loan.</description>
    <category>Personal Loans</category>
    <dc:creator>Marisol Keane</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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    <title>Secured vs Unsecured Personal Loans: A Side-by-Side Guide</title>
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    <description>Weighing secured vs unsecured sunset loans? Compare collateral, APRs, approval odds, loan sizes and risk with worked math, then choose the structure that fits.</description>
    <category>Personal Loans</category>
    <dc:creator>Marisol Keane</dc:creator>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0700</pubDate>
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