Business
Ladder Advisors Won’t Get You A Better Deal on Personal Loans
If you are looking for a better deal on personal loans and you are considering Ladder Advisors, keep on looking. Our advice is to take a step back and check the Credit9 reviews before making a decision.
Very often in our lives, we need large amounts of cash for different purposes, be it for buying a car, renovating our home or paying medical bills. If you are seeking a loan, you should try to get a better deal on personal loans because it can save you a lot of money, make repayments much easier, and keep you out of debt collection.
Personal loans may range between $1,000 and $100,000. Online lenders and banks offer personal loans under their own terms and conditions. You should look for terms and conditions that will give you a better deal on personal loans.
The Coronavirus Crisis May Give You a Better Deal on Personal Loans
The coronavirus crisis has wreaked chaos everywhere around the world. However, there do exist opportunities for those seeking personal loans since the Federal Reserve is moving in aggressively to contain the devastating coronavirus fallout that the economy will have to endure and try and limit the number of coronavirus bankruptcies.
In short, the Fed has cut down interest rates to almost zero. The Fed did this to give impetus to an economy staggering and reeling under the unprecedented impact of the coronavirus. You shouldn’t be surprised that the Fed resorted to this measure considering that entire industries are currently stagnating and some like hospitality, travel, tourism and airlines are in danger of closing down.
Depending on your credit score, history and other factors, you may find loans with APRs ranging from 5% to 36%.
To get better deals on personal loans, you can visit certain sites to compare various loans. However, you can now expect to find very competitive interest rates as the interest rate that the Fed charges on loans have a strong influence on the finance industry.
Why is that?
It is all about the prevailing economic scenario. Back in the ‘80s when the economy was facing the shock of steep inflation, the Fed had used very high interest rates to battle the rising prices. At that time, the interest on personal loans was a stunning 19.2%.
Now the Fed has to work the other way round. It has to stimulate an economy that has been virtually knocked out by the coronavirus epidemic. The Fed is doing this by slashing interest rates to unprecedentedly low levels in order to stimulate enterprise and business activity, which have hit unthinkable lows. You can take advantage of this situation to get a better deal on personal loans.
In addition to personal loans, credit card rates are also falling. However, credit card rates still stand at an average of almost 15%, according to Fed’s research. You can play it smart and bring down your credit card costs by taking out a debt consolidation loan. You can now get a better deal on personal loans if you are seeking to consolidate debt. So, if you were looking for the right opportunity, then now is the time to act.
The Fed has brought down interest rates to new lows that were not seen since the last major financial crisis in 2008. Since the Fed has dramatically slashed interest rates, the effects will reverberate across the finance industry and they will be forced to follow suit. Hence, you should look around for personal loans because the times are ripe for deals that were previously unimaginable. Considering how aggressively the Fed is bringing down interest rates, you should not be surprised when you come across lenient terms and conditions. There has never been a better time to get a better deal on personal loans.
Apps for a Better Deal on Personal Loans
Even before the coronavirus crisis, personal loans were on the rise. Credit bureaus reported that in 2017 and 2018, there was a substantial 15% rise in personal loans.
Depending on the credit score of the borrower, most personal loans during this period ranged between $11,000 and $20,000.
Advances and developments in fintech are the key reasons behind the pre-coronavirus proliferation of personal loans. Financial apps now exist that allow you to get better deals on personal loans. These apps provide a seamless procedure for personal loan application that is both simple and convenient.
How important are these apps now? Towards the end of 2018, personal loans taken out through fintech apps accounted for a substantial 38% of the total, according to major credit bureaus. In 2013, these apps accounted for just 5% of all personal loans. Hence, the major rise in personal loans can be attributed to the relentless popularity of finance apps that allow seamless borrowing and make a better deal on personal loans easier than ever.
Personal loans are typically unsecured. This means that you do not have to forward any of your property as collateral for the loan. If you default on payments, the lender may be able to sell off the collateral to recover the loan amount. Since personal loans usually do not involve any collateral, you can have peace of mind knowing that your property is not directly at stake if you are late on a few payments. This is one of the reasons why you get a better deal on personal loans.
The repayment schedule of personal loans typically ranges from 3 to 5 years. Hence, you have plenty of time to pay back your personal loan. You can get a better deal on personal loans due to this generous payment schedule.
These loans also carry a lower debt than credit cards on average. If you have accumulated large amounts of credit card debt, you can take out a debt consolidation personal loan through which you can pay a lower cumulative interest rate on your combined credit card balances. A better deal on personal loans like this can help you with repaying credit card debt.
Hence, in order to get a better deal on personal loans, you may select an app that will help you to compare interest rates and other loan terms between different lenders.
Bottom Line
Fed interest rate cuts, combined with finance apps, can help you to get a better deal on personal loans. Given the current scenario, it is likely that the Fed may be forced to reduce the interest rate even further to bolster an ailing economy.
Business
Ethical Affiliate marketing : Defining the Conflict
Affiliate marketing in the online casino industry walks a fine line between commercial interest and editorial integrity. Affiliates earn commissions when players register or deposit through affiliate links, yet these same affiliates often publish reviews claiming to guide users toward the best and safest operators. This dual role creates a potential conflict of interest: can a reviewer remain truly objective while being financially rewarded for player conversions?
This ethical tension is not hypothetical, it defines the entire casino review system. Readers expect independent recommendations, while advertisers aim for visibility and sign-ups. The challenge, therefore, lies in ensuring that commercial necessity never compromises editorial honesty. Without clear ethical structures, the trust between affiliate and reader quickly collapses, breaking the foundation of any long-lasting brand in the iGaming space.
The Ethical Solution: Editorial Firewalls
Responsible affiliates have developed a structural response to this dilemma known as the “editorial firewall.” This principle strictly separates commercial operations (such as partner negotiations and commission management) from editorial teams responsible for content, ratings, and recommendations. By preventing advertisers or commercial staff from influencing content, affiliates safeguard the objectivity of their reviews.
Antti Virtanen, Editor in Chief of Kasinohai, explains this responsibility clearly:
“My primary responsibility is to maintain the editorial firewall. If an advertiser’s payment can influence a casino’s star rating, we have failed our readers, and that short-term gain will instantly destroy the decade of trust we have built.”
The editorial firewall functions much like journalistic separation between newsroom and advertising department. Editors work with established criteria: licensing, game variety, payment methods, and player protection measures. Without any interference from commercial targets. When this discipline is followed, affiliates can confidently assure readers that ratings reflect evidence-based quality, not marketing budgets.
Maintaining such independence often comes with short-term sacrifices: rejecting lucrative offers from less trustworthy operators or declining to modify reviews to appease advertisers. Yet, for ethical affiliates, these sacrifices strengthen the brand’s reputation and guarantee the long-term viability of their business model.
Prioritizing Safety and Trust
True ethical affiliation starts with a single non-negotiable principle: only promote casinos that are safe, licensed, and compliant with responsible gambling regulations. Trust begins at selection. Every casino under review should pass a rigorous safety audit, covering valid gaming licenses, secure payment processing, transparent bonus terms, and the presence of responsible gambling tools such as deposit limits and self-exclusion options.
Antti Virtanen underlines this commitment:
“The ethical commitment begins at the gate: our first and most important filter is licensing and player safety. Any operator that fails our rigorous background checks on responsible gaming tools, fair terms, or payment security will never be promoted, regardless of their commercial offering.”
By excluding unsafe or unlicensed platforms, affiliates act as front-line gatekeepers, shielding players from potential fraud or exploitative practices. Ethical affiliates must also stay proactive, regularly updating their databases and removing any operators that lose licenses, alter fair terms, or develop unresolved consumer complaints. This proactive maintenance shows readers that the site’s focus is not only on visibility but on genuine player well-being.
Ethics in affiliate marketing also extend to how bonuses and offers are presented. Affiliates must reject misleading promotions that hide behind fine print or impose unrealistic wagering requirements. Fair representation of bonus terms not only protects players but also differentiates responsible affiliates from competitors who prioritize click volume over credibility.
Transparent Disclosure
Transparency is a cornerstone of ethical affiliate marketing. Readers deserve to understand how affiliate links work and how they affect the content they see. A clear, accessible disclosure explains that the affiliate may receive compensation when users register or deposit through referral links. However, this relationship should never impact the user’s cost, terms, or overall experience on the casino site.
The purpose of transparency is twofold: it builds trust with readers and aligns with regulatory expectations for advertising disclosures. A good disclosure statement is not hidden in small print; it’s presented as part of the site’s editorial ethic. It assures visitors that commercial partnerships never influence ratings, reviews, or recommendations.
In practice, this can appear as a brief statement at the start or end of a review, linking to a detailed explanation of the site’s business model. Clear communication empowers readers to make informed decisions and it alleviates the underlying skepticism that often surrounds online casino reviews.
Transparency also extends to responsible gambling communication. Affiliates should remind readers that gambling involves risk and provide visible links to national helplines, self-exclusion tools, and player protection resources. When ethical values are embedded not only in compliance checklists but also in editorial tone, the brand earns genuine user respect.
Long-Term Value
The ultimate goal of ethical affiliate marketing is sustainability building a relationship of long-term trust that outlasts the allure of short-term profits. A single misleading recommendation might boost conversions temporarily, but the resulting loss of credibility can permanently damage a brand.
Antti Virtanen captures this philosophy:
“In the end, ethical affiliate marketing is not a high-volume business; it’s a high-trust business. Our long-term success isn’t measured by the conversion rate of a click, but by the number of players who return to us because we saved them from a poor or unsafe experience.”
This perspective reframes success away from mere performance metrics toward qualitative measures: user satisfaction, returning readership, and brand reliability. Ethical affiliates understand that authority and trust cannot be purchased—they are earned through consistent transparency, careful editorial standards, and user-focused decision-making.
Long-term value also aligns with broader industry goals of promoting responsible gambling and sustainable player engagement. Affiliates that champion these principles contribute positively to the reputation of the iGaming industry as a whole.
Ethical affiliate marketing is not a static policy it is an ongoing commitment to transparency, responsibility, and respect for the audience’s trust. Establishing strict editorial firewalls, prioritizing player safety, and maintaining open disclosure practices form the blueprint for sustainable success. In an environment driven by competition and revenue potential, ethics are not a hindrance but the very strategy that distinguishes credible affiliates from the rest.
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