If you are looking for availing of a loan, you need to keep in mind that your credit score plays a crucial role in your ability to get a loan. When you apply for a loan, the lender will take a look at the credit score before making a decision, and your credit score will reflect whether you are capable of making the repayment on time. A lot of loan applications are rejected because of a poor credit score and a bad credit history. However, even with a bad credit history, it is possible to qualify for a loan. In the case a loan application is approved against a low score, it will carry a high annual percentage rate (APR), which may make it difficult for you to repay the loan amount. So, it is important that you compare the different poor credit loan options and go for the one that best fits your requirements. Here is a list of the top four financing companies that offer loans to individuals with a poor credit history. LendingPoint This online lender, based out of Georgia, offers poor credit loans to borrowers whose credit score ranges between 600 and 680. Moreover, it has favorable options for repayment of the loan. Avant This online credit lender is a reliable name in the industry and it meets the needs of the borrowers who have a credit score as low as 580. However, for borrowers, it has a minimum salary requirement of $40,000 per annum. OppLoans Borrowers who are suffering from a subprime financial condition where they have extremely poor credit histories should opt for OppLoans as they are the only lender in the industry who may process a loan for an individual with deficient credit scores. However, to cover for their risk, they charge a relatively higher rate of interest as compared to the other lenders. Stilt Inc. Based in San Francisco, Stilt Inc., is perfect for those people who are yet to build a credit score. This FinTech company looks at various factors beyond the credit score to decide whether they want to sanction loans to individuals. If you are in need of a loan and have a poor credit score, you may submit a loan application online to one of the lenders mentioned above. However, it is best to understand their terms of lending before you file your application and avail of a loan.

If you wish to use a Voice Over Internet Protocol (VoIP) service which doesn't have to involve the hassle of buying hardware or using mobile chips or are eager to opt out of paying for expensive call rates, keep reading. Choosing the right VoIP service can do wonders for you and can make talking for longer hours a lot easier. All you have to do is find a service where the speeds are decent. We are here to recommend a few services to get started with and venture into the world of VoIP. Easy to install and setup in your devices, these services need no hardware. They offer competitive call rates and various lucrative but affordable packages. Here are the top two awesome mobile VoIP apps for tech users. Whether you use a tablet, smartphone, or a desktop, these service will work for you, with every device, and in every situation. Viber If you're looking for a cross-platform VoIP app, then Viber is the one to go for. With apps for iOS, Google Play, Blackberry, and Windows phones, Viber lets you send text messages for free to other Viber users. You can call other Viber users for free as well. They even offer a service called Viber-out for making international calls. Viber-out services are very affordable and start at 1.9 cents per minute but the rates vary depending on the country and location you call. You can run VoIP calls to landlines and other mobile users through Viber. Since Viber does not consume a lot of internet data, you can use it via both Wifi and 3G/EDGE networks. The call quality is great on the Viber app, even in areas of poor coverage and reception. The app imports your existing contact list so you don't have to manually punch in the numbers, and save contacts tediously. Vonage Mobile Vonage Mobile offers apps for iOS and Android which let you make calls on the go through almost any device. The voice calls placed through Vonage Mobile utilize internet data or WiFi. You can use your WiFi network to make calls through Vonage Mobile from your very own phone number. The best part about Vonage Mobile is that call rates can be cheaper than those of Skype, which they claim proudly on their official website. You can make domestic calls anywhere in the U.S. for free through Vonage Mobile and international calls at very low-rates. The setup and installation is very easy. Most users report that the call quality, reception, and transmission rates and ranges are exceptional. This makes Vonage Mobile one of the best VoIP apps and internet voice calling service providers. VoIP apps allow you to make voice and video calls. Conference features are also available. Just ensure that your device is connected to a strong internet connection.

A cooktop is an essential appliance for any modern kitchen. There are different types of cooktops available on the markets that have their own unique features. Furthermore, they are equipped with the latest technologies which allow users to experiment with the food. The primary advantage of a cooktop is that it helps to cook food evenly with cutting-edge flaming and sophisticated heating technologies. And since there are several incredible brands in the market, one should focus more on selecting a right product for their home. If you are currently looking for a cooktop, then you can consider buying from Frigidaire which is a leading brand that offers gas, electric, induction and other cooktops with striking features. The best part is that you can buy Frigidaire cooktops at reasonable prices. Frigidaire cooktops have built-in applications that help in preparing recipes quickly as well as efficiently. 30" freestanding models, 30" slide-in models, and 36" freestanding models are some Frigidaire gas cooktop models which are quite popular in the market. Moreover, since they come in various sizes, they suit all kinds of consumers with specific needs. The Frigidaire gas cooktops range from $399 to $1399, which are available in three colors, i.e., black, white and stainless steel. While you are perusing through Frigidaire gas cooktops, be mindful of certain essential things such as your cooking style, kitchen space, and budget constraints. For example, if you live in an apartment, then you should a get a 30" freestanding Frigidaire gas cooktop which could comfortably fit your kitchen area without causing any hassles while cooking. Apart from gas cooktops, you can even consider purchasing Frigidaire induction cooktops and electric cooktops. Also, remember that the induction variants work on an electromagnetic technology and therefore they might be relatively expensive too. Frigidaire offers two induction cooktop sizes i.e. 30" and 36" which can cost between the price range of  $1,499 to $2249. At the same time, you will need specific pans, pots, and cookware items which are compatible with the Frigidaire induction cooktops. Finally, whichever variant you get, ensure that you get it installed with the help of a professional to avoid any damages. You can find Frigidaire gas, electric and induction cooktops on sale in regular electronics shop or on e-commerce websites. If you are on a limited budget, then it is recommended that you purchase them online as you can grab lucrative deals and discounts. Although, you must ensure that the online seller is authorized to evade any scams. Therefore check consumer reviews before you make any prepaid transactions.

Fireplaces are structures constructed using varying materials for developing a relaxed atmosphere in the house. While redesigning a particular area, take some time to think and then invest in the most appropriate form of the fireplace. Wood fireplaces Vintage fireplaces make use of wood and are portrayed as an ideal place for cozy evenings. A wooden fireplace is the first thing that pops up in the mind as soon as one talks about winters. You may not be aware of the fact that these structures are available in multiple forms such as:

• Open fireplaces These fireplaces have been present since time immemorial and continue to rule traditional houses. They are the most authentic form of fireplaces that involve realistic burning and crackling of wood.
• Closed fireplaces The only difference between this and the above-mentioned one is the glass enclosure that accompanies the fireplace created to prevent the excessive loss of heat.
• Inserts These fireplaces are extremely handy structures that can be easily glided into an open structure without much effort.

Gasoline fireplaces Modern fireplaces are now gas alternatives to the wooden ones although, they lack the feel of an original fireplace. Moreover, they are cleaner options that provide more heat than their wooden counterparts and also emit the least possible pollutants. The vented and vent-less structures are the two types of modern fireplaces sold commonly by brands. Electricity powered fireplaces These fireplaces facilitate complete customization using a device as simple as a remote. They are the most reliable versions of modern fireplaces since their installation is not difficult at all and value for money is the highest.

• Fireplace TV cabinets For those of you who cannot afford to buy a separate structure, living room furniture such as entertainment cabinets that contain two outlets can be purchased. In one outlet, the television can be placed, whereas, in the other one, electric fireplace inserts can be fit in. In this manner, both money, as well as space, is saved which serves as a boon for owners of small houses.
• Mantel fireplaces These modern fireplaces are quite similar to the traditional wood burning ones and are preferred by connoisseurs of vintage furniture as well as architecture.

Ethanol fireplaces The most recent form of modern fireplaces are those that employ ethanol to burn flames for generating heat. Ethanol fireplaces are a perfect blend of contemporary style as well as construction that ensure odor-free heating. Although they are loaded with some of the best attributes and accessories, these modern fireplaces are not as effective in terms of warmth produced. Vintage structures are now being replaced by ethanol wall fireplaces since they appear nothing less than a masterpiece. Not only walls, manufacturers have started producing modern fireplaces in small sizes that can be effortlessly stationed on tables as well.

Dental health is one of the most important factors to improve one's overall well-being. However, dental procedures, such as bridges, crowns, and fillings, can be expensive. That's why many people in the country sign up for dental insurance. The insurance can cut costs on expensive procedures and cover other preventive dental care. When shopping for dental insurance, one must look for a dentist network that offers a range of services at appropriate premiums. Top 5 dental insurance providers Renaissance Renaissance Insurance covers various preventive care services, such as routine exams and cleaning. It also covers the cost of dental implants and crowns. Furthermore, the Renaissance PPO network includes national and regional networks that give customers access to more than 300,000 dental access points. The dental office part of the network will also complete and file paperwork for customers to fasten the reimbursement process. The insurance company has an online member page called MyRenCoverage. This page is also useful for checking benefit information, printing ID cards, and finding a nearby participating dentist with ease. Spirit Dental The insurance plans from Spirit Dental are affordable and offered to a single member, two members, and families. The company allows customers to choose a preferred dentist from the available list on the website. They also offer three cleanings a year as part of their dental plans. Spirit Dental offers comprehensive plans that cover implants and major services without waiting periods. These plans enable users to opt for pricier dental services without restrictions or limitations. Customers can also take advantage of a $5,000 max coverage in the third year. eHealth® eHealth® has had a footprint in the dental industry for over 20 years. The company offers more than 600 dental plans from over 270 dental insurance carriers, which have helped more than 5 million people make the best of their dental insurance. The dental plans generally cover most or all the costs when it comes to oral exams, fillings, x-rays, and cleanings. The dental packages from eHealth® are also budget-friendly and offer plans starting below $10. The insurance provider also offers tools and licensed agents to help customers find a suitable insurance plan for themselves and their family members. Cigna Customers who sign up for Cigna's insurance plans will get access to a network of more than 92,000 dentists. They can also pick from a variety of dental insurance packages tailored to fit their requirements and budget. Furthermore, Cigna's online account allows users to look for in-network providers, procedures, and cost estimates. They can also review spending account balances, withdrawals, contributions, and view claim status through the website portal. One can update contact information through the online account to avoid missing out on important notifications. Additionally, users can also download the myCigna® App available on the Apple App Store and Google Play to manage these services. Physicians Mutual® The insurance provider is one of the more affordable options; it covers over 350 procedures, including fillings, cleanings, crowns, and dentures. Physicians Mutual® does not charge any deductibles, and there is no annual or lifetime maximum on the number of cash benefits an individual can collect. The company also offers immediate coverage for preventive care, such as X-rays, cleanings, and routine exams. Patients can pick a dentist from a network of more than 500,000 provider locations.

Nowadays, there are a large number of people who buy cars online. Similarly, online car auctions have also risen in popularity, and it has become an excellent way to get a car at a lower rate. You can get access to a wide variety of cars, depending on the website that you visit and you can get information on these cars. Scroll down to know about the best car auction websites that are reliable. Salvage Bid A website that offers the customer a large number of vehicles to choose from, Salvage Bid also connect buyers with auctions happening not just throughout the country but all around the world as well. The buyer can easily search by model, make and year if they happen to look for something specific. You don’t need a dealer license to work with them. Smart Auction This is a closed auction site that is available to members and dealers alone. This site is heavily used as they specialize in consigned vehicles as well as off-lease, fleet and rental vehicles. Ove.com This is a members-only car auction site where you can find a large variety of vehicles on offer, from a massive selection of 4x4 trucks to salvaged inoperable and totaled vehicles. Adesa Similar to Smart Auction, Adesa is primarily used for dealer consignments, off-lease, fleet vehicles, and rentals. Although they don’t specialize in salvage vehicles, they do pop up from time to time. To become a member, you need to be a licensed dealer. eBay Motors eBay connects buyers of all types with sellers offering everything from cars to boats, motorcycles and much more. You can also buy parts and accessories here. As more and more people have mastered the art of eBay bidding, it has become more and harder to find a good deal here. Auto Trader Auto trader although not necessarily a car auction site, does connect private sellers and dealerships to buyers all across the country.