Choncé Maddox

About the Author

Choncé Maddox

Choncé is a Certified Financial Education Instructor (CFEI) and a nationally recognized personal finance and budgeting expert. She's paid off $50,000+ of personal debt and her debt story has been highlighted in Essence Magazine and on "Good Morning America" as part of its 2020 Debt-Free Decade series. Her work has been featured on sites, including Business Insider, LendingTree, Credit Sesame, Barclaycard, and The New York Post. Choncé was named one of the top financial experts to follow on Instagram by Black Enterprise.

Latest Posts

14 posts written/edited to date

Guide

35,700 views

9 min read

Is Auto Credit Express Legit? (Feb. 2024)

Is Auto Credit Express a Legitimate Lender?

Having bad credit can make getting an auto loan seem like an uphill task. What’s worse is that some companies seek to take advantage of consumers... read more »

Choncé Maddox

By: Choncé Maddox • 1/8/24

Guide

48,484 views

9 min read

7 Best Small Payday Loans Online (Feb. 2024)

7 Best Small Payday Loans Online

Has an expected expense caught you off guard and left little money until your next paycheck? Payday loans are short-term loans that are designed... read more »

Choncé Maddox

By: Choncé Maddox • 11/6/23

Guide

78,565 views

13 min read

7 Best $6,000 Loans For Bad Credit (Feb. 2024)

5 Best $6,000 Loans For Bad Credit

If you need to borrow thousands of dollars for an unexpected or urgent expense, a personal loan can be a great option to quickly get the money... read more »

Choncé Maddox

By: Choncé Maddox • 10/23/23

Guide

47,203 views

9 min read

8 Bank Accounts With Free Overdraft Protection (Feb. 2024)

8 Bank Accounts With Free Overdrafts

Many of us have been there. A small purchase or a forgotten bill causes your bank account balance to be negative. What’s worse is that many banks... read more »

Choncé Maddox

By: Choncé Maddox • 10/12/23

Guide

59,092 views

11 min read

5 Instant Approval Credit Cards With Instant Use (Feb. 2024)

How to Get an Instant Approval and Use Credit Card

The process of getting accepted for a credit card and quickly activating it is becoming more streamlined and easier to do. Instant approval... read more »

Choncé Maddox

By: Choncé Maddox • 9/13/23

Guide

91,665 views

9 min read

7 Best Bad Credit Truck Loans (Feb. 2024)

7 Best Bad-Credit Truck Loans

Trucks are some of the most versatile vehicles on the market, but they often come with a high price tag. A compact truck may cost anywhere from... read more »

Choncé Maddox

By: Choncé Maddox • 8/24/23

Guide

45,837 views

9 min read

9 Home Improvement Loans For Bad Credit (Feb. 2024)

9 Home Improvement Loans For Bad Credit

Perhaps it’s time for a home renovation, but your credit score is on the lower end. Although getting a home improvement loan with bad credit is... read more »

Choncé Maddox

By: Choncé Maddox • 8/14/23

Guide

65,868 views

9 min read

5 Preapproval Auto Loans For Bad Credit (Feb. 2024)

5 Auto Loans You Can Get Preapproved For With Bad Credit

Getting a car loan with bad credit may be challenging, but getting preapproved can make the process run smoothly. While your credit score is one... read more »

Choncé Maddox

By: Choncé Maddox • 7/31/23

Guide

98,158 views

7 min read

5 Best Home Equity Loans For 500-600 Credit Scores (March 2024)

Best Home Equity Loans For 500-600 Credit Scores

Home equity loans are a popular lending option that can help you pay for home repairs, pay off debt, or cover other important expenses. In the... read more »

Choncé Maddox

By: Choncé Maddox • 6/26/23

Guide

100,000+ views

9 min read

5 Companies That Remove Late Payments From Credit Reports (March 2024)

5 Companies That Can Remove Late Payments

At least 16% of Americans have a bad credit score, which is a FICO score below 580. Having bad credit can make it harder to get approved by... read more »

Choncé Maddox

By: Choncé Maddox • 6/19/23

Guide

100,000+ views

7 min read

5 SUV Loans For Bad Credit (Feb. 2024)

5 SUV Loans For Bad-Credit Borrowers

The average price of an SUV is a staggering $80,000, so even with a large down payment, many people still need to finance such a large purchase.... read more »

Choncé Maddox

By: Choncé Maddox • 6/13/23

Guide

100,000+ views

9 min read

6 Best Auto Loans For Fair Credit (Feb. 2024)

6 Auto Loans For Fair Credit Borrowers

The average price for a new car is $47,000 compared to $28,000 for a used car, according to Kelly Blue Book. Either way, buying a car can get... read more »

Choncé Maddox

By: Choncé Maddox • 12/28/22

Guide

100,000+ views

9 min read

5 Auto Loan Companies For Poor Credit (Feb. 2024)

5 Auto Loan Companies For Poor Credit

Getting an auto loan can seem near impossible with bad credit. But lenders know that not everyone has perfect credit and some companies cater to... read more »

Choncé Maddox

By: Choncé Maddox • 11/3/22

Guide

100,000+ views

11 min read

5 No-Credit-Check Bank Accounts (Feb. 2024)

5 Bank Accounts With No Credit Check Required

No credit check bank accounts are not rare. Many banks and financial institutions do use ChexSystems Reports to review your past banking and... read more »

Choncé Maddox

By: Choncé Maddox • 9/29/22