Lucy Lazarony

Senior Credit Writer
Lucy Lazarony

About the Author

Lucy Lazarony is a veteran financial journalist with nearly 30 years of experience covering credit, credit cards, and consumer finance. Widely recognized for her ability to demystify complex financial topics, Lucy has established herself as a trusted authority in the credit space.

She previously served for seven years as a staff writer at Bankrate.com, where she contributed in-depth reporting, trend analysis, and consumer-focused guidance on credit cards and lending products. Her work has since appeared in top-tier publications, including Investopedia, Next Avenue, the National Endowment for Financial Education (NEFE), and Credit.com, reinforcing her reputation as a leading voice in personal finance journalism.

Lucy holds a bachelor’s degree in journalism from the University of Florida, where she developed the investigative and reporting skills that continue to shape her career. Her excellence in storytelling has been recognized by the Florida Press Club, earning awards for Education Reporting (2016) and Arts News Reporting (2015).

Across her career, Lucy has helped millions of readers make informed financial decisions, offering clarity on credit scoring, responsible credit card use, debt management, and consumer rights. Her work remains a cornerstone resource for individuals seeking transparent, accurate, and actionable financial information.

Latest Posts

Worked On 121 Articles To Date

Blog

322 views

3 min read

Auto Loan Payments Have Jumped Nearly 40% Since 2019

Auto Loan Payments Have Jumped Nearly 40% Since 2019

The average monthly payment on a new vehicle loan has climbed to $785 a month, up almost 40% since 2019, according to TransUnion’s Q2 2026 Credit... read more »

By: Lucy Lazarony • 8/6/26

Blog

176 views

3 min read

OppFi Bank Deal Could Bring 195% APR Loans Nationwide

OppFi Bank Could Bring Triple-Digit Loans Nationwide

OppFi could bring loans with APRs as high as 195% to borrowers nationwide if federal regulators approve its proposed acquisition of BNC National... read more »

By: Lucy Lazarony • 8/5/26

Blog

810 views

3 min read

New Delaware Law Will Erase Hospital Bills for Some Patients

New Delaware Law Will Erase Hospital Bills for Some Patients

A new Delaware law will eliminate hospital bills for some low-income patients and provide new protections against medical debt collection. Signed... read more »

By: Lucy Lazarony • 8/3/26

Blog

2,023 views

3 min read

Rent-Splitting App Flex Wants to Become an FDIC-Insured Bank

Rent-Splitting App Flex Wants to Become an FDIC-Insured Bank

Flex Rent has helped more than 3 million consumers split their rent payments since it launched in 2020. Now the company behind it wants to become... read more »

By: Lucy Lazarony • 7/30/26

Blog

3,724 views

3 min read

Oregon Says BNPL Lenders Need Payday Lending Licenses

Oregon Says BNPL Lenders Need Payday Lending Licenses

Oregon just reminded Buy Now, Pay Later lenders that they need to follow state payday lending and consumer finance rules for some... read more »

By: Lucy Lazarony • 7/29/26

Blog

2,519 views

3 min read

More Than 1 in 10 Federal Student Borrowers Owe $100K

More Than 1 in 10 Federal Student Borrowers Owe $100K

More than 1 in 10 federal student loan borrowers are carrying balances exceeding $100,000, according to TransUnion’s U.S. Consumer Credit... read more »

By: Lucy Lazarony • 7/27/26

Blog

4,212 views

1 min read

Walmart-Backed OnePay Launches Loans Up to $50K

Walmart-Backed OnePay Launches Loans Up to $50K

Walmart-backed OnePay is moving deeper into consumer lending with personal loans of up to $50,000 available entirely through its app. Customers... read more »

By: Lucy Lazarony • 7/23/26

Blog

4,140 views

3 min read

Trading In An Underwater Car Can Add Nearly $6,500 in Interest

Underwater Auto Trade-Ins Can Add $6,500 in Interest

Trading in an underwater car and rolling the remaining debt into a new loan can cost borrowers nearly $6,500 in additional interest. Buyers who... read more »

By: Lucy Lazarony • 7/22/26

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