Home Authors Bethany Hickey
Bethany Hickey

Bethany Hickey

Writer, Banking and Loans

Bethany Hickey is a personal finance writer at Finder, specializing in banking, lending, insurance, and crypto.

Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.

Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.

Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine.

Expertise

  • Personal finance
  • Banking
  • Auto loans
  • Insurance
  • Cryptocurrency and NFTs

Education

  • Bachelor of Arts, English-Writing

Educational organizations

  • University of Michigan-Flint

Featured publications

Industry insights from Bethany Hickey

We asked Bethany Hickey for her thoughts on borrowing during a recession and how to choose the best loan.

Is it a good idea to take out a loan during a recession?

The answer isn’t so straightforward, unfortunately. In a recession, it may be harder to qualify for a loan, because lenders are known to tighten up stipulations to reduce risk. We occasionally see lower rates in business loans as a way to stimulate the economy, but that’s not always the case. It can be good before a full-out recession to prepare by sorting out your finances — such as consolidating your credit card debt or refinancing a home for a lower interest rate while the getting is good. But if rates are high and your credit isn’t great, it may be a better idea to hold off on taking on new loans to reduce your risk of default during a recession.

How do I choose the best personal loan when my credit isn’t great?

Personal loan rates can get high if you have poor credit. Most personal loans are unsecured, so they carry a little more risk and lenders tend to charge higher rates. And with short-term installment loans and payday loans, you could see a 200% APR or higher. My advice would be to avoid no-credit-check payday loans, if at all possible. And even with a credit score of around 580 to 670, there are plenty of personal loan providers that could work if you have steady income. Also consider a cosigner or coborrower to increase your approval odds. And adding someone else to the loan could get you a higher loan amount or lower interest rate (or both!).

Latest articles by Bethany Hickey

375 articles written by this author

Revolut vs. Wise: Which fintech is right for you?

Wise always offers the mid-market exchange rate, but Revolut has more integrations and perks. Compare these two fintechs side-by-side.

Bethany Hickey 12 June 2024
Revolut vs. Wise: Which fintech is right for you?

How to switch checking accounts in 6 steps so it’s not a hassle

Switching to a new checking account doesn’t have to be a pain.

Bethany Hickey 10 June 2024
How to switch checking accounts in 6 steps so it’s not a hassle

Kovo Credit Builder review

Kovo Credit Builder helps you build your credit history for around $10 per month and reports to four credit bureaus. Many competitors do not.

Bethany Hickey 4 June 2024
Kovo Credit Builder review

7 best bank accounts for e-commerce businesses

Bluevine, Found, Novo, Grasshopper, Revolut, Wise and PayPal are among the best banks for ecommerce and sellers on Amazon, Etsy and Shopify.

Bethany Hickey 4 June 2024
7 best bank accounts for e-commerce businesses

Banks with instant mobile check deposit

Banks like PNC, SoFi, HSBC, US Bank, Axos, KeyBank, Fifth Third Bank and more offer instant fund availability with mobile check deposit.

Bethany Hickey 4 June 2024
Banks with instant mobile check deposit

8 best budgeting apps for couples

The best budgeting apps for couples and families include Honeydue, YNAB, Rocket Money, Empower, FamZoo, Goodbudget and more.

Bethany Hickey 31 May 2024
8 best budgeting apps for couples

Lili vs. Bluevine: Which bank is right for you?

Lili and Bluevine both offer free business checking, but Bluevine is better for its interest-bearing accounts and large ATM networks.

Bethany Hickey 21 May 2024
Lili vs. Bluevine: Which bank is right for you?

SoFi vs. Discover: Which bank is right for you?

Both SoFi and Discover Bank are rewarding and free, but SoFi lets you invest online. The best bank for you will depend on what features are most important to you.

Bethany Hickey 21 May 2024
SoFi vs. Discover: Which bank is right for you?

SoFi vs. Wells Fargo: Which bank is right for you?

Wells Fargo is a Big Four bank, but SoFi's free online checking and savings accounts boast competitive interest rates, savings round-ups and easy ATM access.

Bethany Hickey 21 May 2024
SoFi vs. Wells Fargo: Which bank is right for you?

SoFi vs. Chase: Which bank is right for you?

SoFi is better than Chase for savings and checking accounts, but Chase is the better pick for credit cards.

Bethany Hickey 16 May 2024
SoFi vs. Chase: Which bank is right for you?
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