A new year is approaching and with it, the promise of a vaccine and an end to the pandemic. As such, it is a great time to regroup and take stock of your finances and, if 2020 was tough on your wallet, to course-correct.

Fortunately, you can refinance almost all types of debt, from mortgages to car loans, student loans, credit cards, and more. Here, we are sharing what you need to know if you want to refinance your debt.

If you’re in a situation where you need cash (and fast!) it’s worthwhile at least considering whether there are other options available. Fortunately, viable alternatives to the high-interest payday loan do exist. Here are a few that you may want to consider.