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Personal Loans

Learn more about how personal loans work & what you can use them for, see our picks for the best personal loan lenders, and read reviews of the top lenders in the industry.

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See our editorial team’s picks for the best personal loans.

How personal loans work

Personal loans don’t often seem complicated, but you should understand several specific terms before you apply for one.

Personal loan uses

You can use personal loans for almost anything, including paying off debt and home improvements.

Personal loans by credit range

Your credit score is critical in determining eligibility for a personal loan. Before applying, check your credit score to determine whether your credit is excellent, good, fair, or poor. Compare companies that lend to borrowers in your credit range to boost your chances of approval.

Personal loan reviews

If you’re considering applying for a personal loan through a specific company, you should understand how that company operates and the repayment terms.

Latest on personal loans:

How Long Does It Take to Get a Personal Loan?

We researched 10 popular lenders’ processes to determine how long it takes to get a personal loan—and how to speed up the process.

Kovo Credit Builder Review

A Kovo credit builder loan gets you access to business courses. Make on-time payments for this education—then watch your credit score grow.

Personal Loans by State

When you need a personal loan, where you live can affect your choice of lenders and loan terms. Comparing personal loans by state...

Personal Loans for Investments

It’s often best to avoid personal loans for investing because the risks are high, and it makes little financial sense. But can it...

Point-of-Sale (or Buy Now, Pay Later) Loans

In some cases, point-of-sale loans can offer convenient and inexpensive financing, but they can result in overspending and extra charges if you're not...

What Does “Same as Cash” Mean?

Same-as-cash financing may sound like a terrific option to cover a large purchase. But these offers can cost you if you don’t read...

Chime Credit Builder Credit Card Review

Chime Credit Builder is a secured credit card with no minimum security deposit and no credit checks, offering an easy way to build...

Happy Money Personal Loan Review

Happy Money personal loans are for paying off credit card debt. There’s no hard credit check and loan options are displayed within minutes.

What Is a Credit Builder Loan?

A credit builder loan is one way to build or rebuild credit history. Credit builder loans can have both pros and cons, and...

CreditStrong Credit Builder Review

CreditStrong's credit building loan reports to all three credit bureaus while also growing your own savings account.