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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:

Ultimate Cash Advance Guide: How It Works, How to Get One, and How It Affects Your Credit

If you are short on cash and need a small, short-term loan, a cash advance...

Chime MyPay 2025 Review: How It Works and Who’s Eligible

MyPay® is an optional feature for people who use the Chime® online checking account. It...

SoLo Funds Review: Is This Peer Lending Platform Worth Your Time?

SoLo Funds was founded in 2018 as a peer-to-peer lending platform where members loan or...

10 Cash Advance Scams and How to Avoid Them

If you’re searching for a quick cash advance, you’ve probably wondered whether the app or lender you’re using is legit. With scams becoming...

Payactiv 2025 Review for Employers and Employees

Payactiv is an employer-based wage advance app. It’s similar to a cash advance, but you...

Varo Advance 2025 Review: How It Works and Who’s Eligible

Varo is an online bank that offers instant cash advances to its banking customers. If...

Credit Genie Review 2025: High Fees and Low Advances—Better Alternatives Available

We don’t recommend Credit Genie because of its high fees, low advance amounts, and negative...

2025 Review of Gerald Wallet App: Declining Customer Satisfaction

If you’re looking for a cash advance to bridge the gap between paychecks, you may...

Rain Instant Pay: 2025 Review (How It Works, Pros and Cons)

When your earnings don’t stretch to payday, the Rain Instant Pay app is a good...

Cash Advance vs. Payday Loan

Cash advances and payday loans are two convenient, though potentially expensive, ways to borrow when you need money. You may get a cash...