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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 to Prequalify for a Personal Loan
Prequalifying for a personal loan is a step before the official loan application process. At this stage, lenders will assess you as a...
Best Joint Personal Loans
Personal loans are fixed-interest loans that offer consistent monthly payments and flexible spending. You can use the funds for almost any expense. When...
Personal Loan Requirements
If you’re researching personal loan requirements, you’re likely seeking financial support. You may need funds to get high-interest-rate debt under control, cover sudden...
Guaranteed Personal Loans: Do They Exist?
Guaranteed personal loans sound like a sure bet, but here’s the catch: They don’t exist. You can get preapproved for a personal loan...
Personal Loan vs. Cash Advance: Choice Depends on Loan Amount and Speed of Funds
Choosing between a personal loan and a cash advance depends on your financial situation and...
What Is the Highest Legal Interest Rate on a Personal Loan?
Before you take out a personal loan, you should understand its interest rate. After all,...
What Are 401(k) Loans and Should You Get One?
A 401(k) plan allows you to save for retirement on a tax-advantaged basis, with contributions that come straight out of your paychecks. If...
Why You Need a Personal Loan Agreement Between Family Members or Friends
Borrowing money from family or friends can be a terrific alternative to traditional loans, offering...
Easiest Personal Loans to Get in 2025
If you need cash and don’t have a great credit score, you might be tempted to turn to payday loans or other high-cost...
Personal Loans vs. Payday Loans
Personal loans and payday loans can be useful when money is tight. They can help when an unexpected expense arises or you’re making...