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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:
What Are the Tax Implications With Personal Loans?
A personal loan can cover many costs, including home improvements, medical bills, and credit card...
Personal Loans With No Prepayment Penalty
Loan prepayment is when a borrower pays off an installment loan ahead of the schedule set by the lender. Some lenders charge a...
Signature Personal Loans
A signature loan is an unsecured personal loan, meaning no collateral is required, only your John Hancock (plus a strong income and credit...
Personal Loan Insurance
Personal loan insurance is a type of credit insurance that offers financial protection in the event that you can’t make payments due to...
How to Find the Cheapest Personal Loan
Personal loans offer maximum flexibility, but borrowing money costs money. The interest rate, loan terms, and fees impact how much you pay for...
Low-Interest Personal Loans
Personal loans make it easy to afford emergency expenses, home renovations, and debt consolidation when you don’t have the money—or don’t want to...
Personal Loans for Rent
A personal loan has fixed interest rates and monthly payments that stay the same throughout the loan term. You can borrow personal loans...
Is It Hard to Get a Personal Loan?
Personal loans allow you to borrow a single lump sum, which is repaid over time in monthly installments. The ease of getting one...
How to Get a Home Improvement Loan
Home improvement loans are a type of personal loan that homeowners can use to complete renovations they can’t finance on their own. Unlike...
No-Origination-Fee Personal Loans
An origination fee is a one-time upfront fee a lender may charge to process your personal loan application. The cost of this fee...