Loans Articles
Personal Loans With No Collateral: What to Know Before You Apply
No collateral? Learn how unsecured personal loans work, what lenders look for, and how to find the right loan for your situation.
Read moreHome Equity Loan vs. Personal Loan: How to Choose
Comparing a HELOC or home equity loan to a personal loan? See how rates, risk, and repayment terms differ—and which option fits your situation.
Read moreNo Credit Check Personal Loans: What They Are and What to Know Before You Borrow
No credit check loans skip the hard pull—but they often come with triple-digit rates and real risks. Here's what to know before you apply.
Read moreWhat Is a Secured Personal Loan—and Is One Right for You?
A secured personal loan uses collateral to lower the lender’s risk. Here's how it works, what you can use as collateral, and when it could make sense.
Read moreWhat Can You Use a Personal Loan For?
Personal loans cover debt consolidation, home repairs, medical bills, and more. Learn what you can (and can't) use one for, and when it makes sense.
Read moreBills.com Personal Loan Review Methodology
Learn how Bills.com evaluates personal loan lenders—the six criteria, scoring scale, and data sources behind every review on the site.
Read moreCapital One Personal Loan Alternatives
Capital One doesn't offer personal loans. See how alternatives like Discover, LightStream, and SoFi compare on rates, amounts, and fees.
Read moreNot all banks offer personal loans, and the ones that do vary widely on rates, fees, and who they’ll lend to. Here’s how to find the right one for your situation.
Read morePersonal Loans for Bad Credit: Is Guaranteed Approval Real?
Looking for personal loans for bad credit with guaranteed approval? Learn what’s real, what’s a red flag, and how to boost your odds of getting approved.
Read moreHow to Get Approved for a Personal Loan
Learn what lenders look for, how to prequalify without hurting your credit, and steps to strengthen your approval odds before you apply.
Read moreHow to Refinance a Personal Loan
Refinancing a personal loan replaces your old loan with a new one. Learn when it could save you money, how the steps work, and what to watch for.
Read moreWhat Credit Score Do You Need for a Personal Loan?
There's no single minimum credit score for a personal loan. See the ranges lenders look for, what else affects approval, and how to strengthen your application.
Read moreAre Personal Loans Bad? When They Help and When They Hurt
Personal loans aren't good or bad on their own. See when one helps, when it hurts, and how to tell the difference before you borrow.
Read moreComparing personal loans? Learn what to look for—APR, fees, loan terms, and lender types—and how to pre-qualify without hurting your credit score.
Read moreBest Personal Loans of 2026: Compare Top Lenders
Compare the best personal loans of 2026. Find top lenders for debt consolidation, large loans, fair credit, and no-fee options. pre-qualify in minutes.
Read moreBest Home Improvement Loan for July 2026
Compare the best home improvement loans of 2026. Find personal loan lenders, rates, and tips for every credit profile—plus when a home equity loan makes more sense.
Read morePersonal Loans With a Cosigner: How They Work and When to Use One
A cosigner could help you get approved for a personal loan or land a lower rate. Learn how cosigning works, what your cosigner takes on, and how to apply.
Read moreWhat Is a Personal Loan and How Does It Work?
A personal loan is money you borrow in a lump sum and pay back in fixed monthly installments. Here's how they work, the types, and what to know before applying.
Read moreUsing a Personal Loan to Buy a Car
A personal loan can finance a car—but it works differently than an auto loan. Learn when it makes sense and what to compare before you apply.
Read moreDo Personal Loans Hurt Your Credit?
Personal loans can temporarily lower your credit score—but managed well, they could help it. Here's exactly what happens and how to protect your score.
Read moreBest Bad Credit Personal Loans for July 2026
Find the best personal loans for bad credit in [current_month] [current_year]. Compare rates, reviews, and options to consolidate debt or cover expenses.
Read moreBest Short-Term Loans for July 2026 (1)
Find the best short-term loans fo [current_month] [current_year]. Compare rates, reviews, and options to find
Read moreGet a personal loan easily by following our step-by-step guide covering everything from checking your credit score to understanding the loan agreement.
Read moreBills.com's Personal Loan Calculator lets you check various scenarios by changing the loan amount, interest rate, repayment period, and fees. Once you check...
Read moreSoft credit checks: Use them to your advantage before a hard credit check
Learn the difference between soft and hard credit checks, their impact on your credit score, and how to use soft checks to your advantage when applying for...
Read morePersonal loan: How long does it take to get approval and funding?
Find out how long it takes to get a personal loan. Learn about typical approval timelines, ways to speed up the process, and timelines for different types of lenders.
Read moreAvoid making simple personal loan mistakes that can cause you to get turned down, cost money, or unnecessarily expose you to financial harm. Protect yourself...
Read moreBoat loans can be either secured loans or unsecured personal loans. If you want lower monthly payments and a longer term, then check out…
Read moreBest Personal Loans To Pay Off Credit Card Debt July 2026
A personal loan can save you money on your credit card debt, but there’s a serious potential downside. Learn more.
Read moreMotorcycle Loans [current_month} 2026
Most people pay $7,000-$25,000 for a motorcycle. Find out how you can finance the purchase so you can grab your helmet and go.
Read moreShould You Take a Holiday Loan?
A holiday loan is a personal loan that you use to pay for vacation and holiday expenses. It should be a fairly short-term loan, since these are expenses you’re going...
Read moreMedical Loans: Should you use a personal loan to pay for medical procedures?
Medical loans are unsecured personal loans that can be used to cover health care costs. Compare loan options, plus alternative financing for medical expenses.
Read moreWhat is a signature loan and how does it work?
Signature loans are personal loans with no collateral. If your credit score is low, then use a co-borrower. Learn how to take a signature loan and the best loans…
Read morePersonal Line of Credit vs Personal Loan
The main differences between a personal line of credit and a personal loan are the types of interest rates and how you receive money…..
Read moreChristmas Loans: How Should You Pay for Your Holiday?
Christmas loans, if used properly, can help you plan your holiday gifts, travels, and entertainment and save money. However, if you don't...
Read moreSecured Loans vs Unsecured Loans: Comparing and Choosing
Secured loans require collateral, like a car or home loan. An unsecured loan or a signature loan requires a personal guarantee. Learn how to compare and choose…
Read moreHardship Loans and Alternatives
Hardship loans can help pay bills. If you are in financial hardship, it is difficult to qualify for hardship loans. Learn about the best hardship loans and alternatives…
Read moreWhat Is a Personal Line of Credit?
A personal line of credit is similar to a credit card. The lender provides a maximum amount you can borrow and minimum payments based on a variable interest rate.
Read moreThere are different types of personal loans available. The most popular type is debt consolidation loans for a fixed period and fixed interest rate. However...
Read moreLearn all about different types of loans and how to find great deals on everything from student loans, home loans, auto loans, debt consolidation loans...
Read moreTotal student loan debt in the US is more than $1.58 trillion. Learn more how student loans work, how to apply for student loans and how to pay off student loans
Read morePayday loans | Discover why you should run away from payday loans, and how to repay them if you fall behind. Make sure that you don't...
Read moreFreedomPlus offers unsecured lenders to borrowers with less than excellent credit. Maximum loan amounts are $40,000. Be sure you compare the...
Read moreLow Interest Personal Loans are a possible way to pay off credit cards at a lower cost. You need good credit and stable income, but personal loans can help...
Read moreIt is possible to find a $12,000 loan. If you can’t afford the payments on a short-term personal loan, then look for a long-term mortgage or other...
Read moreWith Citi Flex Loan, you may be eligible to turn a portion of your Citi card's available credit line into a fixed-interest loan.
Read moreGetting Loans Online | Learn how to apply for loans online and get approved. Review important tips on how to avoid online loan scams. Make sure you don't...
Read moreUnsecured personal loans are installment loans that do not require collateral. Your credit is an important factor to qualify. Use them to consolidate debt...
Read moreApply for Personal Loan | Bills.com makes it easier than ever to apply for a personal loan. Use the rate table to check rates based on different...
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