Personal Loans Articles
Personal Loan Agreement: What to Include and How to Write One
Learn what a personal loan agreement should include, how it protects both sides, and how to write one for a loan between family or friends.
Read morePersonal Line of Credit vs Personal Loan
Compare a personal line of credit and a personal loan side by side, then find out which one fits your financial goals.
Read morePersonal 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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...
Read moreLearn about the best personal loan companies. Check out how lenders compare based on the loan amount, credit requirements and rates. Read brief reviews or...
Read moreProsper is a peer-to-peer personal loan lender that offers unsecured personal loans from $2,000 to $40,000 with a minimum credit score of 640. You can check if
Read morePersonal loan rates vary. The most important factor is your credit score. Use Bills.com Personal Loan Rate table to find and compare offers. Also, check the APR
Read morePersonal Loan for APR Calculator
Use the Bills.com APR Calculator to determine the annual percentage rate for your personal loan. When you shop for a personal loan check the nominal
Read morePersonal Loans can help you consolidate debt, pay for emergencies, or larger purchases. Use Bills.com online tool to compare offers and shop for...
Read moreAccording to Transunion Q4 Insight Report personal loan balances and originations increased in 2017. They expect that the personal loan market will continue...
Read moreNeed Personal Loan | If you are struggling to pay bills, then personal loans are not usually a good alternative. Create a budget and seek debt relief...
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