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.

Personal 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.

OneMain Financial September 2026 Review

Compare OneMain Financial personal loans: $1,500 to $30,000, APRs up to 35.99%, origination fees up to 10%. See rates, fees, funding speed, and ratings.

Best EggPersonal Loan Review September 2026

Best Egg personal loans have a wide range of options and a soft-pull prequalification to check your rate. See pros, cons, and how Best Egg compares.

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.

Chase Personal Loan Alternatives September 2026

Chase doesn't offer traditional personal loans. See how My Chase Loan works and how alternatives like Wells Fargo, U.S. Bank, and SoFi compare.

PNC Bank Personal Loan September 2026 Review

PNC Bank personal loans charge no origination fee but skip prequalification, and rates could run up to 26.94% APR. See if it's the right fit before you apply.

What 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.

Rocket Personal Loans Review September 2026

Rocket Loans offers personal loans from $2,000 to $75,000 with same-day funding and competitive APRs, but the origination fee may be high. Read our full review.

No 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.

Home 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.

Happen Bank (Previously LendingClub) Personal Loan Review September 2026

LendingClub (now Happen Bank) offers loans up to $75,000 with fast funding and joint applications. See rates, fees, and if it could be right for you.

Navy Federal Personal Loan Review September 2026

Compare Navy Federal personal loans: fixed APRs from 8.74% (up to 18%), $250 to $50,000, no origination fee. See if you’re eligible as a military member.

What 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.

Capital 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.

Upgrade Personal Loan September 2026 Review

Upgrade personal loans offer fast funding for fair-credit borrowers with a soft-credit check to see your potential rate. Learn more in our Upgrade review.

TD Bank Personal Loan September 2026 Review

TD Bank’s TD Fit Loan offers fixed rates up to 23.99% APR with no origination or prepayment fees. See our June 2026 review, rating, and alternatives.

Ally Personal Loan: September 2026 Review

Ally Bank doesn't offer personal loans. Here's why, what happened to Ally Lending, and where to find a personal loan instead.

Best Banks for Personal Loans

Not 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.

Personal 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.

Upstart Personal Loan September 2026 Review

Upstart personal loans range from $1,000 to $75,000 with APRs up to 35.99%. June 2026 review: rates, fees, eligibility, and who it suits best.

American Express Personal Loan Review September 2026

American Express personal loans offer competitive APRs, no origination fee, and funding in as fast as 1 day—but are available only to pre-approved cardholders.

Bank of America Personal Loan September 2026 Review

Bank of America doesn’t offer personal loans. See what it offers instead, including the Balance Assist small-dollar loan, plus better personal loan alternatives.

LightStream Personal Loan Review September 2026

LightStream by Truist offers quick, no-fee personal loans of up to $100,000, with competitive APRs for strong credit.

How 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.

Are 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.

SoFi Personal Loan Review September 2026

SoFi offers personal loans from $5,000 to $100,000 with no required fees. Read our review of rates, requirements, and who SoFi is best for.

Wells Fargo Personal Loan Review

Wells Fargo personal loans run $3,000 to $100,000 at 6.74% to 26.74% APR with no origination fee, but only for existing customers. Read our review.

What 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.

How 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.

Avant Loan Review September 2026

Avant offers personal loans from $2,000 to $35,000 for fair-credit borrowers, often by the next business day. APR runs up to 35.99%, fees up to 9.99%.

Best 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.

USAA Personal Loan September 2026 Review

USAA personal loans offer a wide range of loan sizes and terms for military members. Review rates, terms, eligibility, and how to apply.

How to Compare Personal Loans

Comparing personal loans? Learn what to look for—APR, fees, loan terms, and lender types—and how to pre-qualify without hurting your credit score.

Best Home Improvement Loan for September 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.

What 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.

Personal 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.

Using 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.

Do 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.

Achieve (formally FreedomPlus) Personal Loan September 2026 Review

Achieve (formally FreedomPlus) offers discounts on personal loans to help you save more when paying off your debts. Learn more here.

Personal Loan Calculator

Bills.com's Personal Loan Calculator lets you check various scenarios by changing the loan amount, interest rate, repayment period, and fees. Once you check...

Soft 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...

6 Personal Loan Mistakes

Avoid making simple personal loan mistakes that can cause you to get turned down, cost money, or unnecessarily expose you to financial harm. Protect yourself...

Discover Personal Loan September 2026 Review

Discover offers personal loans with no origination fee (rare). But not everyone can get a loan here. Learn more.

Prosper Loan September 2026 Review

Prosper can approve creditors with lower credit scores. Learn more here.

Happy Money (Formally Payoff) Personal Loan September 2026

Happy Money offers loans to help you pay off higher interest rate credit card debt. If you consolidate your credit card debt with a Happy Money Payoff loan...

NetCredit Personal Loan Review September 2026

You can apply for a NetCredit personal loan even if you don’t have a credit score. However, the loans have very high-interest rates. Learn if you can benefit from a...

Marcus Loan September 2026 Review

Although offering competitive rates, in early 2023, Goldman Sachs announced that Marcus is no longer accepting online applications for personal loans without an invitation code.

When Should You Consider a Wedding Loan?

Should 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...