Welcome to

ElitePersonalFinance

Millions of People Come Here for Financial Advice.

Our Expertly Written Guides Can Help You Make
Smart Financial Decisions and Save a Lot of Money Now.

Our experts review millions of financial products and pick the best ones for you. We help you find the best credit cards, loans, identity theft protection companies and much more.

Browse by Categories

Find personal finance topics which are the most relevant for you. With more than a decade of experience, we’ve got everything you need in one place.

Learn Everything About Your Credit Score

Learn how to get a free credit report
Learn where to find the best credit monitoring and identity theft protection services (some of them are totally free)
Learn how to always improve your credit score
Learn the biggest mistakes that lower your credit score

LEARN MORE

30 Ways to Increase Credit Score in 2018

Understand How Credit Report Works

Understand FICO Scores

How to Get a Totally Free FICO Score

How to Read Your Credit Report

Best Credit Report Sites for 2018

LEARN MORE ABOUT CREDIT REPORT

Credit Card

Credit Report

Find the Best Credit Card for You

Did you know that Americans lose millions of dollars every day due to bad credit card deals?

Picking the right credit card can help you save a lot of money.

LET US HELP

Find Your Best Credit Card by Category

Huge Signup Bonuses (Up To $500)

Best Credit Cards for Bad Credit

Best Credit Cards for Fair Credit

Rewards

Travel

Cashback

Loans

Credit Report

Compare the Best Loans

Whether you have good, bad or fair credit, you can get personal loans if you look in the right place.

Elite Personal Finance lists the best lenders for 2018. But first, let us give you the most important information you need to know before applying for a loan.

LET US HELP

Find Your Best Credit Card by Category

Shop Around

Comparing loans from multiple lenders can help you find which loan is the best for you. Even the top financial experts can't say with certainty what exact loans are the best for you. Review all of your options before getting the loan.

Avoid Loan Scams

There are a lot of scam loan companies. Also, there are loans that are technically not scams, but we still recommend you to avoid them. These are loans with high APR like payday and auto title loans. Read our guide on finding legit loans.

Wait for Offers and Apply for the Best

After applying for legit loans, you need to pick the best offers.

Best Personal Loans by Category

Based on your needs, our team of experts has prepared the best loan for each category.

Best Personal Loans for Bad Credit

Best Personal Loans for Fair Credit

Best Personal Loans for No Credit

Best Personal Loans Tips from EPF

The loan market is becoming more and more flexible, so even people with bad credit can get a personal loan.

Avoid predatory loans like payday and auto title loans. Now people have a much better chance to get a personal loan than a few years ago.

Always work on your credit score to get a better APR on your loans and save more money.

Blog

Latest Blog Posts

College Students

Should I Refinance My Student Loan So I Can Pay A lower Interest Rate?

EPF May 25, 2019

Readers often ask us: how do I lower my student loan interest rate? Well, the answer isn’t as simple as it seems. See, if you decide refinance your public student loan, you replace it with a private student loan. And...

Loans

Cheap Payday Loans Alternatives For Bad Credit 2019

EPF May 21, 2019

Have you been searching for cheap payday loans? If so, don’t waste your time! We’ve done the research and the truth is – they don’t exist. After analyzing hundreds of lending products, we know that payday loans are the most...

Credit Cards

Is My Credit Card Issuer Charging Hidden Foreign Transaction Fees?

EPF May 18, 2019

Whether you’re surfing the beach of your favorite tropical locale or you’re surfing the web from the comfort of your own home, credit card issuers – like Bank of America, Chase Bank or Citi Bank – can charge you foreign...

Loan Reviews

CashUSA Review – Trusted Secured Personal Loans for Bad Credit

EPF May 16, 2019

When you have bad credit, it can feel like your options to get a loan are limited. CashUSA can help. CashUSA offers a variety of secured loan options to those with bad credit. By putting up collateral, lenders are more...

Loans

What Is Loan Insurance?

EPF May 15, 2019

Offering peace of mind if you lose your job of find yourself physically unable to work, loan insurance protects against default by ensuring monthly payments on your mortgage, personal loan or credit card debt stays current. If we take homeownership...

College Students

Should I Use An Income-Driven Plan To Repay My Student Loan?

EPF May 14, 2019

Structuring your federal student loan repayments as a percentage of your income is a great way to stay on top of your debt and ensure outflows stay within your budget. To choose a repayment plan that’s right for you, check...

Financial News

Federal Student Loan Interest Rates Set To Decrease For The First Time in Three Years

EPF May 12, 2019

As the yield on the 10-year U.S. Treasury continues its path downward, Federal student loan interest rates are following right along. To calculate its Federal Student loan interest rates, the U.S. Department of Education takes the 10-year yield as its...

Credit Freeze vs Fraud Alert vs Monitoring

Financial News

A Credit Report Freeze Will Prevent You From Registering For Medicare Online

EPF May 11, 2019

As a way to combat identity theft and increase security protocols, consumers often use credit freezes to keep outsiders from accessing their credit reports. When you contact one of the three major U.S. credit bureaus – Experian, TransUnion or Equifax...

Loans

Best Apps That Loan You Money Instantly 2019

EPF May 10, 2019

As Fintech firms look to disrupt the traditional lending space, personal loan and cash advance apps are right at the top of their list. Whether its debt consolidation or emergency expenses, lending apps give you the ability to apply for...

Financial News

Latest News in Personal Finance May 2019

EPF May 4, 2019

In the last few weeks, there have been several major announcements in the world of personal finance. We consolidated the most important ones to help keep you up-to-date. Earn Up To 4% Interest With a T-Mobile MONEY No Fee...

Trusted Companies