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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.

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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

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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

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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.

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Best Credit Cards for Bad Credit

Best Credit Cards for Fair Credit

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Loans

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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.

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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.

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How to Avoid Overspending This Festive Season

EPF December 17, 2018

Do you have any plan this festive holiday? Do you know that buying gifts, food, decorations among other luxuries can leave you destitute? Would you like to spend this festive season without racking up debt? Do not worry since this...

Save Money

Ways to Lower Your Moving Budget 2019

EPF December 17, 2018

Movements are made both locally and internationally. However, finding a home in your dream neighborhood is one thing, and the moving process is another one. One should be cautious while planning on the relocation process since it can be tedious...

Save Money

Smart Ways of Settling Your Holiday Debts 2019

EPF December 15, 2018

Enjoying a holiday season is one thing, but repaying for it is a different experience. Did you overspend this holiday season? Are you wondering on how to free yourself from the huge debts? Do not worry since the outstanding credit...

Studies

Average Insurance Cost : Car, Home, Renters, Health 2019

EPF December 10, 2018

Property insurance can offer both financial protection and peace of mind in case of damages. We researched hundreds of insurance companies in the USA that covers health, home, renters, pet and car insurances and sampled the below data based on...

Loans

Best Short Term Loans for Bad Credit are NOT Payday Loans!

EPF December 7, 2018

When people look for short-term loans, and especially if they have a bad credit score, they often end up with payday loans. The reason why is how payday loans (which are the worst kind if you ask us) promote their...

Loans

Best Short Term Loans 2019

EPF December 7, 2018

Short term loans are smaller amounts of money people borrow and usually need to repay fast, in a few months or even weeks. For that reason, they can be quite tricky, as people tend to take them when they find...

Studies

Average Student Loan Debt in America 2019

EPF December 7, 2018

A student loan is another debt that has overburdened the economic status of America. This is because the debt has ballooned with over 300% since 2004, as the new students enrol and the older ones graduate from universities and colleges....

Studies

Average Credit Score in America 2019

EPF December 6, 2018

Let's start with the big news! Finally, the average credit score is over 700! Yes! The average credit score in America, 2019 is 704, according to the official issuer - MyFICO! Elite Personal Finance conducted a study on the average...

Studies

Average Credit Card Debt in America 2019

EPF December 5, 2018

Elite Personal Finance conducted a study on the average credit card debt in America in 2019. We have analyzed the data from the U.S. Census Bureau, the Federal Reserve and other official sources in depth, which resulted in a detailed and advanced...

Loans

Best Personal Holiday Loans for Good and Bad Credit 2019

EPF December 4, 2018

People looking for holiday loans are an easy target for predatory payday lenders. 'Holiday loans' simply means nothing! It’s only a blatant advertisement that lenders use to attract more customers. We at ElitePersonalFinance have reviewed many similar sites and found...