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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

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.

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Find Your Best Credit Card by Category

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Best Credit Cards for Bad Credit

Best Credit Cards for Fair Credit

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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.

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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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Studies

Average U.S. Mortgage Rates 2019

EPF April 22, 2019

View All Studies [toc] As we move closer toward the first half of 2019, average U.S. mortgage rates continue to sit near historic lows. While the average 30-year FRM and the average 15-year FRM displayed a slight uptick over the...

Studies

Best High-Yield Savings Accounts Online 2019

EPF April 19, 2019

View All Studies [toc] With interest rates currently stuck in neutral, the search for yield among investors has become even more difficult. And while capital market participants have to endure increased volatility to earn a higher return, we have a...

College Students

Changes that are Likely to Occur to Federal Student Loan Legislation in 2019

EPF April 18, 2019

Both the current administration and Congress are weighing options on outcome of changes on the student loans. Private companies will have more control over the new changes. The changes will also affect how the repayment of loans and pardons will...

Loan Reviews

Best Unsecured Personal Loans for Bad Credit 2019

EPF April 9, 2019

When burdened with bad credit, it can feel like viable lending options are few and far between. Payday loans? Car title loans? Secured personal loans? Pretty much your only options, right? Well, we’re here to tell you there are alternatives....

Credit Report

Credit Report Changes in 2019

EPF April 6, 2019

With 2019 already in full-swing, changes to credit reporting are starting to take effect. Experian and the Fair Isaac Corporation (FICO) – two of the most trusted credit score providers – recently added new metrics to help analyze the...

Loans

Unique Factors Assessed by Lenders to Determine Credit Risk

EPF April 5, 2019

Ever hear of the Five C’s of Credit? Character. Capacity. Capital. Collateral. Conditions. These metrics analyze things like your credit score, debt-to-income ratio (DTI) and asset-base – which in the eyes of lenders, gauge your ability to repay the loan....

Credit Report

Best Ways in Which You Can Find Your Credit Score Recovery

EPF April 4, 2019

You need to continually check your credit reports from the three agencies – Experian, TransUnion, and Equifax – so that you are aware of the reason for the drop in your credit score. You can access information from these three...

Loans

How to Avoid Hidden Payday Loan Fees

EPF April 4, 2019

When bills are piling up, it can feel like a struggle just to stay above water. The stress. The worry. Where can you turn? When choosing a path that’s right for you, we strongly recommend you avoid payday loans. While...

How the Retired Can Steer of Tax Scams

EPF April 3, 2019

In the US, fraudulent calls are not in tax seasons. On the Tax Day of 2018, for instance, there were 143 million instances of negative robocalls, that is according to Transaction Network Services. Each passing year, as the April which...

Loans

Best Car Title Loan Alternatives for Bad Credit 2019

EPF April 3, 2019

We’ve all been there before. Whether it’s an unexpected crisis, or finding the means to pay next week’s rent – when you have bad credit – it can feel like a car title loan is your only option. At ElitePersonalFinance,...