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ElitePersonalFinance

Millions of People Come Here for Financial Advice.

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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.

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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

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.

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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

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.

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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.

Blog

Latest Blog Posts

Insurance

Life Insurance As A Tool For Retirement Planning

EPF July 17, 2019

When it’s time to leave the workforce behind, many retirees worry about not having enough income to sustain their lifestyle. Enter life insurance. As an effective retirement planning tool, life insurance can provide a financial cushion when you and your...

Insurance

Mistakes To Avoid When Purchasing A Life Insurance Policy

EPF July 16, 2019

If you’re considering a life insurance policy, take your time, and don’t dive into the water head first. Many insurance agents try and sell you on the benefits of ‘complete coverage,’ but these plans are usually the most expensive and...

The Best Travel Reward Credit Card Offers in 2016

Financial News

Should I Purchase A Flight With Cash Or Miles?

EPF July 14, 2019

When travelling abroad or across the United States, you usually have the option to buy your ticket with cash or miles. However, a study by Bankrate.com found that 31% of card holders don’t end up redeeming their flight rewards. Surprising,...

Loans Local

Best Loans in California, Payday, Auto Title Laws 2019

EPF July 12, 2019

View All Studies [toc] In the Golden State, non-bank lenders made $347.2 billion in loans in 2017. Nearly 50% ranged between $2,500 and $10,000 and carried an APR of 100% or more. Focus on that $2,500 figure. The California Finance...

Answers

How To Control Of Your Finances

EPF July 11, 2019

Getting your finances in order can seem like a daunting task. Budgeting. Saving. Investing. Most people would rather go to the dentist than come up with a financial plan! But, by peeling back the layers and taking a cold hard...

Answers

Few Questions To Ask Before Searching For Your First Home

EPF July 9, 2019

When looking for your first home, the search can be a stressful endeavour. With so many homes on the market, it’s hard to figure out which one is right for you, and more importantly, which one you can afford. But,...

Financial News

How The Apple Card Is Revolutionizing The Credit Card Market

EPF July 7, 2019

When Apple first announced it was launching its very own credit card, loyalists and skeptics took notice. Designed with simplicity, transparency and privacy in mind, the credit card was meant to help consumers lead a healthier financial lifestyle. And with...

Loans

Best Installment Payday Loan Alternatives for Bad Credit 2019

EPF July 5, 2019

If you’re considering an installment payday loan, don’t waste your time! They’re extremely expensive and come with average APRs of 400%. Moreover, if you fall behind on your payments, you run the risk of falling into a vicious debt cycle.Remember,...

Credit Report

How To Maintain Your Credit During A Divorce

EPF July 4, 2019

When you go through a divorce, it’s tough on everyone. And the last thing on your mind is how it will affect your credit. But, the decisions you make – before and after a divorce – will play a crucial...

Financial News

Latest News In Personal Finance July 2019

EPF July 2, 2019

Over the last few weeks, new developments have occurred in the world of personal finance. We consolidated the most important ones to help keep you up-to-date. Citibank Is Eliminating Several Of Its Credit Card Perks We’ll start with Citibank’s Price...

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