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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

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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.

Blog

Latest Blog Posts

Scholarship

5 Tips After The Federal Government Shutdown

EPF January 22, 2019

The Government shutdown has affected about 800,000 federal employees and thousands of contractors. Some are due to work without the direct pay, some given temporary leave (not paid for), and others have not yet received payment since the shutdown began....

Financial News

Natty Light Donation of $10 Million Towards Students Loan Debt

EPF January 18, 2019

College education has helped millions of learners to become more prosperous, have higher lifetime earnings, have the power to change the world, and have a better quality of life. Though, getting this education may be a tough journey especially to...

Scholarship

The Financial Impact of the Government Shutdown

EPF January 16, 2019

A financial impact is growing drastically due to a disaster that is beyond control on government institutions. This follows significant effects already flowing through the economy thus causing financial problems for millions of people who rely on the government as...

Financial News

Why US Banks Will Cut Back on Rewards as a New Way to Protect Against Fraud in 2019

EPF January 15, 2019

It’s essential for every bank to ensure that the integrity of the institution is protected at all cost. They can do this by defending the financial assets that it has. This safeguarding can be done by addressing the latest concern...

Save Money

A Mindful Financial Diet Plan After Holiday

EPF January 10, 2019

Holidays go hand to hand with spending pointlessly on luxuries, festivals, parties, and excessive shopping. These spending may leave you penniless as people fail to manage their pockets wisely. However, majority try to drop the habit to no avail, thus...

Smart Money Moves for 2019

EPF January 9, 2019

Do you know your investment can grow drastically this 2019? It depends on your focus and determination. Remember, to be successful financially, you have to think like an investor. Most of the renowned investors in the world today, work consistently...

Debt

How to Motivate Yourself to Get Our of Debt in 2019

EPF January 9, 2019

The debt-free journey can be a long and challenging process where the majorities spend a couple of years to pay off their debts. In fact, the mission has ups and downs especially to those with large balances or low income....

Credit Report

Ways Your High Credit Score Affects Your Finances

EPF January 3, 2019

Among the several things that affect your financial health, credit score has a great significance. This is because; lenders use it to determine your economic welfare ranging from whether you qualify for loans, interest rates, to credit cards rewards. However,...

Credit Report

Main Factors That Lenders Use to Determine Your Loan

EPF December 23, 2018

When applying for a loan, lenders have to determine the ability and the solvency of their clients. The question might be hard since every individual determines the worthiness differently. Lenders may reject the client’s offer, while others might accept but...

Credit Report

Ways to Boost Your Credit Score Over the Holiday Season

EPF December 22, 2018

Do you know the importance of your credit score? Would you like to see how the holiday season adds value to your credit score? Do not worry, since this content will provide a step by step guide on how festive...