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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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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

Travel

Your Wallet on Vacation

EPF August 16, 2018

There are two types of people: those who pack their things two days before going on vacation and those who do it two hours before leaving their home. However, all of us have things that we always carry in our...

Credit Cards

Debit vs Credit Cards: The differences and benefits of using credit cards responsibly

EPF August 15, 2018

Debit and credit cards are very similar looking. Both have a logo of a major credit card network like Visa or Mastercard, and both permit the purchase of goods or services. However, there are quite a few differences that may...

Save Money Travel

Travel Hacks that Will Save You Money

EPF August 15, 2018

Many people think that traveling means you have to spend thousands of dollars on a single trip, sunbathe at exclusive beach resorts or stay in five-star hotels. But this is not true. At least not for everyone. Your travel...

Credit Card Reviews

Wells Fargo Propel American Express® Card Review

EPF August 14, 2018

Are you looking for a card that can give you valuable travel rewards and cash back? Maybe the Wells Fargo Propel American Express Card is the right choice for you. Here are its main features: 30,000 bonus points when you...

The Best Travel Reward Credit Card Offers in 2016

Save Money Travel

How to Save Money While Traveling

EPF August 13, 2018

Is there anyone on this planet who doesn’t like to travel? Travel gives you the priceless experience that you would never get if you stayed only in one place. It helps you gain and nurture unique qualities that you wouldn’t...

Credit Report Loans

What Is the Impact of Personal Loans on Your Credit Score?

EPF August 9, 2018

From time to time, everyone needs a financial infusion. Getting a personal loan is a good way to get quick cash for various purposes. An unsecured personal loan can help you accomplish some of your financial goals without placing collateral...

Credit Cards

The Do’s and Dont’s of Carrying a Balance on a Credit Card

EPF July 23, 2018

When it comes to paying our credit card bills each month, we all have different habits – some of us always pay our full balance before interest gets charged, and some of us carry a balance onto the next month....

College Students Credit Cards

Should I Get a Credit Card in a College?

EPF July 23, 2018

So, you’ve finally crossed the 18-year threshold into adulthood and you’re working toward completing a college degree. At long last, you can now legally get your very first credit card – but is it wise to make this decision while...

Credit Cards

Credit Card Mistakes to Avoid so You Can Save More Money

EPF July 21, 2018

Many people always make mistakes on how they use their credit cards. And lose money. Here are few ways you can use to save money. Paying after your monthly due date Making your credit card payment late has more than...

Debt

Is Debt Consolidation Right for Me?

EPF July 15, 2018

For those of us with that owe money to multiple sources, like more than one high-interest credit card, debt consolidation is a way to better organize your monthly bills – and potentially get a lower combined interest rate. It’s one...