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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

College Students

Ways of Paying Your Student Loans Faster In 2019

EPF March 19, 2019

Graduating from college is often a thrilling moment in the life of a graduate. A new start in the next level is a fantastic feeling- getting a new job and starting a life of their own. After getting into the...

College Students

Expected Bold Student Loan Reforms In 2019

EPF March 16, 2019

With the American presidential elections almost here and more than before, there’s one topic that will top headlines-student loan debt. The debt currently stands at more than $1.5 trillion, and without doubt, it will be among top issues of discussion...

Make Money

You Can Invest Your Tax Refund Instead of Spending It, Here’s How

EPF March 7, 2019

It’s a time of the year where Millions of Americans have started getting their tax refund checks. Just like it will have similar effects on you, these refunds are proving too hot to stay in everyone’s pockets. Bookings for vacations...

College Students

Default On Student Loans

EPF March 1, 2019

Student loans are beneficent in advancing educational investment. But unemployment, debts, the high cost of living and health, life may seem to be harsh and devastating. Because of the highly conflicting priorities, student loans are the first to be forgone...

Studies

Average Savings Account Interest Rates 2019

EPF February 21, 2019

View All Studies [toc] Looking for the best place to invest your money? With so many products and options available, savers are often left spinning trying to figure out which one is right for them. But don’t...

College Students

You’re Cut Out for Paying Off Student Loan?

EPF February 21, 2019

Paying off student loan debt is like a foray beyond the north wall; venturing into the territory of the wildlings where an evil eye gazes at you, where the danger can strike from all four corners. Err.... for those who...

Identity Theft

IRS Tax Fraud and ID Theft

EPF February 19, 2019

How does Tax Identity Theft Fraud Occur? In modern society, crime is part and parcel of daily trends. Many individuals and companies have lost a fortune, in cybersecurity crimes. Tax identity theft is a rampant activity today. It's almost...

Identity Theft

Identity Theft and Scam Trends in 2019

EPF February 15, 2019

In the years 2017 and 2018, the U.S. citizens experienced plenty of serious data breaches which traumatized a large chunk of the population. According to the Identity Theft Resource Center, 1,632 cases of data breaches were reported in the United...

Scams

Tips to Help You Stay Away from Tax Scams in 2019

EPF February 14, 2019

Towards late December 2018, a few days before the Government shutdown, there was an alert issued by IRS for employers regarding the potential for identity theft and tax scams. Both businesses and individuals are at risk of having their identities...

Credit Cards

5 Ways in Which You Can Use Credit Cards to Make Incredible Rewards While Running A Business

EPF February 8, 2019

There are many ways to get great cash-rewards cards in your business. However, it can be hard to get the most out of your business credit card rewards. If only you manage those rewards carefully, you put yourself in a...