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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.

Credit Report
Credit Report

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

30 Ways to Increase Credit Score in 2018

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Understand How Credit Report Works

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Understand FICO Scores

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How to Get a Totally Free FICO Score

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How to Read Your Credit Report

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Best Credit Report Sites for 2018

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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.


Find Your Best Credit Card by Category

Huge Signup Bonuses (Up To $500)

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Best Credit Cards for Bad Credit

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Best Credit Cards for Fair Credit

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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.


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

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Best Personal Loans for Fair Credit

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Best Personal Loans for No Credit

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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.


Latest Blog Posts

Credit Cards

Is My Credit Card Issuer Charging Hidden Foreign Transaction Fees?

EPF May 18, 2019

Whether you’re surfing the beach of your favorite tropical locale or you’re surfing the web from the comfort of your own home, credit card issuers – like Bank of America, Chase Bank or Citi Bank – can charge you foreign...

Loan Reviews

CashUSA Review – Trusted Secured Personal Loans for Bad Credit

EPF May 16, 2019

When you have bad credit, it can feel like your options to get a loan are limited. CashUSA can help. CashUSA offers a variety of secured loan options to those with bad credit. By putting up collateral, lenders are more...


What Is Loan Insurance?

EPF May 15, 2019

Offering peace of mind if you lose your job of find yourself physically unable to work, loan insurance protects against default by ensuring monthly payments on your mortgage, personal loan or credit card debt stays current. If we take homeownership...

College Students

Should I Use An Income-Driven Plan To Repay My Student Loan?

EPF May 14, 2019

Structuring your federal student loan repayments as a percentage of your income is a great way to stay on top of your debt and ensure outflows stay within your budget. To choose a repayment plan that’s right for you, check...

Financial News

Federal Student Loan Interest Rates Set To Decrease For The First Time in Three Years

EPF May 12, 2019

As the yield on the 10-year U.S. Treasury continues its path downward, Federal student loan interest rates are following right along. To calculate its Federal Student loan interest rates, the U.S. Department of Education takes the 10-year yield as its...

Credit Freeze vs Fraud Alert vs Monitoring
Financial News

A Credit Report Freeze Will Prevent You From Registering For Medicare Online

EPF May 11, 2019

As a way to combat identity theft and increase security protocols, consumers often use credit freezes to keep outsiders from accessing their credit reports. When you contact one of the three major U.S. credit bureaus – Experian, TransUnion or Equifax...


Best Apps That Loan You Money Instantly 2019

EPF May 10, 2019

As Fintech firms look to disrupt the traditional lending space, personal loan and cash advance apps are right at the top of their list. Whether its debt consolidation or emergency expenses, lending apps give you the ability to apply for...

Financial News

Latest News in Personal Finance May 2019

EPF May 4, 2019

In the last few weeks, there have been several major announcements in the world of personal finance. We consolidated the most important ones to help keep you up-to-date.   Earn Up To 4% Interest With a T-Mobile MONEY No Fee...

Financial News

Ohio’s New Payday Loan Legislation Are Here

EPF May 3, 2019

The Fairness in Lending Act – signed into state law by former Ohio Governor John Kasich – is estimated to save borrowers upwards of 75 million in interest and fees per year. Designed to help vulnerable borrowers avoid predatory debt...

Financial News

Critics and Advocates Debate Federal Payday Loan Policy

EPF May 2, 2019

As a subcommittee of the U.S. House Financial Services Committee, the Consumer Protections and Financial Institutions Committee met Tuesday in Washington to discuss the CFPB’s decision to rescind 2017 regulations that were designed to eliminate debt traps caused by payday...

Trusted Companies

ElitePersonalFinance reviews and compares only the best financial products from the top companies.