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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.

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

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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

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...

Financial News

Customized Cashback Could be the Best Thing to Happen to Millennials’ Credit Cards in 2019

EPF February 7, 2019

Having modified cash back is imperative especially to those who have credit cards. Do you know that you can maintain your card as well as reward yourself by using credit cards? Nowadays it’s possible. One can get rewarded after cash...

Loans

Pros and Cons of Private Student Loans

EPF February 6, 2019

Education is crucial to all and occasionally used by society to determine people’s livelihood. That’s why you find the majority running for student loans to facilitate their learning. Applying for students loan to help your education process is encouraged; usually,...

Studies

Ways In Which America’s Overspending Custom is Affecting the Credit Card Debt

EPF February 1, 2019

These two, overspending and credit card debts are hard to separate, from the findings in our January 2019 survey, up to 70% of people who took interviewed overspent by not less than $100 each month. Slightly more than 50% also...

Save Money

Mindless Ways in Which People Waste Money and How to Avoid Them in 2019

EPF January 30, 2019

Living without money is hard. And the same is said for saving. Even though some spending habits are apparent, you still find one or two ways of wasting the resources. Do you know that your money spending habits can leave...

Studies

Average Credit Card Interest Rates (APR) 2019

EPF January 30, 2019

Elite Personal Finance team conducted a study to determine the average credit card interest rates among different card types. From our findings we created a study below to help you understand the typical interest rates for the card, this guide shall...

Debt

Top 9 Tips to Buying a Home Despite Having a Student Loan Debt

EPF January 26, 2019

Every American want’s to buy a house. However, it may be a hurdle for those with outstanding student loan debt. However 83% of those having student loan debt count it among the factors making it hard for them to acquire...