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Millions of People Come Here for Financial Advice.

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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.

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Loans

Ways for You to Start Paying Back Your Student Loans

EPF November 18, 2019

For them that have graduated from college recently, the nearing month of December comes with some harsh reality. The federal student loans, which account for a significant percentage of student debt, have about six-months of rest period following graduation. After...

Loans By State

Best Personal Loans In Ohio, Payday, Auto Title Laws 2019

EPF November 14, 2019

Chapter 4712 of the Ohio Credit Services Organization Act mandates a $5,000 minimum for installment loans issued within the state. APRs cannot exceed 28% and licensed lenders must offer repayment terms of more than one year. Specifically, the act states:...

Loans By State

Best Loans In North Dakota, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] North Dakota does not regulate traditional installment loans. However, its Money Brokers Act requires licensed lenders to cap loans at $1,000 and terms at 24 ½ months. APRs are capped at: 2 ½% per month on...

Loans By State

Best Loans In North Carolina, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] Article 15 of North Carolina’s Consumer Finance Act requires licensed lenders to cap installment loans at $15,000. The minimum loan term is 12 months, while the maximum loan term is 96 months. Licensed lenders can levy...

Loans By State

Best Loans In New York, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] Article 9 of New York’s Licensed Lenders Law limits personal installment loans to $25,000. Finance charges are set by Title 5 of New York’s General Obligations Law, which caps installment loan APRs at 6%. Licensed lenders...

Loans By State

Best Loans In New Mexico, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] New Mexico’s Small Loan Act prohibits licensed lenders from offering loans in excess of $5,000. APRs are capped at 175%, while terms require a minimum of 120 days and must allow the borrower to repay the...

Loans By State

Best Loans In New Jersey, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] According to Title 17 of New Jersey’s Financial Code, installment loan APRs are determined by the lender and the borrower. Finance charges are not regulated, however, loan amounts cannot exceed $50,000. Terms are regulated by the...

Loans By State

Best Loans In Nebraska, Payday, Auto Title Laws 2019

EPF November 5, 2019

View All Studies [toc] Nebraska’s Installment Loan Act requires licensed lenders to cap APRs at 24% for loans of $1,000 or less and 21% on any excess balance. Terms are capped (excluding loans secured by mobile homes) at 145 months...

Loans By State

Best Loans In Nevada, Payday, Auto Title Laws 2019

EPF November 5, 2019

View All Studies [toc] Unlike many other U.S. jurisdictions, Nevada’s Installment Loan Act allows lenders and borrowers to determine their credit terms. There are no maximum loan limits or finance charges and indefinite terms can be negotiated. However, licensed lenders...

Loans By State

Best Loans In New Hampshire, Payday, Auto Title Laws 2019

EPF November 5, 2019

View All Studies [toc] New Hampshire’s Small Loan Statute requires licensed lenders to cap installment loans at $10,000. APRs are capped at 36% and include allowable annual charges – of $100 – for application and membership fees. Delinquency charges –...

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