Welcome to

ElitePersonalFinance

Millions of People Come Here for Financial Advice.

Our Expertly Written Guides Can Help You Make
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.

Browse by Categories

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

LEARN MORE

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.

LET US HELP

Find Your Best Credit Card by Category

Huge Signup Bonuses (Up To $500)

Best Credit Cards for Bad Credit

Best Credit Cards for Fair Credit

Rewards

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.

LET US HELP

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

Studies

Average Insurance Cost : Car, Home, Renters, Health 2019

EPF December 10, 2018

Property insurance can offer both financial protection and peace of mind in case of damages. We researched hundreds of insurance companies in the USA that covers health, home, renters, pet and car insurances and sampled the below data based on...

Loans

Best Short Term Loans for Bad Credit are NOT Payday Loans!

EPF December 7, 2018

When people look for short-term loans, and especially if they have a bad credit score, they often end up with payday loans. The reason why is how payday loans (which are the worst kind if you ask us) promote their...

Loans

Best Short Term Loans 2019

EPF December 7, 2018

Short term loans are smaller amounts of money people borrow and usually need to repay fast, in a few months or even weeks. For that reason, they can be quite tricky, as people tend to take them when they find...

Studies

Average Student Loan Debt in America 2019

EPF December 7, 2018

A student loan is another debt that has overburdened the economic status of America. This is because the debt has ballooned with over 300% since 2004, as the new students enrol and the older ones graduate from universities and colleges....

Studies

Average Credit Score in America 2019

EPF December 6, 2018

A credit score is a rating used in the classification of a borrower where the higher the credit score, the better the borrowers’ condition. A credit score comprises of the payment history (35%), amount of debt and credit available (30...

Studies

Average Credit Card Debt in America 2019

EPF December 5, 2018

The average credit card debt is an estimate of consumer debt that every citizen is supposed to settle on a monthly basis. According to the recent report released by the board of the governors of the Federal Reserve System, consumer...

Loans

Best Personal Holiday Loans for Good and Bad Credit 2019

EPF December 4, 2018

People looking for holiday loans are an easy target for predatory payday lenders. 'Holiday loans' simply means nothing! It’s only a blatant advertisement that lenders use to attract more customers. We at ElitePersonalFinance have reviewed many similar sites and found...

Credit Report

UltraFICO Score 2019 Hacks That Will Boost Your Credit

EPF December 3, 2018

UltraFICO Score 2019 is a new saving-oriented scoring model that will benefit millions of Americans who always love to have some money on their hands. Before, it was about the money that you have in your saving accounts. Now it's...

Scams

How to Avoid Scams When Shopping Online These Holidays?

EPF November 30, 2018

The majority of businesses have higher productivity during the holiday seasons. It's because we all love holidays and the goods that come with it. Reputable companies’ take advantage of it as a significant percentage of the individuals utilizes the holiday...

Identity Theft

The Ultimate Guide of Online Dating Safety – Tips on How to Protect Yourself?

EPF November 28, 2018

With people turning to the Internet to find everything they need, it’s no surprise that 8% of adult Americans meet their match through online dating websites. If that’s the case, currently millions of Americans have already found the love of...