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ElitePersonalFinance

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

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.

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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

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.

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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

Financial News

TEPSLF Denies 99% Of Borrowers Who Apply For Student Loan Forgiveness

EPF September 15, 2019

According to a study by the U.S. Government Accountability Office, the Temporary Expanded Public Student Loan Forgiveness (TEPSLF) program approved 1% of applications in 2018 – denying 99% of borrowers who applied for student loan forgiveness. In total, 54,184 applications...

Credit Report

How To Avoid Ruining Your Credit During A Natural Disaster

EPF September 13, 2019

When a natural disaster strikes – like what we just witnessed with Hurricane Dorian – you’re often burdened with several unplanned expenses. And depending on the extent of the storm, the financial and emotional stress can cause you to forget...

Financial News

More Than 27 Million US Residents Lacked Health Insurance Coverage In 2018

EPF September 11, 2019

The U.S. Census Bureau released its 2018 income, poverty and health insurance coverage reports on September 10, 2019. Researchers found that nearly 27.5 million U.S. residents lacked health insurance coverage in 2018 – up 1.9 million from the 25.6 million...

Financial News

Generation Z And Millennial Debt-Holders Continues To Rise

EPF September 8, 2019

According to a recent study by TransUnion, Generation Z debt-holders – adults born after 1995 – saw a significant year-over-year increase in the second-quarter of 2019. The data shows nearly 14 million Gen Z borrowers carry some form of debt,...

Loans By State

Best Personal Loans In Illinois, Bad Credit Loans, Payday, Auto Title Laws 2019

EPF September 7, 2019

View All Studies [toc] For installment loans of $4,001 to $40,000, Illinois’ Consumer Installment Loan Act requires licensed lenders to cap APRs at 36%. Terms are capped at 181 months and loans must be fully amortizing – repayable over weekly,...

Financial News

US Credit Card Interest Rates Reach Highest Mark In 25 Years

EPF September 4, 2019

Even as the U.S. Federal Reserve ponders more interest rates cuts, the savings are not being seen by credit cards borrowers. Federal Reserve data – as of May 2019 – shows the average credit card interest rate for accounts assessed...

Loans By State

Best Personal Loans In Idaho, Bad Credit Loans, Payday Loan Laws 2019

EPF September 1, 2019

View All Studies [toc] According to the Idaho Credit Code, APRs for installment loans are negotiable and finalized rates are determined by the borrower and the lender. The state does not impose APR-caps and finance charges are left to the...

Studies

Average Life Insurance Cost 2019

EPF August 24, 2019

When purchasing life insurance, a variety of factors are used to determine your monthly premium: your age, your height-to-weight ratio, whether or not you smoke and your history of family illness. See, it’s all about risk. The higher your mortality...

Credit Cards

3 Credit Card Mistakes To Avoid

EPF August 23, 2019

With American credit card debt continuing to rise – surpassing the highs we saw during the 2008 financial crisis – more citizens are relying on debt to finance their lifestyle. Moreover, data from the Consumer Financial Protection Bureau (CFPB) implies...

Loans By State

Best Personal Loans Good and Bad Credit Hawaii, Payday Laws 2019

EPF August 20, 2019

View All Studies [toc] Citing Article 9 of Hawaii’s Code of Financial Institutions, licensed lenders are required to cap consumer loans at $25,000. For precomputed loans, interest rates are capped at 14% per year for the first 18 months, 10.5%...

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