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Smart Financial Decisions and Save a Lot of Money Now.

Our experts review the best financial products for you. We can help you find the best credit cards, loans, credit reports, and ect.

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Find personal finance topics that are the most relevant to you.

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 are totally free).
  • Learn how to improve your credit score.
  • Learn your biggest mistakes that lower your credit score.
LEARN MORE

30 Ways to Increase Credit Score in 2021

  • EPF

Understand How Credit Report Works

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Understand FICO Scores

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How to Get a Totally Free FICO Score in 2021

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How to Read Your Credit Report

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Best Credit Report Sites for 2021

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Credit Cards

Find the Best Credit Card for You

Americans lose millions 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

Huge Signup Bonuses (Up To $500)

  • EPF

Best Credit Cards for Bad Credit 2021

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Best Credit Cards for Fair Credit 2021

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Best Rewards Credit Cards 2021

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Best Travel Credit Cards 2021

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Best Cashback Credit Cards 2021

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Loans

Compare the Best Loans

Whether you have good or bad credit, you can get a personal loan.

ElitePersonalFinance lists the best lenders for 2021.

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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 tell you which exact loan is the best for you. Review all of your options before getting a loan.

Avoid Loan Scams

There are a lot of scam loan companies. Some loans are technically legit but very expensive. We still recommend that you avoid them. These are high-APR loans like payday and auto title loans. Read our guide on finding a cheaper loan even if you are with bad credit.

Wait for Offers and Apply for the Best

After applying for many loans, compare offers, and pick the best for you.



Best Personal Loans by Type

ElitePersonalFinance has the largest list of all loans by categories.

Best Personal Loans for Bad Credit 2021

  • EPF

Best Personal Loans for Fair Credit 2021

  • EPF

Best Personal Loans for Good Credit 2021

  • EPF

Best Personal Loans for No Credit 2021

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Best Debt Consolidation Loans 2021

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Best Personal Debt Consolidation Loans for Bad Credit 2021

  • EPF

Best Payday Loan Alternatives for Bad Credit 2021

  • EPF

Best Personal Loan for Low Income 2021

  • EPF

Best Small Business Loans for 2021

  • EPF

Best Personal Loans Tips from EPF

  • The loan market is becoming more flexible. People with bad credit can get a personal loan.


  • Avoid predatory loans! Avoid 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

Credit Card Debt Drops for The First Time in 8 Years

Rachel Morey
January 12, 2021

Despite the current recession, consumers have paid off more than $73 billion in credit card debt during 2020. This is the first time overall credit card debt has decreased since 2013. Since 2014, all debt (mortgage balances, auto loans, personal...

Financial News

Average FICO Score Hits Record High in 2021

Rachel Morey
January 12, 2021

Lockdowns across the country prevented many people from eating out in restaurants, shopping in malls, retail stores, and vacation. This could be a contributing factor to the uptick in FICO credit scores. With less opportunity to spend discretionary funds, many...

Credit Report

FICO® 10 Score Changes: What You Have to Know About The New FICO® 10 Scores

Rachel Morey
December 22, 2020

The FICO® Score 10 suite of updates could cause millions of consumers to see their FICO scores drop. This is the biggest update to the scoring model since 2014 when Fair Isaac Corp. released FICO® Score 9. FICO® 10 uses...

Financial News

Joe Biden’s Student Loan Debt Forgiveness Plan Will Cancel up to $50,000 per Student

Rachel Morey
November 21, 2020

Joe Biden plans to offer relief to student loan borrowers. At this time, Americans carry $1.5 trillion in student loan debt. Changes Ahead for PSLF: Department of Ed Currently Denies 98% of Pubic Service Loan Forgiveness Applicants According to the...

Trusted Companies

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