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Did you know that Americans lose millions of dollars every day due to bad credit card deals?
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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
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Based on your needs, our team of experts has prepared the best loan for each category.
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.
Latest Blog Posts
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...
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...
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...
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,...
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,...
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...
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...
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...
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...
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%...