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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.

Credit Report
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 of them are totally free)
  • Learn how to always improve your credit score
  • Learn the biggest mistakes that lower your credit score

30 Ways to Increase Credit Score in 2018

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Understand How Credit Report Works

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Understand FICO Scores

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How to Get a Totally Free FICO Score

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How to Read Your Credit Report

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Best Credit Report Sites for 2018

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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.


Find Your Best Credit Card by Category

Huge Signup Bonuses (Up To $500)

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Best Credit Cards for Bad Credit

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Best Credit Cards for Fair Credit

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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.


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

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Best Personal Loans for Fair Credit

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Best Personal Loans for No Credit

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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


How To Look More Creditworthy To Lenders

EPF June 14, 2019

In life, perception is reality. It isn’t always fair. And it isn’t always right. Remember when you were a teenager? The way you dressed, the way you styled your hair, the music you listened to: all of these characteristics were...


What are The Most Common Loan Fees

EPF June 12, 2019

When you apply for a loan, what’s the first thing that comes to mind? Who’s the best lender? How much can I borrow? Where can I get the lowest APR? These are all important questions. And while it’s always an...


Will Consolidating My Student Loan Debt Increase My Credit Score?

EPF June 8, 2019

With total U.S. student loan debt surpassing the 1.4 trillion mark, borrowers have become even more reliant on debt to finance their education. And with plans available from both public and private lenders, loans usually end up spread across multiple...


Loan Companies Like Affirm, Bread, Klarna, Greensky

EPF June 7, 2019

What exactly is point-of-sale (POS) financing? Well, instead of pulling out your credit card the next time you purchase an item in-store or online, POS financing allows you to choose an installment loan – right from the checkout. As Fintech...


What Is Point-Of-Sale (POS) Financing And How Does It Work?

EPF June 5, 2019

Whether it’s the latest-and-greatest laptop you’ve been eyeing online, or the washer and dryer combination in the flyer of your local big-box store, you’ll notice retailers are adopting a new financing platform to make these big-ticket items more attainable. Point-of-sale...


How To Transfer Money From One Bank To Another

EPF June 4, 2019

We posted a guide describing How To Use Multiple Bank Accounts To Save Money. The piece outlined how switching from traditional bank accounts to no-fee checking and high-yield savings accounts allows you to keep more of your money. However, to...


Guide – How To Use Multiple Bank Accounts To Save Money

EPF June 1, 2019

While consolidating all of your finances within one bank may seem like an easy solution, you’ll find that many of its products often lag the competition. Examples include low interest rates for savings accounts and CDs as well as high...


Best Cash Advance Alternatives for Bad Credit 2019

EPF May 30, 2019

Are you considering a cash advance on your credit card? It’s not the best option ... Cash advances have high APRs and come with high upfront fees. To administer a cash advance, your credit card issuer will charge you an...


Bank Of America CD Rates: Is It Worth Your Investment?

EPF May 28, 2019

As one of the most popular banking institutions in the United States, Bank of America offers certificates of deposit (CD) that can help you save for retirement or generate some cash for your next vacation. But, relative to the competition,...

Loan Reviews

Loan Companies Like OppLoans, LendUp, RiseCredit, NetCredit

EPF May 26, 2019

What exactly are loan companies like OppLoans, LendUp, RiseCredit, NetCredit? How do they work? Are they legit? We get questions like this all the time. With their recent rise in popularity, we’ve received plenty of inquiries regarding whether borrowers can...

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