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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.

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Latest Blog Posts

Loans

Cap On the High Interest Rate Loans Will Soon Be Affecting The Whole Country

EPF December 7, 2019

A vast number of Americans live paycheck to paycheck; this can only mean that they are almost always financially pinched. Therefore, they cannot bear the cost of emergency and everyday expenses such as paying necessary bills and buying groceries. Because...

Loans

Payday Loan Alternatives from Credit Unions

EPF December 3, 2019

You have bad credit, you don't have high income, probably you already have existing payday loans, but you again don't have enough money and you plan to get another payday loan. If you are with bad credit, banks won't approve...

Credit Cards

Reasons That Can Lead to Your Account Closure by the Credit Card Issuers And Why You Should Care

EPF December 3, 2019

Whenever you own several credit cards, it becomes normal for you to go for weeks or even months without using one of the cards. At first, this may seem harmless, thanks to the fact that you have other cards to...

Travel

A Guide to 2019 Holiday Gifts: The Best Wallets For Traveling

EPF December 3, 2019

Are you a travel enthusiast? Well, you should know how important it is for you to have a reliable wallet that keeps all of your essential belongings, such as passports, cards, and cash safe and organized so that you drop...

Loans

What to Do When Student Loan Grace Period Ends

EPF November 26, 2019

You finished college, graduated, but you have one massive burden on your shoulders - student loans. If you have student loans, then you probably know about the loan grace period too. The student loan grace period allows you to go...

Loans

Ways for You to Start Paying Back Your Student Loans

EPF November 18, 2019

For them that have graduated from college recently, the nearing month of December comes with some harsh reality. The federal student loans, which account for a significant percentage of student debt, have about six-months of rest period following graduation. After...

Loans By State

Best Personal Loans In Ohio, Payday, Auto Title Laws 2019

EPF November 14, 2019

Chapter 4712 of the Ohio Credit Services Organization Act mandates a $5,000 minimum for installment loans issued within the state. APRs cannot exceed 28% and licensed lenders must offer repayment terms of more than one year. Specifically, the act states:...

Loans By State

Best Loans In North Dakota, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] North Dakota does not regulate traditional installment loans. However, its Money Brokers Act requires licensed lenders to cap loans at $1,000 and terms at 24 ½ months. APRs are capped at: 2 ½% per month on...

Loans By State

Best Loans In North Carolina, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] Article 15 of North Carolina’s Consumer Finance Act requires licensed lenders to cap installment loans at $15,000. The minimum loan term is 12 months, while the maximum loan term is 96 months. Licensed lenders can levy...

Loans By State

Best Loans In New York, Payday, Auto Title Laws 2019

EPF November 10, 2019

View All Studies [toc] Article 9 of New York’s Licensed Lenders Law limits personal installment loans to $25,000. Finance charges are set by Title 5 of New York’s General Obligations Law, which caps installment loan APRs at 6%. Licensed lenders...

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