Personal Loans
Learn more about how personal loans work & what you can use them for, see our picks for the best personal loan lenders, and read reviews of the top lenders in the industry.
Featured post
See our editorial team’s picks for the best personal loans.
How personal loans work
Personal loans don’t often seem complicated, but you should understand several specific terms before you apply for one.
Personal loan uses
You can use personal loans for almost anything, including paying off debt and home improvements.
Personal loans by credit range
Your credit score is critical in determining eligibility for a personal loan. Before applying, check your credit score to determine whether your credit is excellent, good, fair, or poor. Compare companies that lend to borrowers in your credit range to boost your chances of approval.
Personal loan reviews
If you’re considering applying for a personal loan through a specific company, you should understand how that company operates and the repayment terms.
- SoFi Personal Loans Review
- LightStream Personal Loans Review
- Upgrade Personal Loans Review
- Upstart Personal Loans Review
- List of Personal Loan Companies
All personal loan articles
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Alltru Credit Union Review 2026: Credit Builder Loan Details, Rates, and Eligibility
We’ve researched the pros and cons of the Alltru credit builder loan and how it can help boost your credit.
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How Long Does It Take to Get a Personal Loan? What to Expect for Approval, Funding, and More
We researched 10 popular lenders’ processes to determine how long it takes to get a personal loan—and how to speed up the process.
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Kovo Credit Builder Loan Review 2026: What to Expect From This No-Fee Credit-Building Tool
A Kovo credit builder loan gets you access to business courses. Make on-time payments for this education—then watch your credit score grow.
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Personal Loans by State
When you need a personal loan, where you live can affect your choice of lenders and loan terms. Comparing personal loans by state can help you find the best borrowing…
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Personal Loans for Investments
It’s often best to avoid personal loans for investing because the risks are high, and it makes little financial sense. But can it work out at certain times?
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Point-of-Sale (or Buy Now, Pay Later) Loans
In some cases, point-of-sale loans can offer convenient and inexpensive financing, but they can result in overspending and extra charges if you're not careful.
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What Does “Same as Cash” Mean?
Same-as-cash financing may sound like a terrific option to cover a large purchase. But these offers can cost you if you don’t read the fine print.
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Chime Card™ Review 2026: How It Works + Pros and Cons
Chime Credit Builder is a secured credit card with no minimum security deposit and no credit checks, offering an easy way to build credit.
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Happy Money Personal Loans Review 2026: Best for Credit Card Debt
Happy Money personal loans are for paying off credit card debt. There’s no hard credit check and loan options are displayed within minutes.
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What Is a Credit Builder Loan? Simple Guide to Building Credit
A credit builder loan is one way to build or rebuild credit history. Credit builder loans can have both pros and cons, and it's helpful to know what they can…