Personal Loans & Financing
Whether you're consolidating debt, making a major purchase, or covering an emergency — compare your options and check rates without hurting your credit.
Personal Loans
Fixed rates, fixed payments, no collateral required. Use for debt consolidation, home projects, medical bills, or major purchases.
Loan Marketplace
Compare personalized offers from multiple lenders with one application.
- APR from 6.99% - 35.99%
- Loans $1,000 - $100,000
- Soft credit check to compare
Won't affect your credit score
Same-Day Personal Loan
Need money fast? Get approved and funded as soon as today.
- Same-day funding available
- No prepayment penalty
- Loans up to $50,000
On lender's secure site
Credit Union Loans
Member-owned institutions often offer lower rates than banks or online lenders.
- Lower rates than banks
- More flexible terms
- Membership required
On partner's site
Home Equity Options
If you own a home, you may be able to tap into your equity for lower rates than unsecured loans. Good for large expenses like renovations or debt consolidation.
Home Equity Loan
Borrow a lump sum against your home's equity with a fixed rate and payment.
- Fixed rate & payment
- Lower rates than personal loans
- Interest may be tax-deductible
HELOC (Line of Credit)
A revolving credit line you can draw from as needed. Only pay interest on what you use.
- Draw funds as needed
- Variable rate (usually)
- Good for ongoing projects
Important: Home equity products use your home as collateral. If you can't make payments, you could lose your home. Make sure you can afford the payments before borrowing.
Auto Loan Refinancing
If rates have dropped or your credit has improved since you got your car loan, refinancing could lower your payment.
Auto Refi Comparison
Compare rates from multiple auto lenders with one application.
- Compare multiple lenders
- No impact to credit to check
- Average savings $100+/month
Credit Union Auto Refi
Credit unions often have the lowest auto loan rates available.
- Rates from 4.99% APR
- No hidden fees
- Easy online application
When to Refinance
- ✓ Your credit score has improved
- ✓ Rates have dropped since you got your loan
- ✓ You got a bad rate at the dealership
- ✓ You want a lower monthly payment
Generally best if you can save at least 1-2% on your rate.
Emergency & Bad Credit Options
Need money fast or have less-than-perfect credit? These options may help, but be careful of high rates.
Caution: High-Cost Lending
Emergency and bad-credit loans often come with very high interest rates. Before borrowing:
- • Exhaust other options first (family, 0% credit cards, negotiate with creditors)
- • Understand the total cost of the loan, not just the monthly payment
- • Avoid payday loans and title loans if possible — they can trap you in debt cycles
- • Only borrow what you absolutely need and can realistically repay
Bad Credit Personal Loans
Lenders that work with borrowers who have credit challenges.
- Credit scores as low as 500
- Fast funding available
- Higher rates (up to 36% APR)
Better Alternatives to Consider
- 1 Ask creditors for hardship programs — Many will work with you
- 2 Local assistance programs — Churches, nonprofits, government aid
- 3 Payment plans — Medical providers and utilities often offer them
- 4 Side income — Gig work, selling items, freelancing
Borrowing Tips
✓ Check your rate first
Most lenders let you see rates with a soft pull that won't hurt your credit.
✓ Compare total cost, not just payment
A longer term means lower payments but more interest paid overall.
✓ Watch for origination fees
Some lenders charge 1-8% upfront. Factor this into your comparison.
✓ Avoid prepayment penalties
Make sure you can pay off early without fees if your situation improves.
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