• Unsecured Loans

    The 8 Best Personal Loan Rates for October 2021

    Best personal loan rates for October 2021 Today’s average personal loan rate As of October 18, 2021, the average three-year unsecured personal loan rate is 8.95%, according to S&P Global. Personal loan rates over the last year The rates on personal loans have been steadily decreasing over the past 12 months. Todd Nelson, senior vice president of strategic partnerships at LightStream, said the falling interest rates are influenced by a number of factors, and as the cost of lending decreases, so do interest rates. One barometer of the cost of lending is the federal funds rate, the rate at which  

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  • Unsecured Loans

    The Best Personal Loans For Excellent Credit

    Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners. Personal loans have quickly become the fastest growing debt category in the U.S. And considering the fact that they can be used to cover the cost of a variety of expenses — weddings, vacations, home repairs and even emergencies — it’s not a surprising development. Personal loans also typically carry lower interest rates compared to credit cards, though you’re more likely to be approved for  

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  • Unsecured Loans

    Best personal loans for veterans and military members

    Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own. Looking for a personal loan to address your financial needs? Learn more about personal veteran loans and other resources for veterans. (iStock) Veterans and service members who need a little financial help to cover an unexpected expense or other expenditure can take advantage of veteran loans. You can typically  

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  • Unsecured Loans

    Are Personal Loans Safe for Retirees?

    Image source: Getty Images It’s an unfortunate fact that many older Americans wind up cash strapped during their senior years. Part of the problem is that many retirees aren’t entitled to a pension (or at least not a hefty one) and have to live largely on Social Security benefits, which aren’t that generous. It’s true that some people enter retirement with a nice pile of savings. But many of today’s retirees didn’t save for their golden years on their own, namely because the importance of doing so wasn’t necessarily made clear a few decades ago. As such, it’s common for  

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  • Unsecured Loans

    Long-term personal loans: Where and how to get one

    Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own. Long-term personal loans offer longer repayment periods, sometimes up to seven years. But interest can add up. (iStock) Personal loans typically have repayment terms of one to five years. But if you need the lowest possible monthly payment, or as much time as possible to repay a personal loan,  

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  • Unsecured Loans

    Your Most-Googled Questions About Personal Loans Answered By An Expert

    Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners. Personal loans can help you finance some of life’s large purchases without the astronomical interest charges that generally come with using a credit card. Personal loans are typically used for personal expenses — like a home renovation, wedding or even debt consolidation. They also typically carry a lower interest rate compared to credit cards, so they are usually an attractive financing option for someone who  

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  • Unsecured Loans

    Unsecured Personal Loans: No Collateral Needed

    Unsecured personal loans are one of the most sought-after types of loans for consumers in need of funds for debt consolidation, unexpected expenses, and the like. This type of loan is considered an installment loan. That means you’ll be allowed to repay the borrowed money with interest in the form of fixed monthly payments for a set period. Unlike other loan types, such as home loans and auto loans, unsecured personal loans don’t require the item you’re purchasing for collateral. Lenders depend on your creditworthiness to determine if you can pay back. The higher your credit score means the higher  

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  • Unsecured Loans

    Top Bad Credit Loans of 2021: Guaranteed Online Loans For Bad Credit

    A bad credit score can weigh heavily on your plans, whether for future real estate planning or a short-term plan like graduating. The only way to get rid of your reputation as a risky borrower is to improve your credit score. But wait, do you have time for that? Of course, your needs won’t wait for your credit score to go up. The delay in time while waiting for your score to improve may also delay your plans, which could prove to be a massive hindrance to your financial standing. For this reason, you need to look at companies that  

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