Loans

Start with the rule that decides everything: Wells Fargo personal loans are offered only to existing Wells Fargo customers, and you must have been a customer for at least 12 months. If you opened...

Consider a hypothetical borrower, Priya, who wants $15,000 to replace an old HVAC system and pay off a lingering medical bill. She has a 740 credit score, a checking account at U.S. Bank, and a W...

Take a hypothetical borrower: Marcus, 29, with a 620 credit score. He has a couple of late payments from two years ago, a maxed-out store card and a car repair bill he put on a card at 29%. His b...

Our verdict up front: Reach Financial is a reasonable, middle-of-the-pack choice for consolidating a moderate amount of debt, and a weak choice if you need a big loan or want a lot of detail befo...

OneMain Financial makes the most sense for one kind of borrower: someone with fair or thin credit who needs a few thousand dollars, has been declined (or priced out) by online lenders, and would ...

Picture a hospital pharmacist with $180,000 of student debt at an average fixed rate of 7.5% and ten years left to pay. Her payment is about $2,137 a month, and she is on track to pay roughly $76...

"I have about $14,000 spread across four credit cards. I keep seeing ads for Happy Money. Is a loan that only pays off cards any different from a regular personal loan?"It's a fair question, and ...

"My loan officer's email signature says Rate, but my old paperwork says Guaranteed Rate. Is this the same company, and is its quick online approval real?"We hear versions of this question a lot. ...

Start with federal loans. Every private student loan review should say that first, and it matters more in 2026 than it did a year ago. Federal Direct loans come with fixed rates set by Congress, ...

"I've had a Citi checking account for years and I want to pay off about $12,000 on two cards from other banks. Citi says its loan has no fees. Is there a catch?"There's no hidden fee catch, as fa...