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p-24px mx-20px rounded-5px mob-region-sel-holder"> <div class="text-333333 font-euclidcircularb font-bold pb-12px border-b-1 border-light text-20px"> Select Region </div> <div> <ul> <li class="mt-24px flex items-center curr-region-sel cursor-pointer active" data-curr-region="usa"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/usa-icon.svg" alt="US" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United States</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="uk"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/uk-icon.svg" alt="UK" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United Kingdom</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="de"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/de-icon.svg" alt="DE" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Germany</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="in"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/in-icon.svg" alt="IN" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">India</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="au"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/au-icon.svg" alt="AU" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Australia</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="it"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/it-icon.svg" alt="IT" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Italy</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="ca"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/ca-icon.svg" alt="CA" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Canada</span> </div> </li> </ul> </div> </div> </div> </div> <header class="header-us sticky"> <div class="pos-r relative"> <div class="header__container"> <div class="menu-toggle" id="site-menu-toggle"> <div class="menu-toggle-wrap"> <svg class="open" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="M2 5.5h16v2H2zM2 9.5h16v2H2zM2 13.5h16v2H2z"></path></svg> <svg class="close" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"></path><path 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class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/ktreece/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Kiah Treece","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/ktreece\/","clickType":"internal"}' target="_blank"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/03/Kiah-Treece-Headshot-Kiah-Treece-88x88.jpg" width="25" height="25" alt="Kiah Treece" class="avatar avatar-25 wp-user-avatar wp-user-avatar-25 alignnone photo" /></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/03/Kiah-Treece-Headshot-Kiah-Treece-88x88.jpg" width="64" height="64" alt="Kiah Treece" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" >Kiah Treece</a><span class="author-role">Loans Writer</span></div></div><div class="middle-content">Kiah Treece is a small business owner and personal finance expert with experience in loans, business and personal finance, insurance and real estate. Her focus is on demystifying debt to help individuals and business owners take control of their fina...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/03/Kiah-Treece-Headshot-Kiah-Treece-88x88.jpg" width="64" height="64" alt="Kiah Treece" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" >Kiah Treece</a><span class="author-role">Loans Writer</span></div></div><div class="middle-content">Kiah Treece is a small business owner and personal finance expert with experience in loans, business and personal finance, insurance and real estate. Her focus is on demystifying debt to help individuals and business owners take control of their fina...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/ktreece/" data-mktp-link='{"clickText":"Kiah Treece","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/ktreece\/","clickType":"internal"}' target="_blank">Kiah Treece </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/03/Kiah-Treece-Headshot-Kiah-Treece-88x88.jpg" width="64" height="64" alt="Kiah Treece" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" >Kiah Treece</a><span class="author-role">Loans Writer</span></div></div><div class="middle-content">Kiah Treece is a small business owner and personal finance expert with experience in loans, business and personal finance, insurance and real estate. Her focus is on demystifying debt to help individuals and business owners take control of their fina...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/03/Kiah-Treece-Headshot-Kiah-Treece-88x88.jpg" width="64" height="64" alt="Kiah Treece" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" >Kiah Treece</a><span class="author-role">Loans Writer</span></div></div><div class="middle-content">Kiah Treece is a small business owner and personal finance expert with experience in loans, business and personal finance, insurance and real estate. Her focus is on demystifying debt to help individuals and business owners take control of their fina...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/ktreece/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Loans Writer </div></div></div></div><div class="author_container hide-in-mobile secondary-author co-author" data-mktp-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/jtarver/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}' target="_blank"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-88x88.png" width="25" height="25" alt="Jordan Tarver" class="avatar avatar-25 wp-user-avatar wp-user-avatar-25 alignnone photo" /></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-88x88.png" width="64" height="64" alt="Jordan Tarver" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" >Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" ><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-88x88.png" width="64" height="64" alt="Jordan Tarver" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" >Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" ><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/jtarver/" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}' target="_blank">Jordan Tarver </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-88x88.png" width="64" height="64" alt="Jordan Tarver" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" >Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" ><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-88x88.png" width="64" height="64" alt="Jordan Tarver" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" >Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" ><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" ><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Lead Editor, Mortgages & Loans </div></div></div></div></div><div class="dummy-container"></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div><div class="artice-date-v2-wrap"></div> <div class="article-date-wrap author-exist"> <p class="article-date">Updated: Jan 12, 2021</p> </div> <div class="article__editors-note article__editors-note-top p-2 my-3 text-xs tracking-tight w-full"> <p>Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.</p> </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p>A personal loan is financing extended by an online or traditional lender that you can use for a range of personal purposes. If you鈥檙e facing travel expenses, home or auto repair costs or other unexpected expenses, a personal loan can help you access the money you need鈥攕ometimes in as little as 24 hours. We鈥檒l walk you through <a href="https://www.forbes.com/advisor/personal-loans/how-do-personal-loans-work/" data-wpil="url">how personal loans work</a>, how to apply for one, and common alternatives so you can be sure you鈥檙e making the right decision.</p> </div> <div class="mob-fade "> <span> Read More </span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow" ></div> </div> </div> </div> <div class="our-picks-wrapper" > <div class="toggle-picks-section" data-mktp-misc-click='{"clickText":"Show Summary","clickType":"Accordion","referenceText":""}'> Show Summary </div> <div class="our-picks answer"> <ul id="our-picks-section" class="hide"> <li class="summary-title"> <a href="#scrollto_how_do_personal_loans_work_section" class="" data-mktp-misc-click='{"clickText":"How Do Personal Loans Work","clickType":"Jump Link","referenceText":""}' > How Do Personal Loans Work </a> </li> <li class="summary-title"> <a href="#scrollto_who_a_personal_loan_is_right_for_section" class="trigger-read-full-article" data-mktp-misc-click='{"clickText":"Who a Personal Loan Is Right For","clickType":"Jump Link","referenceText":""}' > Who a Personal Loan Is Right For </a> </li> <li class="summary-title"> <a href="#scrollto_types_of_personal_loans_section" class="trigger-read-full-article" data-mktp-misc-click='{"clickText":"Types of Personal Loans","clickType":"Jump Link","referenceText":""}' > Types of Personal Loans </a> </li> <li class="summary-title"> <a href="#scrollto_how_to_apply_for_a_personal_loan_section" class="trigger-read-full-article" data-mktp-misc-click='{"clickText":"How to Apply For a Personal Loan","clickType":"Jump Link","referenceText":""}' > How to Apply For a Personal Loan </a> </li> <li class="summary-title"> <a href="#scrollto_what_can_you_use_personal_loans_for_section" class="trigger-read-full-article" data-mktp-misc-click='{"clickText":"What Can You Use Personal Loans For?","clickType":"Jump Link","referenceText":""}' > What Can You Use Personal Loans For? </a> </li> <li class="summary-title"> <a href="#scrollto_personal_loan_alternatives_section" class="trigger-read-full-article" data-mktp-misc-click='{"clickText":"Personal Loan Alternatives","clickType":"Jump Link","referenceText":""}' > Personal Loan Alternatives </a> </li> </ul> </div> </div> <div class="section-content-wrapper"> <div id="scrollto_how_do_personal_loans_work_section" class="section-content-inner-wrap section-content-0 first"> <div class="section-content wysiwyg-content"> <h2>How Do Personal Loans Work</h2> <p><a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans/">Personal loans</a> are issued by a range of institutions, including online and <a href="https://www.forbes.com/advisor/personal-loans/best-peer-to-peer-lending/">peer-to-peer lenders</a>, traditional banks and credit unions. Loan proceeds are dispersed as a lump sum, and interest begins to accrue on the entire loan amount as soon as the loan is issued. Interest rates and repayment terms vary based on the lender and the borrower鈥檚 needs and qualifications. Origination fees also vary, but typically range from 1% to 8% of the loan amount.</p> <h3>Interest Rates</h3> <p><a href="https://www.forbes.com/advisor/personal-loans/personal-loan-rates/">Personal loan interest rates</a> depend on several factors, including the borrower鈥檚 credit score, income and <a href="https://www.forbes.com/advisor/mortgages/what-is-my-debt-to-income-ratio/">debt-to-income ratio</a>. On average, rates range from just 3% for the most qualified borrowers up to 36% for applicants who pose more risk to lenders. Personal loan interest rates are usually fixed over the life of the loan but can be variable.</p> <h3>Repayment Schedule</h3> <p>In general, a personal loan term鈥攐r the time a borrower has to pay off a loan鈥攙aries from two to seven years. However, as with interest rates, these terms vary based on the lender, loan amount and the borrower鈥檚 creditworthiness. A borrower鈥檚 loan offer will include details about the <a href="https://www.forbes.com/advisor/loans/what-is-loan-amortization/">amortization</a> period, monthly payment amount and date by which the loan must be paid off. Use our <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-calculator/">personal loan calculator</a> to get an idea of what your monthly payment would be.</p> <h3>Fees</h3> <p>Many lenders charge <a href="https://www.forbes.com/advisor/personal-loans/origination-fees/">origination fees</a> to cover the cost of reviewing the borrower鈥檚 application, verifying their income and otherwise processing the loan. This fee is typically between 1% and 8% of the total loan amount, but varies by lender. In some cases, these fees are subtracted from the total loan amount, while other lenders tack the fee on to the loan principal.</p> <p>Notably, not all lenders charge origination fees on personal loans鈥攊n fact, many advertise fee-free loans鈥攕o consider this when shopping for the most favorable terms.</p> <div data-mktp-container='{"componentTitle":"Credible Widget","componentType":"Credible-External Widget-Personal Loan Rates Table Short"}'> <div class="credible-js-widget"> <div id="personal-loans-rates-table-674be10abfc03" data-mktp-external-widget='{"tid":"tid_value","partnerName":"Credible","referenceText":"Credible Widget"}'></div> </p> </div> </div> <hr style="height: 3px; border: none; color: #333; background-color: #333; margin-top: 1.5em; margin-bottom: 1.5em;" /> </div> </div> <div id="scrollto_who_a_personal_loan_is_right_for_section" class="section-content-inner-wrap section-content-1 "> <div class="section-content wysiwyg-content"> <h2>Who a Personal Loan Is Right For</h2> <p>A personal loan is an excellent financing option for those who need to access a lump sum of cash quickly and without limitations on its use. While personal loans can offer fast and flexible financing, they can be expensive鈥攚ith origination fees and interest charged on the entire loan amount. For that reason, a line of credit may be a suitable alternative for borrowers who need money over an extended period of time rather than all at once.</p> <p>Applicants should have a credit score of at least 610 to 640 to qualify for a personal loan. Even so, prospective <a href="https://www.forbes.com/advisor/personal-loans/bad-credit-loans/" data-wpil="url">borrowers with lower credit scores</a> can also qualify for personal loans, though the interest rates will likely be higher and the terms less favorable.</p> <hr style="height: 3px; border: none; color: #333; background-color: #333; margin-top: 1.5em; margin-bottom: 1.5em;" /> </div> </div> <div id="scrollto_types_of_personal_loans_section" class="section-content-inner-wrap section-content-2 "> <div class="section-content wysiwyg-content"> <h2>Types of Personal Loans</h2> <p>Personal loans can either be secured, meaning the loan is guaranteed by an asset like the borrower鈥檚 house鈥攐r unsecured, meaning collateral is not required. Interest rates are typically lower for secured loans because this form of financing poses less risk to lenders; for the same reason, these loans usually have more lenient borrowing requirements than unsecured loans. That said, whether a <a href="https://www.forbes.com/advisor/personal-loans/secured-vs-unsecured/">secured or unsecured loan</a> is best depends on the borrower.</p> <p>Beyond collateral, personal loans also can have either fixed or adjustable rates. Fixed-rate personal loans are those where the interest rate and monthly payment stay the same for the entire life of the loan. This is the most common form of personal loan. In contrast, the interest rates of adjustable-rate loans change over time鈥攗sually starting out low and increasing after a certain period of time.</p> <p>If you think a personal loan may be a good fit for your financial needs, familiarize yourself with the different <a href="https://www.forbes.com/advisor/personal-loans/types-of-personal-loans/">types of personal loans</a> before applying.</p> <hr style="height: 3px; border: none; color: #333; background-color: #333; margin-top: 1.5em; margin-bottom: 1.5em;" /> </div> </div> <div id="scrollto_how_to_apply_for_a_personal_loan_section" class="section-content-inner-wrap section-content-3 "> <div class="section-content wysiwyg-content"> <h2>How to Apply For a Personal Loan</h2> <p>Personal loans are available from online lenders as well as traditional banks and credit unions. Prospective borrowers can typically apply for a personal loan online, but some lenders require an in-person meeting. While the application process varies by lender, follow these general steps when applying for a personal loan:</p> <ul> <li><strong>Check your credit score.</strong> Before you <a href="https://www.forbes.com/advisor/personal-loans/how-to-get-a-personal-loan/">apply for a personal loan</a>, check your credit score for free through your credit card issuer or another website that offers free scores. This will help you anticipate the likelihood of getting approved and can give you a better idea of what kind of interest rate to expect. When applying for a personal loan, aim for a score of at least 610; however, a score over 720 will yield the lowest interest rates.</li> <li><strong>If necessary, take steps to improve your credit score.</strong> Checking your credit score will also reveal whether you need to <a href="https://www.forbes.com/advisor/credit-score/how-to-improve-credit-score/" data-wpil="url">improve your creditworthiness</a> before applying for a loan. You then can take steps to lower your credit usage rate or make other improvements based on your credit report.</li> <li><strong>Determine how much you need to borrow.</strong> Once you have a comprehensive understanding of your credit score, calculate how much money you want to borrow. Remember, though, that personal loans are issued as a lump sum, and you鈥檒l have to pay interest on the entire loan amount鈥攕o don鈥檛 borrow more than you need.</li> <li><strong>Shop around for the best terms and interest rates.</strong> Many lenders offer an online prequalification process that lets you estimate your likely interest rate with just a soft credit inquiry. This means you can shop around for the most favorable loan terms without damaging your credit score. You鈥檒l often be able to prequalify in just a few minutes, but some lenders take longer.</li> <li><strong>Submit a formal application and await a lending decision.</strong> After identifying the most competitive personal loan option available, submit a formal application. At this point, you鈥檒l need to consent to a <a href="https://www.forbes.com/advisor/credit-score/soft-credit-check-vs-hard-credit-check/" data-wpil="url">hard credit check</a>, which can <a href="https://www.forbes.com/advisor/personal-loans/minimum-credit-score-for-a-personal-loan/">impact your credit score</a>, and the lender will identify the exact terms of your loan. Depending on the lender, this process can take anywhere from a few hours to a few days.</li> </ul> <div data-mktp-container='{"componentTitle":"Credible Widget","componentType":"Credible-External Widget-Personal Loan Rich Cta"}'> <div class="credible-js-widget"> <div id="personal-loans-rich-cta-674be10ac0a82" data-mktp-external-widget='{"tid":"tid_value","partnerName":"Credible","referenceText":"Credible Widget"}'></div> </p> </div> </div> <hr style="height: 3px; border: none; color: #333; background-color: #333; margin-top: 1.5em; margin-bottom: 1.5em;" /> </div> </div> <div id="scrollto_what_can_you_use_personal_loans_for_section" class="section-content-inner-wrap section-content-4 "> <div class="section-content wysiwyg-content"> <h2>What Can You Use Personal Loans For?</h2> <p>Generally speaking, you can use personal loans for any personal purpose unless it鈥檚 specifically prohibited by a lender under the terms of the loan. However, there are many common <a href="https://www.forbes.com/advisor/personal-loans/good-reasons-to-get-a-personal-loan/">reasons to get a personal loan</a>. Here鈥檚 a list of things personal loans are frequently used for:</p> <ul> <li><a href="https://www.forbes.com/advisor/personal-loans/home-improvement-loans/">Home improvements and repairs</a></li> <li><a href="https://www.forbes.com/advisor/personal-loans/medical-loans/">Medical bills</a></li> <li><a href="https://www.forbes.com/advisor/personal-loans/best-wedding-loans/">Wedding expenses</a></li> <li>Vacation and travel</li> <li>Funeral costs</li> <li><a href="https://www.forbes.com/advisor/personal-loans/debt-consolidation-loans/">Debt consolidation</a></li> <li><a href="https://www.forbes.com/advisor/personal-loans/best-emergency-loans/">Unexpected expenses</a></li> </ul> <p>That said, lenders prohibit the use of personal loans to fund illegal activities. Some lenders also restrict the use of personal loans to cover education-related expenses or to refinance other debt. Depending on the lender, you may also be prohibited from using the proceeds of a personal loan to cover business-related expenses.</p> <hr style="height: 3px; border: none; color: #333; background-color: #333; margin-top: 1.5em; margin-bottom: 1.5em;" /> </div> </div> <div id="scrollto_personal_loan_alternatives_section" class="section-content-inner-wrap section-content-5 "> <div class="section-content wysiwyg-content"> <h2>Personal Loan Alternatives</h2> <p>Personal loans are a flexible financing solution for borrowers who qualify. However, depending on your needs and creditworthiness, a personal loan may not be the best option鈥攐r an option at all. Luckily, there are several popular personal loan alternatives to consider:</p> <ul> <li><strong>Savings.</strong> If you can cover your expenses with savings鈥攊nstead of taking out a loan鈥攜ou鈥檒l avoid fees and interest. Keep in mind, however, that taking money out of a qualified retirement account early generally comes with an early withdrawal penalty. So this option should be avoided when possible.</li> <li><strong>Credit card.</strong> When comparing <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-vs-credit-card/">personal loans vs. credit cards</a>, credit cards typically have higher interest rates, but credit cards may be easier to qualify for if you have poor credit. However, if you have a strong credit score, you may qualify for a 0% introductory offer, which can save you money on interest payments.</li> <li><strong>Personal line of credit.</strong> Unlike a personal loan, which is disbursed as a lump sum, a <a href="https://www.forbes.com/advisor/personal-finance/what-is-a-line-of-credit/">personal line of credit</a> lets borrowers access funds up to a certain limit on an as-needed basis. With this type of financing, the borrower only pays interest on what they actually access. This makes a line of credit an excellent option for projects or events where expenses will be spread over several months or years.</li> <li><strong>Home equity loan or line of credit.</strong> Home equity lines of credit (HELOCs) and <a title="home equity loans" href="https://www.forbes.com/advisor/home-equity/best-home-equity-loan-lenders/" data-wpil="url" data-wpil-keyword-link="linked">home equity loans</a> are financing options that are backed by a borrower鈥檚 equity in their home. If you鈥檙e considering a loan that鈥檚 secured by your home, consider the differences between <a href="https://www.forbes.com/advisor/home-equity/heloc-vs-home-equity-loan/" data-wpil="url">HELOCs and home equity loans</a> before signing on the dotted line.</li> </ul> </div> </div> <div class="article__editors-note article__editors-note-top p-2 my-3 text-xs tracking-tight w-full"> <p>Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author鈥檚 alone and have not been provided, approved, or otherwise endorsed by our partners.</p> </div> <div class="read-full-article-fade not-active"> <div class="read-full-article" data-mktp-misc-click='{"clickText":"Read the full article","clickType":"Accordion","referenceText":""}'> <span>Read the full article</span> <span class="arrow"></span> </div> </div> </div> </div> </div> </section> <section class="cal-category mb-6 md:mb-10 font-euclidcircularb " data-mktp-container='{"componentTitle":"Calculator Categories","componentType":"Template Part layout"}'> <div class="cal-wrapper w-full px-5 flex flex-col lg:flex-row lg:items-start"> <div class="cal-browse-wrapper bg-white"> <div class="cal-browse" id="browseSimplebar"> <div class="browse-title">Browse Categories</div> <div class="default-category rounded py-11px pl-5 text-base leading leading-7 mb-5 lg:hidden">All Categories</div> <ul class="browse-options p-5 rounded bg-white text-sm hidden 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Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans\/ ","clickType":"internal"}'>Best Personal Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/debt-consolidation-loans/" target="_blank" data-mktp-link='{"clickText":"Debt Consolidation Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/debt-consolidation-loans\/","clickType":"internal"}'>Debt Consolidation Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-emergency-loans/ " target="_blank" data-mktp-link='{"clickText":"Emergency Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-emergency-loans\/ ","clickType":"internal"}'>Emergency Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-emergency-loans-for-bad-credit/" target="_blank" data-mktp-link='{"clickText":"Emergency Loans For Bad Credit","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-emergency-loans-for-bad-credit\/","clickType":"internal"}'>Emergency Loans For Bad Credit</a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-rates/ " target="_blank" data-mktp-link='{"clickText":"Personal Loan Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates\/ ","clickType":"internal"}'>Personal Loan Rates </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-joint-personal-loans/ " target="_blank" data-mktp-link='{"clickText":"Joint Personal Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-joint-personal-loans\/ ","clickType":"internal"}'>Joint Personal Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-low-interest-personal-loans/ " target="_blank" data-mktp-link='{"clickText":"Low-Interest 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Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-fast-personal-loans\/ ","clickType":"internal"}'>Fast Personal Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-credit-card-consolidation-loans/ " target="_blank" data-mktp-link='{"clickText":"Credit Card Consolidation Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-credit-card-consolidation-loans\/ ","clickType":"internal"}'>Credit Card Consolidation Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-wedding-loans/ " target="_blank" data-mktp-link='{"clickText":"Wedding Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-wedding-loans\/ ","clickType":"internal"}'>Wedding Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-online-personal-loans/ " target="_blank" data-mktp-link='{"clickText":"Online Personal Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-online-personal-loans\/ ","clickType":"internal"}'>Online Personal Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-small-personal-loans/ " target="_blank" data-mktp-link='{"clickText":"Small Personal Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-small-personal-loans\/ ","clickType":"internal"}'>Small Personal Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-unsecured-personal-loans/" target="_blank" data-mktp-link='{"clickText":"Unsecured Personal Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-unsecured-personal-loans\/","clickType":"internal"}'>Unsecured Personal Loans </a> </li> </ul> </div> <div class="cal-type" > <p class="cal-title text-xl mb-3 lg:text-2xl font-bold lg:mb-4" id="credit_score"> Credit Score </p> <ul class="text-base leading-21px inline-block lg:flex lg:flex-wrap"> <li> <a href="https://www.forbes.com/advisor/personal-loans/bad-credit-loans/ " target="_blank" data-mktp-link='{"clickText":"Bad Credit Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/bad-credit-loans\/ ","clickType":"internal"}'>Bad Credit Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans-for-fair-credit/ " target="_blank" data-mktp-link='{"clickText":"Personal Loans For Fair Credit\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-fair-credit\/ ","clickType":"internal"}'>Personal Loans For Fair Credit </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-debt-consolidation-loans-bad-credit/ " target="_blank" data-mktp-link='{"clickText":"Debt Consolidation Loans For Bad Credit\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-debt-consolidation-loans-bad-credit\/ ","clickType":"internal"}'>Debt Consolidation Loans For Bad Credit </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-installment-loans-for-bad-credit/ " target="_blank" data-mktp-link='{"clickText":"Installment Loans For Bad Credit\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-installment-loans-for-bad-credit\/ ","clickType":"internal"}'>Installment Loans For Bad Credit </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-hardship-loans-for-bad-credit/ " target="_blank" data-mktp-link='{"clickText":"Hardship Loans For Bad Credit\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-hardship-loans-for-bad-credit\/ ","clickType":"internal"}'>Hardship Loans For Bad Credit </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-short-term-loans-for-bad-credit/ " target="_blank" data-mktp-link='{"clickText":"Short-Term Loans For Bad Credit\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-short-term-loans-for-bad-credit\/ ","clickType":"internal"}'>Short-Term Loans For Bad Credit </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans-for-good-credit/ " target="_blank" data-mktp-link='{"clickText":"Personal Loans For Good Credit\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-good-credit\/ ","clickType":"internal"}'>Personal Loans For Good Credit </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans-for-excellent-credit/ " target="_blank" data-mktp-link='{"clickText":"Personal Loans For Excellent Credit\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-excellent-credit\/ ","clickType":"internal"}'>Personal Loans For Excellent Credit </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-bad-credit-home-improvement-loans/" target="_blank" data-mktp-link='{"clickText":"Bad Credit Home Improvement Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-bad-credit-home-improvement-loans\/","clickType":"internal"}'>Bad Credit Home Improvement Loans </a> </li> </ul> </div> <div class="cal-type" > <p class="cal-title text-xl mb-3 lg:text-2xl font-bold lg:mb-4" id="home_improvement"> Home Improvement </p> <ul class="text-base leading-21px inline-block lg:flex lg:flex-wrap"> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-home-improvement-loans/ " target="_blank" data-mktp-link='{"clickText":"Home Improvement Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-home-improvement-loans\/ ","clickType":"internal"}'>Home Improvement Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-roof-financing/ " target="_blank" data-mktp-link='{"clickText":"Roof Financing Options\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-roof-financing\/ ","clickType":"internal"}'>Roof Financing Options </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/solar-panel-loans/ " target="_blank" data-mktp-link='{"clickText":"Solar Panel Loans\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/solar-panel-loans\/ ","clickType":"internal"}'>Solar Panel Loans </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-deck-financing/ " target="_blank" data-mktp-link='{"clickText":"Deck Financing Options\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-deck-financing\/ ","clickType":"internal"}'>Deck Financing Options </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/best-tiny-home-financing/" target="_blank" data-mktp-link='{"clickText":"Personal Loans For Tiny Home Financing\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-tiny-home-financing\/","clickType":"internal"}'>Personal Loans For Tiny Home Financing </a> </li> </ul> </div> <div class="cal-type" > <p class="cal-title text-xl mb-3 lg:text-2xl font-bold lg:mb-4" id="reviews"> Reviews </p> <ul class="text-base leading-21px inline-block lg:flex lg:flex-wrap"> <li> <a href="https://www.forbes.com/advisor/personal-loans/upgrade-personal-loans-review/ " target="_blank" data-mktp-link='{"clickText":"Upgrade \t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/upgrade-personal-loans-review\/ ","clickType":"internal"}'>Upgrade </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/lightstream-personal-loans-review/ " target="_blank" data-mktp-link='{"clickText":"LightStream \t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/lightstream-personal-loans-review\/ ","clickType":"internal"}'>LightStream </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/sofi-personal-loans-review/ " target="_blank" data-mktp-link='{"clickText":"SoFi \t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/sofi-personal-loans-review\/ ","clickType":"internal"}'>SoFi </a> </li> <li> <a href="https://www.forbes.com/advisor/personal-loans/lendingclub-personal-loans-review/ " target="_blank" data-mktp-link='{"clickText":"LendingClub 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data-mktp-link='{"clickText":"Compare Personal Loan Options\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/compare-loans\/","clickType":"internal"}'>Compare Personal Loan Options </a> </li> </ul> </div> </div> <div class="see-more text-base text-blue font-semibold w-auto flex justify-center "> <p class="relative see-more-text cursor-pointer pr-10px" data-mktp-misc-click='{"clickText":"See More","clickType":"Accordion","referenceText":""}'> See <span>More</span><span class="hidden">Less</span> </p> </div> </div> </section> <section class="jumbotron mb-6 md:mb-10 font-euclidcircularb " data-mktp-container='{"componentTitle":"Banner with CTA","componentType":"Template Part layout"}'> <div class="container"> <div class="jumbotron__wrapper flex flex-wrap lg:flex-no-wrap items-center rounded-xl lg:py-30px lg:px-60px px-5 py-30px bg-blue900 "> <h3 class="text-lg leading-23px mb-10 font-bold uppercase block lg:hidden w-full text-white"> LOANS </h3> <div class="jumbotron__img-wrap mx-auto lg:mb-0 mb-5"> <img class="img-responsive" alt="LOANS" loading="lazy" src="https://www.forbes.com/advisor/wp-content/uploads/2023/03/loan-worksheet-small.svg" /> </div> <div class="jumbotron__content-wrap px-0 lg:px-12 lg:w-max w-full break-word"> <h3 class="text-lg leading-23px mb-2 font-bold uppercase hidden lg:block text-white"> LOANS </h3> <h4 class="lg:text-35px text-25px lg:leading-10 leading-8 lg:mb-3 mb-6 font-bold text-white"> Loans Rating & Review Methodology </h4> <p class="text-base lg:leading-6 leading-32px mb-30px lg:mb-0 font-georgia text-lightBlue"> Learn more about how Forbes Advisor rates lenders, and our editorial process </p> </div> <div class="jumbotron__btn-wrap"> <a href="https://www.forbes.com/advisor/personal-loans/personal-loans-ratings-methodology/" class="rounded flex items-center justify-center text-center text-lg text-white py-3" data-mktp-link='{"clickText":"Methodology","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loans-ratings-methodology\/","clickType":"internal"}'>Methodology</a> </div> </div> </div> </section> <section id="seven_article_wrapper" class="mb-6 md:mb-10 break-word" data-mktp-container='{"componentTitle":"7 Article Section","componentType":"Template Part layout"}'> <div class="container"> <h2 class="mb-6 md:mb-30px section-heading">Featured Personal Loans Guides</h2> <div class="relative md:pb-0 pr-6 sas-tab-container overflow-hidden"> <div class="sas-tabs-wrapper z-50 inline-flex"> <button class="sas-tab-btn relative tns-item h-45px md:h-55px font-euclidcircularb inline-flex items-center justify-center text-lg cursor-pointer whitespace-no-wrap text-gray-400 active" data-tab-index="0" data-mktp-misc-click='{"clickText":"Top Picks","clickType":"Tab Button","referenceText":""}'> Top Picks <div class="active-tab-indicator hidden absolute bottom-0 left-0"></div> </button> <button class="sas-tab-btn relative tns-item h-45px md:h-55px font-euclidcircularb inline-flex items-center justify-center text-lg cursor-pointer whitespace-no-wrap text-gray-400 " data-tab-index="1" data-mktp-misc-click='{"clickText":"Reviews","clickType":"Tab Button","referenceText":""}'> Reviews <div class="active-tab-indicator hidden absolute bottom-0 left-0"></div> </button> <button class="sas-tab-btn relative tns-item h-45px md:h-55px font-euclidcircularb inline-flex items-center justify-center text-lg cursor-pointer whitespace-no-wrap text-gray-400 " data-tab-index="2" data-mktp-misc-click='{"clickText":"Basics","clickType":"Tab Button","referenceText":""}'> Basics <div class="active-tab-indicator hidden absolute bottom-0 left-0"></div> </button> </div> </div> <div class="sas-tab-section block" data-tab-section-index="0"> <div class="seven-article-section switch-order md:mt-30px sm:pb-30px block lg:flex "> <div class="left-column"> <div class="top-section text-left pb-30px md:pb-8 sm:text-center"> <a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans/" class="cursor-default" data-mktp-link='{"clickText":"Best Personal Loans Of November 2024: Compare Top Lenders","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans\/","clickType":"internal"}'> <div class="top-section-wrapper cursor-pointer overflow-hidden mb-5"> <div aria-label="Best Personal Loans Of November 2024: Compare Top Lenders" class="image-container ratio16x9 bg-gray-200" > <img loading="lazy" class="image-container object-cover object-center" src="https://thumbor.forbes.com/thumbor/fit-in/980x/https://www.forbes.com/advisor/wp-content/uploads/2020/11/jump-e1604623668140.jpg" alt="Best Personal Loans Of November 2024: Compare Top Lenders"> </div> </div> </a> <div class="text-section font-serif cursor-pointer pb-14px text-lg sm:text-left mb-4 md:mb-5"> <a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans/" class="cursor-pointer block w-full leading-5 md:leading-30px" data-mktp-link='{"clickText":"Best Personal Loans Of November 2024: Compare Top Lenders","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans\/","clickType":"internal"}'> Best Personal Loans Of November 2024: Compare Top Lenders </a> </div> <div class="by-editor text-sm sm:text-left font-euclidcircularb"> By <span class="font-euclidcircularb cursor-pointer hover:underline font-semibold"> <a href="https://www.forbes.com/advisor/author/cberesford/" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> </span> Deputy Editor, Personal and Business Loans </div> </div> <div class="bottom-section lg:flex lg:flex-wrap lg:pt-10px"> <div class="article-post-wrapper flex lg:w-1/2"> <div class="image-wrapper flex"> <a href="https://www.forbes.com/advisor/personal-loans/bad-credit-loans/" aria-label="Best Bad Credit Loans Of November 2024" class="cursor-pointer mr-5" data-mktp-link='{"clickText":"Best Bad Credit Loans Of November 2024","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/bad-credit-loans\/","clickType":"internal"}' > <img loading="lazy" class="object-cover object-center" src="https://thumbor.forbes.com/thumbor/fit-in/240x/https://www.forbes.com/advisor/wp-content/uploads/2023/07/Best-Emergency-Loans-For-Bad-Credit.jpg" alt="Best Bad Credit Loans Of November 2024"> </a> </div> <div class="text-wrapper"> <a href="https://www.forbes.com/advisor/personal-loans/bad-credit-loans/" data-mktp-link='{"clickText":"Best Bad Credit Loans Of November 2024","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/bad-credit-loans\/","clickType":"internal"}'> <div class="font-serif text-section cursor-pointer 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Navy Federal Credit Union Personal Loans Review 2024 </div> </a> <div class="by-editor text-sm font-euclidcircularb"> By <span class="font-euclidcircularb cursor-pointer hover:underline font-semibold"> <a href="https://www.forbes.com/advisor/author/lvansomeren/" data-mktp-link='{"clickText":"Lindsay VanSomeren","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lvansomeren\/","clickType":"internal"}'>Lindsay VanSomeren</a> </span> Contributor </div> </div> </div> <div class="article-post-wrapper flex lg:w-1/2"> <div class="image-wrapper flex"> <a href="https://www.forbes.com/advisor/personal-loans/happy-money-personal-loans-review/" aria-label="Happy Money Personal Loans Review 2024" class="cursor-pointer mr-5" data-mktp-link='{"clickText":"Happy Money Personal Loans Review 2024","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/happy-money-personal-loans-review\/","clickType":"internal"}' > <img loading="lazy" class="object-cover object-center" src="https://thumbor.forbes.com/thumbor/fit-in/240x/https://www.forbes.com/advisor/wp-content/uploads/2021/09/960x0_56-4.jpeg" alt="Happy Money Personal Loans Review 2024"> </a> </div> <div class="text-wrapper"> <a href="https://www.forbes.com/advisor/personal-loans/happy-money-personal-loans-review/" data-mktp-link='{"clickText":"Happy Money Personal Loans Review 2024","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/happy-money-personal-loans-review\/","clickType":"internal"}'> <div class="font-serif text-section cursor-pointer mb-6 md:mb-5 text-lg lg:no-underline"> Happy Money Personal Loans Review 2024 </div> </a> <div class="by-editor text-sm font-euclidcircularb"> By <span class="font-euclidcircularb cursor-pointer hover:underline font-semibold"> <a href="https://www.forbes.com/advisor/author/ktreece/" data-mktp-link='{"clickText":"Kiah 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lg:mb-0"> <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-rates-11-12-24/" target="_blank" class="block w-full h-full search-page-card__anchor" data-search-result-info="image" data-search-result-title="Today鈥檚 Personal Loan Rates: November 12, 2024鈥擱ates Move Down" data-search-query= "" data-search-result-position="0" data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: November 12, 2024\u2014Rates Move Down","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-11-12-24\/","clickType":"internal"}' > <img loading="lazy" class="w-full md:w-225px h-195px sm:h-250px md:h-138px object-cover object-center" src="https://thumbor.forbes.com/thumbor/fit-in/480x/https://www.forbes.com/advisor/wp-content/uploads/2024/10/pl3.jpg" alt="Today鈥檚 Personal Loan Rates: November 12, 2024鈥擱ates Move Down"> </a> </div> <div class="search-page-card__content mx-auto md:flex-1 px-16px md:pl-0px md:pr-40px"> <p class="search-page-card__content-date font-euclidcircularb text-12px leading-20px font-medium text-searchPage-100 mb-2 md:mb-10px"> Nov 12, 2024 </p> <h2 class="search-page-card__content-heading word-break mb-3 md:mb-16px text-16px leading-21px"> <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-rates-11-12-24/" target="_blank" class="font-euclidcircularb font-bold text-16px leading-21px text-black900 search-page-card__anchor" data-search-result-info="title" data-search-result-title="Today鈥檚 Personal Loan Rates: November 12, 2024鈥擱ates Move Down" data-search-query= "" data-search-result-position="0" data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: November 12, 2024\u2014Rates Move Down","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-11-12-24\/","clickType":"internal"}' > Today鈥檚 Personal Loan Rates: November 12, 2024鈥擱ates Move Down </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> Personal loan rates dropped last week. Qualified borrowers can still pick up a decent interest rate, providing the opportunity to finance a project, purchase or unexpected bills.For borrowers with a credit score of 720 or higher who prequalified on Credible.com's... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group 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class="search-page-card mb-20px pb-20px md:w-full md:pb-30px rounded-4px md:border-b-1 md:rounded-none md:border-t-0 md:border-l-0 md:border-r-0 md:flex md:flex-row-reverse border-1 overflow-hidden z-10 border-searchPage-300 "> <div class="search-page-card__image-container md:rounded-xl w-full md:w-225px h-195px sm:h-250px md:h-138px overflow-hidden mb-3 lg:mb-0"> <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-rates-11-05-24/" target="_blank" class="block w-full h-full search-page-card__anchor" data-search-result-info="image" data-search-result-title="Today鈥檚 Personal Loan Rates: November 5, 2024鈥擱ates Drop" data-search-query= "" data-search-result-position="0" data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: November 5, 2024\u2014Rates Drop","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-11-05-24\/","clickType":"internal"}' > <img loading="lazy" class="w-full md:w-225px h-195px sm:h-250px 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Loan Rates: November 5, 2024\u2014Rates Drop","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-11-05-24\/","clickType":"internal"}' > Today鈥檚 Personal Loan Rates: November 5, 2024鈥擱ates Drop </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> Rates on personal loans dropped last week. This means if you鈥檙e looking to finance a home remodeling project, vehicle or unexpected bills, you can still snag a fair rate, as long as you鈥檙e a qualified applicant.From October 28 to November... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group 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"" data-search-result-position="0" data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: October 29, 2024\u2014Rates Rise For Well-Qualified Borrowers","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-10-29-24\/","clickType":"internal"}' > Today鈥檚 Personal Loan Rates: October 29, 2024鈥擱ates Rise For Well-Qualified Borrowers </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> Last week, personal loan rates increased. But you can still snag a reasonable rate, whether you鈥檙e looking to finance a home remodeling project, vehicle, unexpected bills or temporarily need to improve your cash flow.For borrowers with a credit score of... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group 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items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group search-page-card__content-icon-share"> <svg width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <rect width="32" height="32" fill=""/> <path class="fill-icon-share" d="M16.7607 12.6937C10.4211 13.5238 8.63264 17.9982 8.46217 20.9181C8.44444 21.2219 8.8406 21.3098 9.00606 21.0544C11.1761 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October 15, 2024鈥擱ates Increase By 0.66% </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> Rates on personal loans jumped up last week. But you can still snag a reasonable rate, whether you鈥檙e looking to finance a home remodeling project, vehicle, unexpected bills or temporarily need to improve your cash flow.From October 7 to October... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group 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</div> </div> </div> </div> <div class="search-page-card mb-20px pb-20px md:w-full md:pb-30px rounded-4px md:border-b-1 md:rounded-none md:border-t-0 md:border-l-0 md:border-r-0 md:flex md:flex-row-reverse border-1 overflow-hidden z-10 border-searchPage-300 "> <div class="search-page-card__image-container md:rounded-xl w-full md:w-225px h-195px sm:h-250px md:h-138px overflow-hidden mb-3 lg:mb-0"> <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-rates-10-08-24/" target="_blank" class="block w-full h-full search-page-card__anchor" data-search-result-info="image" data-search-result-title="Today鈥檚 Personal Loan Rates: October 8, 2024鈥擱ates Drop" data-search-query= "" data-search-result-position="0" data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: October 8, 2024\u2014Rates Drop","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-10-08-24\/","clickType":"internal"}' > <img loading="lazy" class="w-full 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data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: October 8, 2024\u2014Rates Drop","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-10-08-24\/","clickType":"internal"}' > Today鈥檚 Personal Loan Rates: October 8, 2024鈥擱ates Drop </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> Last week, rates on personal loans moved lower. This means if you're in the market for a personal loan, whether to finance a project or major purchase, you can grab a worthwhile interest rate, so long as you're a qualified... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group search-page-card__content-icon-share"> <svg width="32" 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Move Up","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-10-01-24\/","clickType":"internal"}' > Today鈥檚 Personal Loan Rates: October 1, 2024鈥擱ates Move Up </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> Last week, personal loan rates increased. But you can still snag a reasonable rate, whether you鈥檙e looking to finance a home remodeling project, vehicle, unexpected bills or temporarily need to improve your cash flow.For borrowers with a credit score of... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group 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Qualified borrowers can still pick up a worthwhile interest rate, providing the opportunity to finance a project, purchase or unexpected bills.From September 16 to September 21, the average fixed rate on a three-year... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/cberesford/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Colin Beresford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cberesford\/","clickType":"internal"}'>Colin Beresford</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Deputy Editor, Personal and Business Loans</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group 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class="search-page-card mb-20px pb-20px md:w-full md:pb-30px rounded-4px md:border-b-1 md:rounded-none md:border-t-0 md:border-l-0 md:border-r-0 md:flex md:flex-row-reverse border-1 overflow-hidden z-10 border-searchPage-300 "> <div class="search-page-card__image-container md:rounded-xl w-full md:w-225px h-195px sm:h-250px md:h-138px overflow-hidden mb-3 lg:mb-0"> <a href="https://www.forbes.com/advisor/personal-loans/personal-loan-rates-09-17-24/" target="_blank" class="block w-full h-full search-page-card__anchor" data-search-result-info="image" data-search-result-title="Today鈥檚 Personal Loan Rates: September 17, 2024鈥擱ates Move Down" data-search-query= "" data-search-result-position="0" data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: September 17, 2024\u2014Rates Move Down","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-09-17-24\/","clickType":"internal"}' > <img loading="lazy" class="w-full md:w-225px h-195px 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data-mktp-link='{"clickText":"Today\u2019s Personal Loan Rates: September 17, 2024\u2014Rates Move Down","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-loan-rates-09-17-24\/","clickType":"internal"}' > Today鈥檚 Personal Loan Rates: September 17, 2024鈥擱ates Move Down </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> Rates on personal loans declined last week, giving qualified borrowers a chance to pick up a fair interest rate and finance a project, purchase or even unexpected bills.From September 9 to September 14, the average fixed rate on a three-year... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a 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data-search-result-info="image" data-search-result-title="Personal and Business Loan Interest Rate Predictions Amid Potential Fed Rate Cuts" data-search-query= "" data-search-result-position="0" data-mktp-link='{"clickText":"Personal and Business Loan Interest Rate Predictions Amid Potential Fed Rate Cuts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-business-loan-rate-predictions\/","clickType":"internal"}' > <img loading="lazy" class="w-full md:w-225px h-195px sm:h-250px md:h-138px object-cover object-center" src="https://thumbor.forbes.com/thumbor/fit-in/480x/https://www.forbes.com/advisor/wp-content/uploads/2024/09/image1-20.jpg" alt="Personal and Business Loan Interest Rate Predictions Amid Potential Fed Rate Cuts"> </a> </div> <div class="search-page-card__content mx-auto md:flex-1 px-16px md:pl-0px md:pr-40px"> <p class="search-page-card__content-date font-euclidcircularb text-12px leading-20px font-medium text-searchPage-100 mb-2 md:mb-10px"> Sep 10, 2024 </p> <h2 class="search-page-card__content-heading word-break mb-3 md:mb-16px text-16px leading-21px"> <a href="https://www.forbes.com/advisor/personal-loans/personal-business-loan-rate-predictions/" target="_blank" class="font-euclidcircularb font-bold text-16px leading-21px text-black900 search-page-card__anchor" data-search-result-info="title" data-search-result-title="Personal and Business Loan Interest Rate Predictions Amid Potential Fed Rate Cuts" data-search-query= "" data-search-result-position="0" data-mktp-link='{"clickText":"Personal and Business Loan Interest Rate Predictions Amid Potential Fed Rate Cuts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/personal-business-loan-rate-predictions\/","clickType":"internal"}' > Personal and Business Loan Interest Rate Predictions Amid Potential Fed Rate Cuts </a> </h2> <p class="search-page-card__content-blog font-euclidcircularb font-normal text-sm leading-6 text-black900 hidden md:block word-break mb-12px md:mb-20px"> The Federal Reserve鈥檚 two-year-long rally to tame inflation with high interest rates appears to be ending. Economists expect a Fed Funds rate cut announcement at the next Federal Open Market Committee (FOMC) meeting on September 17-18, 2024.We talked with lending... </p> <div class="flex flex-col xl:flex-row xl:items-center "> <div class="flex flex-row flex-wrap items-center text-black900 font-euclidcircularb text-xs xl:text-sm capitalize author mr-2 mb-10px"> <span class="leading-4 xl:leading-18px mr-1">By</span> <a href="https://www.forbes.com/advisor/author/tmedine/" class="font-bold hover:underline mr-2 xl:leading-18px leading-3" data-mktp-link='{"clickText":"Taylor Medine","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tmedine\/","clickType":"internal"}'>Taylor Medine</a> <span class="search-page-card__author-role leading-4 xl:leading-18px">Staff Writer</span> </div> <div> <ul class="search-page-card__content-icons flex"> <li class="pr-16px group search-page-card__content-icon-share"> <svg width="32" height="32" viewBox="0 0 32 32" fill="none" 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Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["credible_personal_loan_rates_table_short","credible_personal_loan_rich_cta"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = ["Credible"]; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Homepage 2021', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Jonathan Jones', author_role: 'Administrator', primary_category: '', secondary_category: '', published_date: 'June 5, 2021', updated_date: 'Nov 14, 2024', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '065f7f44ed', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( 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Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } 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? product_type : ''; analyticsParams.product_id = !!product_id ? product_id : ''; analyticsParams.tracking_id = tracking_id; analyticsParams.product_position = product_position; analyticsParams.card_category_tab_name = !!card_category_tab_name ? card_category_tab_name : ''; logBankrateEvent(); sendBankrateEvent(); analyticsParams.tracking_id = ''; } } } /** * Handler to handle bankrate clicks * @param e */ function handleBankrateCtaClick(e){ var targetEl = e.target; var el; if( targetEl.tagName.toLowerCase() === 'a' ){ el = targetEl; }else{ if( Element.prototype.closest ){ el = targetEl.closest('a'); } } sendBankrateClickEvent(el); } /** * Add listeners */ function addEvents(){ var trackingElement = document.querySelectorAll('.inarticle-link-tracking'); for(var i = 0; i < trackingElement.length ;i++){ trackingElement[i].addEventListener('click',handleBankrateCtaClick); } } function initPolyfilForClosest(){ if (!Element.prototype.matches) { Element.prototype.matches = 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