Loan library
Understand the product before the pitch.
Plain-English guides covering structure, costs, risks, better-use cases and state-law questions.
Everyday borrowing
6 guidesPersonal loans
A lump-sum consumer loan repaid in scheduled installments, usually without collateral and usable for many personal expenses.
Secured personal loans
A personal loan backed by an asset or deposit that the lender may claim if the borrower defaults.
Debt consolidation loans
A personal loan used to repay multiple debts, replacing them with one scheduled payment.
Credit-builder loans
A small installment loan designed to establish payment history, with proceeds commonly held until repayment is complete.
Consumer installment loans
Closed-end credit repaid through multiple scheduled payments rather than one balloon payment.
Buy now, pay later
Point-of-sale credit that divides a purchase into installments, sometimes advertised with no interest.
Home financing
5 guidesConventional mortgages
Long-term financing secured by residential real estate, commonly offered with fixed or adjustable interest.
FHA, VA and USDA home loans
Mortgages insured or guaranteed through federal programs, each with distinct eligibility, property and fee rules.
Home equity loans
A lump-sum loan secured by home equity, usually with fixed installments and a second lien.
Home equity lines of credit (HELOCs)
A revolving line secured by home equity, typically with a draw period followed by repayment.
Reverse mortgages
A home-secured product allowing eligible older homeowners to convert equity into funds, with repayment generally deferred until a maturity event.
Vehicle financing
1 guidesEducation
2 guidesFederal student loans
Education loans made through federal programs with standardized rates and federal repayment and discharge rules.
Private student loans
Education credit from banks, credit unions or finance companies, priced and underwritten under private contracts.
Short-term & high-cost
4 guidesPayday loans
A small, short-term, high-cost loan commonly due on the next payday or income date.
Auto title loans
A loan secured by a vehicle title, often short-term and high-cost, with repossession risk after default.
Pawn loans
A short-term loan in which a pawnbroker holds personal property until the borrower repays or allows the item to be sold.
Credit card cash advances
Cash borrowed against a credit-card line, commonly with a transaction fee and immediate interest accrual.
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