Prospifi Loans
Personal loans
Secured vs. Unsecured Personal Loan: Which Fits You?
Collateral can lower a rate, and it can also cost you the asset. See which loan type suits which borrower.
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Prospifi Loan Guides and Borrowing Answers
Guides that answer one borrowing question at a time, from rates and credit scores to repair bills. Whether you came from a Prospifi search or a friend's link, start with the question on your mind.
All personal loan guides
Twelve guides answer the questions people ask before they borrow, grouped by the kind of bill they help with. Each one links to the loan type it belongs to.
Personal loans
What Is a Good Personal Loan Percentage Rate?
A good rate depends on your credit profile. Learn the typical ranges and three quick tests for any offer.
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Debt consolidation loans
Can You Use Loans for Loans to Pay Off Debt?
Borrowing to repay can cut interest or deepen the hole. Here is the test that tells the two apart.
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Debt consolidation loans
How to Lower Monthly Payments With Debt Consolidation
Rate, term and amount each move the payment. Only two of them lower the total cost as well.
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Emergency loans
Personal Loan vs. Line of Credit for Emergencies
One gives a lump sum with an end date; the other waits until you need it. See which suits an urgent bill.
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Emergency loans
I Need a Loan ASAP: What Are My Options?
Fast options ranked by speed and cost, plus the offers to avoid when time is short.
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Appliance repair loans
Should You Repair or Replace a Broken Refrigerator?
The 50% rule, typical repair prices and three worked examples for a warm fridge.
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Appliance repair loans
How to Pay for a Washer or Dryer Repair
Typical repair prices, who else might cover the bill and the payment options ranked by cost.
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Auto repair loans
Personal Loan vs. Credit Card for Car Repairs
A card wins for a quick payoff; a loan wins when you need months. See the numbers behind the verdict.
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Auto repair loans
How Much Does a Transmission Repair Cost?
Typical prices for minor repairs, rebuilds and replacements, and how to decide if the car is worth it.
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Borrowing basics
Can You Get a Loan With a Low Credit Score?
What lenders check beyond the score, what a loan costs with weak credit and where to look first.
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Borrowing basics
How to Get the Lowest Rates for Personal Loans
Ten practical steps, from credit reports to lender choice, that lower the APR on a personal loan offer.
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One request. See what lenders may offer.
Five minutes, no fee to use, and you decide whether any offer is worth accepting once you have read the numbers.