Sign in

Loans

Explore the different types of loans you can use to finance a home, car or college education, consolidate debt and more.

Auto loans icon

Auto loans

Loan basics icon

Loan basics

Personal loans icon

Personal loans

Student loans icon

Student loans

Mortgage icon

Mortgage

HELOC icon

HELOC

Refinance icon

Refinance

Debt icon

Debt

Take action with these tools

Best personal loans icon

Best personal loans

Fund home improvement projects, cover expenses and more.

Compare loans

Best balance transfer credit cards

Save money by transferring high-interest debt.

Best debt consolidation loans

Consolidate your debt and manage your payments easier.

Credit card payoff calculator

Calculate the number of payments you’ll need to make.

Mortgage calculator

Understand how rates affect your monthly payment and the total cost.

What others are reading

Happy man getting out of his new car

Average Car Loan Interest Rates by Credit Score

If you’re thinking about buying a car, it’s important to consider how your credit score af...

Ben Luthi profile imageBy Ben Luthi
Oct 14, 2024Auto loans

What Happens if I Return My Car to the Lender Before I Finish Paying It Off?

Karen Axelton profile imageBy Karen Axelton
Nov 20, 2020Auto loans

How to Get a Loan With Bad Credit

Louis DeNicola profile imageBy Louis DeNicola
Aug 9, 2024Personal loans

Does Paying Off a Car Loan Help or Hurt My Credit?

Karen Axelton profile imageBy Karen Axelton
Jul 20, 2019Auto loans

Which Credit Score Is Used for Car Loans?

Louis DeNicola profile imageBy Louis DeNicola
May 15, 2019Auto loans

How to Consolidate Debt With Bad Credit

Ben Luthi profile imageBy Ben Luthi
Aug 13, 2024Loans

The latest from our experts

What Increases Your Total Loan Balance?

When you apply for a loan, you expect your balance to decrease as you make your payments e...

Jennifer Brozic profile imageBy Jennifer Brozic
Apr 23, 2026Loan basics

Are Payday Loans Secured or Unsecured?

Payday loans are unsecured debt, which means you don’t have to put up any collateral to bo...

Ben Luthi profile imageBy Ben Luthi
Apr 23, 2026Personal loans

PLUS Loan Changes in 2026: What Borrowers Need to Know

If you rely on PLUS loans to help fund a degree, understanding what’s changing and when co...

Ben Luthi profile imageBy Ben Luthi
Apr 10, 2026Student loans

How Do Loan Terms Affect the Cost of Credit?

When you take out a loan, your repayment term plays a major role in how much you’ll ultima...

Ben Luthi profile imageBy Ben Luthi
Apr 10, 2026Loan basics

What Is Payday Loan Consolidation?

Payday loans are one of the most expensive ways to borrow money, with annual percentage ra...

Ben Luthi profile imageBy Ben Luthi
Apr 6, 2026Loans

What Is a No Ding Decline™ Personal Loan?

Loans labeled No Ding Decline™ let you apply with confidence, using a soft pull so your cr...

Karen Axelton profile imageBy Karen Axelton
Apr 2, 2026Loans

Car Insurance Premium vs. Deductible: What’s the Difference?

When you purchase car insurance, you’re responsible for two costs: your premium and your d...

Jennifer Brozic profile imageBy Jennifer Brozic
Apr 2, 2026Auto loans

Hybrid vs. Electric Cars: Which Offer Better Savings?

In most cases, electric vehicles (EVs) save you more money over the long term, especially ...

Ben Luthi profile imageBy Ben Luthi
Apr 2, 2026Auto loans

How to Get a $300 Loan

There are a few ways you can borrow $300 relatively quickly, from cash advance apps and pa...

Karen Axelton profile imageBy Karen Axelton
Mar 13, 2026Personal loans

What Is Underwriting?

Loan underwriting is how lenders assess the risk of extending credit to borrowers. It help...

Brianna McGurran profile imageBy Brianna McGurran
Mar 12, 2026Loan basics

How to Get a $3,000 Personal Loan

If you’re in a pinch and need $3,000 quickly, a personal loan typically offers fixed inter...

Karen Axelton profile imageBy Karen Axelton
Mar 6, 2026Personal loans

How to Get a $500 Loan

When unexpected expenses arise, a $500 loan can provide quick financial relief. There are ...

Ben Luthi profile imageBy Ben Luthi
Mar 6, 2026Personal loans

Experian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances. With innovative tools and expert guidance, we’re here to help you manage your credit, protect your identity, and save on loans, credit cards, and more. Our goal is simple: to help bring Financial Power to All™.

Support

Education & advice

Credit resources

Experian app.

Download the free Experian appCarry trusted financial tools with you

Download from the Apple App Store.Get it on Google Play.
Experian's Diversity logo.

Experian’s Inclusion and BelongingLearn more how Experian is committed

Data privacy logo.

Data privacyYour privacy choices