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See the results of our 2022 Personal Finance Study!


Loans come in all different forms and sizes, from student loans to installment loans to online loans and even bad credit loans. When applying for a loan, you’ll want to consider the loan’s interest rate, payback period, terms, and fees. Borrowers can receive loans from banks, governments, credit unions, and online lenders. 

Rates, terms, and conditions will vary based on your overall financial situation. Most lenders will review your credit report and credit score to determine whether or not they believe you can repay the loan. When you’re issued a loan, it’s a debt you’ve agreed to pay back with specified terms. 

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