Best Personal Loans for Fair Credit

All’s fair in love and credit? Not quite. For borrowers with fair credit — FICO Scores of 580 to 699 and VantageScores of 601 to 660 — finding a personal loan is often challenging. Many mainstream lenders prioritize borrowers with good or excellent credit, making it difficult (if not impossible) for fair-credit borrowers to find their financial best fit. Newer lending solutions, however, may offer loan products that come with substantial origination fees or APR.

What are your options? How do you find the best personal loans to boost your budget without breaking the bank? Using our data-driven SimpleScore methodology, we’ve compiled our top lending list. Here’s a look at the six best fair credit loans in 2021.

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      Why trust The Simple Dollar?

      The Simple Dollar focuses on simplifying insurance, credit and banking information to help you with your personal finance. We know there’s a lot to think about when it comes to money. That’s why we use our SimpleScore methodology. Our team compiles the best resources, data and recommendations to help you make the best financial decisions for you.

      We also use our SimpleScore to fairly evaluate and score lenders, products and services. The SimpleScore is our way of consolidating the right criteria to help narrow down the right option for you.

      Our team works hard to stay up to speed on the latest rates and research findings to give you evidence-based, trustworthy insight for no matter where you are in your financial journey.

      The 6 best personal loans for fair credit of 2021

      The best fair credit personal loans at a glance

      APR Range Loan Amount Term Min. Credit Credit Score SimpleScore
      Avant 9.95%–35.99% $2K–$35K 24–60 months N/A 600 3.2/5
      LendingClub 8.05%–35.89% $1K–$40K 36–60 months N/A 600 3.2/5
      Upstart 8.94%–35.99% $1K–$50K 36–60 months N/A 620 3.4/5
      Prosper 7.95%–35.99% $2K–$35K 36–60 months N/A 640 3.2/5
      Upgrade 8.99%–29.99% $1,000 to $50,000 36 or 60 months N/A 620 3.5/5
      LendingPoint 9.99%–35.99% $2K–$25K 24–60 months N/A 585 3/5

      Best for secured loans – Avant

      Feeling Avant-terous? This fair credit lender makes the personal loan journey quick and painless with next-day disbursements.

      APR Range
      9.95%–35.99%
      Loan Amount
      $2K–$35K
      Term
      24–60 months
      SimpleScore
      3.2 / 5.0
      close
      SimpleScore Avant 3.2
      Rates 2
      Loan Size 5
      Customer Satisfaction 2
      Support 4
      Fees 3

      Sometimes if you’re having trouble getting approved for a personal loan, you may have to consider using a secured loan where you put up an asset as collateral. While this isn’t always an ideal situation and does carry additional risk, it may be necessary to secure the funding you need.

      Avant is a personal loan company that allows you to put up your car as collateral to secure the loan. This may help you to get easier approval and possibly lower rates than with some of the other companies. But do be aware that if you default on your loan, the company can take your car in lieu of payment.

      Avant is all about quick approval and funding of personal loans with OK credit and notes on its website that most borrowers have credit scores between 600 and 700. Just keep in mind all Avant loans are subject to an administration fee of up to 4.75%, and APR varies significantly based on your credit score.

      Avant Disclosure

      The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Minimum loan amounts vary by state. Avant branded credit products are issued by WebBank, member FDIC.

      Best online lender – LendingClub

      Although LendingClub left the P2P lending game, it still offers a seat in the personal loans club.

      APR Range
      8.05%–35.89%
      Loan Amount
      $1K–$40K
      Term
      36–60 months
      SimpleScore
      3.2 / 5.0
      close
      SimpleScore LendingClub 3.2
      Rates 2
      Loan Size 5
      Customer Satisfaction 3
      Support 3
      Fees 3

      Peer to peer (P2P) lending is when a company connects individual investors with people looking to borrow money. LendingClub was a leader amongst P2P lenders, but recently left the space and received regulatory approval to acquire Radius Bank at the beginning of 2021. Despite P2P being off the radar for LendingClub, fair credit loans are still available. You’ll have the option to add a co-borrower if you have a lower-than-average credit score. And what’s nice about LendingClub is you can get up to $40,000 with funding available in as little as four days. You can also see loan rates without your score being impacted. You can set up automatic payments from your bank, and there are no prepayment penalties if you don’t need the money for the whole length of the loan. It’s always great to know you won’t have to pay for borrowing money for longer than you have to with LendingClub. However, you can expect an origination fee of 1%–6% when you join the club.

      LendingClub Disclosure

      All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history. The APR ranges from 8.05% to 35.89%. For example, you could receive a loan of $5,700 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at time of application. *The origination fee ranges from 1% to 6%; the average origination fee is 5.2% (as of 12/5/18 YTD).* There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months or longer.

      Best for AI approvals – Upstart

      If Upstart kicks off the robot revolution, things aren’t so bad — these AI operators are fast to fund potential borrowers.

      APR Range
      8.94%–35.99%
      Loan Amount
      $1K–$50K
      Term
      36–60 months
      SimpleScore
      3.4 / 5.0
      close
      SimpleScore Upstart 3.4
      Rates 2
      Loan Size 5
      Customer Satisfaction 4
      Support 3
      Fees 3

      The brainchild of former Google employees, Upstart leverages AI technology to evaluate more than just your credit score, making it possible for more people to access personal loans. It’s worth noting, however, that while approvals and funding happen quickly, borrowers are on the hook for 1%–8% origination fees.

      If you’re looking for personal loans with OK credit that give you a ton of flexibility, you may want to check out Upstart. Loans are available as low as $1,000 and go all the way up to $50,000. What’s really nice about Upstart is the fact you can get this much money in as little as one business day after you accept the terms of your loan. If fast-funding is part of your needs, Upstart should be towards the top of your shortlist.

      Rate-wise, the company is on par with most of the other higher-quality options out there. Repayment terms are available in three and five-year options. These do come with no prepayment penalties, so you don’t have to keep the money for longer than you need to and keep paying interest.

      Upstart Disclosure

      * The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart Platform will have an APR of 19% and 36 monthly payments of $35 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. ** Estimated savings are calculated based on the credit profiles of all loans originated by Upstart-powered lenders using the Upstart Platform as of April 1, 2019 in which the funds were used for credit card refinancing. Estimated savings are calculated by deriving current credit card APR using minimum monthly payment and 1% of the principal balance. The estimated credit card APR is then compared to the accepted loan to determine median savings per borrower. To evaluate savings on a loan you are considering, it is important to compare your actual APR from your existing debt to the APR offered on the Upstart Platform. More than 303,000 loans have been originated on the Upstart platform as of July 1, 2019. Images are not actual customers, but their stories are real. † If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and in accordance with federal law. ‡ While most of our borrowers opt for automated recurring payment for ease of use, we also accept payments by check or one time electronic payments. Borrowers have the flexibility to choose the repayment method that works best for them. 9 out of 10 Upstart users surveyed internally reported that they would recommend Upstart. †† When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus. § Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Loans are not available in West Virginia or Iowa. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5,100. The minimum loan amount in GA is $3,100.

      Best peer-to-peer lender – Prosper

      Prosper’s peer-to-peer priority powers panoramic personal loan product potential.

      APR Range
      7.95%–35.99%
      Loan Amount
      $2K–$35K
      Term
      36–60 months
      SimpleScore
      3.2 / 5.0
      close
      SimpleScore Prosper 3.2
      Rates 2
      Loan Size 5
      Customer Satisfaction 3
      Support 3
      Fees 3

      Like LendingClub, Prosper is a peer-to-peer lender — but this personal loan provider looks past your credit score to assess approvals. If you find yourself towards the top of the fair credit score range, you’re probably looking for fair credit loans that reward you for that work. Prosper has slightly higher credit score requirements than some of the other lenders out there at 640. Because of this, though, you can expect to get some of the better available interest rates possible.

      Prosper uses the peer-to-peer model for loan financing, which means full funding may take some time as money is collected from multiple investors. The advantages to Prosper are that along with your credit score, the company considers your debt-to-income ratio, bankruptcy history and number of credit bureau inquiries to determine if you’re eligible for a personal loan. Borrowers will pay between 2.41% and 5% in origination fees.

      Prosper Disclosure

      For example, a three-year $10,000 personal loan with a Prosper Rating of AA would have an interest rate of 5.31% and a 2.41% origination fee for an annual percentage rate (APR) of 6.95% APR. You would receive $9,759 and make 36 scheduled monthly payments of $301.10. A five-year $10,000 personal loan with a Prosper Rating of A would have an interest rate of 8.39% and a 5.00% origination fee with a 10.59% APR. You would receive $9,500 and make 60 scheduled monthly payments of $204.64. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% (AA) to 35.99% (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, member FDIC. Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policyfor more details. Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

      Best for building credit – Upgrade

      Level up your lending game with credit-building borrowing options from Upgrade.

      APR Range
      8.99%–29.99%
      Loan Amount
      $1,000 to $50,000
      Term
      36 or 60 months
      SimpleScore
      3.5 / 5.0
      close
      SimpleScore Upgrade 3.5
      Rates 2
      Loan Size 5
      Customer Satisfaction N/A
      Support 4
      Fees 3

      Personal loans for fair credit are available from Upgrade for as little as $1,000, which is great if you have a smaller need. The max loan size is still impressive at $35,000, which can still help out with medium or larger needs. Upgrade advertises that some of the more popularly approved uses of their loans are refinancing credit cards, debt consolidation, home improvement and major purchases. Each of these options comes with some helpful resources to walk you through the process.

      Upgrade offers easy online application and approval processes along with the ability to get “pre-approved” for loans without damaging your current credit score. In addition, Upgrade offers credit monitoring tools and online financial management education options to help borrowers improve their credit rating, but watch out for its origination fee, which ranges from 8.99%–29.99%.

      Upgrade Disclosure

      Personal loans made through Upgrade feature APRs of 7.99%-35.97%. All personal loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by WebBank, Member FDIC.

      Best for debt consolidation – LendingPoint

      Point your finances in the right direction with personal loans from LendingPoint.

      APR Range
      9.99%–35.99%
      Loan Amount
      $2K–$25K
      Term
      24–60 months
      SimpleScore
      3 / 5.0
      close
      SimpleScore LendingPoint 3
      Rates 2
      Loan Size 3
      Customer Satisfaction N/A
      Support 4
      Fees 3

      LendingPoint is looking to get borrowers out of the costly payday loans cycle by offering personal loan and consolidation options for clients with less-than-perfect credit.

      LendingPoint recognizes the risks of paying 400% interest with payday loan providers. It’s focused on supporting borrowers with less-than-perfect credit scores and histories by offering reasonable rates on personal loans to help consolidate outstanding debt. While you’ll still pay an origination fee of up to 6%, personal loans from LendingPoint can help break the payday lending cycle. The maximum loan size is a bit smaller at $25,000, but this should still be sufficient for a lot of people. Additionally, the lowest rate possible is a little higher than a few of the other available options, which might make this a less-desirable option for people towards the top of the fair credit rating spectrum.

      Check Your Personal Loan Rates

      Answer a few questions to see which personal loans you pre-qualify for. It’s quick and easy, and it will not impact your credit score.

      Get Started

      with our trusted partners at Bankrate.com

      What is a fair credit personal loan?

      The better your credit score, the easier it is to get a personal loan with a solid APR and low origination fees. So it’s no surprise that most lenders prioritize clients with great credit ratings, leaving borrowers with fair or average scores stuck with less-than-ideal options such as high-interest payday loans.

      Fair credit personal loans are exactly what it says on the tin — loans designed for borrowers with fair or average credit. While you’ll pay more in APR than borrowers with excellent credit, more lenders are now leveraging options such as peer-to-peer financing and AI assessments to speed up the approval process and fully fund loans ASAP, all without breaking your budget.

      How personal loans work

      Personal loans are offered by lenders, including traditional financial institutions and emerging financial technology (fintech) firms to qualified borrowers. To apply, borrowers must provide financial data including current income and proof of any other outstanding loans and must also agree to a credit check. The better your credit score, the more favorable your loan terms, since borrowers with higher credit ratings are lower debt-to-income ratio are considered at lower risk to miss payments or default entirely.

      • Interest: This is the percentage you have to pay in addition to the money you borrowed as the main cost of borrowing. With fair credit, you should be able to get a lower interest rate than a lot of borrowers.
      • Fees: Many personal loans with OK credit come with fees that you have to pay. Generally, these fees are upfront and should be counted into the cost of borrowing. Your fees may be lower because of your credit score, but you should expect to pay them, as even borrowers with great credit have to as well.

      [ Read: Is a Personal Loan My Best Option? ]

      What does it mean to have fair credit?

      The two most popular credit rating systems — FICO Score and VantageScore — convert their numerical score ranges into five rating categories: Poor, Fair, Good, Very Good and Exceptional. A poor rating indicates your credit score is well below that of other consumers, and most lenders will look at you as a credit risk. Your rating is negatively impacted if your credit cards and lines of credit are constantly maxed out, you have defaulted on previous loans or you have declared bankruptcy.

      [ Read: How to Raise Your Credit Score ]

      An exceptional rating, meanwhile, demonstrates your credit score is well above the consumer average. You can increase your credit score by always making payments on time, diversifying the types of credit you use and keeping your credit utilization low.

      Credit Score RatingFICO Score RangeVantageScore Range
      PoorLess than 580Less than  499
      Fair580–669500–600
      Good670–739601–660
      Very Good740–799661–780
      Exceptional800 or more781–850

      How to apply for a fair credit loan

      Wondering how to get a personal loan with fair credit? Follow these steps:

      1. Collect your financial data. This includes current proof of income and any outstanding debts, along with personal information such as your address, date of birth and Social Security number.
      2. Determine how much you need. Before applying for a fair credit loan, know how much you need and what you’ll use it for; this might include consolidating other debts or paying for large projects such as home renovations.
      3. Get quotes from multiple lenders. Most lenders offer personal loan quotes that won’t negatively impact your credit rating. Shop around to see which lender can offer you the best terms and APR.
      4. Apply online. Once you’ve found your best fit, use your prospective lender’s online application portal to provide all relevant information and request your loan amount. Approval times range from just a few minutes to a few days with most online lenders.
      5. Collect your funds. In most cases, your funded loan will be directly deposited into the bank account you specify. Some loans are fully funded the business day after approval, while others — such as peer-to-peer loans — may take longer.

      [ Read: The Best Bad Credit Personal Loans ]

      How to qualify for a fair credit personal loan

      Qualifying for a fair credit personal loan has become increasingly simple. Many lenders provide online tools so customers can check their rate without impacting their credit score. In order to qualify for a fair credit personal loan, you’ll first need to check your credit score against what the selected lender’s minimum credit requirement is. Be sure that when you shop for rates, you aren’t subjecting yourself to unnecessary credit checks as this can further damage your credit score. Read the fine print before submitting any personal information in order to prevent unsolicited hard credit checks.

      How to improve your credit score for a personal loan

      • Pay your bills on time: Payment history is often an area that lenders look at to determine loan eligibility. Making timely payments will help increase your creditworthiness and help you qualify for better personal loans.
      • Get credit for making utility and cell phone payments on time: Utilities and cell phone bills in particular have a bigger impact on restoring your credit score than other payments. If you can’t afford to pay all your bills on time, make an effort to prioritize these bills in order to get a leg up.
      • Pay off debt and keep balances low on credit cards: The less debt you have, the higher your credit worthiness. Pay off any debts you can afford to and be sure to keep balances low on your credit cards to avoid lowering your score.
      • Apply for and open new credit accounts as needed: Especially if you’re just starting to build credit, opening a new credit account might be necessary to improve your score. Just be careful not to open up too many as each new credit account will have a hard credit check attached to it, which will lower your credit score.
      • Don’t close unused credit cards: If you have a credit card that you aren’t using, hang onto it! The longer you hold a credit account, the better it will look for your score — even if you aren’t using it to make purchases.
      • Dispute inaccuracies on your credit report: Access your free credit report and be sure there aren’t any discrepancies. If there are, report them immediately to have them removed from your account. Additionally, request for good faith bad marks to be dropped as this can make a big impact.
      • Don’t apply for too many credit cards at once: Again, each time you open a credit account, you’ll undergo a hard credit check. Don’t apply for too many credit cards at once because each check results in a decrease to your score.

      Alternatives to a fair credit personal loan

      Not able to find a personal loan that works for your situation? There are plenty of alternatives that you can take advantage of that may be better suited to your needs. Some alternatives include:

      • Peer-to-peer loan: These loans are funded by investors instead of financial institutions and are better suited to individuals who may not qualify for a traditional loan.
      • Home equity loan: If you’re looking for a personal loan for home renovations, a home equity loan might be a great option — especially if you’re looking for low interest rates and are confident in your ability to adhere to the repayment plan.
      • Credit cards: If your credit is just food enough, you may be able to snag a 0% introductory APR credit card. In fact, as long as you use the card responsibly, it may even increase your credit utilization ratio and thus, your credit score.

      If you’re still unable to find a product that works for you, don’t give up hope just yet. By following the aforementioned steps to improve your credit score, you may be able to qualify for better loan products within a few months’ time.

      [ Related: The Best Credit Cards for Fair Credit]

      How to choose the best fair credit personal loan for you

      How do you know which fair credit personal loan is your best fit? Start with our simple loan checklist.

      1. Consider your needs. How much money are you looking for? Some providers offer loans of up to $25,000, while others let you borrow $50,000.
      2. Examine the APR. APR interest varies across lenders. Depending on your credit score and credit history, you could pay less than 10% or more than 35%. Get a quote from multiple lenders before making your choice.
      3. Look for hidden fees. Most fair credit personal loan lenders charge one-time origination fees that range from 2% to 10% of your loan’s total value. For example, if you take out a $10,000 loan with a 5% origination fee, you’ll receive $9,500.
      4. Take term length into account. While 36- and 60-month terms are the most common for personal loan lenders, you can also find providers that offer 24 months or customized term lengths.

      Fair credit personal loans FAQs

      There are several ways you can improve your credit before applying for a loan. First, make all of your payments on time. If you’ve been late or missed a few payments, spend a few months catching up before applying for a loan. It’s also a good idea to lower your credit utilization wherever possible.

      Absolutely. While some traditional lenders prioritize borrowers with good or excellent credit, many newer companies recognize that clients with fair credit do not represent an increased risk. While you can expect to pay higher APR and origination fees with these lenders, most consider a variety of factors for approval decisions.

      Yes. All of the lenders on our personal loans with fair credit rating list will offer loans to borrowers with a 650 credit score, so long as there’s no evidence of previous bankruptcy or pattern of late or missed payments.

      While some lenders — such as Avant — tend toward borrowers with scores over 600, others such as Upstart and Prosper consider more than your credit score to make their decision. While you’ll be paying more in APR and origination fees, these loans can help get your finances back on track.

      Personal loans are available through a broad number of direct, peer-to-peer, and marketplace lenders. Be sure to check with different financial institutions to find the best product to meet your needs.

      While more difficult, securing a personal loan with bad credit is not impossible. Many financial institutions provide personal loans to people with either no credit history or bad credit. In fact, some have no minimum credit score requirement at all.

      Everyone is different, so this really depends on your personal situation. However, we recommend the lenders outlined in this article as they offer competitive rates and a broad range of solutions for personal loans for fair credit.

      Yes and no. Securing a personal loan involves a hard credit check, which will ultimately decrease your score. Additionally, taking out a personal loan increases your debt ratio, meaning your credit score will go down. However, securing a personal loan can help you improve your credit in the long-run since you’ll have a bit of a cushion to get back in good financial standing. Plus, by making timely payments on your personal loan, you’ll naturally increase your credit score.

      We welcome your feedback on this article and would love to hear about your experience with the personal loans we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

      Last updated January 20, 2021 – Updated SimpleScore data and editorial guide.

      Methodology

      SimpleScore

      The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

      For every review, our editorial team:

      • Identifies five measurable aspects to compare across each brand
      • Determines the rating criteria for each aspect score
      • Averages the five aspect scores to produce a single SimpleScore

      Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best personal loans of 2020.

      Why do some brands have different SimpleScores on different pages?

      To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

      However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare NetCredit’s personal loans according to our criteria for the best personal loans, it scores a 2.3 out of 5. But when we compare NetCredit according to the criteria for the best bad credit personal loans, it scores considerably higher, since the criteria for the latter review are more lenient (lenders who serve borrowers with bad credit will always offer higher rates, so we needed to adjust our category methodology to account for different industry standards).

      Questions about our methodology?

      Email Hayley Armstrong at hayley@thesimpledollar.com.

      Rates

      We looked at the maximum APR for each lender — the lower their maximum rate, the higher their score.

      Loan Size

      We awarded higher scores to lenders with more generous loan sizes.

      Customer Satisfaction

      We leveraged the J.D. Power 2019 Personal Loan Satisfaction Study℠ to see how customers rated their experience with each lender. (If a lender wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

      Support

      We awarded higher scores to lenders with the most channels for customer support.

      Fees

      We looked at the three most common fees — origination, late payment, and pre-payment — and penalized lenders for each fee charged.

      Doug Bonderud

      Contributing Writer

      An award-winning finance, technology and security writer, Doug has a knack for distilling complex concepts down into actionable, readable copy that generates interest and drives engagement.

      Reviewed by

      • Courtney Mihocik
        Courtney Mihocik
        Loans Editor

        Courtney Mihocik is an editor at The Simple Dollar who specializes in personal loans, student loans, auto loans, and debt consolidation loans. She is a former writer and contributing editor to Interest.com, PersonalLoans.org, and elsewhere.