CommonUnsecured
Unsecured Personal Term Loan
General personal-purpose borrowing
19 financing structures
Consumer & Personal Credit
Explore consumer & personal credit structures across 13 subcategories, from common products to specialized and lesser-known financing.
CommonUnsecured
Personal Line of Credit
Reusable personal borrowing capacity
CommonRevolving
Credit Card Revolving Credit
Purchases and revolving consumer credit
CommonRevolving
Credit Card Cash Advance
Cash accessed against card line
SpecializedDeposit-Secured
Savings / Share-Secured Loan
Build credit or borrow without liquidating deposit
Worth KnowingDeposit-Secured
Certificate of Deposit (CD)-Secured Loan
Borrow against CD without redeeming it
SpecializedDeposit-Related
Overdraft Line of Credit
Cover checking-account shortfalls
CommonShort-Term High-Cost
Payday Loan
Very short-term small-dollar borrowing
SpecializedAsset-Secured
Vehicle Title Loan
Borrow against owned vehicle
CommonAsset-Secured
Pawn Loan
Borrow against jewelry/electronics/other pawn collateral
SpecializedInstallment
High-Cost Consumer Installment Loan
Subprime/small-dollar installment borrowing
SpecializedTax-Related
Tax Refund Anticipation Loan
Advance against anticipated tax refund
CommonPoint-of-Sale
Buy Now, Pay Later (BNPL) Installment Credit
Split retail purchase into installments
SpecializedPayroll-Linked
Earned Wage Access / Wage Advance
Access earned wages before payday
SpecializedHealthcare
Medical Procedure Financing
Finance elective or out-of-pocket medical expenses
CommonEducation
Private Student Loan
Education costs beyond federal aid
CommonEducation
Private Student Loan Refinance
Refinance private/federal student debt into private loan
SpecializedEducation
Parent Private Education Loan
Finance dependent student's education
Worth KnowingRetirement-Plan
401(k) / Qualified Plan Participant Loan
Borrow from eligible employer retirement plan