Sarah Silbert

personal loan marketplace that connects borrowers with partner banks and credit unions, rather than lending money directly itself.

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Picking a student bank account isn't necessarily about finding the flashiest offer or the longest list of perks.

certificate of deposit (CD) is a safe, predictable option to park and grow your money over time. But what happens if you need that money before the term ends?

If you borrow alone, lenders may charge higher interest rates. Or you may have to loop in a qualified co-signer — and hopefully net a lower interest rate.

The better choice depends on your budget, loan term and comfort with interest-rate changes. Here's how the two options compare and how to decide which one fits your situation.

unauthorized activity on one of your credit cards . These, and any other deceptive act intended to steal your money or financial information, fall under the umbrella of financial fraud.

If you've been shopping around for personal loans online, you might be bombarded with offers touting low interest rates for applicants with excellent credit scores.

lenders have to decide to fund your loan, you might not get cash as quickly as you need. Key Takeaways

personal loans to borrowers with no or poor credit, though APRs can be as high as 299%, making it one of the more costly borrowing options available.