Your needs will dictate which loan is best for you, regardless of credit.
- Personal loans
- Student loans
- Data analysis
- Bachelor of Arts in English, Kennesaw State University
- Master of Arts in English, North Carolina State University
Hannah Smith is a Bankrate editor specializing in personal loans. They are meticulous in their approach to ensuring users can navigate the complexities of loans with the most up-to-date and accurate information.
Prior to joining the Bankrate team, Hannah was an editor for House Method where they edited and published over 400 articles aimed at helping readers make informed decisions on home renovations and services.
Hannah currently lives in Raleigh. When they are not editing, they enjoy walking with their dog, playing tabletop games and reading.
Hannah wants you to know
Shopping around with multiple lenders is truly the key to getting the best rate for your loan. Each lender will offer different incentives, perks and rates. When I was applying for a loan to get a car, I checked with a minimum of three lenders — including a credit union — to ensure I was getting the best rate for the long term.
Hannah’s recommended readings
- Pros and cons of emergency loans
- Pros and cons of home improvement loans
- How to qualify for low-interest personal loans
Hannah's latest articles
5 min read Aug 04, 2023
The Federal Reserve, while still raising interest rates, is indicating that a rate plateau may be on the horizon. However, it’s not a given that personal loan rates will fall anytime soon. At least until [...]2 min read Jul 28, 2023
Laurel Road and SoFi are online lenders that offer personal loans with similar competitive APR ranges. Established in 2013, Laurel Road is a digital banking platform that offers various financial products [...]3 min read Jul 25, 2023
It can be challenging to get a personal loan with less-than-perfect credit. Lenders like OppLoans and NetCredit understand the struggles faced by consumers with poor credit and offer tailored lending solutions [...]3 min read Jul 25, 2023
PNC Bank and TD Bank are large regional banks offering personal loans. TD Bank offers a wide range of financial products and serves almost 10 million consumers and has physical locations mostly along the [...]3 min read Jul 21, 2023
Both Personify and Upstart are online lenders offering unsecured personal loans. While they have some similarities, they have different loan offerings and methods for evaluating loan applicants. Personify [...]3 min read Jul 21, 2023
PenFed and LightStream feature flexible personal loan products with attractive terms. Both are ideal for borrowers with good-to-excellent credit. That said, PenFed operates as a credit union, so you must [...]3 min read Jul 21, 2023
Upgrade and Fifth Third are both reputable financial institutions that offer affordable personal loans to customers with good to excellent credit. While both companies provide competitive products and [...]2 min read Jul 19, 2023