Avant is good for bad credit, but Upgrade is better for debt consolidation.
- 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
3 min read Sep 15, 2023
Find out all you need to know about boat loans4 min read Sep 15, 2023
Debt relief companies work with creditors to help you pay down your debts.5 min read Sep 15, 2023
Withdrawing your retirement early to pay for home projects has both pros and cons.6 min read Sep 15, 2023
Federal student loans are the best choice for most students to fund their college career.4 min read Sep 13, 2023
Mariner Finance offers loans as small as $1,000 and accepts joint applications, but applicants may have to visit a branch in one of 24 states.6 min read Sep 13, 2023
American Express offers personal loans to card members who qualify.7 min read Sep 13, 2023
One of the largest military-affiliated financial service companies in the nation, USAA offers competitive rates and fast funding on personal loans.5 min read Sep 13, 2023