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There are times in life where you might find yourself needing access to more cash than you currently have on-hand. Whether you’re planning a big home renovation project, encounter an unexpected expense, or just want to consolidate your existing debt balances, borrowing money could be a great way to accomplish your financial goals.  Personal loans and home equity lines of credit (HELOCs) are two options for accessing the funds you need. While similar in some ways, they each work a bit differently and offer unique benefits for borrowers.

An unauthorized charge. A new credit card or loan that you don’t remember applying for. Hard inquiries that show up on your credit report unexpectedly, even though you haven’t been shopping around for credit.

Home values have been rising at unprecedented rates the past couple of years. In fact, according to recent data, the average homeowner is now sitting on about $186,000 in available home equity — the highest average ever on record. Most homeowners leave this equity alone until it’s time to sell their home, but that value can represent a significant financial asset and make up a notable portion of their overall net worth.

Buying a home is one of the single biggest financial decisions you can make in your adult life. Chances are that your home will come with a hefty price tag, and may even require the help of a home mortgage loan in order to make the purchase. That loan allows you to pay off the purchase price of your property over a number of years or decades. But what happens if you die while you’re still paying off that mortgage loan?

Weddings come in all sorts of shapes and sizes. But whether you’re looking to throw a small, intimate event or the blowout of the season, there is one thing that weddings often have in common: a high price tag.

Over the past two years, federal student loan borrowers have enjoyed a payment moratorium, or a pause of their monthly loan obligation. With federal loan forgiveness still up in the air, most of these borrowers are set to see their required payments return as early as September 1.

These days, the majority of car buyers take out an auto loan to help pay for their new or used vehicle purchase. These loans can range from as few as one or two years in length, all the way up to eight years or more.

Your credit score plays a vital role in many aspects of your financial life. A healthy credit history can unlock certain products and competitive loan terms, while a low score can keep you from buying a home, refinancing your student loans, or even opening the credit card account you want.