Credit cards are an easy fix, but they can easily sock you with high interest rates. U.S. households are also now turning to the personal loan market when they need cash, whether for a milestone event, such as a wedding, or to consolidate debt into a more manageable, lower rate.

According to the New York Federal Reserve Bank, balances on all household debt in the U.S. increased to $12.25 trillion in the first quarter of 2016, up $136 billion from the fourth quarter of 2015. But smart borrowing requires you to be an informed consumer. Please use our interactive tool below to find the right lender based on your unique circumstances.