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Personal loans are the "Swiss Army knife" of finance—versatile tools that can fix a broken budget or, if mishandled, leave a mark on your credit score. Historically, these loans were so fraught with social stigma that in the 1200s, lenders were sometimes buried in separate cemeteries due to religious beliefs about interest. Today, they are a mainstream way to consolidate high-interest debt or fund everything from home repairs to (occasionally) following David Hasselhoff on tour. Prosper Personal Loans Review for 2026 - WalletHub