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Hello, and thank you for your question. You can always apply for a loan. And while 68% is high for utilization, it's only one part of your entire credit picture. In fact, utilization comprises 30% of your FICO score. The rest of it depends on your credit history, length of history, new accounts and inquiries and mix of credit. The higher your credit score, the more choices in personal loans you'll Read More

Thank you for your question. One advantage of personal loans is their speedy application process and delivery. In many cases, you can get your conditional approval within one business day and your money within a week.   Read More