Reviewed by Katie Miller Fact checked by Vikki Velasquez A personal loan can help you finance a wide range of expenses, such ...

Cash-out mortgage refinancing enables you to get a loan by leveraging your home equity. CNBC Select has chosen the best lenders for cash-out refinancing.

So, check your credit score before applying for a home equity loan or HELOC. If it's less than stellar, taking steps to improve it before applying can help you secure a more attractive rate.

You may also want to consider microloans or small-business loans for bad credit. "Your credit score is one of the most important factors lenders consider when underwriting your loan application.