The easiest personal loans to get: 2025’s best options
Just because a loan is easy to get approved for doesn’t mean it’s the best option.
6 min read
Jun 30, 2026
Emmanuel Nyame
Expert Reviewer, General Finance
EXPERTISE
- Social Impact Entrepreneurship
- Economic & Public Policy
- Social & Consumer Finance
- Startups & Small Business
- Financial Planning & Budgeting
EDUCATION
- Certificate in Journalism, New York University
- Certified Project Manager, PMP, Project Management Institute
- BA Economics with Mathematics, University of Ghana
Emmanuel Nyame is a member of Bankrate’s Financial Expert Review Board and CEO of Twelvenets, leading campaigns that drive community and economic growth.
With a background in economics and 16 years of experience, He spent his formative years serving business accelerators and venture capital firms, helping prepare startups for funding opportunities, including through SXSW’s Pitch program, whose finalists have raised over $23.2 billion since 2009. He also serves as a Global Communications and Engagement Specialist at the United Nations Foundation. He has led campaigns and corporate match-donation efforts, raising over $7 million for social impact initiatives.
He is a FERD’s List Europe honoree and two-time nominee for the Global Business Hall of Fame. His success in launching and effectively running a student loan campaign in high school through the Junior Achievement Company Program influenced his career path.
As a Bankrate expert reviewer, Emmanuel provides insights on social and consumer finance, economic policy, and financial planning, helping readers navigate key financial decisions with clarity and impact.
Finance is more than numbers—it’s a tool for empowerment. The right financial decisions can turn ideas into impact and vision into lasting change.
— Emmanuel Nyame
Emmanuel's latest articles
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‘Buy now, refinance later,’ they said. Mortgage rates said otherwise.
“Marry the house, date the rate,” seemed sage advice. But mortgage rates never fell, sticking some borrowers with home loans they don’t love.
6 min read Jun 30, 2026 -
Three homeowners who scored lower mortgage rates — and how they did it
Buying a home is as much about life as it is about math. Recent Bankrate research shows Americans overpay on mortgages by $65 billion a year. But three homebuyers — Maameefua Koomson, Sean Stoyanowski [...]
5 min read Jun 30, 2026 -
National average money market account rates for August 2026
Get the latest rates on top-yielding money market accounts.
2 min read Jun 28, 2026 -
Home equity loan rates tick lower, HELOC rates stand pat
HELOC rates held steady, while home equity loan rates fell a bit.
2 min read Jun 24, 2026 -
Mortgage rates hold below 6.5% as inflation wild card looms
Mortgage rates held steady this week along with inflation, remaining just below 6.5%.
3 min read Jun 24, 2026 -
How To Use 0% APR Credit Cards For Home Renovations
Key takeaways Using a credit card’s introductory APR promotional period to finance home renovation costs can help you save money. If planned correctly, your card’s intro period can become an interest-free [...]
15 min read Jun 23, 2026 -
Mortgage loan professionals are paid to close — not to get you the best rate
In a typical homebuying process, you’ll work with a pleasant and helpful mortgage loan professional. But you should know they might not have any obligation to make sure you get the lowest rate or best [...]
8 min read Jun 23, 2026
