Personal loans continue to be one of the most flexible financial tools for Americans in 2026. Whether you need extra cash for medical bills, debt consolidation, home repairs, or a big life event, there’s likely a personal loan tailored for you. But with so many types of personal loans available in the USA, choosing the right one can feel overwhelming. This guide breaks down every major type of personal loan available in 2026, explaining how they work, their benefits and drawbacks, and practical tips for picking the best option. Why Personal Loans Are So Popular in 2026 The U.S. economy in 2026 has seen rising living costs and changing interest…