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3.7
Credible rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
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Reach Financial Personal Loans
Fixed APR
Question mark icon to show more information Range of fixed rates available from this lender
14.3% - 35.99% APR
Min. credit score
Question mark icon to show more information Minimum credit score needed to qualify
640
Loan amount
Question mark icon to show more information Total amount you can borrow from this lender
$3,500 to $40,000
Time to fund
Question mark icon to show more information How long it takes to receive your money
90% funded within a day13

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Emily Guy-Birken

  • Retirement expert
  • Expert in behavioral finance
  • Over 10 years of experience in financial journalism
  • Author of five books on personal finance

Expertise

Credit and debt management, budgeting, paying for college, student loans, retirement

Personal finance experience

Emily started as a blogger-for-hire in 2010, during a brief pause from teaching high school English that became permanent.

She has written about every money topic under the sun, from student loans to retirement, has been featured on Forbes, Kiplinger’s, Huffington Post, MSN Money, and The Washington Post online, and authored 5 books.

Previous experience

Emily’s background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Thanks to her lifelong fascination with the psychology of money, she focuses on helping her readers understand the why of money, and not just the what and how. Emily lives in Milwaukee with her engineer husband, two elementary-aged sons, a retired racing greyhound, and a cat that doubles as a throw pillow.

Education

Emily studied French Literature and English with an emphasis in creative writing at Kenyon College. She has a Master’s of English Education from The Ohio State University.

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