In the United States, access to credit is a fundamental tool that boosts both personal finances and business development. With a variety of loan options available, consumers have a range of financial products designed to meet different needs and goals. From personal loans to mortgages and car financing, each type of loan has specific characteristics that can directly impact the borrower's choice. In this article, we will explore the main types of loans available on the American market, highlighting their particularities and essential information that can help both individuals and companies make more informed financial decisions.