Church donations are tax-deductible as charitable contributions when made to a qualified religious organization, and starting in 2026, the deduction is available to both itemizers and standard deduction takers for the first time.

Credit card fees are not tax-deductible for personal use, but they are fully deductible when charged on a card used for business or rental activity.

Union dues are not deductible on a federal income tax return for employees, but self-employed workers can deduct them as an ordinary business expense on Schedule C under IRC Section 162.

Funeral expenses are not deductible on a personal income tax return, but they are deductible on the federal estate tax return (Form 706) when paid from or charged against the estate.

Attorney fees are not tax-deductible as a personal expense, but they are deductible when directly tied to a business, rental property, or a qualifying legal claim such as an employment discrimination or whistleblower case.

Best Egg edges Prosper on price with a lower APR floor and a lower origination fee ceiling, while Prosper offers nearly twice the tenure plus DC coverage and disclosed late fee terms. Both score mostly recommended on SuperMoney, so the decision rests on whether you weight cost margin or platform tenure more heavily.

Upstart serves prime and fair-credit borrowers (620+) with APRs starting at {{upstart-personal-loans.features.interest_rate.value}}% and loans up to {{currency upstart-personal-loans.features.loan_amount.value2}}, while OppLoans serves credit-impaired borrowers (400-620) with installment loans at {{opportunity-loans.formatted.interest_rate}} up to {{currency opportunity-loans.features.loan_amount.value2}}. The decision usually isn’t preference — it’s credit access. If you qualify for Upstart, take it; OppLoans exists as a less-expensive alternative to payday lenders for borrowers who can’t access traditional credit.

Reprise Financial offers a lower {{reprise-financial-personal-loans.features.interest_rate.value}}% APR floor and accepts visa holders, while OneMain Financial accepts cosigners, offers secured loans backed by vehicle collateral, and maintains a nationwide branch network.

Reprise Financial caps origination fees at {{reprise-financial-personal-loans.features.origination_fee_pct.value2}}% and accepts applicants with a 600 VantageScore or visa holder status, while Upstart offers a lower {{upstart-personal-loans.features.interest_rate.value}}% APR floor, loans from {{currency upstart-personal-loans.features.loan_amount.value}}, and AI-driven underwriting.

Happy Money caps APR at {{happy-money-personal-loans.features.interest_rate.value2}}% on loans designed for debt consolidation, while Upstart offers a lower {{upstart-personal-loans.features.interest_rate.value}}% APR floor, loans from {{currency upstart-personal-loans.features.loan_amount.value}}, and AI-driven underwriting.