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Can you be too old to get a personal loan?

According to the Consumer Financial Protection Bureau, the Equal Credit Opportunity Act (ECOA) makes it illegal for lenders to discriminate against credit applicants based on age. So, the answer to "can you be too old to get a personal loan?" is no, but the reality is more nuanced than a simple yes or no. The factors a lender evaluates might change in retirement, but age itself cannot be a disqualifier. This guide explores the details of how lenders assess senior applicants and outlines your options.