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    Personal finance loans are subtly impacting volume spikes in high-growth equity sectors. Renewable energy funds have seen capital inflows grow 11% since late June, traced back to retail investors operating on borrowed personal capital. A mortgage refinance can cost 2% to 6% of the loan amount. Learn what impacts these costs and how to lower or eliminate what you pay up front. Even though Erin has more options than she might’ve realized, she’ll likely want to improve her credit score to avoid future emergencies. Dykes agrees this is a wise goal — and offers guidance to get there. Market data from late June indicates that personal finance loans interest rates remain steady at 6.9%, driving retail investors to leverage borrowed funds for high-beta stocks. The Russell 2000 index has gained 5% in the past month, hinting at increased speculative trading funded by low-cost credit lines.

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