In the United States, personal loans have become a core financial support for millions of families and individuals. As of the third quarter of 2025, the number of people holding personal loans in the U.S. reached 25.9 million, a 7% increase compared to the same period last year. Behind this trend lies their irreplaceable convenience and ability to solve real-world financial difficulties. Faced with unexpected medical bills, high-interest debt pressure, home repairs, and other needs, personal loans, with their flexibility and efficiency, have become an important tool for balancing finances. This article will analyze their core value and explain the key problems they can solve for customers.