Retirement
Should I take a 401(k) loan or personal loan?
Quick Answer
A 401(k) loan offers low rates (Prime+1–2%) and no credit pull but risks immediate repayment on job change and lost market growth. Personal loans cost 8–25% APR but don’t touch retirement. Pick a 401(k) loan only with stable employment.
Warren Team
Updated April 26, 2026
38
Warren Team
Updated April 26, 2026
38
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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