Did you know that the average American has about $38,000 in personal debt?

That’s right — taking out loans is part of life for most people, but that doesn’t mean that you shouldn’t think carefully before deciding to borrow money.

If you’re thinking of taking out a new loan and you’re a spiritual person, there’s wisdom to be gained from comparing loans to different types of crystals.

It might sound a little out there, but this is a great exercise in reframing different loans and how they could help or hinder you right now.

One loan might be perfect for those who need extra help during a difficult time, while another might be ideal if you have big ambitions — just like certain crystals.

Keep reading for a detailed look at how each of the loans below translates into its own crystal.

1. Student Loans – Lapis Lazuli

A student loan might well be the first loan you ever take out and it represents a significant investment in your future.

That’s why it’s represented by lapis lazuli, a crystal which is all about gaining new wisdom and realizing your true potential.

If you’re serious your future career and willing to work hard to make it happen, taking out student loans is a wise move. It’s the first step towards turning your long-term dreams into a reality.

2. Personal Loans – Clear Quartz

Personal loans don’t have a designated purpose — they can be used for any personal expense you deem important.

Clear quartz represents personal loans well because it’s all about gaining clarity. When you decide to take out a loan for something, you’re accepting that it’s a part of your life that’s worthy of financial investment.

Whether you’re using a personal loan to take up a new hobby or renovate your guest bedroom, make sure you take some time to get clear on your motivations.

3. Auto Loans – Citrine

Citrine is all about sunshine, energy, opportunities, and growth. This makes it the perfect match for auto loans, which help many people to buy their first vehicle.

A new car opens the world up to you, giving you loads more opportunities when it comes to employment, social life, and hobbies.

Citrine helps cultivate confidence and endurance, both of which are important when you’re driving. Keep the spirit of citrine in mind as you enjoy your new car.

4. Mortgages – Rose Quartz

Taking out a mortgage is often the first big milestone in a relationship, so it’s well represented by rose quartz, a stone often associated with love.

Rose quartz isn’t all about romantic love, though — it’s also a great stone to represent the self-love that comes with buying a house alone or the familial love that comes with buying a house for your child.

Keep a piece of rose quartz in your new home to promote peace, love, and happiness.

5. Home Equity Loans – Tree Agate

Home equity loans involve using the current value of your home to take out credit for big projects, like renovations.

Since tree agate is all about creating strong roots, it’s the ideal stone for this type of loan. Your home is the foundation of your family, and taking out loans to improve it is a wonderful way to bring everyone closer together.

If you’re in a position where you’re able to take out a home equity loan, you’ve clearly worked hard to build a solid future for yourself and your loved ones.

6. Debt Consolidation Loans – Obsidian

Debt consolidation loans are used to transfer multiple debts into one place, usually with a lower rate of interest or more manageable payment plan.

If you’re having to take out a debt consolidation loan, it’s likely that you’ve faced some financial difficulties that you’re now having to accept.

Obsidian is a stone that represents self-awareness and facing the deepest, darkest parts of ourselves. Debt is nothing to be ashamed of, and looking at your past problems square in the face is the best way to overcome them.

7. Payday Loans – Hematite

Hematite is a tough-love stone that tells you when you’re spinning out of control and need to take a step back. It can offer a much-needed reality check during times of stress.

It’s a good stone to represent payday loans, as excessive use of short-term, high-interest loans can be a sign that you need to manage your finances better.

Payday loans are a good way to borrow emergency cash once in a while, but they shouldn’t be used long-term, or to borrow more than you afford to pay back.

Click here to learn more about payday loans, but keep the grounded wisdom of hematite in mind as you do.

8. Small Business Loans – Apatite

Looking for a small business loan to take your company to the next level or start a new venture?

These loans compare well to apatite, a stone which represents passion, ambition, and creative endeavors.

Used correctly, small business loans can be a great way to jumpstart your future success. Make sure you’re considering them because you have a genuine passion for your work, and not just because you want to make a quick buck.

Keep apatite close by to strengthen your focus and help turn your business goals into a reality.

Why Compare Loans to Different Types of Crystals?

Taking out a loan is a big financial commitment, so it’s important to consider all your options before making any rash decisions.

If you’re a spiritual person, comparing loans to different types of crystals can help you to gain clarity around what’s right for you.

If a certain crystal doesn’t resonate with you right now, it might not be the right time to take out the loan that it represents. On the other hand, if you feel a strong affinity to a crystal, it could be time to take the plunge with the associated loan.

Be sure to read all the small print on any loan you do decide to take out — don’t rely on intuition alone!

For more helpful advice on money, check out the finance section of our site today.

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