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PersonalLoans.com borrowing options

PersonalLoans.com lets you apply for a personal loan regardless of your credit score.

PersonalLoans.com is a loan-connection service that gives you a convenient way to get a suitable personal loan through its nationwide network of lenders. This service provider lets residents of most American states apply for loans. Depending on the state you reside in, you may get to choose from different kinds of loans.

PersonalLoans.com is not a direct lender. While it connects you with reputable lenders, it does not charge any fees for the service it provides. Apart from helping borrowers get personal loans, this business participates in events and sponsorships that support local communities.

PersonalLoans.com Loan Connection Service

PersonalLoans.com Loan Connection Service

PersonalLoans.com could connect you with up to $35,000 as alternative to bank personal loans. Rates personalized based on your credit score.

  • Recommended Credit Score: 580
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $35,000
  • Loan Term: Varies
  • Turnaround Time: 1-2 business days
  • Total Costs: Depends on your credit score.
  • Consolidate loans or pay off high interest debt
  • Confidential and secure online application!

    Compare PersonalLoans.com to other lenders

    Rates last updated February 21st, 2018

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    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Max. Loan Amount APR
    Even Financial Personal Loans
    Get connected to competitive loan offers instantly from top online consumer lenders.
    580
    $100,000
    From 4.99% (fixed)
    LendingClub Personal Loan
    A peer-to-peer lender offering fair rates based on your credit score.
    660
    $40,000
    From 5.99% (fixed)
    CompareFirst Personal Loans
    An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
    580
    $100,000
    From 2.99% (fixed)
    Upgrade Personal Loans*
    620
    $50,000
    From 5.66% (fixed)
    Laurel Road Personal Loans
    Get a personal loan with no application or origination fees and a rate discount for autopay.
    680
    $45,000
    From 5.5% (fixed)
    FreedomPlus Personal Loans
    Consolidate debt and more with these low-interest loans. Cosigners welcome.
    640
    $35,000
    From 4.99% (fixed)
    Best Egg Personal Loans
    640
    $35,000
    From 5.99% (fixed)
    Prosper
    Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
    640
    $35,000
    From 5.99% (fixed)
    LendingPoint Personal Loans
    Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
    600
    $25,000
    From 15.49% (fixed)
    NetCredit Personal Loan
    Check eligibility in minutes and get a personalized quote without affecting your credit score.
    550
    $10,000
    From 34% (fixed)

    Compare up to 4 providers

    Types of personal loans that are available

    Laws and regulations that govern personal loans vary from state to state, which has a bearing on the loans that you can apply for through PersonalLoans.com. Depending on the state you live in, your options include:

    • Peer-to-peer loans. These loans connect borrowers with investors directly. PersonalLoans.com pairs you with an individual or group looking to invest in a detailed note. You start by submitting a basic loan request, which investors then view and consider if it suits their needs. If an investor lends you money, you repay the loan in fixed monthly payments. You can borrow $4,000 to $35,000 through a peer-to-peer loan. These loans tend to attract loan origination fees. You would typically need a credit score of over 600 to qualify.
    • Personal installment loans. Personal installment loan regulations vary by state. This affects how much you can borrow as well as how much interest you may end up paying. However, the loan amount, APR and loan term also depend on factors such as your creditworthiness and your repayment history. You can borrow from $1,000 to $20,000, depending on your state laws, and your eligibility. A credit score of 580 or higher is required to successfully apply. Learn more about online installment loans.
    • Bank personal loan. This loan type is ideal if you want to get a personal loan through a local bank. You can provide any additional required information in person, over the phone or online. In any case, you may have to visit a branch to complete some formalities. Upon approval, you can receive funds at a branch or through an electronic transfer. You may qualify for a loan of up to $35,000, depending on multiple factors. You would need a credit score of 580 or more to qualify.

    What benefits does PersonalLoans.com offer?

    Here’s why you might consider applying for a loan through PersonalLoans.com:

    • Simple process. You can apply for a personal loan through PersonalLoans.com from anywhere, provided you have access to an Internet-enabled device.
    • Use money for a variety of purposes. PersonalLoans.com lets you apply for personal loans for different reasons. You can get a loan to meet medical expenses, carry out a home improvement project, repair an automobile, go on a holiday, consolidate debt or for any other legitimate purpose.
    • Payments. You will make payments towards your loan once every two weeks or monthly, depending on your pay schedule or your lender’s terms. Funds are deducted automatically from your securely linked bank account, so you don’t have to worry about missing payments.
    • Interest. The APR you end up paying depends on the state you reside in as well as the lender that PersonalLoans.com connects you with, and can vary from 5.99%
    • Transparent loan costs. You may have to pay other fees and charges, which your lender discloses through your loan’s terms and conditions. These can include loan origination fees, late charges, NSF fees and loan renewal fees.
    • Varied loan term. PersonalLoans.com loan terms vary from 0.50 year to 6 years. The length mostly depends on the terms that your lender provides.
    • Prepaying. You don’t have to pay any prepayment penalty if you repay your loan ahead of time. If you pay the loan before schedule you only pay interest for the period you take to repay the loan.

    How can you apply for a loan on PersonalLoans.com?

    Applying for a loan through PersonalLoans.com is easy. To get started now simply click on the “Go to Site” button. Applying requires that you meet these eligibility criteria:

    • You are 18 years of age or older
    • You are an American citizen or a permanent resident of the US
    • You have a valid Social Security number
    • You are employed full-time, self-employed or receive regular disability or Social Security benefits

    Completing the application requires that you provide basic personal information:

    • Your name, home address, email address and phone number
    • Details about your employment and income
    • Details of your operational checking account
    • Details from your driver’s license, military ID, passport or state ID

    Frequently asked questions

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    US Personal Loans Offers

    Important Information*
    Even Financial Personal Loans

    Get connected to competitive loan offers instantly from top online consumer lenders.

    Prosper

    Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

    LendingClub Personal Loan

    A peer-to-peer lender offering fair rates based on your credit score.

    SoFi Personal Loan Fixed Rate (with Autopay)

    Borrow up to $100,000 with a competitive APR and no fees.

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    2 Responses

    1. Default Gravatar
      AngelinaMarch 23, 2017

      I need a $10,000 loan. Thank you

      • Staff
        HaroldJuly 12, 2017Staff

        Hi Angelina,

        Thank you for your inquiry.

        Personal installment loan regulations vary by state. This affects how much you can borrow as well as how much interest you may end up paying. However, the loan amount, APR and loan term also depend on factors such as your creditworthiness and your repayment history. You can borrow from $1,000 to $20,000, depending on your state laws, and your eligibility. A credit score of 580 or higher is required to successfully apply.

        I hope this information has helped.

        Cheers,
        Harold

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