— personal loan review June 2018 | — personal loan review

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If you need a personal loan fast, will do the leg work for you and connect you with a lender.

If you have less than perfect credit and find yourself in a financial emergency, you might be looking for an alternative to traditional bank loans. There are short term loans out there for you. The most important thing to keep in mind is that a short term loan is a temporary fix, not a long-term solution. A good place to begin your search is with a lender-connection service. is not a direct lender, but instead works by fitting your personal loan application with the most suitable lender from its extensive network of providers. You can apply to borrow up to $40,000, and applying for a loan with is quick and easy, with a fast turnaround time on receiving your funds.

Product Personal Loan
Min Loan Amount$200
Max. Loan Amount$40,000
Interest Rate TypeFixed
Requirements18+, have an open bank account, be employed or have regular income


  • Quick and simple process.
  • Borrow up to 40000.
  • No collateral required for approval.


  • Provider is a lending broker.
  • Can be expensive to borrow small amounts of money.
  • Fees depending on the lender you ultimately apply with.

How does work?

Follow a simple online application process to apply for a personal loan through Once you submit your application, and if you qualify, connects your application with a suitable lender. Bear in mind that this does not mean you’ll automatically be approved for a loan.

After connects your application with a lender you can expect a lender to contact you. At this point, the lender provides you with a loan contract that details the loan’s terms and also lists out all applicable fees and charges. Be sure to review this contract carefully before accepting.

Upon acceptance of the contract the lender will disburse the funds, and you can expect the money in your bank account by the next business day. You’ll have to start making repayments as per the repayment plan until you repay the loan completely.

Features of a personal loan from

These personal loans come with a number of features, and here’s what you should know before you submit your application:

  • Quick and simple process. It should take you around five to 10 minutes to complete the application, and you’ll find out if you qualify soon after you submit your application. Once you’re approved, you’ll be given an opportunity to go through the loan contract. Once you accept it, you’ll can get access to your money the following business day.
  • Borrow as much as you require. A number of short-term loans don’t allow you to borrow more than $1,000. With you can borrow as much as $40,000. The maximum amount you can borrow will depend on the state you live in, your creditworthiness, and the potential lender.
  • Repayment period options. Unlike most personal loans, which require full repayment on your next payday, can connect you with a lender with longer repayment terms.
  • Repayment flexibility. Depending on how often you can make payments, you can choose to make repayments toward your personal loan once or twice each month. If you end up paying the loan before schedule, you don’t have to worry about paying any kind of prepayment penalties.

How does compare?

Rates last updated June 18th, 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 Minimum Credit Score Max. Loan Amount APR
Best Egg Personal Loans
A prime lender with multiple repayment methods.
5.99%–29.99% (fixed)
Upgrade Personal Loans*
Affordable loans with two simple repayment terms and no prepayment penalties.
5.96%–35.97% (fixed)
LendingPoint Personal Loans
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
15.49%–34.99% (fixed)
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
4.99%–35.99% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
6.20%–15.24% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
3.09%–35.99% (fixed)
Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
6.95%–35.99% (fixed)
Laurel Road Personal Loans
Get a personal loan with no application or origination fees and a rate discount for autopay.
5.5%–11.74% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
4.99%–29.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
5.98%–35.89% (fixed)
CompareFirst Personal Loans
An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
2.99%–36% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
16.05%–35.99%* (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34%–155% (fixed)

Compare up to 4 providers

Fees and charges

Until you accept the loan contract, you have no obligations to pay any fees. The loan contract you receive from the chosen lender gives you a clear indication of all the costs you might incur as the loan progresses, and it is in your best interest to review these before accepting the contract. You will have to pay finance charges, and in case of late and deferred payments, you might have to pay late charges.

How to apply for a personal loan from

Eligibility criteria:

  • Age 18 years or older
  • Permanent U.S. resident or a U.S. citizen
  • Steady source of income and be actively employed
  • Checking or savings account that allows direct deposits

Required documents & information:

  • Your complete name, date of birth, driver’s lisence number, and Social Security number
  • Your home address, phone number and email address
  • Your employer’s name and phone number
  • Details about your income
  • Bank account details
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