391

lucky borrowers got their applications approved today. Fill out the form so you can be the next one.

Personal Loans .com

4.7142857142857

FREE COMPACOM FORM

$100 - $1,000 PAYDAY LOANS
$1,000 - $35,000 PERSONAL LOANS

How much would you like to borrow?

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices

PersonalLoans.com provides an easy and convenient way for consumers to be connected with a Personal Loan up to $35,000 through the network of lenders and lending partners. Through PersonalLoans.com, you can get needed loan funds quickly, in as little as just one business day. You don’t have to pay back these funds quickly, however, as the repayment time frame ranges from 90 days to 72 months depending on the terms of your loan. For shorter-terms loans offered, such as installment loans, the repayment time frame may be less than six months.

MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It is often limited to a certain sum but it may vary depending on the lender and his requirements.

$35,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

5.99%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, unsecured
Terms

Terms

It’s the period of time within which you are to pay off your loan.

90 days - 72 months
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

35.99%
MIN Loan Amount

MIN Loan Amount

It’s the minimum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$1,000
MIN Credit Score

MIN Credit Score

It' the minimal FICO score that makes you eligible for the loan.

580+
MIN Income

MIN Income

It's the minimal amount of money you earn a month.

$2,000 per month
Find out more Apply online
MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $35,000 for Personal loans. But it may vary depending on the lender and his requirements.

$35,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

5.99%
Collateral or guarantor

Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $35,000 for Personal loans. But it may vary depending on the lender and his requirements.

$1,000
Terms

Terms

It’s the period of time within which you are to pay off your loan.

3 - 72 months
MIN Credit Score

MIN Credit Score

It' the minimal FICO score that makes you eligible for the loan.

580+
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

35.99%
Find out more Apply online

What Are Personal Loans?

Broadly defined, a personal loan is a type of installment loan, which means that it is repaid over time with a set number of scheduled payments. It is also a form of loan that can be utilized for practically any purpose whatsoever. This can be beneficial in any scenario where additional funds are required.

Ерун do not charge any fee or cost to submit a loan request on PersonalLoans.com. The APR on a personal loan from their network of lenders and lending partners varies, with many providers offering rates from 5.99% to 35.99% and loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender or lending partner and accept their loan agreement.

Representative example!
If you borrow $4,000 on a 2 year repayment term, the monthly repayment will be $182.74. Total repayment will be $4,385.74.

There are three types of personal loans available through our network:

  • peer-to-peer loans,
  • personal installment loans
  • bank personal loans.

APR – Annual Percentage Rate

The annual percentage rate (APR) is the annualized interest rate that you are charged on your personal loan. PersonalLoans.com is not a lending operation and doesn't provide loans, but it does refer consumers to reputable professional lenders or lending partners who can provide quick and convenient loan assistance. We don't charge fees for this service. PersonalLoans.com does not have the ability tell you the exact APR that your lender or lending partner will charge. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender or lending partner supplies to you as well.

Must know!
Your lender or lending partner will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a personal loan. We recommend that you closely view the terms of any loan offer you get. If you should require help with any PersonalLoans.com–related services, you can contact them at your convenience.

Example of a Personal Loan APR Range 

Amount Period APR Monthly Total Paid
$2,000 12 mo 24% $189.12 $2,269.44
$4,000 24 mo 12% $188.29 $4,518.96
$6,000 36 mo 12% $199.29 $7,174.29

Implications of Non-payment

Accepting the terms and conditions for a personal loan offer essentially means that you agree to repay the loan with interest in the time specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely that supplemental charges could apply. PersonalLoans.com does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition, we have no control or knowledge of the loan details between you and your lender or lending partner.

Make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents. The policy of PersonalLoans.com is to partner only with reputable, trustworthy lenders and lending partners who pursue collections of past-due loan accounts always in a fair and reasonable manner.

Potential Impact on Credit Score

Must know!
It is important for a borrower to understand that being late on a payment, missing a payment or rolling over a payment may negatively impact their credit score.

Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from credit bureaus. Failing to pay on time may negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, most loans are subject to credit approval. PersonalLoans.com may do a "soft pull" of your credit information, which will not impact your credit score. Further, the lender or lending partner that you are connected with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score.

Collection Practices

As previously stated, PersonalLoans.com is not a lending operation, and they do not get involved in the process of debt collection. As part of the loan documents your lender or lending partner will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure in any way of what those collection practices entail, we suggest that you explore that issue with the lender or lending partner. At PersonalLoans.com they are proud of our policy of only working with lenders or lending partners who pursue delinquent accounts using Fair Debt Collection Practices.

Loan Renewal Policies

Prior to accepting a particular personal loan offer, you will be presented with various loan renewal options by your lender or lending partner. Carefully look through the loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine loan renewal policies to a significant extent.

Personal loans should not be used as a long-term financial solution. At PersonalLoans.com, they always encourage borrowers to repay their loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a personal loan after borrowing it, PersonalLoans.com advises you to closely examine different loan alternatives before you take the step of requesting for loan assistance through us.

 

Personal Loans

How It Works.The Personal Loan Process

A simple online loan request process is designed to connect you with a lender or lending partner from our network to fund your loan. If successfully connected and approved, you can receive your funds in as little as one business day. You will then have anywhere from 90 days to 72 months in which to repay your loan, depending on the terms of the loan agreement. The APR for loans in the personal loan network varies, with many providers offering rates between 5.99% and 35.99%.

The entire process takes just a few easy steps:

  1. You fill out the simple loan request form here their our website, including how much money you would like to borrow, your credit type, and loan reason. The form will also require you to provide some basic personal, banking, and income information. This information will be used to determine what loan product you may be eligible for.
  2. Shortly after receiving your loan request, the affiliate lenders or lending partners will make a decision whether to approve your loan request or not based on the information given. If approved, you'll be redirected to a loan agreement with clear terms and conditions, including the amount you will need to repay and the repayment time frame. Make sure you understand key elements to your loan agreement, including the loan interest rate as well as the repayment terms before accepting the offer.
  3. Shortly after you agree to the terms of the loan agreement the funds will be sent to your bank account. The exact amount of time it takes for your funds to reach your account will depend on the time of loan approval as well as the lender or lending partner you work with, but in all likelihood you will receive the money within one to five business days, depending on your preferences and eligibility.
  4. You will then be directed to the Account Center. When you log in, you will be able to change basic information such as your contact information and password. You may also submit another request for a personal loan with the click of a button and using your existing information.
  5. They will also present other offers to you in the Account Center, depending on your account preferences. For example, we will soon be offering our customers credit report and credit monitoring services, as well as other products they may qualify for.

Personal Loan Requirements

Although they will accept loan requestors with any credit score, there are still a few basic requirements that the lenders in our network are looking for. Before you request a loan, make sure you meet specific criteria regarding these items. Please note that meeting these requirements does not mean that you will be connected to a lender.

  • Age/ID/Residency Status - You must be 18 or older to be eligible for a personal loan. You must also have a valid Social Security number, and be a legal U.S. citizen or permanent resident.
  • Income - In order to ensure that you will be able to repay a loan, you must either have full-time employment, be self-employed, or receive regular disability or Social Security benefits. Some lenders or lending partners may require a pay stub or other form of income verification.
  • Bank Account - Most loans require a valid checking account, as once a loan is approved for you through PersonalLoans.com, your lender or lending partner will deposit your funds directly into said account.
  • Credit Type - You do not necessarily need to have a good or excellent credit record to qualify for a personal loan. However, most loans do require that customers demonstrate a pattern of responsibility. To be eligible for a personal loan product, typically an individual must not have any accounts more than 60 days late; must not have active or recent bankruptcies; must not exhibit a pattern of late payments; must not have any debt that cannot be covered by current income; and must not have any recently charged-off accounts.

Meeting these requirements does not necessarily guarantee you will be approved for a personal loan, but it does significantly boost the chances that approval will occur.

Types of Personal Loans®

  1. Peer To Peer Loans


Typical Requirements:

  • Credit Score: 600+
  • Minimum Income: $2,000 per month, must be verifiable
  • Income Source: Employed or Self-Employed
  • Loan Range Given: $1,000 to $35,000
     

Peer-to-peer lenders connect borrowers directly to investors, rather than offering the loan themselves. A peer-to-peer or P2P loan means that you will be borrowing money directly from a person or company, rather than the bank. Peer-to-peer loans ensure that borrowers are paired with individuals looking to invest in a detailed note. Often your loan reason will be disclosed to the investors reviewing the notes available on the peer-to-peer lender system.

As the borrower, you will fill out a basic loan request form and post your desired loan amount. Investors will then view your listing and choose the one that best fits their specific needs. Once a deal is brokered, you will make fixed monthly payments to the investor until your loan is paid off. 

The entire process takes place online, so you will never have to leave the comfort of your own home. Requesting a loan only takes a few minutes, and if you qualify for a peer-to-peer loan you may be given a list of loan options to choose from. Many borrowers prefer peer-to-peer lending due to lower rates. 

You can borrow anywhere from $1,000 to $35,000 with a peer-to-peer loan, depending on your credit type. PersonalLoans is partnered with several peer-to-peer loan lenders and each lender has their own set of investors and terms. Peer-to-peer lenders often collect a loan origination fee of anywhere between 1 to 5% which is deducted from the loan amount given to the borrower.

Personal Installment Loans

Typical Requirements:

  • Credit Score: 580+
  • Minimum Income: $2,000 per month
  • Income Source: Employed, Self-Employed, or Benefits
  • Loan Range Given: $1,000 to $35,000
     

The personal loan installment loan process is also quick and convenient. You can request a loan online by providing basic personal and financial information. Your lender or lending partner will provide you with a loan agreement individually tailored to your financial needs. Once you accept the loan agreement, your loan will be deposited directly into your bank account. Again, review the terms of your agreement before you sign, as each lender or lending partner will have their own specific repayment process.

Consumers are encouraged to research applicable Federal and state laws, and to ask their lenders or lending partners for more information. If a lender or lending partner is wholly owned and operated by a federally recognized American Indian Tribe and sovereign government, applicable Tribal and Federal law governs its loans and related contracts, applications and documents. For example, personal installment loans can vary by state. Each state has its own rules and regulations for personal loans, so your loan amount and rate will depend on where you live. Also, your loan amount, APR and length of loan may depend on a variety of factors that lenders or lending partners use including your credit score and repayment history.

 

Bank Personal Loans

Typical Requirements:

  • Credit Score: 580+
  • Minimum Income: $3,000 per month
  • Income Source: Employed or Self-Employed
  • Loan Range Given: $1,000 to $35,000
     

A bank personal loan provides one-on-one local service to borrowers who would like to request a loan in person at their local bank. First by phone or in person and provide your personal information for the loan. Some banks even allow you to request a loan online as well. If you request a loan online you will likely be directed to the nearest local branch to complete the loan request process in person. After you are approved, you will either receive the funds at the branch or they will be deposited to your bank account.

You may be eligible for a bank personal loan up to $35,000, and you can discuss the individual terms and payment options at your local branch. Most bank personal loans have fixed rates, and may provide you with money the same day, if approved by noon.

Personal Loans .com CUSTOMER REVIEWS

7 Reviews