Personal Installment Loans can be secured and unsecured depending whether you back them up with any guarantor or collateral or not. Unsecured Personal Loans may be easier to get but a little more expensive as they seem more risky for the lender. But if you borrow wisely and plan your budget to pay off the loan on time it's a good way out, especially if you have bad credit and don't want to risk your property.

Loans for ANY  NEEDS
APR from 4.99%

Contents:

The difference between Secured and Unsecured Personal Loans.

Secured and Unsecured Personal Loans interest rates and calculator.

Bad credit Unsecured Personal Loans with No credit check.

Bad credit Secured Personal Loans.

Personal Loans secured by a real estate or with a car title.

Guaranteed instant decision Secured or Unsecured Personal Loans online.

TOP RATED COMPANIES

Rates last updated October 22nd, 2019
4.2970822281167

LEND YOU

$35,000
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 $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

4.99%
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.

None, Unsecured
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.

Available for Bad Credit

LendYou.com is the easy way to find the cash you need when you need it. You’re looking for cash to pay bills, to buy a car or maybe do some work around the house. LendYou.com has the lenders you're looking for. It's easy. It doesn't matter the size of the loan you're looking for… LendYou may be able to connect you with a lender that can help.

The loans you need, when you need them.   

4.3862275449102

Check Into Cash

$3,000
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 $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varied by state
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.

None, Unsecured
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.

Available for Bad Credit

Check Into Cash makes it fast and easy for you to get the cash you need quickly. When you go to the website, you simply complete their online application in as little as five minutes and one of their representatives will call you to take you through their secure process. There are more than 700 Check Into Cash centers nationwide. They are a national leader in affordable short-term, small dollar credit solutions. They provide online payday loans, in-store cash advance, in-store title loans, check cashing and more.

4.4223602484472

Greenlight Cash

Available for Bad Credit

Need a financial support? We’ll find you the money when you need it most! Greenlight Cash offers Online loans up to $5,000. Among other benefits are:

  • Any credit is welcome. Have less-than-perfect credit but still need a loan? It’s not a problem! Submit a request, and we’ll find a lender that will be willing to work with you.
  • Simple online process. No lines and no extra paperwork! It takes a few minutes to fill out our short online form, submit it and get a quick decision from a lender.
4.237012987013

Jora Credit

Available for Bad Credit

Jora Credit is a Lender that operates under the state specific rules for the states that it services. They are committed to the lending of responsible credit products to eligible applicants in need of emergency credit. Jora offers a simple, reliable way for customers to get a loan, and have the flexibility to repay it over a duration of time that makes sense for their lives and budget. Jora provides loans as soon as the next business day. Apply today and get $500 to $2,600 as soon as tomorrow. Get a Loan Fast!

ONLINE COMPANIES

Rates last updated October 22nd, 2019
4.1830065359477

Your Faster Payday

$5,000
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 $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6,63%
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.

None, Unsecured
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.

Available for Bad Credit

How does YourFasterPayday.com work? You’re looking for cash to pay bills, to buy a car or maybe do some work around the house. YourFasterPayday.com has the lenders you're looking for. It's easy. It doesn't matter the size of the loan you're looking for... YourFasterPayday may be able to connect you with a lender that can help. Fill out the block above to get started.

4.1258741258741

Fast Holiday Loans

$5,000
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 $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6,63%
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.

None, Unsecured
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.

Available for Bad Credit

Get cash for the holidays! Get a loan of up to $15,000 as soon as the next business day! Wrap Up the Holidays with up to $15,000 in Cash! This holiday season, get the cash you need. We’ll connect you with a lender who can provide up to $15,000 to take care of all of your holiday expenses!

Benefits:

  • Easy Online Application
  • Safe and Secure
  • Fast Decision
  • Trusted Source
4.2961165048544

Bad Credit Loans

$5,000
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 $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

5.99%
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.

None, Unsecured
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.

Available for Bad Credit

BadCreditLoans.com has been in the business of helping people since 1998. They make it simple for consumers to get the funds they are looking for online.

The company offers: 

  • Bad Credit Personal Loans
  • Bad Credit Business Loans
  • Bad Credit Credit Cards
  • Bad Credit Mortgage Loans
  • Bad Credit Home Loans
  • Bad Credit Student Loans
  • Bad Credit Auto Loans

The difference between Secured and Unsecured Personal Loans. 

Personal Loans are loans for your own personal needs, such as car purchases, travelling, holidays, dental or medical care, debt consolidation, etc. There are two types of Personal Loans: Secured and Unsecured:

  • When you borrow money and use your property as a collateral, it's called a secured Personal Loan
  • If you take out a loan without an asset, then it's called an unsecured loan.

If we compare these two types, on the one hand, secured loans often have lower interest than unsecured loans, but on the other hand, you can lose your property. Unsecured loans don't require asset, but the APR is always quite higher in comparison with secured loans. What's more, is that it's much easier to apply for an unsecured loan than for a secured one, cause you don't need so many documents and verification procedures.

Secured and Unsecured Personal Loans interest rates and calculator. 

A Secured Personal Loans interest rate starts from 5,8% to 15%. Unsecured Personal Loans interest rate varies from 7,7% to 17%. Both variants depend on your credit score: if it's good you'll get better deals. As you can see, unsecured loans have at least 2% more interest than secured ones.

Do you need to learn the total cost of your unsecured Personal Loan? Use our calculator.

Bad credit Unsecured Personal Loans with No credit check. 

A lot of lenders offer unsecured Personal Loans to customers with both good and bad credit score. The possible loan amount starts from $1,000 and may reach up to $35,000. But is it good or bad? Let's find out. If a customer has a bad credit score, it means that he failed to pay off one or more previous debts. Lenders usually see those customers as more risky clients, so the interest on the loans is often higher. Why do lenders approve applications from such subprime borrowers? What's their profit? Most people think, that there are mainly two types of lenders, who offer Personal Loans: lenders, who check your eligibility without credit score, and scams. That’s true that fair lenders always ask you to provide certain data such as: US residence verification, monthly income verification, certificate of employment. But you can also be matched with many companies ready to lend you the money even with bad credit and no credit check. Filling out a free compacom form now online will increase your chances of finding the right lender and getting approved.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

To take out an unsecured Personal Loan you just need to follow a few single steps:

  • Find a suitable lender who will offer you the funds even if you have bad credit.
  • Fill out an application form.
  • Wait for approval.
  • Get the money.

Bad credit Secured Personal Loans. 

If we talk about secured Personal Loans, there are some options too. The amount of money you can borrow is usually limited only by the value of your property. It'll be easier to get the loan and an interest will be lower, but you have to risk your property. As we’ve mentioned above you should be aware of scams: if a lender doesn't require any documents or verifications, be very careful, there’s a chance you might be cheated. The converse case is also true, fair lenders will ask you to confirm some basic information.

How to get a secured Personal Loan with bad credit?

  • Look through offers for customers with bad credit.
  • Find out if you meet the requirements or not.
  • Calculate APR and check if you’ll be able to repay the loan.
  • Submit online application.
  • Get the funds.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

Personal Loans secured by a real estate or with a car title. 

There are different types of secured Personal Loans:

  • The most common type of Personal Loans secured by real estate is mortgage. The first mortgage is a kind of loan when you buy or refinance your home. It's called so, because the lender has special rights for your property written before any other claims.
  • The second mortgage is another more popular type of secured loans. It depends on both your home net worth and equity amount.
  • Home equity line of credit (HELOC) is a real estate secured loan that functions as a credit card. You can get cash from your lenders or write checks based on your credit line amount. HELOC has two differences in comparison with other loans secured by real estate: firstly, you can borrow money as you need it, secondly, your monthly payment depends on your current loan balance.
  • Commercial Loans. Commercial loans secured by real estate are available for businesses. They usually have less attractive conditions than mortgages for people, but still are more advantageous than commercial loans secured by equipment or accounts receivable.
  • Title loan is when you use your car as a collateral and get some percentage of its price (usually from 25% to 50%, sometimes up to 90%). It's called a title loan because you can use your car throughout the whole repayment peroid. It may seem like a good option, but if you default, in many cases a lender will "repossess" your car immediately. It usually has huge interest rates (about 25% on average), it's as risky as a Payday Loan, but in the end, you can lose your car.

Guaranteed instant decision Secured or Unsecured Personal Loans online. 

There's the manual how to choose the best Personal Loan with instant decision online:

  • Decide what sum you want to borrow.
  • Calculate how much you can pay off monthly.
  • Calculate the time it'll take to repay a loan.
  • Choose a secured or unsecured type of loan.

Here are some tips that will help you get guaranteed approval for a Personal Loan from a direct lender:

  • A Secured loan is easier to get and it has lower rates, it can be a good option, if you have bad credit score.
  • Take a loan only if you are sure you can repay it.
  • The better your credit score is, the better conditions you'll be offered.
  • Always have another plan, especially if you take out a secured loan.
  • If you have good credit score, an unsecured loan can be as good as a secured one (cause you'll be offered good interest rates).
  • Choose fixed or variable interest. Fixed rate keeps your payments constant, while variable makes them more flexible, repayments can go up or down.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000