What is a Personal Loan?

A Personal Loan is $5,000 - $35,000 cash that any U.S. resident over 18 with a valid bank account and permanent income can apply for. It is given for 6 - 60 months and paid back in fixed scheduled, usually monthly, repayments. One can get a personal loan from a bank, in-store lender or online.

  • The loan will have fixed payments and reasonable interest rates, but various time frames and different amount according to the lender’s policy and the state’s regulations.
  • Unlike mortgage and auto loans, a personal loan is unsecured, e.g. doesn’t require a guarantor or collateral.
  • It's also available for Bad Credit.
  • It can be used for any personal needs.


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