Taking into account the difficult economic impact financial situation of most Americans, online direct lenders offer Personal Loans as well as Payday Loans payment or debt relief. Find out your options – apply for waived fees, rollovers, repayment plans, lower interest rates or deferred payments. Find out what help you may get from your lender.

Loans for ANY NEEDS
APR from 4.99%

What Direct Lenders offer if you can't pay off your Personal Loan?

During the coronavirus pandemic a wide range of personal loan direct lenders created special customer assistance programs.

We’ve found out a list of the best Personal Loan lenders offering certain debt relief with the description of their suggestions and the way you can qualify for them.

Avant offers Personal Installment Loans, Credit Cards and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $2000
  • MAX Loan Amount: $35000
  • Terms: Vary by state.
  • Rates and fees: 9.95% to 35.99% APR
  • Turnaround Time: 1 - 2 business day

Personal Loans

Credit Cards

  • U.S. resident with Social Security Number
  • At least 18 years old
  • Minimum credit score of 580.
  • At least $20,000 in gross annual income.
  • Low minimum credit score.
  • Refinancing option.
  • Flexible payment options.
  • No co-sign or secured loan option.
  • Does not offer direct payment to creditors for debt consolidation loans.


BestEgg offers Personal Loans, Installment Loans, Debt Consolidation Loans, Moving Loans, Vacations Loans and other money products at affordable rates and terms.

  • MIN Loan Amount: $2000
  • MAX Loan Amount: $50000
  • Terms: 3 - 5 years
  • Rates and fees: 5.99% - 29.99% APR
  • Turnaround Time: 1 - 2 business days
  • Personal Loans
  • Installment Loans
  • Debt Consolidation Loans
  • Moving Loans
  • Vacations Loans
  • 18 years old
  • U.S. citizen/permanent resident
  • SSN
  • Bank account
  • Ability to finance loans within one business day. 
  • Soft credit check with pre-qualification. 
  • Ability to change the payment date. 
  • Quick approval and funding: borrowers can be approved in just one day and receive funds in just one business day.
  • Charges a $15 late fee. 
  • Origination fee: it varies from 0.99 to 5.99 %. Most lenders do not charge this fee.


LendUp offers Payday loans, Cash advance, Short-term loans, No credit check loans, Payday advance, Online loans, Bad credit loans with a quick online application and instant decisions, 24/7. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: Varies by state
  • Terms: 7 days - 12 months 
  • Rates and fees: 30% - 1,252% APR
  • Turnaround Time: 1 business day
  • Payday loans 
  • Cash advance 
  • Short-term loans 
  • No credit check loans
  • Payday advance 
  • Online loans
  • Bad credit loans


  • be at least 18 years old
  • state your current contact number and address and a valid email address in the application
  • have a checking account that accepts electronic transfers
  • live in a state where LendUp is licensed to provide loans.
  • Transparent fees and rates;
  • Flexible repayment plan;
  • Opportunity to raise your credit score;
  • High availability even for bad credit borrowers;
  • Instant decision;
  • They are unsecured;
  • Application process is online, quick and easy.
  • Not many services. 
  • LendUp’s services are only available in seven states.


OneMain Financial offers Personal and Auto Loans as well as other money products at affordable rates online and in-store. 

  • MIN Loan Amount: $1500
  • MAX Loan Amount: $20000
  • Terms: 2 -5 years.
  • Rates and fees: 18% - 35.99% APR
  • Turnaround Time: Same day
  • Personal Loans
  • Auto Loans
  • Established credit history
  • US citizen or permanent resident
  • Meet your state’s minimum age requirement
  • Same day funding.
  • Secured loans available. 
  • Poor credit is not a problem.  
  • About 1,700 branches in 44 states.
  • Strict penalties for late payments. 
  • Available not in all states. OneMain Financial doesn’t operate in the following states: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont and Washington D.C. 
  • Must complete the applying process at a branch store. 
  • If you take out a secured loan, you'll be required a full coverage on the vehicle you use as collateral.


Payoff offers Personal Loans, Installment Loans, Debt Consolidation Loans and other money products at affordable rates and terms.

  • MIN Loan Amount: $5000
  • MAX Loan Amount: $35000
  • Terms: 2 - 5 years
  • Rates and fees: 5.99% - 24.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Installment Loans
  • Credit Cards
  • Debt Consolidation Loans
  • Be a US citizen or have a residence permit.
  • The minimum age is 18 years.
  • Credit history should be at least 3 years.
  • The borrower must have at least 640 credit rating points.
  • APR starting at 4.99%. 
  • Online loans of up to $ 35,000 in one business day. 
  • No additional fees for processing the loan. 
  • No early repayment penalties.
  •  An application cannot be submitted without specifying an SSN. 
  • The system does not offer loans with guarantors. 
  • Commission fees in the range of 0% - 5% of the loan amount. 
  • Your income must exceed debt obligations by at least 50%.


Credible offers Personal Loans, Peer-to-Peer Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $1000
  • MAX Loan Amount: $50000
  • Terms: 3 - 5 years
  • Rates and fees: starting at 6.5% APR
  • Turnaround Time: 1 - 2 business day
  • Personal Loans
  • Debt Consolidation Loans
  • Home Improvement Loans
  • Medical Loans
  • Wedding Loans
  • Moving Loans
  • U.S. citizen or permanent resident
  • At least 18 years old.
  • A full-time job
  • A regular part-time job or another source of income
  • The company offers favorable conditions for young people with little or no credit history.
  • A convenient and straightforward site interface makes navigation easy.
  • The loan calculator allows you to calculate all the available options for personal loans.
  • If the client decides to pay the debt ahead of schedule, there will be no additional commission.
  • The level of education and career growth add points to the credit rating.
  • In addition to APR, borrowers pay up to 8% for money transfers.
  • Some similar services offer a lower APR. However, they do not guarantee that each borrower will receive just such conditions.
  • If the client needs a paper copy of the check or contract, they will be provided for an additional fee.
  • Any late payment is charged a fine. This item is difficult to attribute to the minuses, since absolutely all banks and lenders work according to such a scheme.


What Personal Loan Debt Relief can you get and how to qualify?

Lender Name

What Loan Relief do they offer?

How to qualify for the loan relief?


Avant posted information to explain to the borrowers how to access their accounts online.

Just call Avant by phone, or preferably send them an e-mail.

Best Egg

Borrowers can apply for some payment options such as waived late fees and two-month loan extensions. Al the detailed information on Best Egg Personal Loans relief programs is stated on the company’s page “Coronavirus (COVID-19) Updates & Resources”


You are to fill out a survey,  send an email with a short explanation of your financial difficulties or log into your Best Egg account portal to contact a loan specialist directly.

Lending Club

Apply for a 15-day grace period to repay the loan without any penalties.

Contact LendingClub by phone or use the chat online.


LendUp made a post with useful information for those affected by the coronavirus.

Check the blog page for updates, call or email customer support.

OneMain Financial

Make payments online or via the mobile app

Contact your local loan store by phone.


Offers special programs to help members affected by the coronavirus

Contact the company by phone, email or in a chat online.


Negotiate your personal loan relief options with the lender.

Log into your online account and fill out a form


You can skip up to two monthly payments without additional interest or late payment fees during that time.

Fill out a hardship assistance request form.

This list does not include all personal loan direct lenders, so you may as well consider other top Personal Loan companies we reviewed:

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 


Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.


Other steps to follow if you can’t repay Personal loans:

While many Personal Loan lenders offer special debt relief programs, there are some other steps you could take now to help you solve financial problems:

  • First of all you should contact your Personal Loan lender and ask for assistance. You may be offered the options of 12 months paused payments, waived late fees or changing loan repayment terms.
  • Consider loan refinancing. If you qualify, you could refinance your personal loan into a new loan with an extended payment timeline and lower monthly payment.
  • Interest rates recently dropped intensely, sometimes reaching 0%, due to the Federal Reserve, so loan refinances may be a good option.
  • Cut down on unnecessary spendings and plan your budget. You can use some budget planner apps to help.
  • Try to make some extra money by selling stuff online or looking for some odd jobs.