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Personal Loans in the USA
Compare TOP lending companies offering $1,000 - $35,000 in unsecured Personal Loans with convenient monthly payments available even for people with bad credit. Get up-to-date information and reliable reviews from our happy customers. Find the best rates from only 2,99% and up to 5 year term offered by more than 300 Direct Lenders Online or in a Loan Store near your location. APPLY NOW - Instant Same Day Decision is Guaranteed!
* Always check the lender’s rates and fees as they may vary. We give only general information. Be attentive. Borrow responsibly! It’s up to you to make a wise decision.
Cash Advance and other Money Offers in the USA:
Compare Personal Loans from Direct Lenders and Other Financial Services Online
Find the best Personal Loans offers choosing among a variety of legit reliable online and in-store lending companies.
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LEND YOU
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.
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.
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.
Check Into Cash
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.
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.
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.
Greenlight Cash
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.
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.
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.
Jora Credit
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
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.
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.
Loan By Phone
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
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.
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.
Credible
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
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.
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.
Indylend
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.
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.
The 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.
Extralend
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.
The minimum 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.
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.
Looking for a Quick Loan with NO collateral or guarantor?
Quick and Easy Personal Loans Online
Compare top online companies offering fast cash advance with no faxing, no paperwork, possibly no hard credit check and no teletrack. Filling out a free application form guarantees you instant decision and high approval chances even if you have a bad credit score.
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Personal Loans .com
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.
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.
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.
Echo Credit
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
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.
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.
Personal Loans are a fast type of credit in the amounts from $5,000 to 35,000, or even higher depending on the lender. They are offered by numerous legit online direct lenders as well as banks and credit unions. If you apply for a Personal Loan online, you may expect guaranteed instant decision and the funding within 1 - 2 business days no matter what your credit score is. Compare unsecured small low-interest Personal Loans online and choose the best deal.
Table of Contents:
Personal Installment Loans, not Payday loans?
Personal Loans online approval
How to qualify for Personal Loans online?
Why choose low interest Personal Loans online?
Personal Loans for Debt Consolidation
Home Improvement Personal Loans
No credit check Personal Loans
What is a Personal Loan?
A personal loan is $5,000 - $35,000 cash amount that any U.S. resident over the age of 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 with various time frames and different amount according to the lender’s policy and State regulations. Unlike mortgage and auto loans, a personal loan is unsecured, e.g. doesn’t require a guarantor or collateral.
How do Personal Loans work?
The process of applying for a Personal Loan online is
- quick
- easy
- safe
- Fill out a simple application form online and get the lender's decision.
- Consider the rates and terms offered and submit the loan.
- If approved, get the funds into your bank account within a few days.
Personal Installment Loans, not Payday Loans?
Personal loans are characterized by long repayment terms and high amounts of the cash advance. If you need less than $5,000 but still with several repayments, you can take an Installment Loan. If $1,000 is enough to cover your needs and you feel able to repay it with your next paycheck – apply for a Payday Loan.
Just to give you some brief information and a chance to compare the types of loans, we present the following table:
| Personal loans | Installment loans | Payday loans | |
| Legal status | legal | legal | Legal in 27 states, with some restrictions in 9 states |
| Amounts | $5,000 - $35,000 | $1,000 - $5,000 | $100 - $1,000 |
| Terms | 6 - 60 months | 6 - 60 months | 14-30 days |
| Repayment | In fixed arranged repayments | In fixed arranged repayments | With a next paycheck |
| Rates and Fees | 4.99% to 450% APR , 5% origination fee | 6.63% to 225% APR , 5% origination fee | 300%-750% APR, 10-15% fee for every 100$ borrowed |
| Collateral or guarantor | Not needed in most cases | Not needed | Not needed |
As you can see, personal loans are different from installment loans only by the amount you can borrow, with both having the same terms and other conditions. The difference with a payday cash advance is much bigger. It concerns both sums and terms. Payday APR is higher while the repayment period is considerably shorter. It’s up to you to decide how much you need and when you can pay it off. If you are still unsure, we’ll be glad to help you compare all these types of credit and the lenders offering them.
Personal Loans online approval
If you need money really fast and don't want to do any paperwork, faxing, driving, etc., choose online Personal Loans. All the process is completely online: application, verification, approval and even money transfer. Besides, getting approved for a Personal Loan online is much easier and faster. It takes only a few minutes to process your loan request and a couple of hours to approve it.
How to Qualify for Personal Loans online?
You can have up to $35,000 in cash advance deposited into your bank account as soon as 24 hours. To qualify for a loan, you only need to prepare the necessary documents and meet the simple lender's requirements.
Personal Loans requirements
- be at least 18 years of age
- live and work in the United States
- have a bank account under your personal name
- have a stable income that ensures your ability to make monthly payments to pay off the loan
What is really nice about personal loans is that all factors will be considered. And for those of you who have a bad credit history, there’s a good chance of getting a loan. 80% of our applicants get successfully approved. All loan requests are confidential and safe. Applying is free and doesn’t affect your credit history.
Guaranteed Personal Loans
Looking for 100% guaranteed Personal Loans? It seems unbelievable but actually is very close to the truth. Of course, no lender will promise you cash advance unless you meet certain requirements. But it's so easy to be eligible for online Personal Loans that in most cases you are sure to get approved for the necessary amount. Just start the online application and check if you pre-qualify in a few minutes.
Personal Loans for bad credit
When it’s decided whether or to approve you for a personal loan, it’s necessary to learn how risky of a borrower you are. To measure it, the lenders check your credit score. A credit score “is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual”1.
90% of lenders rely on your FICO (Fair Isaac Corporation) score.2 It’s based solely on your credit report and is determined by such factors as payment history, current amount of money you owe, types of credit used, length of credit history, and new credit accounts. It ranges between 300 and 850 and divides all the borrowers into 5 groups:
| Credit title | Poor | Fair | Good | Very good | Exceptional |
| Credit score | 300-579 | 580-669 | 670-739 | 740-799 | 800+ |
| What does it mean? | You may be rejected. Or you may need to pay a fee or a deposit. | To get approved may be rather difficult and the rates are likely to be higher | You are an “acceptable” borrower | You may get better interest rates from lenders | You will be easily approved for a loan |
If your credit history is far from perfect, borrowing money may turn out to be a problem as banks and many other organizations require your score to make sure you are an eligible candidate. In the case of personal loans, as well as payday and installment loans, this one criterion is not that important.
Of course, lenders have the right to check your credit, but they will consider your application regardless of your credit score. The point is that the better score you have, the more money you can get for the smaller APR. Some people take a personal loan in order to raise the level of their credit history.
Unsecured Personal Loans
Personal loans can be secured and unsecured. If you choose an unsecured loan, it means you won't need either a guarantor or collateral. You don’t have to ask your friends or relatives to sign up for you and you don’t have to sacrifice any of your property to pledge security for loan repayment. Still, you need to be careful and read the agreement closely before signing as some companies may have different conditions.
Personal Loans with a cosigner
If you can't qualify for a Personal Loan yourself, you can join a cosigner. It's like a second borrower to your loan request. You'll be both responsible for paying back the loan. If your co-signer has a good credit score, it may raise your chances of approval. Besides, you can expect lower rates if the cosigner's credit history and income are good.
Why choose a low-interest Personal Loan?
First of all, you can use a low-interest Personal Loan for any needs you have!
There are different types of Personal Loans depending on your purpose:
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Personal Loans for Debt Consolidation
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Personal Student Loans
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Personal Loans for veterans
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Personal business loans
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Home Improvement Personal Loans
You must have already noticed a great number of advantages personals loans possess. There are even more of them when using COMPACOM:
- The opportunity to compare more than 300 direct lenders both online and in-store
- Up to $35,000 cash in your account within 24 hours
- Easy to manage fixed payments
- No collateral
- No guarantor
- Suitable for borrowers with a bad credit history
- It can be used for any of your personal needs.
No credit check Personal Loans
There are a lot of myths about Personal Loans. One of the most popular ones is that you can take it out with NO credit check. Most lenders advertise this opportunity as they understand the borrowers' desire not to affect their credit history. But you must realize, a credit check is necessary both for you and the lender as it helps to evaluate risks and pay off the loan on time. With the help of this inquiry the lender will check your creditworthiness and you'll make sure you can afford this loan.
Find out more myths and facts about Personal Loans:
Still, it's possible to find a lender ready to qualify you for a loan with just a soft inquiry. It's not so harmful to your credit. Compare the different types of credit check:
Small Personal Loans
Officially, “small personal loans” are not defined anyhow but mostly the term is referred to as personal cash advance of $3,000 or less. Direct lenders usually set minimum and maximum amount limits, and what concerns Personal Loan type $3,000 or $5,000 is the minimum sum. We can help you find lenders providing these small Personal Loans, even those which count to $1,000.
For this you just need to follow 3 easy steps:
- Fill out a free application form. It’s secure and doesn’t affect your credit history.
- Get matched with more than 300 direct lenders and receive an instant decision from the most suitable of them.
- If you are approved the funds are deposited into your bank account within 1-2 business days.
Before following these steps decide on the amount you need and you can afford, choose the repayment term and plan your budget carefully not to get into debt.
Consider the following advantages of small-dollar Personal Loans:
- a wide choice of direct lenders
- high approval chances
- bad credit is not a problem
- no hard credit check
- quick and easy online application
Fast Personal Loans
Personal Loans online are really fast as the application takes only a few minutes. Lenders verify your information and take an instant decision. And in case if you meet the requirements, the funds can be deposited into your banking account within 1 - 2 business days depending on the time and day you apply.
Same day Personal Loans
Same day funding is also available if you apply for a Personal Loan online and submit the application before 11 am on any working day except Friday. If you get fast approval and the bank has time to perform the loan transaction, you're very likely to receive same-day Personal Loan.
Personal Loan calculator
The total cost of any loan depends on the interest and some additional fees. The interest depends on the APR, Annual percentage rate, which is a percentage representation of the actual yearly cost of funds over the term of a loan. In the U.S., the calculation and disclosure of APR are governed by the Truth in Lending Act (implemented by the Consumer Financial Protection Bureau3 (CFPB) in Regulation Z of the Act). Besides, there may be some additional fees, such as:
- Application fee for filling out an application form. We offer it absolutely free as do most reliable lending companies. So, make sure you don’t apply with a fee-charging payday broker.
- Verification fee (database verification fee) – sometimes charged for verifying your information in a database.
- Administration fee – paid for administrative work, very rare.
- Transmission fee – a few dollars to get your funds sent to you very quickly, in a couple of minutes.
- Extension and Rollover fee – in case you’ve defaulted a loan and been given an extension or rollover to pay it back later.
- Late payment fee – if you repay the loan late. But mostly if you let the lender know you are going to be late, they don’t charge this money.4
Find out all the details about rates and fees at your lender before signing the contract!
To learn the cost of your Personal Loan uses our calculator.
Personal Loan Calculator
Personal loans online or Personal Loans near me?
One can take out a Personal loan both online and in-store, depending on their preferences. The most obvious difference is that in-store lenders present a shop front, where customers can physically walk in and obtain money by having face-to-face communication. There is always a real person there to answer any of your questions and help with any problems you may have. Some lenders may ask you to bring some documents from your work or bank and may ask you to leave a post-dated check to secure a loan. To pay it off, you can come back to the store or do it through electronic debit. Choosing storefront personal loan lender may be the right decision for those who are taking a personal loan for the first time, feel unconfident, or lack information.
If you already have some experience with borrowing money or are good at surfing the Net and doing research, online lending will definitely suit you. In this modern age of technology and the Internet, the majority of people order food, buy clothes, book tickets, etc. online. It is not hard to borrow money online. No doubt, it’s faster, easier, and more convenient in most cases. If you fill out a free application online, it doesn’t affect your credit history since it doesn’t imply a hard check. And in a few minutes, you are connected to the direct lender. If you get approved, you get the money into your account in less than 24 hours.
Or you can use the services of a lending broker company that will provide you access to many lending organizations so that you can choose from them. Or, which seems to be the best way, use our COMPACOM website to get the chance to compare both online and in-store lenders near you- in your city or in your state - and decide whose rates and conditions suit you the best.
- the interest rates and APR
- the total amount owed
- the deadline of repayment
- any penalties in case of defaulting a loan
The minute you apply, you can stop worrying. You know that your application is safe and secure. And the whole process is easier than you can imagine.
Best Personal Loans
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.
- Pros
-
- High up to $15,000 loan amounts.
- Minimal restrictions on how you can use your loan.
- No collateral or guarantor.
- Bad credit is OK.
- Cons
-
- 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
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- 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)
- Pros
-
- You can get even as low as $50.
- Quick funding on the next business day.
- Money can be used for any personal needs.
- Cons
-
- Not available in every state.
- APR can be more than 153.73% depending on your state.
- High late payment fees.
Personal Loans by State
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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.
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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.