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Personal Loans in the USA

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.

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

TOP RATED COMPANIES

Rates last updated December 11th, 2018
4.4545454545455

PAYDAY LOANS USA .ONLINE

$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

Has life thrown you an unexpected financial curveball? Need a loan? Bad Credit?  Don’t look any further! PAYDAY LOANS USA .ONLINE is here for You. 100% online short-term Payday and unsecured Personal loans from some of the best direct lenders in the USA.

LEND YOU

$15,000
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. 

Lending Point

$25,000
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. But it may vary depending on the lender and his requirements.

Not stated
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

LendingPoint Personal Loans - is a verified licensed lender offering Prsonal Loans up to $25,000 as soon as the next business day. It specializes in customers with fair credit scores (in the 600s) and offers a very convenient and affordable repayment process consisting of easy, automatic, online payments.

Checking an offer will not affect your credit score.

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 is a national leader in direct lending, providing customers with affordable, short-term, small dollar credit solution. We provide Payday Advances, In-Store Cash Advances, Online Payday Loans, Title Loans, Title Pawns,Check Cashing, Western Union®, walk-in Bill Pay, and reloadable prepaid U.S. Money Cards in our centers nationwide. Check Into Cash is truly your one-stop money shop.

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. We make it simple for consumers to get the funds they are looking for online.

We offer: 

  • 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

ONLINE COMPANIES

Rates last updated December 11th, 2018
4.2352941176471

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

PenFed Credit Union Student Loans

$300,000
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.

5-15 years
Terms

It's the period of time within which you are to repay the loan.

$7,500
MIN loan amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

Available for Bad Credit

Consolidate your private and federal student loans from PenFed, the refinance company offering the best interest rates. Refinance Parent Plus loans, Spouse Loans, and Individual Student Loans.

PenFed offers competitive rates for student loans, and unique loan programs such as spouse loans, allowing individuals and couples to consolidate and refinance their federal and private student loans into a single loan.

Jora Credit

$2,600
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. But it may vary depending on the lender and his requirements.

170%
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

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!

4.2352941176471

Payday Loans Low Rates

$15,000
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

THE TYPES OF LOANS THAT WE OFFER ARE AS FOLLOWED:

Payday Loans - a short-term loan which you typically would repay by your next payday or within 30 days. Normally comes with a higher (APR).

Instalment Loans - involves equal periodical repayments over an agreed loan term. No collaterals are needed either, but the APR is normally lower compared to the one of the payday type.

4.4705882352941

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.

LOAN RULES, LAWS AND REGULATIONS.

For your convenience we present all the key details in the table below:

State Law status MIN Loan Amount MAX Loan Amount MIN. Loan Term MAX. Loan Term MIN APR MAX APR Additional fees NSF fee Collateral or guarantor Number of simultaneous loans Cooling off period Rollover Extension, repayment plan Default penalties Bad credit
Alabama legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Alaska legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Arizona legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Arkansas restricted $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
California legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Colorado legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Connecticut legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Delaware legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
District of Columbia prohibited $5,000 $35,000 6 months 72 months 6% 24% Not stated Not stated None, Unsecured Not stated None Varied Varied Not stated No
Florida legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Georgia legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Hawaii legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Idaho legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Illinois legal $1,000 $35,000 90 days 60 month 450% None, unsecured Yes
Indiana legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Iowa legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Kansas legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Kentucky legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Louisiana legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Maine legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Maryland legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Massachusetts legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Michigan legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Minnesota legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Mississippi legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Missouri legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Montana legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Nebraska legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Nevada legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
New Hampshire legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
New Jersey legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
New Mexico legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
New York restricted $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
North Carolina legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
North Dakota legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Ohio legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Oklahoma legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Oregon legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Pennsylvania legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Rhode Island legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
South Carolina legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
South Dakota legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Tennessee legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Texas legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Utah legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Vermont restricted $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Virginia legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Washington legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
West Virginia restricted $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Wisconsin legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Wyoming legal $1,000 $15,000 90 days 60 month 450% None, unsecured Yes
Apply online
State Law status MIN Loan Amount MAX Loan Amount MIN. Loan Term MAX. Loan Term MIN APR MAX APR Additional fees NSF fee Collateral or guarantor Number of simultaneous loans Cooling off period Rollover Extension, repayment plan Default penalties Bad credit
Alabama legal $100 $500 10 days 31 days 300% Not more than 17.5% of the loan $30 None, unsecured One 1 business day One rollover Repayment plan 3% a month from the default date Yes
Alaska legal None $500 14 days Not stated 520% $5 origination fee $30 None, unsecured Not limited None 2 Repayment plan Finance charge for every new repayment period Yes
Arizona restricted None n/a None None 36% 5% fee None None, unsecured Not stated None Not stated Not stated Not stated Yes
Arkansas prohibited Payday Loans Prohibited Payday Loans Prohibited Small loan rate cap: 17% annually None, unsecured Not allowed Yes
California legal None $300 None 31 days 459% 15% of the check $15 None, unsecured 1 None Not allowed Voluntary repayment plan Not stated Yes
Colorado legal None $500 6 months Not set 20% APR 20% for $0-$300 plus 7.5% for $301-$500 plus 45% for each year, plus monthly fee of $7.50 per $100 up to $30, after first month. $25 None, unsecured One None One rollover Not set Amount of a loan, plus attorney fee in case of a court Yes
Connecticut restricted None n/a Not stated Not stated 30.03% $17 interest None None, unsecured Not limited None None None Not stated Yes
Delaware legal None $1000 None 60 days Not limited Not limited None None, unsecured 5 loans a year None 4 rollovers for each loan Not stated Not stated Yes
District of Columbia restricted $0 $0 Not stated Not stated Not stated 24% None None None, Unsecured Not stated None None None Not stated Yes
Florida legal None $500 7 days 31 days 419% 10% of every $100 borrowed None None, unsecured Not set None None None Prohibited by law Yes
Georgia restricted $3000 None Not set Not set 16% 10% of every $100 borrowed None, unsecured Not set None None None Prohibited by law Yes
Hawaii legal $1 $600 14 days 32 days 459% Not more than 15% of the loan $20 None, unsecured One None None None None, prohibited by law Yes
Idaho legal None $1000 None Not limted Not limited Not limited $20 None, unsecured Not limited but maximum $1000 in total None 3 rollovers and renewals Repayment plans for at least 60 days Not stated Yes
Illinois legal None $1,000, or25% gross monthly income 13 days 120 days 403% Not more than $15.50 for $100 borrowed $15 None, unsecured 2 7 days Not allowed 55 day repayment plan None Yes
Indiana legal None $550 14 days 30 days 390% 15% of every $100 borrowed $20, once None, unsecured One from lender, two from different lenders 7 days after 6 consecutive loans None 3 extensions, repayment plan None Yes
Iowa legal None $500 None 31 days 433% $16.67 for every $100 borrowed for a fortnight $15 None, unsecured 2 None None None Criminal actions are prohibited Yes
Kansas legal None $500 7 days 30 days 390% $15 for every $100 borrowed One per loan None, unsecured 1 Not stated None None Not stated Yes
Kentucky legal None $500 14 days 60 days 459% 1$ database fee Only one for every defaulted loan None, unsecured 2 None Not allowed Not allowed Criminal actions are prohibited Yes
Louisiana legal None $350 None 60 days 780% $10 documentation fee, 16,75% of every $100 borrowed One per loan None, unsecured Not limited None Not allowed Repayment plan once a year 36% per year Yes
Maine restricted None $2,000 None None 30% None None None, unsecured Not stated None None None Not stated Yes
Maryland restricted None n/a None None 33% None None None, unsecured None None None None Not stated Yes
Massachusetts restricted None n/a None None 23% $20 administrative fee None None, unsecured Not stated None Not allowed Not allowed Criminal actions are prohibited Yes
Michigan legal None $600 None 31 days 390% $15, verification fee of maximum 15% of every $100 borrowed $25 None, unsecured 2 None Not allowed Repayment plan $15 for installment payback plan Yes
Minnesota legal None $350 None 30 days 390% $5-$15 None None, unsecured Not limited None None None Not stated Yes
Mississippi legal None $500 None 30 days 520% $20 on average $30 None, unsecured Not specified, but no more than $500 in total None Not allowed Voluntary repayment plan Not stated Yes
Missouri legal None $500 14 days 31 days can reach 1950% Not stated None None, unsecured Not limited but no more than $500 from a lender None 5 rollovers Not allowed Criminal actions are prohibited Yes
Montana legal $50 $300 None 31 days 36% None $30, only one None, unsecured 1 None Not allowed Not allowed Not allowed Yes
Nebraska legal None $500 None 34 days 459% $15 $15 None, unsecured None None Not allowed Not allowed Not stated Yes
Nevada legal None Not more than 25% of montly income None 35 days Not limited Not limited $25 None, unsecured Not limited None Allowed Allowed Not stated Yes
New Hampshire legal None $500 7 days 30 days 36% Not stated None None, unsecured 1 60 days Not allowed Not allowed Criminal actions are prohibited Yes
New Jersey restricted None None None None 30% None None None, unsecured None None Not allowed Not allowed Not allowed Yes
New Mexico legal None $2500, not more than 25% of monthly income None 35 days 416% $0,50 jf every $100 verification fee $15 None, unsecured Not limited, but not more than 25% of gross mothly income in total None Not allowed Repayment plan for over 130 days Not stated Yes
New York prohibited Payday Loans Prohibited Small loan rate cap 25% per year None, unsecured Yes
North Carolina restricted None None None None 36% Not limited None None, unsecured None None None None None Yes
North Dakota legal None $500 None 60 days 520% 20%, plus database fee $20 None, unsecured Not stated 3 days one rollover Not allowed Criminal actions are prohibited Yes
Ohio legal None $500 None 31 days 28% None None None, unsecured 1 90 days Not allowed One repayment plan Maximum $20 collection charge Yes
Oklahoma legal None $500 12 days 45 days 390% 15% maximum $25 None, unsecured 2 2 business days after 5 consecutive loans Not allowed Repayment plan made up of 4 installments Not stated Yes
Oregon legal None $50,000, not more than 25% of monthly income 31 days 60 days 36% None $20 None, unsecured Not limited 7 days 2 renewals Allowed Not stated Yes
Pennsylvania restricted None n/a None None $9.50 for $100 borrowed $1.50 service charge None None, unsecured Not stated None Not stated Not stated Not stated Yes
Rhode Island legal None $500 13 days Not stated 260% $10 None None, unsecured 3 a year None One rollover Not stated None Yes
South Carolina legal None $550 None 31 days 390% 15% maximum Not more than $10 of a check None, unsecured Not limited 2 business days after 8 consecutive loans Not allowed Repayment plan once a year Not stated Yes
South Dakota legal None $500 Not stated Not stated 36% None Not stated None, unsecured Not stated Not stated 4 renewals Not stated Not stated Yes
Tennessee legal None $500 None 31 days 459% 20% plus database fee None None, unsecured 3 but no more than $500 3 days Not allowed Not allowed Criminal actions are prohibited Yes
Texas legal Not specified Not specified Not stated 180 days 410% 10% of the loan $30 None, unsecured Not stated None Not stated Not stated 5% collection fee Yes
Utah legal None None None 10 weeks Not limited Not limited $15 None, unsecured Not limited 1 day Not allowed Once a year repayment plan None Yes
Vermont prohibited Payday Loans Prohibited Small loan rate cap 18% per year None, unsecured Yes
Virginia legal None $500 2 repayment periods Not stated 687.76% $5 verification fee $25 None, unsecured 1 1 day Not allowed One repayment plan in 4 equal installments Not stated Yes
Washington legal None $700 None 45 days 390% 15% Not stated None, unsecured 8 loans a year None Not allowed Repayment plan for 90-180 days Criminal actions are prohibited Yes
West Virginia prohibited Payday Loans Prohibited $2,000 Small loan rate cap 31% per year None, unsecured Yes
Wisconsin legal None $1500, not exceeding 35% of your monthly income Not stated 90 days Not stated Not stated $25 None, unsecured Not limited 24 hours 2 Not stated None Yes
Wyoming legal None Not limited None 1 month 780% 20% maximum but not more than $20 None None, unsecured Not limited None Not allowed Repayment plan of 4 installments Not stated Yes
Find out more Apply online
State Law status MIN Loan Amount MAX Loan Amount MIN. Loan Term MAX. Loan Term MIN APR MAX APR Additional fees NSF fee Collateral or guarantor Number of simultaneous loans Cooling off period Rollover Extension, repayment plan Default penalties Bad credit
Alabama legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Alaska legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Arizona legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Arkansas restricted $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
California legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Colorado legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Connecticut legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Delaware legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
District of Columbia legal $1,000 $5,000 6 months 36 months 36% 60% Varied Not stated None, Unsecured Not stated None Varied Varied Not stated No
Florida legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Georgia legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Hawaii legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Idaho legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Illinois legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Indiana legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Iowa legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Kansas legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Kentucky legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Louisiana legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Maine legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Maryland legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Massachusetts legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Michigan legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Minnesota legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Mississippi legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Missouri legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Montana legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Nebraska legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Nevada legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
New Hampshire legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
New Jersey legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
New Mexico legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
New York restricted $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
North Carolina legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
North Dakota legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Ohio legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Oklahoma legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Oregon legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Pennsylvania legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Rhode Island legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
South Carolina legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
South Dakota legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Tennessee legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Texas legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Utah legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Vermont restricted $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Virginia legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Washington legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
West Virginia restricted $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Wisconsin legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Wyoming legal $1,000 $5,000 90 days 36 month 225% None, unsecured Yes
Find out more Apply online

Contents:

What is a Personal Loan in the USA?

What is the difference between Personal, Installment and Payday loans?

What are the terms and amount of a Personal loan?

How do I qualify for a loan?

Can I get a Personal Loan if my credit score is bad?

How the process works. How do I repay a personal loan? 

Do I need a guarantor or collateral? 

How do I repay a Personal Loan?

Advantages of personal loans.

Personal loans online or in-store near you?

What is a Personal Loan in the USA?

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.

Interesting fact
49% of people use personal loans to pay off debt , 16% to start a business, 10% for home improvement, 5% - education, 4% car repair, and 16% for other uses.

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What is the difference between personal, installment and payday loans?

Personal loans are characterized by long repayment terms and high amounts of 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.

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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.

What are the terms and amount of a Personal loan?

Personal loans can be applied for in amounts such as $5,000, $10,000, and even up to $35,000. In case you need less money– choose an Installment or Payday type loan.

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Personal loans are a long-term cash advance. The repayment period ranges from 6 to 60 months. The sums are fixed and usually equally scheduled. If you happen to pay back all the money earlier, there are no prepayment penalties and you’ll be able to reduce additional fees. But it is better to check these conditions in the agreement before signing.

How do I qualify for a loan?

You can have up to $15000 in cash advance deposited into your bank account as soon as 24 hours. To qualify for a loan, you only need to:

  • 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.

Can I get a Personal Loan if my credit score is bad?

When it’s decided whether or to approve you for a personal loan, it’s necessary to learn how risky of a barrower 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. 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.

How the process works:

To solve all your financial problems you just need to take 3 easy steps:

  • You select the amount you want from $5,000 up to $35,000
  • Enter your zip code and e-mail address
  • Click “Apply now”

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!

The application doesn’t involve any obligations to accept a loan offered to you. There is no prepayment; it’s absolutely free. Be sure all your personal information is protected!

As we redirect it to the direct lender, you have to fill in the following information about yourself:

  • residential address
  • bank account information
  • any additional information that is required by the lender

All the personal data you submit is completely secured, so you don’t have to worry about identity or information theft at all.

Once the application is received, they will review it and approve or reject you. Lenders will examine your credit score and income. Then they might require a cosigner or ask you to put up a collateral, like a house, if your score is too low.

If you are approved, you’ll be sent another e-mail with the terms and rates from the lender’s website. Then you decide whether you want to borrow from that lender or not. The last step is that the cash is deposited into your account. It’s completely risk-free.

Do I need a guarantor or collateral? 

No. Personal loans are unsecured, which means our direct lenders don’t require 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 a security for loan repayment. Still, you need to be careful and read the agreement closely before signing as some companies may have different conditions.

How do I repay a personal loan? 

The convenience and easiness of a personal loan is in the fixed arranged repayments. You know how much and when you are to pay in advance. And if you are prepared for expenses, you will be able to calculate them accurately and do so on time.

Then there is a chance to pay off the money earlier without any prepayment penalties.

In the case that you miss a payment or default a loan, your credit score may suffer and you may get receive some penalties, or even come under the control of some debt collecting agencies. They are forbidden to take any criminal actions against you, but it can still be unpleasant to receive their constant phone calls. Be careful! Remember, your rights are preserved. For any question or complaints, contact the Consumer Protection Financial Bureau (CPFB) (855) 411-2372 2.

Advantages of 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
  • Can be used for any of your personal needs.

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Personal loans online or in-store near you?

One can take out a Personal loan both online and in-store, depending to 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.

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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.

Before signing a contract check:
  • 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.

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