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Personal Loans in the USA
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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 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.
Credible
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.
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Payday Loans USA .online
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.
Your Faster Payday
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.
Fast Holiday Loans
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.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Georgia | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Tennessee | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Montana | 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 | ||||||||
| Nebraska | 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 | ||||||||
| Texas | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Nevada | 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 | ||||||||
| Utah | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| New Hampshire | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| New Jersey | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Indiana | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| New Mexico | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Iowa | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Virginia | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Kansas | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Washington | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| North Carolina | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Kentucky | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Alabama | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| North Dakota | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Louisiana | 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 | ||||||||
| Wisconsin | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Ohio | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Maine | 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 | ||||||||
| Wyoming | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Oklahoma | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Maryland | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Oregon | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Massachusetts | legal | $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 | ||||||||
| Pennsylvania | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Michigan | 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 | ||||||||
| Rhode Island | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Minnesota | 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 | ||||||||
| South Carolina | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Mississippi | 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 | ||||||||
| Florida | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| South Dakota | legal | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| Missouri | 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 |
| Vermont | restricted | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| New York | restricted | $1,000 | $35,000 | 90 days | 60 month | 450% | None, unsecured | Yes | ||||||||
| West Virginia | restricted | $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 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Georgia | available | $3000 | None | Not set | Not set | 16% | 10% of every $100 borrowed | None, unsecured | Not set | None | None | None | Prohibited by law | Yes | ||
| New Jersey | available | None | None | None | None | 30% | None | None | None, unsecured | None | None | Not allowed | Not allowed | Not allowed | Yes | |
| North Carolina | available | None | None | None | None | 36% | Not limited | None | None, unsecured | None | None | None | None | None | Yes | |
| Arizona | available | None | n/a | None | None | 36% | 5% fee | None | None, unsecured | Not stated | None | Not stated | Not stated | Not stated | Yes | |
| District of Columbia | available | $0 | $0 | Not stated | Not stated | Not stated | 24% | None | None | None, Unsecured | Not stated | None | None | None | Not stated | Yes |
| Maryland | available | None | n/a | None | None | 33% | None | None | None, unsecured | None | None | None | None | Not stated | Yes | |
| Massachusetts | available | None | n/a | None | None | 23% | $20 administrative fee | None | None, unsecured | Not stated | None | Not allowed | Not allowed | Criminal actions are prohibited | Yes | |
| Pennsylvania | available | 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 | |
| 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 | |
| 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 | |
| Nebraska | legal | None | $500 | None | 34 days | 459% | $15 | $15 | None, unsecured | None | None | Not allowed | Not allowed | Not stated | 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| Rhode Island | legal | None | $500 | 13 days | Not stated | 260% | $10 | None | None, unsecured | 3 a year | None | One rollover | Not stated | None | Yes | |
| Minnesota | legal | None | $350 | None | 30 days | 390% | $5-$15 | Only one per loan | None, unsecured | Not limited | None | None | None | Not stated | 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| Vermont | prohibited | Payday Loans are prohibited | Small loan rate cap 18% per year | None, unsecured | Yes | |||||||||||
| New York | prohibited | Payday Loans Prohibited | Small loan rate cap 25% per year | None, unsecured | Yes | |||||||||||
| West Virginia | prohibited | Payday Loans Prohibited | $2,000 | Small loan rate cap 31% per year | None, unsecured | Yes | ||||||||||
| Arkansas | prohibited | Payday Loans Prohibited | Payday Loans Prohibited | Small loan rate cap: 17% annually | None, unsecured | Not allowed | Yes | |||||||||
| Montana | restricted | $50 | $300 | None | 31 days | 36% | None | $30, only one | None, unsecured | 1 | None | Not allowed | Not allowed | Not allowed | Yes | |
| Maine | restricted | None | $2,000 | None | None | 30% | None | None | None, unsecured | Not stated | None | None | None | Not stated | 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 | |
| South Dakota | restricted | None | $500 | Not stated | Not stated | 36% | None | Not stated | None, unsecured | Not stated | Not stated | 4 renewals | Not stated | Not stated | Yes |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Georgia | 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 | ||||||||
| Montana | 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 | ||||||||
| Nebraska | 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 | ||||||||
| Texas | 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 | ||||||||
| Illinois | 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 | ||||||||
| 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 | ||||||||
| Indiana | 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 | ||||||||
| Iowa | legal | $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 | ||||||||
| Kansas | 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 | ||||||||
| North Carolina | 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 | ||||||||
| Alabama | 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 | ||||||||
| Louisiana | 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 | ||||||||
| Wisconsin | 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 | ||||||||
| Maine | 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 | ||||||||
| Wyoming | 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 |
| Oklahoma | 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 | ||||||||
| Oregon | 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 | ||||||||
| California | 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 | ||||||||
| Michigan | 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 | ||||||||
| Rhode Island | 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 | ||||||||
| Connecticut | 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 | ||||||||
| Mississippi | 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 | ||||||||
| Florida | 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 | ||||||||
| Missouri | 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 | ||||||||
| New York | restricted | $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 | ||||||||
| Arkansas | restricted | $1,000 | $5,000 | 90 days | 36 month | 225% | None, unsecured | Yes |
Contents:
The difference between Personal Loans, Installment Loans and Payday loans.
Guaranteed approval for Personal Loans: How do I qualify for a loan?
Discover Personal Loans.
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.
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.
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.
Guaranteed approval for Personal Loans: How do I qualify for a loan?
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:
- 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.
Bad Credit Personal Loans.
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.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. 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.
Why choose a Personal Loan?
First of all, you can use it for any personal needs you have!
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.
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 ctredit check. MOst lenders advertise this opportunity as they understand the borrowers' desire not to affect their credit history. But you must realize, 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 for your credit. Compare the different types of credit check:
Small dollar Personal Loans.
Officially, “small personal loans” are not defined anyhow but mostly the term is refered 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:
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 is 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 use our calculator.
Personal Loan Calculator
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.
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.
Personal Loans by State
References
FAQ
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.
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 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”
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.
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.
CAN I GET A PERSONAL LOAN IN A BANK?
Most often Personal Loans are applied for online from direct lenders, or in a store. It's more convenient, faster and more flexible. But some borrowers prefer a traditional way of getting money from a bank.
Banks do offer Personal Loans in different amounts, but they:
- require stricter eligibility criteria such as good credit history and FICO score, bank account;
- have longer turnaround time;
- can be even more expensive due to hidden fees;
- don't always have a good customer service.
So, before choosing a bank to get a Personal Loan:
- Make sure that you have an account in this company. Maybe they will offer you some discount programme.
- Learn all the lending terms and conditions to avoid hidden fees.
- Check out all the other options, compare and choose the best one.
HOW TO CHOOSE A RELIABLE PERSONAL LOAN LEENDER?
As a responsible borrower before applying for an unsecured $5,000 - $35,000 Personal Loan you should do some research at first. Read verified reviews. Compare the rates and fees. But if you are not very good at financial questions, it’s better to use the professionals’ help, for example a comparing companies service. It will give you all the necessary information about both online and in-store lenders and their offers. You’ll be able to find the most suitable one.
Choosing a lender, pay attention to:
- the company's legal status, whether they are authorised certified lenders;
- reviews from their customers;
- their rates and fees;
- their privacy policy.
Using COMPACOM.com you make sure to get only the best offers from the top lenders. You can choose the most profitable loan and apply online, or find he nearest shop in your location.
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