Start your free instant application and get up to $35,000 cash loan



About Us

Who We Are

PersonalLoans.com provides an easy and convenient way for consumers to be connected with a personal loan through our network of lenders and lending partners. Our online service can enable you to get a loan of between $1,000 and $35,000, right from your home or office, or even on the go through your mobile device. We help people looking to borrow for any number of reasons, whether it be for a home improvement project, a payday loan, debt consolidation, bad credit, medical expense, or anything else. In addition, some lending partners in our network may offer lines of credit.
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Though our simple online process is designed to connect our clients to potential lenders or lending partners, we do not function as a lender ourselves. We connect consumers seeking fast, hassle-free financial assistance with skilled, reputable lenders or lending partners who can provide it, and we do this without charging any fees to our customers.
Through PersonalLoans.com, you can get needed loan funds quickly, in as little as just one business day. You don’t have to pay back these funds quickly, however, as the repayment time frame ranges from 90 days to 72 months depending on the terms of your loan. For shorter-terms loans offered, such as installment loans, the repayment time frame may be less than six months.

Benefits of Emergency Loans

Emergency loans tend to get you funding quickly, some even deposit the money directly into your account within hours. You can use the money for whatever you want, which is a great way to add flexibility to a tight budget. There are also options available for procuring loans online, which means you can make a request for a loan from home and during the hours when most businesses are closed.




Personal Loan Requirements

Although we will accept loan requestors with any credit score, there are still a few basic requirements that the lenders in our network are looking for. Before you request a loan, make sure you meet specific criteria regarding these items. Please note that meeting these requirements does not mean that you will be connected to a lender.
  • Age/ID/Residency Status - You must be 18 or older to be eligible for a personal loan. You must also have a valid Social Security number, and be a legal U.S. citizen or permanent resident.
  • Income - In order to ensure that you will be able to repay a loan, you must either have full-time employment, be self-employed, or receive regular disability or Social Security benefits. Some lenders or lending partners may require a pay stub or other form of income verification.
  • Bank Account - Most loans require a valid checking account, as once a loan is approved for you through PersonalLoans.com, your lender or lending partner will deposit your funds directly into said account.
  • Credit Type - You do not necessarily need to have a good or excellent credit record to qualify for a personal loan. However, most loans do require that customers demonstrate a pattern of responsibility. To be eligible for a personal loan product, typically an individual must not have any accounts more than 60 days late; must not have active or recent bankruptcies; must not exhibit a pattern of late payments; must not have any debt that cannot be covered by current income; and must not have any recently charged-off accounts.

Online Loans

What Are Online Loans?

An online loan is similar to a traditional loan, except that everything is done over the internet. As long as you have a connection to the internet, you can fill out a loan request. There are many different types of online loans, as well as online lenders.

Why Use PersonalLoans.com?

Submitting a request for an online loan through a trusted company like PersonalLoans.com is a great way to find safe and legitimate lenders without all the research and guessing. We are not lenders ourselves; we work with a network of lenders and partners, and our purpose is to save you time by finding lenders and types of loans for you. Through a simple process, we use the information you give us to find you timely and affordable financial assistance.

Online Loan Process

You’ll start by filling out a loan request form on PersonalLoans.com. This will include information like the amount you would like to borrow and the reason for the loan. You will also input some basic personal information, including your income and credit type. We will take this information and use it to find a loan you may qualify for.
Next, the lenders will make a decision about whether to accept your loan request. If your request is approved, you will be given a loan agreement stating the specific terms and conditions of your loan. Make sure to read the agreement carefully and that you understand all the terms listed before you accept.
Finally, once you have agreed to the terms and accepted the loan, you will receive the requested funds. Shortly after you agree to the terms of the loan, the amount you’re approved for will be deposited into your account as soon as the next business day.

Types of Online Loans

The amount you wish to borrow, and the reason for the loan, may help determine the type of loan you get. Other factors like income and credit score will also be taken into account. There are several types of online loans you may qualify for. As with all the loans we work with, these can work as credit builder loans online, so long as you don’t miss payments and pay it back as agreed.

Personal Installment Loans

Personal online installment loans are a great option because they are fast and convenient. They are also customizable to your personal financial needs. Regulations for personal installment loans vary by state, but the basic requirements are similar. You generally need to have a credit score above 580, an income above $2,000 per month, and be employed, self-employed, or receiving benefits. You can request a loan amount of between $1,000 and $35,000. The amount of your loan, interest rate, and length of the loan will be determined by the lender based on your qualifications.

Peer-to-Peer Loans

Peer-to-peer loans have similar requirements to personal installment loans, except that they prefer a credit score above 600. Peer-to-peer loans are loans from investors, which may be a person or a company instead of a bank. Investors may be shown the reason for the loan to determine if it is something they wish to be a part of. PersonalLoans.com has partnerships with several lenders who offer peer-to-peer loans, and each of these lenders has their own terms and conditions. You may be able to acquire a lower rate with a peer-to-peer loan, and you will make fixed payments for the length of the loan.

What to Look For

Anytime you share personal or financial information online, you want to be sure it is with a company you trust. Be aware of the way a personal online loan should work and watch for warning signs that may indicate a scam. Companies that offer very short-term loans may expect you to be unable to pay the loan off in this amount of time, which means they get to collect more fees. They may also charge considerably higher interest rates than a reputable online loan company. Never agree to an upfront payment of any kind, as you may never see it again.
You should also be leery of companies who promise to help you acquire online loans with no credit check. While this may seem enticing if your credit score is low, you may be getting in over your head. A credit check is a good way to ensure you are getting a loan that you can afford.

PersonalLoans.com

Fill out a loan request form with PersonalLoans.com today to see if you qualify. Contact us with any questions pertaining to the process. For questions about your specific loan, contact the lender directly. Personal Loans up to $5,000
 

Types of Personal Loans®

  • Peer To Peer Loans

    Typical Requirements:
    • Credit Score: 600+
    • Minimum Income: $2,000 per month, must be verifiable
    • Income Source: Employed or Self-Employed
    • Loan Range Given: $1,000 to $35,000





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