Personal Loans

Select personal loans offers which can be approved in minutes.
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What is a personal loan?

Personal loans are a type of installment loan. In other words, you borrow a fixed amount of money and repay it with interest in monthly installments over the life of the loan, which typically ranges from 12 to 84 months. You close your account once you have paid off your loan completely.

In order to borrow more money, you must apply for a new loan. Depending on the lender, loan amounts can range from $1,500 to $100,000. The amount you qualify for is determined by your credit score.

Based on your current financial situation, you should consider why you need the money and then choose the type of loan that's most appropriate for your needs.

What is the best reason for a personal loan?

One of the main reasons to get a personal loan is to consolidate debt. This approach can make sense if you're able to secure a low interest rate. You might be able to save money on interest if you use the money from the personal loan to pay off your other debts.

What are the qualifications?

To receive quick personal loan online, the requirements will change depending on a lending and the state where you live. Typically, though, you need to be able to provide proof of valid identification, proof of a regular income being received, and proof that you have a legitimate, active bank account.

Unlike other loans, you don’t need a spotless credit rating to receive a personal loan. As you might expect, though, the higher your income and the better your credit rating, the limit and the repayment terms will be more favorable.

How much money can I borrow?

If you want to apply online for a personal loan, the requirements will vary based on the lending institution and the state where you live. Generally, however, you will need to provide proof of valid identification, proof that you are receiving a regular income, and proof that you have an active bank account.

Personal loans don't require a perfect credit rating, unlike other loans. You may expect, however, that with a higher income and a better credit rating, your limit and repayment terms will be better.

How is my personal loan rate determined?

A combination of your credit score, how much you're borrowing, and your income determines your rates. Your credit score will be the major determinant of your rate. The better your credit score is, the better your rates will be.

Interest rates and other fees

Fees and interest rates can make a big difference in how much you'll pay over the course of the loan, and they vary widely from lender to lender. A typical rate ranges between 5% and 36%, depending on your credit score and lender. Generally, lower interest rates are associated with better credit. You're likely to pay more interest the longer your loan term is.