What We Can Offer You

During uncertain economic times many people can find themselves faced with a situation where they could use some financial assistance. Whether it be for an emergency, home improvement, consolidating debt or even a family vacation – a personal loan can be a safe and reliable way to meet your financial needs.

At PersonalLoans.com, we specialize in quickly and efficiently connecting you to a loan that may work for you. Compared to other loan options, our lenders may offer greater flexibility with how much a person can borrow. Utilizing our comprehensive network, you could be offered as much as $35,000.

What Are Personal Loans?

Broadly defined, a personal loan is a type of installment loan, which means that it is repaid over time with a set number of scheduled payments. It can generally be utilized for any purpose whatsoever, from car repair, to credit card debt consolidation. These loans are available from traditional brick-and-mortar banks as well as newer online lending institutions.

There are three types of personal loans available through our network: peer-to-peer loans, personal installment loans and bank personal loans. You can learn more about these products by viewing the How It Works page on our site.

Request a Loan for your Needs

We do not charge any fee or cost to submit a loan request on PersonalLoans.com and there is no obligation to agree to the terms of any loan offer presented to you. The APR on a loan from our network of lenders varies, with many providers offering rates from 5.99% to 35.99% and loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender and accept their loan agreement.

You are not guaranteed the lowest rate available when submitting a request. Borrowers are encouraged to explore all available options to make sure they are receiving rates that works for them. Your funds may not be available for 1 business day or more. Rates and terms will vary and you are strongly encouraged to thoroughly review the offer you may ultimately be presented.

Simple and Secure Online Loans

We understand that searching for a loan can often be a daunting and confusing task, especially given the wide array of options that are available. We had this in mind when we created PersonalLoans.com. Every aspect of our online experience has been designed and optimized with the customer in mind. We strive to offer you the most innovative and user friendly experience possible.

Given that each individual lender is looking for a particular type of customer, many people end up getting turned down multiple times for any number of reasons – which can sometimes be as simple as living in the wrong state. What makes PersonalLoans.com unique is that we have assembled one of the largest networks of lenders available anywhere.

When you submit a loan request on our short request form, our proprietary technology evaluates your request and searches for potential lenders.

With our simple three-step request process, it is easy to find out if you qualify for the help you need, and enjoy financial security. If you have any questions, our in-house customer support team is standing by and ready to help.

To begin the process of requesting funds, please visit our Get Started page.

Important Information

APR - Annual Percentage Rate

The annual percentage rate (APR) is the annualized interest rate that you are charged on your loan. PersonalLoans.com is not a lending operation and doesn't provide loans, but it does refer consumers to professional lenders who can provide quick and convenient loan assistance. We don't charge fees for this service. PersonalLoans.com does not have the ability to tell you the exact APR that your lender will charge. Annual percentage rates and terms can vary based on not only the information that you supply in your initial loan request, but the information that your lender supplies to you as well.

Your lender will give you the details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a personal loan. We recommend that you closely view the terms of any loan offer you get. If you should require help with any PersonalLoans.com–related services, you can contact us at your convenience.

Example of a Personal Loan APR Range
AmountPeriodAPRMonthlyTotal Paid
$2,00012 mo24%$189.12$2,269.44
$4,00024 mo12%$188.29$4,518.96
$6,00036 mo12%$199.29$7,174.29

Important Points To Consider

PersonalLoans.com is only partnered with lenders or lending partners who provide potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any personal loan offer. We recommend that you closely view the terms of any loan offer you get. The best way to ensure you qualify for rates that works for you is to compare any offer received here to offers you receive from lenders directly. To get more details on these considerations you can view the Lending Policy and Rates & Fees sections of our website.

  • Financial Implications (Interest and Finance Charges)

    If your request is approved by a lender, the lender should present exact fees and interest rates prior to closing the loan. Please note that not all of our lenders deduct an origination fee from the loan amount, but instead may add it to the original principal balance. As mentioned earlier, PersonalLoans.com is not a lending operation, so it therefore is unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender gives you.

    Click here for a detailed representative example of a Personal Loan

  • Implication of Non-Payment

    Accepting the terms and conditions for a loan offer essentially means that you agree to repay the loan with interest in the time specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely that supplemental charges could apply. PersonalLoans.com does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition, we have no control or knowledge of the loan details between you and your lender.

    We recommend that you make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents to ensure collections of past-due loan accounts are done so in a fair and reasonable manner.

  • Potential Impact To Credit Score

    It is important for a borrower to understand that being late on a payment, missing a payment or rolling over a payment may negatively impact their credit score. Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from credit bureaus. Failing to pay on time may negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, most loans are subject to credit approval. PersonalLoans.com may do a "soft pull" of your credit information, which will not impact your credit score. Further, the lender that you are connected with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score.

  • Collection Practices

    As previously stated, PersonalLoans.com is not a lending operation, and we do not get involved in the process of debt collection. As part of the loan documents your lender will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure in any way of what those collection practices entail, we suggest that you explore that issue with the lender.

  • Loan Renewal Policy

    Prior to accepting a particular offer, you may be presented with various loan renewal options by your lender. Carefully look through the loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine loan renewal policies to a significant extent.

    Installment loans or Personal loans should not be used as a long-term financial solution. At PersonalLoans.com, we always encourage borrowers to fully repay their loan by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a personal loan after borrowing it, PersonalLoans.com advises you to closely examine different loan alternatives before you take the step of requesting for loan assistance through us.