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Take Advantage of What Personal Loans Can Offer You

During these uncertain economic times, many people are finding 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 low interest personal loan is a safe and reliable way to meet your financial needs. At PersonalLoans.com, we specialize in quickly and efficiently matching people to the personal loan that's right for them.

Compared to other loan options, personal loans offer greater flexibility with how much a person can borrow. Utilizing our comprehensive network of lenders we can offer wide ranges of funding, and give you the opportunity to be qualified for 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 is also a form of loan that can be utilized for practically any purpose whatsoever. This can be beneficial in any scenario where additional funds are required.

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.

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 service 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 the single largest network of responsible personal loan lenders available anywhere.

Our proprietary technology evaluates your application and matches it to the lender best suited for your specific situation. This means that by submitting a loan request on PersonalLoans.com you have the highest chance of getting approved for the loan you desire.

With our simple three-step application, it has never been easier 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 getting your personal loan, please visit our Get Started page.

Important Information

APR – Interest Rates and Repayment Explained

The annual percentage rate (APR) is the annualized interest rate that you are charged on your personal loan. PersonalLoans.com is not a lending operation and doesn't provide loans, but it does refer consumers to reputable 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 tell you what the exact APR that your lender will charge is going to be. Annual percentage rates 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 all 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. If you should require help with any PersonalLoans.com–related services, you can contact us at your convenience.

The APR associated with Personal Loans can generally range from 6% to 36% percent depending on how it is calculated as well as other variables including any incurred fees (nonpayment, late payment charges, etc.), the term of the loan, and loan renewal options.

Important Points to Consider

PersonalLoans.com is only partnered with professional lenders 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. 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 you get approved for a personal loan, the lender will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. 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

  • Implications of Non-Payment

    Accepting the terms and conditions for a personal 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.

    Make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents. The policy of PersonalLoans.com is to partner only with reputable, trustworthy lenders who pursue collections of past-due loan accounts always 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 will all 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 will 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, all 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 matched 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. At PersonalLoans.com we are proud of our policy of only working with lenders who pursue delinquent accounts in a manner that is fair and reasonable.

  • Loan Renewal Policies

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

    Personal loans should not be used as a long-term financial solution. At PersonalLoans.com, we always encourage borrowers to repay their loan fully and 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 applying for loan assistance through us.