When you use our service, we will also show you offers for other credit-related products or services you may find useful. This additional advertising helps us make a financial profit from our free service.”
If we can't find a lender in our direct lender network that may be willing to offer you a loan, we then send your request out to our extended network of third-party non-lender lender networks to try to find a lender in their network that may offer you a loan. This increases the likelihood you will be connected with a lender and helps us make a financial profit off of our free service.
PersonalLoans.com does not charge any fee or cost to submit a loan request and there is no obligation to agree to the terms of any loan offer presented to you. Loan amounts between $1,000 and $35,000 are offered, with a minimum APR of 5.99% and a maximum rate of 35.99%. Loans from our network of lenders carry a minimum repayment term of 3 months and a maximum term of up to 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 before accepting their loan agreement.
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
# of Payments
Every day, we help people search for a personal loan from our network of lenders and in other third-party lender networks we use. If no lender offers you a loan, you may be presented with an offer for debt relief, credit repair, credit monitoring or other similar services.
We protect your information with advanced data encryption technology so you can request a loan with peace of mind and from the ease of your home.
Your time, your terms
Request a loan any time, day or night. Our partners can offer loans up to $35,000 with varying rates and terms. Review your loan offer with no obligation and decide what works for you.
Simple and straightforward
Our online form is simple, straightforward and fast — the way it should be. With a few easy steps we’ll show your information to our large network of lenders and other third-party networks of lenders we work with that can make loan offers right away.
If you receive a loan offer and you accept, the funds can be deposited electronically into your checking account in as fast as one business day.
Personal Loans® offers a fast and flexible form to help connect you to a lender and complete an application with them. A personal loan can be used for many reasons and can be a quick and easy way to receive funds up front. If a lender from our network or one of the other third-party lender networks we use offers you a loam, you’ll be able to review the loan terms before accepting or declining the offer. Payments are due over a fixed period of times and often carry a fixed interest rate.
If no lenders offer you a loan, we may pass some of your limited contact information to other partners so you can receive offers for debt relief, credit repair, credit monitoring, or similar services.
Are there applicable fees?
Personal Loans® provides its service completely free of charge to you. However, if you accept a loan offer from a lender, the lender will typically charge an origination fee or other fees. Lenders are required by law to disclose these fees and other important loan information to you before you accept a loan offer. It is important to fully read through the terms of the agreement prior to signing.
What is “Annual Percentage Rate” - APR?
The Annual Percentage Rate (APR) is the annual rate charged for borrowing and is expressed as a percentage that represents the actual yearly cost of funds over the term of the loan. As loans can vary in terms of interest-rate structure, transaction fees, late penalties and other factors, a standardized computation such as the APR provides borrowers with a bottom-line number they can easily compare to rates charged by other lenders. It is important to contact the lender you are connected with directly to review and understand the specific details of your loan agreement.
How do I repay my loan?
Lenders in the Personal Loans® network and in the other third-party lender networks we use generally have online systems available to take electronic payments and manage your account. These lenders also generally have customer service agents who may be happy to take your payment by phone. The personal loans offers you may receive through our service generally have a 90-day minimum repayment and a 72-month maximum repayment term. All lenders are required by law to clearly disclose the terms of your loan offer before you can accept the offer. Before accepting any loan, you should carefully read all disclosures and the loan agreement in their entirety, and understand the detailed information about APR and repayment terms. Always remember that we are not a lender and we are not involved with the loan process with any lenders.
What if I am late on payments?
If you think you won’t be able to make a payment, you should contact your lender immediately. Their customer support team might be able to offer you a later courtesy due date. As well, if you have already missed a payment, you should contact the lender directly. They are there to help. You may be able to make a new payment arrangement that is better suited to your current budget. Whether you are late on a payment or are unable to make a payment, get in touch with your lender directly so they can assist you.
Who will see my information?
First we show all the information you submit to the lenders in our direct network that have expressed an interest in making loans to consumers like you. If none of them want to pay us to be connected with you, we send all of your information to our extended network of non-lender third-party lender networks so they can try to find a lender in their network that is willing to pay us to be connected with you. All of the parties described above, and, in many cases, their service providers, will see all of your information to try to find or make you a loan.
After we try to connect you with a lender, we may show you other ads. If you click these ads, we may share your contact info with these advertisers so they can contact you about their products or services. We may also send you additional marketing communications. If so, the service providers we use for this marketing may see your contact information so facilitate this additional marketing to you.
What products or services will I receive offers for?
When you use our service, we first try to connect you with a lender, either through our direct network of lenders or through our extended network of lenders. Then we may show you additional ads or offers for lenders and/or other credit-related products or services like debt relief, credit repair, credit monitoring. You are also added to our marketing list and may receive additional marketing communications from lenders or these other credit-related providers.