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The amount you have chosen is guaranteed and the interest rates start at 6.0% and up*. The loan terms can be anywhere between 12 and 72 months (1-6 years). To determine monthly payments, use the loan payment calculator.

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GUARANTEE: PersonalLoansAndCredit.com stands behind its guarantee 100%. You will be approved for the amount you request or you will receive a refund based on the actual approval amount subject to the terms of service. We have been providing our services to thousands and thousands of clients over the past 20 years and we have a proven track record of results.

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To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, the lender will ask for your name, address, date of birth, and other information that will allow the lender to identify you. The lender may also ask to see your driver’s license and other identifying documents.

*APR’s can range from 6.0% to 35.0% for most lenders, depending on the state. If an alternative lender is necessary, then rates may be even higher. Representative Example: For a $5,000 36-month loan at an interest rate of 6.03% with a 1.11% origination fee of $55.50, you will receive a loan amount of $4,944.50 and will make 36 monthly payments of about $152.18 at a 6.78% APR. Total loan cost would be $5,478.48.

Disclaimer: The operators of this website are not a lender, do not broker personal loans and they do not make any short term cash loans or any credit decisions. Nothing on this website is an offer or a solicitation to lend. This website helps borrowers find good and bad credit personal loans by referring them to lenders of short-term or long-term loans as well as credit lines and credit cards. Any questions concerning actual product offerings should be directed to the potential loan lender. We urge you to read our entire website so that you are aware of all of the information that we provide. PersonalLoansAndCredit.com is an information provider and referral service. We review the information that you provide to us and if you meet certain requirements, we then match you with lenders or partners who we believe are most likely to provide you for a loan or line of credit. It is possible that some of the lenders or partners that we refer to you may not lend in your area or state. Each lender or partner has its own lending criteria and licenses and may change their policies at any time without our knowledge. Repayment terms vary by lender and local laws, and not everyone will qualify for maximum borrowing repayment terms of 72 months. The APR, borrowing term and amount that you may be eligible for will be determined by several key variables including but not limited to your credit score, income and total debt as well as state limits. This website does not constitute an offer or solicitation to lend. We are not a lender and do not make loans or credit decisions. We are not acting as a representative, agent, or correspondent for any of the referred lenders. We do not control and are not responsible for the actions or inactions of any referred lender. We do not endorse any particular lender or loan product. You are under no obligation to use our services to initiate contact or apply for a loan with any of the referred lenders. We do not guarantee that you will be offered a loan with rates or terms that are acceptable to you. Our guarantee is based on the collective approval amount from all referred lenders. Referred lenders may take steps to verify the accuracy of the information that you provide to them including, but not limited to, your social security number, driver’s license number, national ID, or any other state or federal identifications and may review the information against national databases including, but not limited to, Equifax, Transunion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. Our services are now available in all 50 states except North Dakota and West Virginia and our service availability and the scope of the services we offer are subject to change without notice. All loans are subject to final credit approval. During the process of finalizing your financing, Loan Providers may need to perform a hard credit inquiry. Those Loan Providers will ask for your permission prior to doing so. Please read our privacy policy and terms of service for full details of our services.

1069 Main Street Suite 103, Holbrook, NY 11741