HOW IT WORKS
The lenders we work with are nationwide and are the highest rated providers available online. We simplify the personal loan process by providing multiple reliable, safe options in one place, so you don’t have to spend hours looking yourself!
Borrow as much as $30,000 or more with terms ranging from 1-6 years. We specialize in assisting individuals with excellent & good credit achieve their financing at the most competitive rates possible (as low as 6.46%), with lenders fighting for their business. We can also get you the cash you need at reasonable rates if you are someone with bad credit and are looking to start rebuilding your credit rating or if you have no credit (co-signer likely needed for those lacking a credit history) and are looking to establish a credit history! Even if you are retired and receiving a pension we can help!
Here’s how it works…
QUICK NO CREDIT CHECK APPLICATION.
100% secure application only takes 30 seconds to complete. We have lenders that are able to provide rate quote/s and pre-approvals for your loan without a credit check. Other providers we work with can issue pre-approvals and approvals via a soft credit pull (no impact to your credit). Get pre-approved without having your credit checked! No obligation to accept the offer presented!
APPROVALS WITHIN MINUTES.
Upon loan application submission, one may be instantly presented with loan offers online or can expect to hear from one of our participating loan officers within minutes to a few hours to discuss options. Our lenders will work with you to create a personal loan package that satisfies your cash needs while developing a repayment term that fits your budget.
ACCEPT CREDIT AGREEMENT.
Once matched with a lender, carefully review the loan amount, fees and other details of the agreement. Please feel free to exit the process at any time as you are under no obligation to accept a loan until you agree with and e-sign the agreement. Each lender is required by federal law to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing the loan documents.
FUNDS OFTEN RECEIVED IN 48 HRS OR LESS.
Once your loan is approved and you execute your agreement, you can have your funds deposited into your account within two days! Not all lenders can provide up to $35,000. Not everyone will qualify for maximum borrowing amounts or terms of 72 months. Repayment terms vary by lenders and local laws. These are not payday loans, cash advances or short-term loans.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
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. 12 month minimum and 72 month maximum repayment terms. APR’s can range from 4.0% to 35% depending on the state. 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 long-term loans, otherwise known as installment loans as well as credit lines and credit cards. Providing your information on this website does not guarantee an approval. 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 a loan matching company. We review the information that you provide to us and if you meet certain requirements, we then match you with the lender or lenders with which we do business (“the participating lenders”), who we believe are most likely to provide you for a loan based on our assessment of your information. 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. At www.PersonalLoansAndCredit.com, we will provide you with the opportunity to provide us with your credit score, but we will never run your credit, which can result in a reduction of your credit score by a small number of points each time that it is run. This website does not constitute an offer or solicitation to lend. PersonalLoansAndCredit.com is not a lender and does not make loans or credit decisions. PersonalLoansAndCredit.com is not acting as a representative, agent, or correspondent for any of the participating lenders. PersonalLoansAndCredit.com does not control and is not responsible for the actions or inactions of any participating lender. PersonalLoansAndCredit.com does not endorse any particular lender or loan product. You are under no obligation to use PersonalLoansAndCredit.com’s service to initiate contact or apply for a loan with any of the participating lenders. PersonalLoansAndCredit.com does not guarantee that your submission of a loan application will result in you being matched with a lender, being offered a loan with rates or terms that are acceptable to you, or receiving a loan. Participating 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. We may financially benefit from anything you read or click on while visiting our site. Most, but not all of our services are available in all 50 states and our service availability and the scope of the services we offer are subject to change without notice. All loans are subject to credit approval. All of the lenders we work with can offer free rate quotes with no impact to your credit whatsoever. We have some Loan Providers that are able to issue pre-approval quotes without performing any credit check, and other Loan Providers that can issue pre-approvals and approvals via a soft credit check (no impact to your FICO credit score or rating). We have some Loan Providers, that once matched with, may need to collect additional information from you including your SSN, for the purpose of doing a soft credit inquiry to determine whether or not to extend potential offers to you. There is no impact to your credit score or rating when a lender performs a soft credit inquiry. Once pre-approved by a Loan Provider we match you with, we will hand you off to that lender for the purpose of you becoming their client. 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.
All Credit Situations
We are a third-party matching service with over 20 years experience in helping people of all credit situations find personal loan guarantee lines. Read our testimonials! We can help individuals with excellent credit and we can also help those with damaged or no credit. Your monthly payments will be reported to the three major credit bureaus helping you to re-establish your credit rating. The lenders we work with are all personal loan lenders; offering rates between 6% and 34% with terms ranging from 1-6 years. We do not match consumers with payday or short-term loans. If you have any questions please feel free to contact us. Not all lenders can provide up to $35,000. Not all applicants will qualify for $35,000. Repayment terms vary by lenders and local laws, and not everyone will qualify for the maximum borrowing term of 72 months.