We know that there are many possible reasons why you might need a personal loan, which is why funds can be used for a variety of purposes. Our OD borrowers commonly seek loans to consolidate existing debt, finance major purchases, renovate their home, or even start a business.

Our lending partners each have their own minimum and maximum loan amounts. In general, the minimum loan amount is $1,000, and the maximum loan amount is $50,000. Some lending partners offer personal loans up to $100,000 for qualified borrowers. Any loan amount offered is based on the information on your application and credit report, your intended usage, and an assessment of your ability to pay.

Applying for a personal loan through our lender is fast and easy. Simply create an account with us using your email address, answer a series of questions about yourself and your loan request, authorize a credit check and see your rates!

We know that there are many possible reasons why you might need a personal loan, which is why funds can be used for a variety of purposes. Our borrowers commonly seek loans to consolidate existing debt, finance major purchases, renovate their home, or even start a business.

Once you have successfully completed the loan application process, the process to receive your funds typically takes 24-48 hours. However, for some lenders, the process may take up to a week.

An unsecured personal loan is money you can borrow from a financial institution, such as your bank, credit union, or favorite online lending partner. Unlike a secured loan, an unsecured personal loan doesn’t require collateral – like your home or car. Like any personal loan, if you are approved, you will make monthly payments to pay it back in full (plus interest) over a set duration of time. The loan terms and interest rate vary based on the lending partner you choose, your personal credit history, and other factors.

Personal Loan are considered consumer debt, so will NOT forgive your loans if you die or become disabled.  The debt will be taken against your estate upon your passing so please take caution.

If you declare bankruptcy, it will be re-characterized based on the type of declaration, as always please consult with a bankruptcy lawyer. 

Generally no, but some income-based payments options are available during time of hardships for certain banks. Some lenders like Sofi offer unemployment benefits which means if you lose your job, they will temporarily modify your payments.

However, some companies may make accommodations on a case-by-case basis. 

All partners that we work with will NOT have any origination fees

Typically, you can pay off a personal loan early with no prepayment penalties.

Some lending partners offer an autopay discount. Usually your rate offer will include details of any available autopay discount. If your rate has an autopay discount available, you will have the opportunity to sign up for autopay after your loan is finalized.

The lender will conduct a soft credit pull to get you pre-qualified rates. The soft pull allows them to quickly offer you an accurate estimate of the rates, and it does not affect your credit score. Once you have submitted your application,the lending partners complete a hard credit inquiry to verify the identity and information of all people signing the application. This allows our lending partners to ensure that you’re receiving the best rate possible on your loan! Note: A hard credit inquiry appears on your credit report and can influence your credit scores.

While each lender evaluates borrowers differently and uses its own method to determine rates, all of our lending partners offer their lowest rates to only the most qualified borrowers. Your online application, loan terms, credit score and approval, and other factors considered by the lender determine whether you qualify for a loan as well as the interest rate presented to qualified borrowers.

You should shop and compare different multiple  lender option to get a true PERSONAL market rate.

The interest rate refers to the annual cost of a loan to a borrower and is expressed as a percentage. APR refers to the loan’s annual percentage rate and represents the total cost of borrowing for a year. APR includes fees and interest rate. For example, your lender may charge an origination fee for processing your personal loan application, so APR would include both the origination fee and the interest rate.