You're applying for more than $1,000. If you don't qualify for this amount, would you be willing to accept a loan for a lower amount?
Note: If you are accepted, you will have the option to apply for an additional loan with the click of a button.
|Loan Term||Loan Amount|
|$250 – $5,000||$5,001 – $15,000||$15,001 – $25,000||$25,001 – $50,000|
The above personal loan rates are national averages (based on FICO tiers) obtained by CreditLoan.com, through proprietary means from over 2,267 lending institutions, across all 50 U.S. states.
The daily rates are subject to change and provided as an estimation tool for your convenience, and should not be considered as a loan offer.
We do not in any way guarantee the accuracy or suitability of the results.
Last updated .
|Loan Term||12 months||24 months||36 months||48 months|
For example: the $2,000 representative loan above with a 24-month term and a 5% origination fee would have a total cost, including the 5% origination fee ($100) plus interest, of $519.68 and a total payback amount of $2,419.68.
|Loan Term (Repayment Period)|
|61 days||84 months|
Annual Percentage Rate (APR)
The annual percentage rate (or APR) is the annualized interest rate that you are charged on a personal loan. Since APR is commonly used to express fees related to other types of loans (auto loans, mortgage loans, and personal loans), we've included a representative example above to outline fees, rates, and other terms commonly associated with personal loans.
CreditLoan.com is not a lender and does not have the ability to disclose exact APR. Consumers who originated via a paid Google advertisement feature rates on CreditLoan.com of no greater than 29.82% APR (calculated consistent with the Truth in Lending Act, TILA) with repayment terms from 61 days to 84 months. This number will be set by your lender and you will be notified of the final number before accepting the loan terms. Annual percentage rates can vary based on both: 1) the information that you supply in your initial loan request, and 2) the information that your lender supplies to you.
Rates based on creditworthiness and are subject to change without notice. Your actual rate and monthly payment may vary. Must be 18 years of age or older to apply. CreditLoan.com does refer consumers to trusted professional lenders who can provide loan information and assistance. There is no charge for our service. Once your application has been submitted and you are presented with the loan agreement, lenders will disclose all details related to the loan — including APR, loan finance charges, or any other loan terms you would be agreeing to. We recommend to all users to carefully read and review the loan terms of any offer you receive. If you still have questions related to APR or loan related services, please contact us for more assistance.
Financial Implications (Interest & Finance Charges)
If you are approved for a loan, you will be presented with all fees, terms, and interest rates associated with the loan BEFORE you formally accept the loan. As stated, CreditLoan.com is not a lender, and therefore cannot provide you with exact fees and/or interest associated with your loan offers. You are under NO obligation to accept any loan offers/terms that are provided by lenders. For more information, click here for a representative APR example.
Implications of Non-Payment
By accepting the terms and conditions for a personal loan, you essentially agree to repay the loan both: 1) with interest and 2) in the time frame specified in the loan agreement. In most cases, failure to repay the loan in full, or making a late payment, can result in additional charges. CreditLoan.com has NO ability to predict or estimate what supplemental charges will be incurred in the event of late, partial, or non-payment. CreditLoan.com also has NO control or knowledge of any loan agreements or details between you and your lender.
Please carefully review the late, partial, and non-payment policies that your lender provides with your loan agreement. CreditLoan.com works hard to partner with only the most trustworthy and reputable lenders who pursue the collection of past-due loan accounts in a fair and reasonable manner.
Potential Impact to Credit Score
When borrowing, it is important to understand that being late on a payment, missing a payment, or rolling over a loan can all negatively impact your credit score. Your score is a numerical expression of your credit worthiness, and is based on a direct analysis of your past/current credit standing. A credit score is based primarily on information typically sourced from credit reporting bureaus. Failing to repay loans on time will affect your score negatively and make future financial decisions more difficult or affect your chances at approval (getting a loan, getting a credit card, etc.)
While poor/bad credit will not always prevent you from being able to receive a loan, all loans are subject to credit approval. In addition, any matching lenders you're paired with may run a credit check with one or more credit agencies. Too many credit checks in a given period of time can negatively affect your credit score.
As stated, CreditLoan.com is not a lender and, because of this, we have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. CreditLoan.com only works with reputable lenders who use fair collection practices.
Loan Renewal Policies
Prior to accepting any loan offer, you will be presented with any loan renewal options by the lender. Carefully review the policy before accepting or electronically signing any loan documents. Note, state regulations can determine lenders' renewal policies to a significant extent.
Use this calculator to compare personal loan interest rates and estimate your monthly payments as defined by the Federal Truth In Lending Act. Enter your loan amount, term (in months) and your interest rate.
The personal loan calculator is provided as an estimation tool for your convenience and should not be considered as a loan offer. We do not in any way guarantee the accuracy or suitability of the results.
How does it work?
Submit Your Secure Application
We'll ask you a few questions in order to find you the best loan offers available.
Accept Your Loan
If you are matched with a lender, you will be taken to the lender's website to review and accept your loan.
Use Your Funds
After accepting your loan, it will be deposited into your account in as little as 24 hours.
What is a personal loan?
A personal loan is an unsecured loan that any U.S. citizen over 18 with a bank account and income source can apply for. Typical loan amounts range from $250 to $5,000 and are offered by banks, credit unions and online lenders.
Does it cost anything to apply?
No. There is no cost to apply.
Can I get approved today?
If you apply today, you will receive a response in a matter of minutes. If approved, your funds could be in your account in as little as 24 hours.
When will my funds be available?
Your funds could be in your account in as little as 24 hours.
How will I know if I'm approved?
After the application is submitted, we try to match you with a lender in our network. If successful, you'll be taken to an electronic signature page to complete the process.
I have no bank account. Can I still get approved?
No. The amount borrowed will be direct deposited into your bank account. If you do not have a bank account, you will not be able to submit your application.
What can I use this amount for?
They are useful for many needs, including one-time special events (weddings, celebrations and holidays), unexpected expenses (car or home issues, emergency medical expenses) or almost anything else that requires extra funds.
What's my interest rate and when do I need to pay back the loan?
It varies and depends on the lender. Once approved and matched with a lender, you'll be transferred to their website where you can review their terms and repayment schedule.
I just got denied, what can I do?
People can be denied for many reasons, including a high debt-to-income ratio, bad credit history or low credit score. However, there may be solutions if you need finances right away and know why you were denied. You may consider debt consolidation if debt is an issue. There are many other steps you can take as well that can improve your credit score and reduce your debt.
The form doesn't let me finish. What should I do?
Look at your screen — if there is a message such as "required field", you need to complete the area on the form. If you do not have a bank account, you will not be able to submit your application.
I'm not from the United States. Can I still get approved?
No. You must be a U.S. citizen to qualify.
What is a personal line of credit from a bank?
A personal line of credit represents funds available to an individual that are generally tied to a checking account. All or some of this amount can be used when needed, with funds becoming available as the balance is paid. Credit cards are an example of this type of credit.
What is a line of credit loan?
A line of credit loan is an amount of available credit based on a secured asset, such as a house. Home Equity Lines of Credit (HELOCs) are the most common and have an expiration date. Lines of credit secured with cash, CD's or savings generally have no expiration date.