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$1000 - $15,000 Personal Loans in the USA - 100% Online Cash Advance for Bad Credit or Excellent

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  • 1 Submit Online
  • 2 Fast Lender Approval
  • 3 Cash in Your Account

$1000 - $15,000 Personal Loans in the USA - 100% Online Cash Advance for Bad Credit or Excellent

Every day we help thousands of people get a Personal Loan!

  • Borrow up to $35,000 and repay overtime in small manageable installments.
  • Fast loan decisions and flexible terms that fit your needs with no pre-payment fees.
  • Make on-time payments and unlock better rates by improving your FICO® credit score.

Personal loans from our lenders are flexible, secure and quick loans that an eligible applicant can repay in up to 36 months. Whether you have a good or bad credit score you will always have the best chance of finding a personal loan through us. We only work with reputable lenders that believe in responsible lending and offer fast loan solutions that everyone can afford, sometimes ignoring a less than perfect credit record.

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Personal Loans by State of Residence: 

What is a Personal Loan in the USA?

A Personal Loan can be made for between $5,000 - $15,000 by any U.S. resident over the age of 18, with a valid bank account and permanent income source. The loan period can be between 2-36 months, and paid back in fixed scheduled, monthly payments.

One can get a personal loan from a bank, private lender, by direct mail, or online. The loan will have fixed payments, various loan periods, varied amounts (principal), and a variety of available interest rates. Unlike secured mortgages and auto loans, a personal loan is unsecured (no collateral), like a credit card or a student loan. Of course, interest rates are higher than a mortgage, but probably lower than your existing debt.

Be it a wedding or other celebration, an urgent need such as auto or house repair, medical or dental service, that require additional funds, you can solve this problem with the help of a personal loan.

49% of people use personal loans to pay off existing debt, 16% to start a business, 10% for home improvement, 5% for educational expenses, 4% for auto repair, and 16% for other miscellaneous expenses.

The average person has $15,422 in credit card debt, $149,782 in mortgage debt, and $34,703 in student loan debt. So, you are not the only one facing financial challenges. The right to borrow money is in the U.S. Constitution, and regulated by Federal Law an those of all 50 states.

Personal loans are offered by banks, credit unions and online lenders. We provide an online service, matching potential borrowers with direct lenders all over the U.S. We will help you to get the money you need safely, reliably and quickly!

What is the difference between Personal, Installment and Payday loans?

Personal loans are characterized by longer payback periods and typically higher amounts of cash advanced. If you need less than $5,000,  for several payments you can take an installment loan. In case $1,000 is enough to cover your needs, and you feel you can manage payback with your next paycheck, you can apply for a payday loan (For more details, read our articles: Installment Loans in the USA, Payday Loans in the USA).

To give you some brief information and clarification, we present the following table:

  Personal loans Installment loans Payday loans
Legal status legal legal legal in 27 states, with some restrictions in nine states
Amounts $5,000$-$15,000 $1,000-$5,000 $100-$1,000
Terms 2-36 months 2-36 months 14-30 days
Repayment In fixed payments In fixed payments With next paycheck
Rates and Fees (average) 5.99% to 35.89% APR, 5% origination fee 5.99% to 35.89% APR , 5% origination fee 300%-750% APR, 10-15% fee for every $100 borrowed
Collateral or guarantor Not needed in most cases Not needed Not needed

Personal loans are different from installment loans by the loan amount only, having the same terms and conditions. Payday cash advances are very different; for both loan amounts and terms. The Payday APR is higher, and the repayment period considerably shorter. So, it’s your decision how much you need, and when you can comfortably repay it. We’ll be glad to help you.

What are the terms and amounts of a Personal loan?

With a personal loan, you can apply for $5,000, $10,000, up to $35,000. If you need less, choose an installment or payday loan/advance. Personal loans are a long-term cash advance. The repayment period ranges from 60 days to three years. The payments are fixed and scheduled. If you happen to pay back the loan earlier, there are no prepayment penalties. And you’ll be able to reduce additional fees and interest. But, check these requirements/conditions in the agreement before signing.

How do I qualify for a Personal loan?

You can receive up to $35,000 in cash deposited into your bank account as quickly as 24 hours. To qualify for a loan, you simply need to: 

  • be at least 18 years of age, 
  • live and work in the United States, 
  • have a bank account in your name,
  • have a stable income that ensures your ability to make monthly payments to pay off the loan. 

What is really cool about personal loans is that all of them will be considered for acceptance, and for those of you who have a problem with your credit history, there’s still a good chance of getting a loan. 80% of our applicants get approved. All loan requests are confidential and secure. 

Can I get a personal loan if my credit score is bad?

The majority of our borrowers are U.S. residents with bad credit.

For more detailed information about the effects of credit history, bad credit history, and credit score, read our article, Loan Options for US Residents with Bad Credit. 

If your credit history is not perfect (and whose is?), borrowing money may be a problem, as banks and many other organizations check your credit score to make sure you are eligible. In the case of personal loans as well as payday and installment loans, this criterion is not as important. Of course, lenders have the right to check your credit score, but they will still consider your application. The point is, the better your score, the more money you qualify for. Some people take personal loans simply to improve their credit history.

Here are three useful tips on how to improve your credit score using a personal loan:

  • Maintain a positive payment history.
  • Pay more than the minimum amount due each month.
  • Achieve a balance of less than 30% as quickly as possible.
  • Taking a personal loan doesn’t affect your credit history. Moreover, following these rules will improve it. 

How the process works:

To solve your financial needs, you simply need to take three simple steps: 

  • Select the amount you need, from $1,000 to $15,000
  • Enter your zip code and e-mail address
  • Click “APPLY NOW”

Your application doesn’t obligate you to accept a loan.

  • There is no prepayment; it’s absolutely free to apply. All your personal information is secure and confidential.

To direct you application to a lender, we will need the following information about you: 

  • home address
  • bank account information
  • any additional information required by the lender

All the information you submit is completely secure. 

Once the application is received, selected lenders will review it, and approve or reject. Lenders will examine your credit score and income. They might require a cosigner; or require collateral if your score is low.

Once you are approved, you’ll be sent an email with the terms and rates at the lender’s website, and then you can decide whether you want to move forward with the loan. The last step is the cash is deposited into your account. It’s completely risk-free. 

Do I need a guarantor or collateral for Personal Loan?

No! Our personal loans are unsecured. Our direct lenders don’t require either a guarantor or collateral. You don’t have to ask your friends or relatives to sign for you. And you don’t have to sacrifice any of your property to pledge security for loan repayment. Still, you need to be careful and read the agreement thoroughly before signing, as some companies may have different terms and/or conditions.

How do I repay a personal loan?

The convenience and ease of a personal loan is in fixed arranged payments. You know in advance how much and when your payments are due. And if you budget for expenses, you will be able to calculate them accurately and on time. Besides, there is an opportunity to pay off the loan ahead of schedule without  prepayment penalties. 

In case you miss a payment or default on a loan, your credit score may suffer; and you may suffer penalties, or even be turned over to a debt collecting agency. They are forbidden to take any criminal actions against you, but it is unpleasant getting their constant phone calls. Be careful! Remember, you have rights. For any questions or complaints, contact the Consumer Protection Financial Bureau (CPFB) (855) 411-2372.

Advantages of Personal Loans.

You must have already noticed a great number of advantages to personal loans. Let’s examine them once again:

  • Up to $15,000 cash in your account within 24 hours
  • Easy to manage fixed payments
  • No collateral
  • No guarantor
  • Suitable for borrowers with a bad credit history
  • Can be used for any of your personal needs.

Personal loans online – faster and easier!

One more undeniable benefit of personal loans is the opportunity to APPLY ONLINE. Of course, you can get dressed up, copy and fax all your documents, get into your car, wait in a traffic jam, and look for the nearest cash store. Or stay at home, open your laptop, sitting on a comfortable chair, and get money in a few clicks.

  • We’re open 24/7.
  • We offer personal, installment and payday loans in all 50 states.
  • We work with 300 reputable direct lenders. We offer the lowest rates and fees.

With us, the borrowing process is quick and easy from start to finish. Apply now – fill out a one-minute application form – wait 2 minutes for it to be processed and sent to the lender – and get money in less than 24 hours. 

What should you take care of before applying?

Before signing a contract, check:

  • the interest rate and APR
  • the total amount owed
  • the repayment deadline
  • any penalties for defaulting on a loan

The minute you apply, stop worrying. You know that your application is safe and secure. And the whole process is easier than you can imagine. 

Are you looking for a personal loan? Look no further than

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Installment Loan amounts in the USA:

Get your money NOW!

Just let us know how much you need.

We will send your request to our 300+ Direct Partners - it's much faster than applying individually to each lender.

Applying doesn’t affect your credit score!

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices