Lenders in the PersonalLoans.com network offer loan products ranging between $1,000 and $35,000. The loan types are as follows:

• Bank Personal Loan: requires a minimum credit score of 580 and income of at least $3,000 per month. (Self-employment income is ok).
• Personal Installment Loans: requires a minimum credit score of 580 and income of at least $2,000 per month. (Income from self-employment and benefits is ok).
• Peer to Peer Loans: requires a minimum credit score of 600 and income of at least $2,000 per month. (Self-employment income is ok). A loan origination fee of between 1 and 5 percent will also apply.

Most lenders offer rates between 5.99 and 35.99 percent, which is substantially lower than what you’d find with cash advances, bad credit installment loans, and no credit check loans.

With regards to repayment, you’ll have anywhere between 90 days and 6 years to pay the balance in full, but this term will vary by lender and loan amount. You should also know that smaller installment loans generally have repayment periods of six months or less.

You’ll need to meet the following qualification criteria to be eligible for a loan:

• Be at least 18 years of age
• Have a Social Security Number and be a U.S. citizen or permanent resident
• Have a steady source of income (self-employment income or Social Security and disability benefits ok)
• Possess an active checking account in your name

The good news is all types of credit are accepted. So if you’ve been turned down everywhere else, there’s a high possibility PersonalLoans.com will be able to connect you with a lender that can get you the cash you need. But in order to pass the credit check, you should ensure:

• All accounts are in decent standing and you’re not a repeat offender of late payments (shouldn’t be more than 60 days past due).
• Your credit report is free of current bankruptcies and recent charge-offs.

The loan application can be accessed directly from your mobile device if you’re on the go and need fast cash. Be prepared to provide your personal, banking and employment information. (Quick note: it may be useful to gather these documents as the lender may request copies before they can finalize the loan and disburse funds to you).

To get started, select your credit rating directly from the website. Once you’ve done so, you’ll be prompted to complete the online application so you can be connected to lenders with loan products that will best suit your needs.

Upon approval, you’ll be presented with a loan offer and asked to sign the terms and conditions of the loan if you agree. This can be executed via electronic signature directly from the PersonalLoans.com dashboard.

While you could receive funding in as little as one business day, it is possible for it to take up to five business days. It all depends on the lender.

However, you could qualify for same day funding if it’s a bank personal loan that’s processed in a  branch and approved by noon.

Phone support for PersonalLoans.com is available Monday through Friday from 6:00 a.m. to 7:00 p.m., PST at 1-800-772-2274. You can also send an email using the contact form or mail a written inquiry to PersonalLoans.com, 560 East 200 North, Suite 18, Roosevelt, Utah, 84066.