• Apply now Reviews
  • 0.0/5

    Company Rating

    • Flexibility & Loan Terms

      0.0

    • Loan cost & interest

      0.0

    • Customer service

      0.0

    • Website & Functionality

      0.0

Why PersonalLoans.com

  • 5.99%

    APR from

  • $1,000 - $35,000

    Loan Amount

  • 3 months - 6 years

    Term of loan

  • 18 years

    Age Requirements

  • Steady income

    Income Requirement

About PersonalLoans.com

Who is PersonalLoans.com

PersonalLoans.com is a loan search tool that allows you to shop for loan products from a vast network of lenders. Loans are available for all types of expenses, including those that relate to medical emergencies, auto repairs, home improvement projects, debt repayment or consolidation family vacations, or some other financial emergency.

All types of credit are accepted, and there’s a section on the website that allows you to select your credit rating (i.e. excellent, good, fair, poor) prior to beginning the application. And by doing so, PersonalLoans.com will be able to tailor your search to prospective lenders that you have the highest chance of qualifying with.

Their services are offered free of charge, and there’s no obligation to accept any of the loan offers you receive.

Loan Specifics

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.

Qualification Criteria

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.
How to Apply

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.

Loan Disbursement

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.

Contact Information

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.

personalloans.com
Key Benefits
  • All credit types accepted
  • Lengthy repayment periods
  • Funding in as little as one business day (same day funding is also available)
Loan requirements
  • 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
  • Show a pattern of financial responsibility (in case your credit score is poor)
Payout information
  • Payout during weekends: Not possible
  • Payout hours: Once approved, you will receive the loan funds within 1 to 5 business days
Opening hours
  1. 6:00 a.m. to 7:00 p.m., PST

    Monday - Friday

  2. Closed

    Saturday - Sunday

Contact Information
  1. PersonalLoans.com

    560 East 200 North, Suite 18, Roosevelt, Utah, 84066

  2. 1-800-772-2274

    Phone

  3. [email protected]

    Email

  • 0.0/5

    Company reviews
    0 reviews

    • Flexibility & Loan Terms

      0.0

    • Loan cost & interest

      0.0

    • Customer service

      0.0

    • Website & Functionality

      0.0

  • Company Rating

Have you used PersonalLoans.com? Tell us what you think

You've successfully submitted a review for approval. Thank you!