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Best Personal Loans of 2020
When you need money fast or when you want to consolidate your debt, a personal loan can help you. Personal loans typically have lower interest rates than credit cards. There are loan offers for any credit and for any purpose. Even people with bad credit can be approved for a loan at fair terms. Today you can find best personal loans online and receive decision within 24 hours! Below you will find offers from reputable lenders.
October 2020: BEST PERSONAL LOAN
Minimum Loan Amount
$100
Maximum Loan Amount
$2,500
Employment Required
No
Checking Account Required
Yes
- Our process is safe, secure, fast and reliable.
- No waiting in lines or going to a physical store.
- Request your loan straight from your mobile phone, or computer.
- You may be approved in minutes, and your cash will be deposited straight into your bank account.
Personal Loan Offers for You
- Fast approval in as little as 2 minutes
- Your money directly deposited into your account
- Safe and Secure
- Flexible Payments
- All Credit Types
Minimum Loan Amount
$100
Maximum Loan Amount
$1,000
Employment Required
No
Checking Account Required
Yes
- Get the savings plan that helps build credit today!
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.65%. Please refer to www.self.inc/pricing for the most recent pricing options.
Minimum Loan Amount
$525
Maximum Loan Amount
$1,700
Employment Required
Yes
Checking Account Required
No
- Request a loan in under 2 minutes!
- This service is free and will NOT affect your credit score
- Money can be deposited as soon as the next business day
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Employment Required
Yes
Checking Account Required
Yes
- Our process is safe, secure, fast and reliable.
- No waiting in lines or going to a physical store.
- Request your loan straight from your mobile phone, or computer.
- You may be approved in minutes, and your cash will be deposited straight into your bank account.
Minimum Loan Amount
$100
Maximum Loan Amount
$2,500
Employment Required
No
Checking Account Required
Yes
- Request a loan in 2 minutes or less
- Direct deposit as soon as the next business day
- All credit types considered
- Safe and secure online form
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Employment Required
Yes
Checking Account Required
Yes
- Borrow $100 to $35,000 - Fast
- Instant Decision - Minimal Paperwork
- Safe, Secure, & Trusted form
- All credit types welcome!
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Loan Amounts from $2,500 to $12,500. Based on Credit.
- Get the Loan You Need Right When You Need It.
- Life Gets Crazy. Fund it with Merrick Bank.
- A Personal Loan You Can Use for Nearly Any Purpose.
- Get a Loan to Consolidate Debt, Make a Big Purchase or Fund an Emergency
- Personalized Loans. Quick Application. Fast Funding.
- Apply Today. Get an Instant Decision. Use for Nearly Any Purpose.
- Less Than Perfect Credit. Get Your Money in 1-2 Days.
- Fixed Rate Personal Loan for Less than Perfect Credit. Competitive Rates.
Minimum Loan Amount
$2,500
Maximum Loan Amount
$12,500
Employment Required
No
Checking Account Required
Yes
- Complete our secure online form
- Review the offer presented
- Receive funds in your account, if approved
Minimum Loan Amount
$500
Maximum Loan Amount
$10,000
Employment Required
Yes
Checking Account Required
Yes
- Loans between $5k - $100k, state restrictions apply1
- Fixed rates starting at 5.99% APR (with AutoPay)2
- 2, 3, 4, 5, 6, or 7 year repayment terms
- No origination fees, no prepayment penalties
- Personal loans can be used for a variety of reasons, like paying off credit card debt, investing in home improvements, taking a special vacation, or wedding expenses
Minimum Loan Amount
$5,000
Maximum Loan Amount
$100,000
Employment Required
Yes
Checking Account Required
Yes
- Request a loan in under 2 minutes!
- This service is free and will NOT affect your credit score
- Money can be deposited as soon as the next business day
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Employment Required
Yes
Checking Account Required
Yes
- Borrow $100 to $35,000 - Fast
- Instant Decision - Minimal Paperwork
- Safe, Secure, & Trusted form
- All credit types welcome!
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Small to medium size personal loans
- Safe & Secure
- Fast Lender-Approval
- Submit Online
Minimum Loan Amount
$1,000
Maximum Loan Amount
$5,000
Employment Required
No
Checking Account Required
Yes
- Receive Loan as Soon as the Next Business Day
- Checking or Savings Account with Direct Deposit
- 18 years or older
- Your Information Stays Private
- Immediate Decision
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Get Up to $35,000
- Fast Decisions
- All Credit Types Considered
- Funds Deposited To Your Account
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Up to $5,000 deposited to your bank account, if approved
- Get funds as soon as the net business day
- Fast, Safe, and Convenient - all online!
Minimum Loan Amount
$500
Maximum Loan Amount
$5,000
Employment Required
Yes
Checking Account Required
Yes
- Get a loan between $100 and $35,000
- All Credit Types Accepted
- Personal Loans Online
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Request a loan up to $10,000
- Fast and secure form
- Fast decision - No paperwork
- No Credit History Required
Minimum Loan Amount
$500
Maximum Loan Amount
$10,000
Employment Required
No
Checking Account Required
Yes
- Need cash for your personal expenses?
- Up to 5k - Fast, Secure, and All Online!
- You can pay off credit card bills and save!
Minimum Loan Amount
$1,000
Maximum Loan Amount
$5,000
Employment Required
Yes
Checking Account Required
Yes
- Our process is safe, secure, fast and reliable.
- No waiting in lines or going to a physical store.
- Request your loan straight from your mobile phone, or computer.
- You may be approved in minutes, and your cash will be deposited straight into your bank account.
Minimum Loan Amount
$100
Maximum Loan Amount
$2,500
Employment Required
No
Checking Account Required
Yes
- Get up a personal loan up to $50,000.
- 24/7 Online Loan Application
- Find the loan that is right for you
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- No Hassle Auto Loans. Get Started!
- Loans for all credit scores up to $35,000. Competitive rates.
- 100% accepted. 3-minute application. Drive the same day!
- Affordable payments for any budget.
- Available 24 hours a day.
Minimum Loan Amount
See terms
Maximum Loan Amount
$35,000
Employment Required
No
Checking Account Required
No
- Get a $1k to $35k personal loan for any reason.
- 3 minute form.
- Safe & secure.
Minimum Loan Amount
$1,000
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Online Personal Loans up to $5,000
- Our Online form is quick, secure, & hassle free.
- You may be approved even with a poor credit history.
Minimum Loan Amount
$250
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Personal loan as soon as tomorrow.
- Get up a personal loan up to $50,000.
- 24/7 Online Loan Application.
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
No
Checking Account Required
Yes
- Our online form is safe & secure
- Get Approval In Minutes
- Pay Your Loan Over Time
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Need Cash? Get up to $35,000
- Personal Loans Online
- All Credit Types Accepted
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Need Cash? Get up to $50,000 personal loan
- Personal loan as soon as tomorrow
- 24/7 Online Loan Application
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Personal loan as soon as tomorrow
- Real-Time loan up to $50,000 approvals online
- 24/7 Online Loan Application
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Need a Cash Loan? Get up to $5,000 now!
- All credit types are welcomed to submit a request.
- Get Your Approval in as Fast as Two Minutes.
Minimum Loan Amount
$200
Maximum Loan Amount
$5,000
Employment Required
No
Checking Account Required
Yes
- Good credit, bad credit, loans available 24/7
- Request $100 to $40,000 in just a few simple steps
- Find the loan that is right for you
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Employment Required
Yes
Checking Account Required
Yes
- Receive a personal loan of up to 10k.
- A lending decision can occur within minutes of your information being submitted.
- Deposits are made into your bank account as soon as the next business day.
Minimum Loan Amount
$100
Maximum Loan Amount
$10,000
Employment Required
Yes
Checking Account Required
Yes
- Personal loans up to $100,000 online, today!
- Get approval within 24 hours
- Low interest rate and longer term loans.
- All credit types are accepted.
Minimum Loan Amount
$500
Maximum Loan Amount
$100,000
Employment Required
Yes
Checking Account Required
No
- Borrow up to $35,000
- Funds as soon as the next business day
- Dependable & reliable
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
Employment Required
No
Checking Account Required
Yes
- Personal loans between $1,000 and $10,000.
- Fast, easy and secure online application.
- Get a quick approval decision.
Minimum Loan Amount
$1,000
Maximum Loan Amount
$10,000
Employment Required
Yes
Checking Account Required
Yes
- Loans up to $100,000, takes less than 60 seconds to see if you are Pre-Approved.
- APRs as low as 3.84%.
- Use the money for debt consolidation, large purchase, medical expenses, and more!
Minimum Loan Amount
$1,000
Maximum Loan Amount
$100,000
Employment Required
No
Checking Account Required
Yes
- Receive a personal loan of up to 10k.
- Get an approval decision in as little as 2 minutes from submitting your request.
- Deposits are made into your bank account as soon as the next business day.
Minimum Loan Amount
$100
Maximum Loan Amount
$10,000
Employment Required
Yes
Checking Account Required
Yes
- Loans Up to $35,000 Available
- Funds as soon as the next business day
- All credit types considered
- Fast Decision - Conveniently Online
- Safe, Secure, and Trusted Form
Minimum Loan Amount
$100
Maximum Loan Amount
Up to $35,000
Employment Required
No
Checking Account Required
Yes
- Simple and Fast Funding
- Get up to $35,000!
- Rates range from 5.99% APR to 35.99% APR
- All Credit Types
Minimum Loan Amount
$500
Maximum Loan Amount
$35,000
Employment Required
No
Checking Account Required
Yes
- Applying Only Takes a Few Minutes
- We’re a Direct Payday Lender
- Apply Online or In Store!
Minimum Loan Amount
See terms
Maximum Loan Amount
See terms
Employment Required
Yes
Checking Account Required
Yes
- Find a loan in 3 easy steps!
- Loan amounts range from $100-$40,000
- Get funds as soon as the next business day
Minimum Loan Amount
$100
Maximum Loan Amount
$40,000
Employment Required
No
Checking Account Required
Yes
- Get up to $10,000
- Fast, convenient loan requests
- All credit types accepted
Minimum Loan Amount
$500
Maximum Loan Amount
Up to $10,000
Employment Required
Yes
Checking Account Required
Yes
- A secure way to borrow online
- Complete the loan request in minutes
- Get a real-time decision
- Funds as soon as tomorrow
Minimum Loan Amount
$500
Maximum Loan Amount
$20,000
Employment Required
Yes
Checking Account Required
Yes
- Need money quickly and easily? Apply today!
- Apply for a loan from $500 - $100K & receive funds quickly & easily
- Rates from 1.99% APR
Minimum Loan Amount
$500
Maximum Loan Amount
$100,000
Employment Required
Yes
Checking Account Required
Yes
- Get a Unsecured Personal Loan - $500 to $10,000 by Tomorrow.
- Find the loan that is right for you.
- Borrow from a trusted resource.
Minimum Loan Amount
$500
Maximum Loan Amount
$10,000
Employment Required
Yes
Checking Account Required
Yes
- Simple form
- Up to $35k
- Any loan reason
Minimum Loan Amount
$1,000
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Find your best loan offer from competing lenders
- Loans up to $5M. Rates from 6.36%
- Checking rates won't affect your credit score
Minimum Loan Amount
See terms
Maximum Loan Amount
$5,000,000
Employment Required
No
Checking Account Required
Yes
- 5-Minute Application
- Funds Directly Deposited
- All Credit Types Welcome
Minimum Loan Amount
$100
Maximum Loan Amount
$5,000
Employment Required
No
Checking Account Required
Yes
- Personal Loans up to $10,000 as fast as Tomorrow.
- Find the loan that is right for you.
- Borrow from a trusted resource.
Minimum Loan Amount
$1,000
Maximum Loan Amount
$10,000
Employment Required
No
Checking Account Required
Yes
- Don’t Wait! Get an Unsecured Loan up to $15,000 quickly!
- A Simple, Safe, Hassle Free Online Process
- All Credit Types Welcome
- Be Connected with a Lender in Realtime
- Loans Available for Any Reason
Minimum Loan Amount
$100
Maximum Loan Amount
$15,000
Employment Required
Yes
Checking Account Required
Yes
- Personal loan of up to $15,000 in just minutes
- Quick application, incredibly secure service
- All Credit Types Accepted
Minimum Loan Amount
$100
Maximum Loan Amount
$15,000
Employment Required
No
Checking Account Required
Yes
- Land Up to $10,000 in Personal Loan Funding
- A lending decision can occur within minutes
- Get money deposited into your bank account
Minimum Loan Amount
$1,000
Maximum Loan Amount
$10,000
Employment Required
No
Checking Account Required
Yes
- Find your lowest rate from competing lenders
- Loans up to $300K. Rates from 2.63%
- Checking rates won't affect your credit score
Minimum Loan Amount
See terms
Maximum Loan Amount
$300,000
Employment Required
No
Checking Account Required
Yes
- No early payoff penalty
- Fast, simple, secure application process
- Loan decision within seconds
- Flexible repayment schedule with no hidden fees
Minimum Loan Amount
$500
Maximum Loan Amount
$2,600
Employment Required
Yes
Checking Account Required
Yes
- Our online form is safe & secure
- Get Approval In Minutes
- Pay Your Loan Over Time
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Apply online using our 100% secure 3-step application. No faxing required.
- 4 out of 5 applications are approved.
- Once approved your loan is deposited into your bank account overnight!
Minimum Loan Amount
$100
Maximum Loan Amount
$2,500
Employment Required
Yes
Checking Account Required
Yes
- No References Needed
- No Upfront Fees
- Bad Credit OK
- Direct Deposit Available
Minimum Loan Amount
$100
Maximum Loan Amount
$5,000
Employment Required
No
Checking Account Required
Yes
- Get up a personal loan up to $50,000.
- 24/7 Online Loan Application
- Personal loan as soon as tomorrow
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Get up a personal loan up to $50,000.
- 24/7 Online Loan Application
- Personal loan as soon as tomorrow
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Online Personal Loans up to $50,000
- Our Online form is quick, secure, & hassle free.
- You may be approved even with a poor credit history.
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Get a Cash Advance Loan Up To $1,000!
- 100% Secure.
- Bad Credit - OK.
Minimum Loan Amount
$100
Maximum Loan Amount
$1,000
Employment Required
No
Checking Account Required
Yes
- Consolidate over $5,000 in credit card debt.
- Increase FICO® score and get score updates.
- A personal touch to getting out of debt.
Minimum Loan Amount
$5,000
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Online loans up to $50,000
- Personal Loans Online
- All Credit Types Welcome
Minimum Loan Amount
$100
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- This is a credit builder account, no loan proceeds or credit lines are issued.
- Make monthly payments and build credit by saving each month.
- When the loan is repaid, your savings unlock.
- No upfront security deposit
- Build credit history with all three major credit bureaus (Equifax, TransUnion, and Experian)
- Free FICO® Score
- No credit score required
- No hard credit inquiry
Minimum Loan Amount
$495
Maximum Loan Amount
$2,000
Employment Required
No
Checking Account Required
Yes
- Up to $5,000 as soon as the next business day
- All credit types accepted
- Loans for any purpose (Debt Consolidation, Large purchases, Emergency expenses and more)
Minimum Loan Amount
$300
Maximum Loan Amount
$5,000
Employment Required
No
Checking Account Required
Yes
- The quick way to find a lender that can offer up to $35,000 for any loan reason.
- Simple, online form that connects customers to an expansive network of lenders.
- Loans are usually deposited within the next business day.
Minimum Loan Amount
$300
Maximum Loan Amount
$35,000
Employment Required
No
Checking Account Required
Yes
- Find your best loan offer from competing lenders
- Loans up to $100K. Rates from 5.99% APR
- Checking rates won't affect your credit score
Minimum Loan Amount
See terms
Maximum Loan Amount
$100,000
Employment Required
No
Checking Account Required
Yes
- Real-Time loan up to $50,000 approvals online
- Find the loan that is right for you
- Personal loan as soon as tomorrow
Minimum Loan Amount
$250
Maximum Loan Amount
$50,000
Employment Required
Yes
Checking Account Required
Yes
- Have money deposited into your bank account overnight.
- Apply online in minutes and get an instant decision.
- Every loan at ACE comes with a 72-hour satisfaction guarantee
Minimum Loan Amount
$100
Maximum Loan Amount
$1,500
Employment Required
No
Checking Account Required
Yes
- Loans between $150 and $2,600, depending on state
- Fast, secure application process
- No originations fees, no repayment penalties
- Funding as soon as the next business day
- Hassle-free cancellation without cost
- Repayment terms up to 18 months, depending on state
- Loans can be used for anything
Minimum Loan Amount
$150
Maximum Loan Amount
$1,500
Employment Required
No
Checking Account Required
No
- Good Credit? Car Loans Approved!
- Bad or No Credit? Still Accepted!
- Fast Approvals. As Quick As 24 hours.
- 100% Online, Secure Application.
Minimum Loan Amount
See website for Details*
Maximum Loan Amount
See website for Details*
Employment Required
No
Checking Account Required
No
- Choose the loan that fits your budget and timeline.
- Fixed rates, so you always know what to expect.
- Quick online application -- get pre-approved in just minutes.
- No obligation and no impact to your credit score when you check your rate.
Minimum Loan Amount
$1,000
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
- Good credit, bad credit, no credit.
- 93% approval nationwide.
- Quick & Easy application.
Minimum Loan Amount
$3,000
Maximum Loan Amount
$45,000
Employment Required
No
Checking Account Required
Yes
- Need Cash Fast? Apply online for quick cash. It only takes minutes.
- Can't wait until next payday? Fill out our easy online application and you could be funded in as little as 24 hours.
- The original loan amount and the fees will be debited from your bank account.
Minimum Loan Amount
$50
Maximum Loan Amount
$1,0009
Employment Required
No
Checking Account Required
Yes
- Loan options up to $5,000
- Easy online form can be completed in minutes
- Get the money you need as soon as the next business day.
Minimum Loan Amount
$300
Maximum Loan Amount
$5,000
Employment Required
Yes
Checking Account Required
No
How to Choose a Personal Loan
A personal loan is a type of installment loans that involves borrowing a set amount of money and paying it off with interest according to a schedule. This type of loans is usually unsecured, meaning you do not need to put up collateral to get the loan. Instead, lenders will check your credit reports and ask to provide some other personal information (like income) to determine your eligibility.
Personal loans can be used for different purposes and in some cases, they are a better option than, for example, a credit card. Loans interest rates are lower than credit card's APRs. Plus, you can shop around looking for the best option for you. Searching and comparing for the best personal loans will most likely not affect your credit score. Credit scoring models usually treat multiple hard inquiries for the same type of credit product as a single event, provided you submit applications within a few weeks.
The situations where a personal loan can help are debt consolidation, credit card payoff, medical expenses, home improvement, education, big purchase. To choose the right personal loan for you, consider the following:
- Interest rate. While the interest rate can be low, find out if it is fixed or variable. Fixed rates are preferable as they won't change over time.
- Fees. Some lenders charge loan origination fees and some other charges. You may not want to pay those fees so look for the offers without upfront fees.
- Early pay off. Many lenders allow to pay off a personal loan earlier and if you are planning to do so, make sure the option is available and there are no charges.
- Co-applicant. If your credit is bad, you may want to apply for a loan with a co-applicant to increase your chances to qualify or to qualify for a lower interest rate.
When applying for a personal loan online, make sure you are dealing with a reputable lender. You won't want to share your personal information with an unreliable lender.
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