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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.
January 2020: BEST PERSONAL LOAN
All Credit Welcome
Minimum Loan Amount
$100
Maximum Loan Amount
$35,000
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!
Personal Loan Offers for You
All Credit Types Considered
- 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
Any Credit
- 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
All Credit Considered
- 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
All Credit Considered
- 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
Any Credit
- Submit a loan request for up to $35,000.
- Our Form is Safe & Secure.
- Get a Loan Decision in Minutes.
Minimum Loan Amount
$1,000
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
All Credit Welcome
- 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
Excellent / Good Credit
- Loans between $10k - $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
$10,000
Maximum Loan Amount
$100,000
Employment Required
Yes
Checking Account Required
Yes
Any Credit
- 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
Any Credit Welcome
- Loan amounts vary from $500 and $35,000
- Fast Decisions
- Funds Deposited To Your Account
- All Credit Types Considered
Minimum Loan Amount
$500
Maximum Loan Amount
$35,000
Employment Required
Yes
Checking Account Required
Yes
Any Credit
- Need money quickly and easily? Apply today!
- Apply for a loan from $500 - $100K & receive funds quickly & easily
- Rates from 3.99% APR
Minimum Loan Amount
$500
Maximum Loan Amount
$100,000
Employment Required
Yes
Checking Account Required
Yes
Any Credit
- Need Cash? Up to $15,000 with EncoreLoan.
- All Credit Types Accepted.
- Fast, Real-Time Approvals.
Minimum Loan Amount
$100
Maximum Loan Amount
$15,000
Employment Required
Yes
Checking Account Required
Yes
Any Credit
- Get approval in as little as 2 minutes
- Money directly deposited into your account
- All Credit Types and Flexible Payments
Minimum Loan Amount
$100
Maximum Loan Amount
$1,000
Employment Required
Yes
Checking Account Required
Yes
All credit types
- Loan Amounts from $2,600 to $100,000
- Prequalify Without Affecting Your Credit
- Get Your Money As Quick As The Next Business Day
Minimum Loan Amount
$2,600
Maximum Loan Amount
$100,000
Employment Required
Yes
Checking Account Required
Yes
Any Credit
- 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
Any Credit
- 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
Any Credit
- 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
Any Credit
- Apply for up to $5,000 with GrooveLoan!
- Your Cash in 3 Easy Steps
- All Credit Types Welcome
Minimum Loan Amount
$100
Maximum Loan Amount
$5000
Employment Required
Yes
Checking Account Required
Yes
All Credit
- 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
Bad/Fair Credit
- 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
Any Credit
- 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
Any Credit
- 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
Excellent / Good Credit
- 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
$5000
Employment Required
Yes
Checking Account Required
No
Any Credit
- 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
$500
Maximum Loan Amount
$5,000
Employment Required
Yes
Checking Account Required
Yes
Excellent/Good/Fair/Bad Credit
- 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
Any Credit
- 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
All Credit
- Loans up to $1,000
- Easy Loan Request
- Fast Approval
- Receive Your Cash
Minimum Loan Amount
$100
Maximum Loan Amount
$1,000
Employment Required
No
Checking Account Required
Yes
Any Credit
- 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
All Credit Welcome
- 5-Minute Application
- Funds Directly Deposited
- All Credit Types Welcome
Minimum Loan Amount
$100
Maximum Loan Amount
up to $5000
Employment Required
No
Checking Account Required
Yes
Any Credit
- Request a loan up to $35,000
- Fast and secure form
- Fast decision - No paperwork
- No Credit History Required
Minimum Loan Amount
$500
Maximum Loan Amount
$35,000
Employment Required
No
Checking Account Required
Yes
Any Credit
- 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
See terms
Maximum Loan Amount
$2,500
Employment Required
Yes
Checking Account Required
Yes
All credit types welcome
- Fast & Easy - Request up to $5000 today!
- Large network of lenders awaiting your request!
- Bad credit loans for you!
- 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
Any Credit
- 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
Any Credit Welcome
- Find your best loan offer from competing lenders
- Loans up to $100K. Rates from 4.99% 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
Bad Credit
- 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
Excellent/Good/Fair/Bad Credit
- 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
Any Credit Welcome
- Find your best loan offer from competing lenders
- Loans up to $5M. Rates from 4.99%
- 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
Excellent/Good Credit
- Need Emergency Funds?
- You Could Qualify For Fast Funds!
- Short Term Funds Available for YOU!
Minimum Loan Amount
$100
Maximum Loan Amount
$1,000
Employment Required
Yes
Checking Account Required
Yes
Any Credit
- 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
$500
Maximum Loan Amount
$10,000
Employment Required
No
Checking Account Required
No
Excellent/Good/Fair/Bad Credit
- An installment loan means more for you, with better terms
- A trusted source for personal loans.
- 10,000 reasons to wake up happy
Minimum Loan Amount
$500
Maximum Loan Amount
$20,000
Employment Required
No
Checking Account Required
Yes
Any Credit Welcome
- Find your lowest rate from competing lenders
- Loans up to $300K. Rates from 2.06%
- 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
Any Credit
- 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
Bad/Fair Credit
- Real-Time loan up to $5,000 approvals online
- Find the loan that is right for you
- Personal loan as soon as tomorrow
Minimum Loan Amount
$100
Maximum Loan Amount
$5,000
Employment Required
Yes
Checking Account Required
Yes
Bad/Fair Credit
- 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
Bad/Fair Credit
- 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
Excellent/Good/Fair/Bad Credit
- 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
Any Credit
- 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
Bad/Fair Credit
- Need Cash? Get up to $50,000 personal loan
- 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
All Credit Types Welcome
- 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
Any Credit
- 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
$2,600
Employment Required
No
Checking Account Required
No
Bad/Fair Credit
- 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
Any Credit
- 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
Any Credit
- 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
Bad Credit
- Fast personal loans up to $4,000 as soon as tomorrow
- Get lower APRs, longer terms, and no prepayment fees.
- OppLoans is rated 4.8 out of 5 stars by Google customers and accredited by the BBB
Minimum Loan Amount
$1,000
Maximum Loan Amount
$4,000
Employment Required
No
Checking Account Required
Yes
Excellent/Good/Fair/Bad Credit
- 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
Any Credit
- 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
Any Credit
- 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
Excellent/Good/Fair/Bad Credit
- 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
$100
Maximum Loan Amount
$5,000
Employment Required
Yes
Checking Account Required
Yes
Excellent/Good/Fair/Bad Credit
- 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
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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