Fast personal loans can help turn life’s lemons into lemonade. No matter your income or how well you manage your money, anyone can come up short. Cars break down, basements flood, your kid tries a new skateboard trick and winds up in the emergency room… Any of these common catastrophes can tip your checking account into the red, and then what?
PersonalLoans.com is the place to turn when you need help. We’re not a lender; rather, we connect you with a vast network of reputable lenders who compete to offer you the best possible personal loans. Forget standing in line at the corner money store. PersonalLoans.com will help you get the money you need right from the privacy of your own home.
Our online loan application is protected with secured encryption. Meaning, you can qualify for personal loans — regardless of your credit score — right from the comfort of home without worrying about having your information hacked or stolen. And our fast online approval means you’ll know the amount you qualify for in just minutes. Once you agree to the lender’s terms, you can have funds deposited directly into your bank account within one business day, often within an hour.
How Do Personal Loans Work?
PersonalLoans.com connects you with a network of reputable lenders who compete for your business. Once you complete our brief online loan application, lenders in your state will offer you personal loans (also known as a “payday loan” or “cash advance”) at the best possible rates. If you don’t like the lender’s terms, simply cancel the application and walk away – there’s no fee or obligation. Our online application takes less than 5 minutes to complete and can be approved just as fast.
Borrowers can apply for short-term personal loans of up to $1,500. Once you accept the lender’s terms and submit your e-signature, the lender will deposit cash into your checking account in as little as 24 hours.
Repaying personal loans is just as easy. The loan amount will be automatically withdrawn from your bank account on the designated due date — usually your next payday. You won’t have to worry about putting a check in the mail on time or being hit with late fees. Loan extensions are available in situations where extra time is needed; the details can be negotiated with your lender.
Are Personal Loans Secure?
We use the highest level of security and encryption available on the Web, and we’ve been connecting borrowers with secure online personal loans longer than anyone else. Once your loan application is submitted, you can rest assured knowing that your personal information is protected by the Internet’s most trusted security products. Our site is tested daily to ensure that it’s locked down to protect your personal information.
Why Should I Use Your Site?
At PersonalLoans.com, you can safely apply for personal loans of $100 – $1,500 online from the privacy of your home — then get cash deposited directly to your bank account in as little as 24 hours.
Asking family or friends to lend you money can be awkward and put stress on valued relationships. Getting approved for a bank loan can take days or weeks and involve stacks of paperwork. You could try less reputable payday loan sites, or even spend an afternoon driving to storefront operations, standing in line and filling out forms trying to find the best terms. You can even apply for a loan over the phone and hope the person on the other end is legitimate.
But why make it hard on yourself? PersonalLoans.com is your one-stop source for the funds you need to improve your life — today.
- Immediate approvals.
- Secure website.
- Cash directly deposited into your bank account.
- Automated repayments.
- Loan extensions available.
Am I Eligible?
A good credit score is not required to receive a cash advance. To be approved for personal loans, most of our lenders require you only to:
- Be 18 years of age or older.
- Be a citizen or permanent resident of the United States.
- Be employed for at least 90 days consecutively.
- Have a checking account in your name.
- Provide home and work phone numbers.
- Possess a valid email address.
An online loan application at PersonalLoans.com takes less than 5 minutes to complete. Our lenders offer faxless short-term loans — the entire process is fast, easy and secure:
We offer expedited service for returning customers: you can choose to save your application information in our system to make applying for personal loans even easier the next time. Borrowers who have established a good record of repayment often receive lower interest rates and fees from our lenders.
Getting the Most from Personal Loans
Consistently making loan payments on time is a positive step toward building good credit. In addition, it allows you to build a relationship with your lender, which can benefit you in future transactions. Before you apply for a cash advance, make sure you will have the funds available in your bank account to pay it back on time. If you are unable to repay your loan on the contracted date, contact your lender immediately and ask about getting a rollover or extension. Missing your repayment date can cause you to incur added fees and possibly higher interest rates, which increases the amount you owe.
We’re Here to Help, Not Intrude
Your reasons for applying for personal loans are your business, and the funds can be used for any reason you deem fit. Unlike banks, our lenders will not inquire about your reasons for your loan. All your information is kept confidential and secure. Millions of hardworking people have relied on personal loans to get them through tough situations. There’s no fee to apply, so why not see if personal loans are right for you? Apply Today!
APR – Representative Range Explanation
The annual percentage rate (APR) is the annualized interest rate that you are charged on a fast cash loan. PersonalLoans.com is not a lending operation and doesn’t provide loans, but it does refer consumers to reputable professional lenders who can provide quick and convenient loan assistance. We don’t charge fees for this service. PersonalLoans.com does not have the ability tell you what the exact APR that your lender will charge is going to be. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender supplies to you as well.
Your lender will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a fast cash loan. If you should require help with any PersonalLoans.com–related services, you can contact us at your leisure.
The APR associated with a fast cash loan can range from 200 to 2,300 percent depending on how it is calculated as well as other variables including any incurred fees (nonpayment, late payment charges, etc.), the term of the loan, and loan renewal options. You are advised to keep in mind that the APR range is different from your finance charge; your lender will disclose the latter at a later juncture in the fast cash loan request process.
YOU CAN BORROW $1,000 FOR 14 DAYS WITH A $40 TO $80 LENDER CHARGE. YOUR ESTIMATED APR WILL BE 104 TO 208 PERCENT.*Fast cash loans are fairly pricey when compared to other types of loans. They are never recommended as a long-term financial solution, and you only should take them out for emergencies.
*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $1,000) * (365 days / 14 days) x 100 = 104.29 percent High End Calculation: ($80 / $1,000) * (365 days / 14 days) x 100 = 208.57 percent
Important Implications to ConsiderPersonalLoans.com only is partnered with professional lenders who provide potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any fast cash loan offer. We recommend that you closely view the terms of any loan offer you get. To acquire more details on the aforementioned considerations, please peruse our Lending Policy and Rates & Fees sections on this website.
If you get approved for a fast cash loan, the lender will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. As mentioned earlier, PersonalLoans.com is not a lending operation, so it therefore is unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender gives you.
Accepting the terms and conditions for a fast cash loan offer essentially means that you are stating that you will repay your finance charges and principal in the required time amount specified in your loan agreement. If you aren’t able to repay your loan in full or should you make a late payment, there is a chance that supplemental charges could apply. PersonalLoans.com does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition to that, it has no control of any sort over knowledge of the loan details between your lending professional and you.
Make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents. The policy of PersonalLoans.com is to partner only with reputable, trustworthy lenders who pursue collections of past-due loan accounts always in a fair and reasonable manner.
PersonalLoans.com’s policy is to never get involved in making credit decisions and never conduct credit checks on consumers who are considering taking out fast cash loans. At the same time, some of the lenders with whom we work may opt to perform a nontraditional credit inquiry so they can find out whether you are eligible for a loan. These lenders will not generally conduct a credit check with any of the three big credit reporting agencies, which are Experian, Equifax and TransUnion.
Understand that your credit rating could be significantly affected by a lender’s actions when all is said and done. If you don’t repay your fast cash loan in a manner that is timely, your lender has the option of reporting the delinquency to the major credit bureaus, and by doing that they could hurt your credit score. PersonalLoans.com always encourages potential borrowers with credit problems to avail themselves of the services of a professional credit counseling service.
Once again, PersonalLoans.com is not a lending operation, and additionally, it does not get involved in the process of debt collecting. As part of the loan documents that they provide to you, your lender will give you detailed information concerning their debt collection practices. If it is the case that you are unsure in any way of the collection practices utilized by a lender, PersonalLoans.com suggests you explore this issue with that particular lender. PersonalLoans.com has the policy of solely working with lenders who always engage in the pursuit of collections of borrowers’ delinquent accounts in a manner that is completely fair and reasonable.
Prior to accepting a particular fast cash loan offer, you will be presented with various loan renewal options by your lender. Carefully look through the lender’s loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine lenders’ loan renewal policies to a significant extent.
Fast cash loans should be used only as a financial instrument for the short term. At PersonalLoans.com, we always encourage borrowers to repay their cash loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a fast cash loan after borrowing it, PersonalLoans.com advises you to closely examine different loan alternatives before you take the step of applying for loan assistance through us.